Terms & Conditions

Last Updated: January 15, 2025

1. Definitions and Interpretation

In these Terms & Conditions, unless the context requires otherwise:

• "We," "us," "our," and "Financial Education Hub" refer to the operator of smm-store.ru, registered under number 60559696, with principal address at 60, YasminGunj, Gurgaon - 586794, India
• "You," "your," and "user" refer to any person or entity accessing or using our website or services
• "Website" refers to smm-store.ru and all associated pages, content, and functionality
• "Products" refer to all digital and physical goods, educational materials, courses, tools, templates, and resources offered for sale on our website
• "Services" refer to all services provided through our website, including educational content delivery, customer support, and related offerings
• "Content" refers to all text, graphics, images, videos, audio, software, data, and other materials available on our website

2. Acceptance of Terms

By accessing, browsing, or using our website, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions, our Privacy Policy, and any additional terms and conditions that may apply to specific sections or features of our website.

These Terms & Conditions constitute a legally binding agreement between you and Financial Education Hub. If you are using our website on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these terms.

3. Eligibility and Account Registration

3.1 Age Requirement

You must be at least 18 years of age to use our website and purchase our products. By using our website, you represent and warrant that you meet this age requirement.

3.2 Account Creation

Certain features and services require you to create an account. When creating an account, you must:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Maintain the security and confidentiality of your login credentials
• Accept responsibility for all activities that occur under your account
• Notify us immediately of any unauthorized use or security breach

3.3 Account Termination

We reserve the right to suspend or terminate your account at our sole discretion if you violate these Terms & Conditions, engage in fraudulent activity, or misuse our services.

4. Products and Services

4.1 Product Descriptions

We strive to provide accurate descriptions, images, and specifications for all products. However, we do not warrant that product descriptions, images, or other content are accurate, complete, reliable, current, or error-free. If a product is not as described, your sole remedy is to return it in accordance with our Refund Policy.

4.2 Product Availability

All products are subject to availability. We reserve the right to discontinue any product at any time without notice. In the event that a product is unavailable after an order has been placed, we will notify you and provide a full refund or offer a suitable alternative.

4.3 Pricing

All prices are displayed in US Dollars (USD) unless otherwise stated. Prices are subject to change without notice. We reserve the right to modify prices at any time, but price changes will not affect orders that have already been confirmed. The price charged will be the price displayed on our website at the time of order placement.

4.4 Digital Products

Many of our products are delivered digitally. Upon successful payment verification, you will receive access to digital products through download links or account access. Digital products are licensed, not sold, and your use is subject to the license terms provided with each product.

5. Orders and Payment

5.1 Order Process

When you place an order, you make an offer to purchase products under these Terms & Conditions. We may accept or reject your order at our discretion. Order confirmation does not constitute acceptance. We accept an order when we send order confirmation and provide access to digital products or ship physical products.

5.2 Payment Methods

We accept various payment methods as displayed during checkout. All payments are processed through secure third-party payment processors. You authorize us to charge your designated payment method for all fees and charges related to your purchase.

5.3 Payment Security

We use industry-standard security measures to protect your payment information. However, you acknowledge that electronic transmission of payment information carries inherent risks, and we are not liable for any security breaches that occur despite our security measures.

5.4 Failed Payments

If payment fails or is declined, we reserve the right to cancel your order. You are responsible for ensuring adequate funds or credit are available for purchase completion.

6. Intellectual Property Rights

6.1 Our Intellectual Property

All content, features, and functionality on our website, including but not limited to text, graphics, logos, images, videos, software, and compilation thereof, are the exclusive property of Financial Education Hub or our licensors and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

6.2 Limited License

Subject to your compliance with these Terms & Conditions and payment of applicable fees, we grant you a limited, non-exclusive, non-transferable, revocable license to:

• Access and use our website for personal, non-commercial purposes
• Use purchased products in accordance with the specific license terms provided with each product
• Download and print content for personal, non-commercial use only

6.3 Restrictions

You may not:

• Reproduce, distribute, modify, or create derivative works from our content without express written permission
• Remove, alter, or obscure any copyright, trademark, or other proprietary notices
• Reverse engineer, decompile, or disassemble any software or digital products
• Share, resell, or distribute purchased products to third parties
• Use our content for commercial purposes without authorization
• Frame or mirror any content from our website

7. User Conduct and Prohibited Activities

You agree not to:

• Violate any applicable laws, regulations, or third-party rights
• Provide false, inaccurate, or misleading information
• Impersonate any person or entity or misrepresent your affiliation
• Engage in fraudulent activities or unauthorized transactions
• Interfere with or disrupt the website or servers
• Attempt to gain unauthorized access to any part of our systems
• Use automated systems (bots, scrapers) to access our website
• Transmit viruses, malware, or other harmful code
• Harass, abuse, or harm other users
• Collect or harvest information about other users
• Use our website for any illegal or unauthorized purpose

8. Educational Content Disclaimer

The financial education products, materials, and content provided on our website are for educational and informational purposes only. They do not constitute financial, investment, legal, or professional advice. You should not rely solely on this information for making financial decisions.

You acknowledge that:

• All investment decisions carry risk, and past performance does not guarantee future results
• You should consult with qualified financial professionals before making investment decisions
• We do not guarantee any specific outcomes or results from using our products
• Financial markets are inherently unpredictable and subject to numerous factors beyond our control
• Individual results may vary based on numerous factors including knowledge, experience, and market conditions

9. Third-Party Links and Services

Our website may contain links to third-party websites, services, or resources that are not owned or controlled by Financial Education Hub. We do not endorse or assume responsibility for any third-party content, products, or services. Your interaction with third-party websites is governed by their respective terms and policies. We encourage you to review their terms before engaging with them.

10. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR WEBSITE, PRODUCTS, AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability or fitness for a particular purpose
• Warranties of non-infringement
• Warranties that the website will be uninterrupted, secure, or error-free
• Warranties regarding the accuracy, reliability, or completeness of content
• Warranties that defects will be corrected

We do not warrant that our website, products, or services will meet your requirements or expectations.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FINANCIAL EDUCATION HUB, ITS DIRECTORS, EMPLOYEES, AFFILIATES, OR AGENTS SHALL NOT BE LIABLE FOR:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Personal injury or property damage arising from your use of our website or products
• Unauthorized access to or alteration of your data
• Any third-party conduct or content on the website

IN NO EVENT SHALL OUR TOTAL LIABILITY EXCEED THE AMOUNT PAID BY YOU FOR THE SPECIFIC PRODUCT OR SERVICE GIVING RISE TO THE CLAIM, OR ONE HUNDRED US DOLLARS ($100), WHICHEVER IS GREATER.

Some jurisdictions do not allow limitation of liability for certain types of damages, so these limitations may not apply to you.

12. Indemnification

You agree to indemnify, defend, and hold harmless Financial Education Hub, its affiliates, officers, directors, employees, agents, and licensors from and against any claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from:

• Your violation of these Terms & Conditions
• Your violation of any rights of third parties
• Your use or misuse of our website, products, or services
• Your breach of any representations or warranties
• Any content you submit or transmit through our website

13. Termination

We may terminate or suspend your access to our website and services immediately, without prior notice or liability, for any reason, including if you breach these Terms & Conditions. Upon termination, your right to use our website ceases immediately, and you must cease all use of our products and services.

You may terminate your account at any time by contacting us. Termination does not affect any outstanding obligations or liabilities incurred prior to termination.

14. Governing Law and Dispute Resolution

14.1 Governing Law

These Terms & Conditions shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law provisions.

14.2 Dispute Resolution

Any dispute arising from or relating to these Terms & Conditions or your use of our website shall be resolved through the following process:

1. Informal Negotiation: You agree to first contact us to attempt to resolve any dispute informally
2. Mediation: If informal resolution fails, disputes may be submitted to mediation
3. Jurisdiction: If mediation fails, disputes shall be subject to the exclusive jurisdiction of the courts located in Gurgaon, India

15. Changes to Terms & Conditions

We reserve the right to modify these Terms & Conditions at any time. Changes become effective immediately upon posting on our website. Your continued use of our website after changes are posted constitutes acceptance of the modified terms. We will make reasonable efforts to notify users of material changes through:

• Email notifications to registered users
• Prominent notices on our website
• Updated "Last Updated" date at the top of this document

16. Severability

If any provision of these Terms & Conditions is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

17. Waiver

Our failure to enforce any right or provision of these Terms & Conditions shall not constitute a waiver of that right or provision. Any waiver of these Terms & Conditions must be in writing and signed by an authorized representative of Financial Education Hub.

18. Entire Agreement

These Terms & Conditions, together with our Privacy Policy and Refund Policy, constitute the entire agreement between you and Financial Education Hub regarding the use of our website and services, superseding any prior agreements between you and us.

19. Assignment

You may not assign or transfer these Terms & Conditions or any rights granted hereunder, without our prior written consent. We may assign our rights and obligations under these Terms & Conditions without restriction.

20. Contact Information

Effective Date: These Terms & Conditions are effective as of January 15, 2025, and govern your use of our website and services from that date forward.

Acknowledgment: BY USING OUR WEBSITE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS & CONDITIONS.