Age of Majority and Paid Programs

Free Edunancial access does not require parent or legal-guardian consent solely because the user is below the applicable age of majority, subject to any separate consent that may be required by privacy, child-protection, or other applicable law.

A person who has not reached the legal age of majority in the jurisdiction where that person resides may not independently purchase or enroll in a paid Edunancial membership, paid program, paid product, or other transaction that creates a payment obligation. Parent or legal-guardian consent is mandatory for every such paid transaction involving a person below the applicable age of majority.

For a paid account or program used by a minor, the parent or legal guardian must review and accept the applicable Edunancial Terms, Membership Terms, Privacy Policy, checkout terms, and other required notices; authorize the minor's participation; and personally authorize the purchase and any recurring-payment obligation. The consenting adult is the party responsible for the payment authorization and associated contractual payment obligations, subject to applicable law.

Edunancial may require reasonable age, identity, relationship, or consent verification before completing or maintaining a paid transaction for a user below the age of majority. A minor may not falsely represent having reached the age of majority in order to purchase a paid product or membership.

Plans and Access

Basic Membership is $39.99 per month, Pro Membership is $69.99 per month, and Gold Membership is $99.99 per month. The features and curriculum available to each tier are those displayed on Edunancial at the time of purchase, subject to reasonable updates to the platform. Test Drive access is $0 and does not automatically convert into a paid plan.

Recurring Billing Authorization

When you purchase a recurring membership, you authorize Edunancial and its payment processor to charge the payment method you provide at the price and billing interval disclosed at checkout, plus applicable taxes, until you cancel. Monthly memberships renew approximately monthly. Any annual membership offered at checkout renews approximately annually. The checkout screen controls if its price or interval differs from older promotional or informational material. For a member below the age of majority, the recurring-payment authorization must be provided by the parent or legal guardian who is accepting the paid transaction.

Cancellation

You may cancel a recurring membership at any time through the cancellation method made available in your account or by contacting Edunancial support. Cancellation stops future renewals and ordinarily takes effect at the end of the then-current paid billing period, unless applicable law requires otherwise. Cancel before the next renewal date to avoid the next recurring charge.

Failed Payments and Access

If a recurring payment fails or is reversed, Edunancial may retry the charge where permitted, request an updated payment method, suspend paid access, or return the account to an available free tier until payment is resolved. Edunancial will not intentionally charge a cancelled membership for a new renewal after cancellation has taken effect.

Refunds

Payments and refund requests are governed by the Edunancial Refund Policy and any non-waivable rights provided by applicable law. Cancellation by itself does not necessarily create a refund for time already billed or digital access already provided.

Taxes and Currency

Prices are displayed in the currency shown at checkout. Applicable sales, use, value-added, goods-and-services, or similar taxes may be added where required. Currency conversion or card-issuer fees, if any, are controlled by the member's financial institution or payment provider.

Account Responsibility

Membership access is for the authorized account holder unless an organizational agreement expressly provides otherwise. Members and, for paid access by a minor, the consenting parent or legal guardian are responsible for maintaining accurate account and payment information and for protecting login credentials. Accounts and paid access may not be resold, transferred, or shared in a manner that circumvents membership limits.

No Guaranteed Results

Membership provides access to educational, informational, and recreational resources and tools; it does not guarantee earnings, investment performance, business success, financing, tax savings, credit results, employment, professional licensure, or any other financial or educational outcome.

Organization and Beta Access

Enterprise or organization access may be governed by a separate written agreement, order, invoice, or onboarding document. Beta Tester access is free and invitation only; expiration of beta access does not itself create a charge or automatically enroll the tester in a paid membership. If an organization-sponsored program creates a payment obligation for a minor or the minor's family, the applicable adult or organization must provide the required authorization; purely free access is not subject to the paid-program consent requirement.