Terms of Service

These Terms of Service ("Terms") form a binding agreement between you and Tech for Fintech ("we," "us," "our"), governing your access to and use of the website at techforfintech.com, the SQL Lab at /lab, and any course, dataset, or material we make available through the service (collectively, the "Service").

By accessing or using the Service, joining the waitlist, purchasing a course, or downloading any material, you agree to be bound by these Terms. If you do not agree to any part of these Terms, you must not use the Service.

We may update these Terms from time to time, as described in "Changes to these terms" below.

• Service — the website, the SQL Lab, course PDFs, datasets, and all related materials.
• Materials — the course PDFs, the Lab dataset, diagrams, illustrations, solution keys, code, and other content we deliver.
• Lab — the in-browser SQL environment accessible at /lab, including the full 240,000-row dataset gated by a paid license key.
• Test Drive — the free, reduced version of the Lab accessible at /test-drive.
• License Key — the alphanumeric key issued by LemonSqueezy upon purchase of a paid course that grants Lab access. License Keys are personal to the purchaser and are not transferable.
• Merchant of Record — LemonSqueezy, which is the seller of record for tax, refund, and consumer-law purposes for all paid purchases.

The courses, datasets, and materials cover technical and business concepts in financial services for educational purposes only. Nothing on the Service, in any course, in the Lab, or in any communication from us constitutes financial, legal, tax, regulatory, accounting, or investment advice — and nothing is intended to create a fiduciary, advisory, broker-dealer, or professional-client relationship between you and us.

Do not act on course content as if it were professional advice for a specific situation. Consult a qualified attorney, accountant, financial advisor, or compliance professional for advice tailored to your circumstances. Any action you take on the basis of the Materials is taken at your sole risk, and we are not responsible for the consequences of those actions.

You must be at least 16 years old to use the Service and at least 18 years old (or the age of majority in your jurisdiction, whichever is higher) to purchase a course. By using the Service, you represent and warrant that:

• You meet the age requirement above;
• You have the legal capacity to enter into a binding contract with us;
• You are not barred from receiving the Service under the laws of your jurisdiction or any applicable export-control or sanctions regime;
• The information you provide to us (including at checkout) is accurate, current, and complete.

Tech for Fintech provides self-paced online courses and an in-browser SQL Lab focused on data and AI skills in a Fintech context. The full product catalog and the current price of each course are shown at /#pricing. Prices, course contents, and the structure of the curriculum may change at any time; the price at the time of your purchase is the price that applies to that transaction.

Course materials are delivered as PDF files, supplementary downloads where applicable, and access to the SQL Lab. There are no live cohorts, scheduled classes, group calls, or one-on-one mentorship sessions unless explicitly described on a specific product's landing page.

Some product names refer to bundles that include multiple individual courses. The exact contents of each bundle are listed on its product page and on the /#pricing grid.

All Materials — PDFs, exercises, answer keys, the SQL Lab seed data, code samples, diagrams, and prompt templates — are owned by Tech for Fintech and protected by copyright. Third-party names and trademarks referenced in the Materials remain the property of their respective owners.

On purchase, we grant you a limited, personal, non-transferable, non-sublicensable, revocable license to access and use the Materials for your own learning. The license is granted to a single individual — not to teams, classrooms, or organizations.

License Keys and the device cap. Lab access is enforced by a License Key issued at purchase by LemonSqueezy. A single License Key may be activated on up to five devices or browsers; activation sets a signed, HTTP-only browser cookie that persists for up to one year. Clearing your browser data may consume a device slot because each fresh activation registers a new instance. If you reach the five-device limit, reach out through the contact channel on our website and we will deactivate an older device.

You may not: share, resell, sublicense, transfer, distribute, host, or otherwise commercially exploit the Materials or your License Key; post the Materials on public websites, repositories, forums, file-sharing services, or shared drives; use the Materials to train artificial-intelligence or machine-learning models or to populate retrieval-augmented-generation systems; build a competing product, course, or service using the Materials; or remove copyright, trademark, or proprietary notices from the Materials.

Violations may result in immediate license termination without refund and legal action under applicable copyright law (the DMCA in the United States and equivalent statutes elsewhere).

Access to purchased courses is intended to be lifetime, contingent on the continued operation of the Service. If we ever need to discontinue the Service, we will give reasonable notice — at least 90 days where practicable — and where practicable we will provide a final downloadable copy of the Materials you have purchased.

The free SQL Test Drive is offered at no cost to help you decide if the full curriculum is right for you. It includes a reduced module set and a partial dataset, as described on its product page. The license granted for the Test Drive is otherwise identical to the paid-course license described above — including the prohibitions on redistribution and AI training.

We may change, restrict, or discontinue what is included in the Test Drive at any time, in our sole discretion, without notice.

All prices are shown on the Service in US dollars unless explicitly indicated otherwise. Where required by law, applicable sales tax, VAT, GST, or equivalent indirect taxes will be calculated and added at checkout by LemonSqueezy based on the jurisdiction associated with your billing address.

Payments are processed by LemonSqueezy (Lemon Squeezy LLC), which acts as our Merchant of Record. LemonSqueezy is therefore the seller of record for tax, refund, and consumer-law purposes; their terms and privacy policy apply to the payment portion of your transaction. You authorize LemonSqueezy to charge the total amount (including any applicable taxes) to the payment method you provide. Receipts and invoices are issued automatically by LemonSqueezy and sent to the email you used at checkout.

If a payment fails, is reversed, charged back, refunded, or otherwise not received in full, we may suspend or revoke access to any Materials associated with that purchase.

All purchases are final and non-refundable. Course access begins immediately upon successful payment, and Materials are delivered in full at that time. We do not issue refunds except where required by mandatory consumer-protection law, or where LemonSqueezy approves a refund under its own policy as Merchant of Record.

We encourage you to use the free SQL Test Drive and to read each course's landing-page details before purchasing.

The SQL Lab runs in your browser. Your queries, query results, and the seeded dataset are stored locally on your device — they are not transmitted to us. If you clear browser storage or use a different device or browser profile, your local Lab will be reset and re-seeded, and a fresh activation may be required.

The dataset is a fictional simulation modeled on B2B Fintech platforms. All companies, individuals, transactions, account identifiers, fraud labels, and other entities in the dataset are synthetic. Any resemblance to real businesses or individuals is coincidental.

The Lab is provided AS-IS. Browser quirks, device-specific issues, browser-storage limits, ad-blockers, and corporate network policies may prevent it from working on every device. We test on current versions of Chrome, Edge, Firefox, and Safari. If the Lab does not work in your environment, we cannot guarantee a fix, and we will not refund a purchase on the basis of Lab incompatibility — please confirm the Lab works for you using the free Test Drive before purchasing the paid tier.

When using the Service, you agree not to:

• Attempt to bypass, disable, or interfere with payment, authentication, license-checking, or access-control mechanisms;
• Scrape, mirror, or systematically download content from the Service except through interfaces we explicitly provide;
• Automate access to the Service (including the waitlist form, the Lab, or any API) in a way that imposes an unreasonable load on our infrastructure or that of our service providers;
• Use the Service to send unsolicited commercial communications, spam, or malware, or to facilitate any of the foregoing;
• Use the Service for any unlawful purpose, or in violation of any applicable law, regulation, or third-party right;
• Impersonate any person or misrepresent your identity, affiliation, or qualifications to claim free or discounted access, multiple Test Drive accounts, or duplicate refunds;
• Use the Service or the Materials to harass, defame, or harm any other person.

We reserve the right, at our sole discretion, to suspend or terminate your access to all or part of the Service — without refund where the violation involves fraud, abuse, or material breach — and to take any legal action we consider appropriate.

The Service and all Materials, datasets, code, diagrams, illustrations, copy, look-and-feel, trademarks, logos, and brand elements are owned by us or our licensors and are protected by copyright, trademark, and other intellectual-property laws. All rights not expressly granted to you in these Terms are reserved.

Any open-source libraries used in the Service are governed by their own licenses, which apply only to those components themselves and not to our Materials or course content.

DMCA / copyright notices.If you believe content on the Service infringes your intellectual-property rights, send a written notice through the contact channel on our website that includes: (i) a physical or electronic signature of a person authorized to act on behalf of the owner of the exclusive right; (ii) identification of the copyrighted work claimed to have been infringed; (iii) identification of the material that is claimed to be infringing and information reasonably sufficient to permit us to locate it on the Service; (iv) your contact information; (v) a statement that you have a good-faith belief that the use is not authorized by the copyright owner, its agent, or the law; and (vi) a statement, made under penalty of perjury, that the information in the notice is accurate and that you are the copyright owner or authorized to act on the owner's behalf.

The Service may link to or integrate third-party websites, services, or content (including our payment processor LemonSqueezy, our hosting provider Vercel, our analytics provider PostHog, and any future email service provider). Those third parties have their own terms of service and privacy policies, and we are not responsible for their content, practices, or how they handle your information. Your use of any third-party service is at your own risk and subject to that third party's terms.

When you sign up for the Service or join the waitlist, you consent to receive communications from us by email, including transactional messages (order confirmations, receipts, security notices, material changes to these Terms) and — where you have opted in — marketing communications. Transactional messages are an essential part of the Service and cannot be opted out of while your account or order is active. Marketing emails can be opted out of at any time via the unsubscribe link in any message.

THE SERVICE AND ALL MATERIALS ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. To the maximum extent permitted by applicable law, we disclaim all warranties — including the implied warranties of merchantability, fitness for a particular purpose, non-infringement, title, accuracy of information, uninterrupted operation, and any warranty arising from course of dealing or usage of trade.

We do not warrant that the Service will be uninterrupted, error-free, secure, or available in all jurisdictions, that defects will be corrected on any particular timeline, that the Materials will be free from inaccuracies, or that the courses, the Lab, or any communication will achieve a particular outcome for you (such as passing an interview, getting a job, earning a certain salary, or producing any specific financial or business result).

The Materials cover regulated topics in financial services (KYC/AML, fraud, sanctions, payments, BSA, OCC/FDIC/CFPB/FinCEN concepts) for educational purposes only and do not constitute financial, legal, tax, regulatory, accounting, or investment advice.See "Not financial, legal, or investment advice" above.

To the maximum extent permitted by applicable law, in no event will we, our affiliates, employees, contractors, licensors, or service providers be liable for any:

• indirect, incidental, special, consequential, exemplary, or punitive damages;
• lost profits, lost revenue, lost business opportunities, or lost goodwill;
• loss, corruption, or unavailability of data, including browser-side Lab state;
• cost of substitute products or services;

arising out of or in connection with the Service, the Materials, or these Terms, even if we have been advised of the possibility of such damages, and regardless of the legal theory on which the claim is based (contract, tort including negligence, statute, or otherwise).

Our total aggregate liability for any and all claims related to the Service or these Terms is limited to the greater of (a) the amount you paid us in the twelve (12) months immediately preceding the event giving rise to the claim, or (b) US$100.

Some jurisdictions do not allow the limitation or exclusion of certain warranties or liabilities. In those jurisdictions, the limitations above apply only to the extent permitted by law, and nothing in these Terms is intended to limit any right you have that cannot be waived.

You agree to indemnify, defend, and hold harmless us and our affiliates, employees, contractors, licensors, and service providers from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising out of or related to:

• your use or misuse of the Service or the Materials in violation of these Terms;
• your violation of any law or third-party right (including intellectual-property and privacy rights);
• your breach of the AI-training prohibition, the redistribution prohibition, or any other obligation in the license-grant section above;
• any content or communication you submit through the Service.

We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which case you agree to cooperate with our defense of that claim.

You may stop using the Service at any time. Data deletion requests are handled in accordance with applicable law.

We may suspend or terminate your access to the Service, in whole or in part, with or without notice, if we believe in good faith that you have violated these Terms, that your continued access poses a risk to the Service or other users, or where required by law. Upon termination for cause, your license to use the Materials ends immediately, and we may delete data associated with your account.

The provisions of these Terms that by their nature should survive termination — including Definitions, Intellectual Property, Disclaimers, Limitation of Liability, Indemnification, Governing Law, and Dispute Resolution — will continue to apply.

These Terms and any dispute arising out of or relating to them or to the Service will be governed by, and construed in accordance with, the laws of the jurisdiction in which we are operating, without regard to its conflict-of-laws rules.

We encourage you to contact us first through the channel published on our website to resolve any concern informally. Any formal dispute that cannot be resolved through informal discussion will be brought exclusively in the courts of competent jurisdiction in the place where we are operating, unless mandatory consumer-protection laws in your jurisdiction give you the right to bring proceedings in your local courts.

Neither party will be liable for any failure or delay in performance caused by circumstances beyond its reasonable control, including acts of God, war, terrorism, civil unrest, government action, labor disputes, pandemic, fire, flood, internet or telecommunications outages, third-party service-provider failures (including our payment processor, hosting provider, or analytics provider), or failures of your own device, browser, local storage, or network that prevent the SQL Lab from running.

• Entire agreement. These Terms and the documents they reference (including the Materials at /#pricing) constitute the entire agreement between you and us regarding the Service, and supersede any prior agreement or understanding.
• Severability. If any provision of these Terms is held to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions will continue in full force and effect, and the invalid or unenforceable provision will be replaced with the closest enforceable equivalent that reflects our original intent.
• No waiver. Our failure to enforce any provision is not a waiver of our right to enforce it later.
• Assignment. You may not assign or transfer these Terms or your rights under them without our prior written consent. We may assign these Terms in connection with a merger, acquisition, reorganization, or sale of substantially all of our assets.
• Notices. We may give notice to you by email, by posting a notice on the Service, or by any other reasonable means. Notices to us must be sent through the contact channel published on our website.
• Headings. Section headings are for convenience only and do not affect the interpretation of these Terms.
• No partnership or agency. Nothing in these Terms creates a partnership, joint venture, employment, or agency relationship between you and us.

We may revise these Terms from time to time. Material changes — for example, to the no-refund policy, the license grant, or the limitation of liability — will be communicated to customers by email and posted on the Service in advance of the change taking effect.

Your continued use of the Service after the effective date of a revision constitutes your acceptance of the revised Terms. If you do not agree to a revision, you must stop using the Service.