Terms & Conditions

Effective Date: October 1, 2025

1. Acceptance of Terms By accessing or using Budget Seminar, you agree to be bound by these Terms & Conditions.

2. Course Access and Use

• You must be at least 18 years old or have parental consent.
• You may not share your login credentials or course materials.
• All content is for personal, non-commercial use.

3. Payments and Refunds / Refund Policy

• Prices are listed on the website and may change.
• Refunds are subject to our [Refund Policy].
• All course and seminar fees and fees for materials are listed on the website and are subject to change. Refunds are available within 3 calendar days of purchase under specific conditions. Conditions for Refunds: Refunds will not be granted for completed courses or seminars or if more than [5%] of the content has been accessed. The consumption of knowledge cannot be returned to us, therefore, refunds will not be issued to customers for courses, seminars, and other materials that have been accessed, content viewed, and materials downloaded. We reserve the right to deny refund requests that do not meet these criteria.
• To request a refund, contact us at support@budgetseminar.com.

4. Intellectual Property

• All course and seminar content, videos, and materials are owned by Budget Seminar and its owner.
• You may not reproduce, distribute, or resell any content whatsoever.

5. User Conduct

• You agree not to use the site for unlawful purposes.
• You must not attempt to hack, disrupt, or misuse the platform.

6. Limitation of Liability We are not liable for any financial decisions made based on course, seminar, or written content. The course, seminar, and other material are educational and not financial advice.

7. Termination We reserve the right to suspend or terminate access for violations of these terms.

8. Governing Law These terms are governed by the laws of Illinois, USA.

9. Contact Us For questions, email support@budgetseminar.com.