1. Subject of Services

These terms govern access to and use of the EduFin platform, administered by auexpatmortgage.com, which offers courses and resources in financial education, economic planning, and budget management. Services include teaching materials, practical exercises, and budget simulation tools, without constituting personalized financial advice.

Users benefit from informational content intended for developing financial skills, and any economic decision made based on this information remains the sole responsibility of the user.

2. User Rights and Obligations

By registering on the platform, the user agrees to provide accurate and complete data, not to share access credentials, and to use the services exclusively for personal and non-commercial purposes.

• The user has the right to access all courses and materials for which the corresponding fee has been paid.
• Reproduction, distribution, or resale of content without the written consent of the administrator is prohibited.
• The user is liable for any damage caused by violating these obligations.

3. Provider Rights and Obligations

EduFin undertakes to maintain the platform functional and to periodically update course content, without guaranteeing uninterrupted availability. The provider reserves the right to modify prices, course structure, or terms of use, with prior notification to users.

Any material published on the platform is protected by copyright and may be withdrawn at any time, without obligation to compensate users.

4. Limitation of Liability

The content provided is for educational purposes and does not constitute financial, legal, or tax advice. EduFin assumes no liability for financial losses, investment decisions, or any other direct or indirect damage resulting from the use of the information.

Under no circumstances shall the total liability of the provider exceed the amount of fees paid by the user in the last 12 months.

5. Conditions for Termination of Use

The user may request account deletion at any time by sending a request to the email address info@auexpatmortgage.com. The provider may suspend or close access in case of a serious breach of conditions, without prior notice.

After termination, the user no longer has access to purchased materials, and any amounts paid are not refunded, except in cases provided by law.

6. Modification of Terms

EduFin may periodically update these terms. Users will be informed by email or through a notification on the platform at least 14 days before the changes take effect. Continued use after this period constitutes acceptance of the new terms.

7. Contact and Jurisdiction

For questions regarding these terms, users can contact the team at Splaiul Unirii 9, phone 0759546340, or email info@auexpatmortgage.com. These terms are governed by Romanian law, and any disputes will be resolved by the competent courts in Bucharest.