Effective Date: 7/29/26

Welcome to Fiscal University (“Fiscal University,” “we,” “our,” or “us”). By accessing or using our website, social media channels, videos, newsletters, podcasts, courses, and other services (collectively, the “Services”), you agree to be bound by these Terms of Use. If you do not agree with these Terms, please discontinue use of our Services.

1. Educational Purposes Only

Fiscal University provides educational and informational content related to personal finance, investing, budgeting, credit, debt management, insurance, taxes, entrepreneurship, and related topics.

Our content includes educational materials, opinions, commentary, and personal experiences—including lessons learned from our own successes and mistakes—and should not be considered financial, legal, tax, accounting, investment, or other professional advice.

2. No Professional Relationship

Your use of our Services does not create a financial advisor, attorney-client, accountant-client, fiduciary, or other professional relationship.

You are solely responsible for your financial decisions and should consult qualified professionals regarding your individual circumstances.

3. User Responsibilities

You agree to use our Services only for lawful purposes.

You agree not to:

• Violate any applicable laws or regulations.
• Attempt to gain unauthorized access to our website or systems.
• Upload malicious software or harmful code.
• Copy, reproduce, or distribute our content without permission.
• Use our content for unlawful or misleading purposes.

4. Intellectual Property

Unless otherwise noted, all website content—including articles, videos, graphics, logos, branding, characters, illustrations, course materials, downloadable resources, and designs—is the property of Fiscal University and is protected by copyright, trademark, and other intellectual property laws.

You may:

• View and share links to our content.
• Print or download materials for personal, non-commercial use.

You may not reproduce, modify, sell, republish, distribute, or commercially exploit our content without prior written permission.

5. User Content

If you submit comments, testimonials, suggestions, questions, or other content, you grant Fiscal University a non-exclusive, royalty-free, worldwide license to use, reproduce, display, modify, and publish that content in connection with our Services.

You represent that you own or have permission to submit any content you provide.

6. Third-Party Links

Our website may contain links to third-party websites, products, or services.

We are not responsible for the content, security, accuracy, or privacy practices of third-party websites.

Accessing third-party websites is at your own risk.

7. Affiliate Relationships and Sponsored Content

Fiscal University may participate in affiliate marketing programs or publish sponsored content.

When required, affiliate relationships and sponsored content will be disclosed in accordance with applicable laws and regulations.

8. No Guarantees

Financial outcomes depend on numerous factors beyond our control.

We make no guarantees regarding:

• Investment returns
• Credit score improvements
• Debt reduction
• Business success
• Income increases
• Financial results of any kind

Past experiences and examples do not guarantee future outcomes.

9. Disclaimer of Warranties

The Services are provided “AS IS” and “AS AVAILABLE” without warranties of any kind, express or implied.

We do not guarantee that:

• Information is error-free.
• Services will always be available.
• Content is complete or current.
• The website will be uninterrupted or secure.

10. Limitation of Liability

To the fullest extent permitted by law, Fiscal University, its owners, contributors, employees, affiliates, licensors, and partners shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising from your use of our Services.

Your sole remedy for dissatisfaction with the Services is to discontinue using them.

11. Indemnification

You agree to defend, indemnify, and hold harmless Fiscal University from any claims, damages, liabilities, costs, or expenses arising from your use of the Services or violation of these Terms.

12. Changes to These Terms

We may update these Terms at any time.

Continued use of the Services after changes are posted constitutes acceptance of the revised Terms.

13. Governing Law

These Terms shall be governed by the laws of the State of Florida, without regard to conflict of law principles.

14. Contact Us

If you have questions regarding these Terms, please contact us through the contact information provided on our website.