These Terms and Conditions govern your access to and use of the Financial Regulation Courses platform, including all courses, examinations, memberships, study materials, trading simulator, credential verification services, and any associated products or features offered by Financial Regulation Courses ("FRC", "we", "us", or "our"). By creating an account, enrolling in a course, purchasing a membership, or accessing any part of the FRC platform, you confirm that you have read, understood, and agree to be bound by these Terms and Conditions in their entirety. These terms apply globally to all users regardless of their country or jurisdiction of residence. No payment will be activated or processed on the FRC platform until you have completed the e-signature agreement at the point of sign-up. By completing that e-signature, you confirm your acceptance of these Terms and Conditions and authorise FRC to process payments in accordance with your selected payment method and plan. If you do not agree to these terms, you must not proceed with registration or any purchase on the platform. These Terms and Conditions should be read alongside our Privacy Policy and Cookie Policy, which together form the complete agreement between you and FRC governing your use of the platform.

To access the FRC platform and its services, you are required to create an account and complete our Know Your Customer (KYC) identity verification process. KYC verification is mandatory and must be completed before you are granted access to examination environments or credential issuance features. You agree to provide accurate, complete, and current information during registration and throughout your use of the platform. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. KYC verification and proctoring fees are paid directly to our third-party identity verification and examination proctoring providers. FRC does not retain these funds. Accordingly, KYC verification and proctoring payments are strictly non-refundable under any circumstances, including in the event of cancellation, withdrawal, or account closure. This applies regardless of whether the KYC or proctoring service has been fully utilised at the time of the refund request.

All purchases made on the FRC platform, including courses, examinations, exam insurance, memberships, and study support add-ons, are subject to your agreement to these Terms and Conditions via e-signature at the point of sign-up. No payment will be activated, processed, or charged to your chosen payment method until your e-signature has been successfully completed and recorded. By signing electronically, you confirm your agreement to these terms and authorise FRC to process all payments associated with your selected products and payment plan. All prices are displayed on the platform at the time of purchase. FRC reserves the right to update pricing at any time, provided that any price change will not affect purchases already confirmed and signed for by the user prior to that change.

FRC offers interest-free payment plans on eligible products, allowing you to spread the cost of your purchase across agreed monthly instalments at no additional interest charge. Payment plans are binding financial commitments. Once a payment plan has been in place for more than 14 days from the date of the original purchase and e-signature, it is non-cancellable. You remain liable for all outstanding instalments under the plan regardless of whether you continue to actively use the platform, complete the course, or sit the examination. Where a refund is requested within the 14-day cancellation window described in Section 6, any refund issued will be subject to the deduction of a 20% administration and payment processing fee calculated on the total purchase value, not solely the amount paid to date. Failure to meet scheduled payment plan instalments may result in suspension of your platform access until outstanding payments are brought up to date. FRC reserves the right to refer persistent non-payment to a debt recovery service and to pursue outstanding amounts through appropriate legal channels.

All courses offered on the FRC platform are sold to individual users on a personal, non-transferable basis. Courses may not be transferred, gifted, resold, or shared with any other person under any circumstances. Access to course materials is granted solely to the registered account holder who completed the purchase. Upon confirmation of purchase, access to your course is provided instantly and is available immediately within your Student Suite. There is no physical delivery of materials. All content — including study guides, audio resources, mock examinations, and supporting documentation — is hosted entirely within the platform and accessible from the moment your purchase is confirmed. FRC courses are designed for professional education and career development purposes. The content provided within each course is intended to support your preparation for relevant examinations and professional practice. It does not constitute regulated financial advice. FRC reserves the right to update, amend, or improve course content at any time in order to ensure accuracy, regulatory compliance, and educational quality. Such updates do not constitute a material change to your purchase and do not give rise to any right of cancellation or refund outside of the standard 14-day cancellation period.

FRC operates a 14-day cancellation policy in accordance with applicable consumer protection legislation. This right applies globally as a standard minimum entitlement, subject to the exceptions and deductions described in this section. 6.1 Courses If you wish to cancel a course purchase, you must submit your cancellation request in writing within 14 days of the date of purchase. Refunds approved within this period will be subject to a deduction of 20% of the total purchase price to cover administration and payment processing costs. The remaining balance will be returned to your original payment method within a reasonable timeframe. If you are on a payment plan and request a cancellation within 14 days, the 20% deduction applies to the full value of the course, not only the instalments paid to date. Any outstanding instalments will be cancelled and no further payments will be taken. After 14 days from the date of purchase, no refund or cancellation will be permitted on any course purchase. If you are on a payment plan, all remaining instalments remain due and payable in full. 6.2 Examinations and Exam Insurance The 14-day cancellation window applies from the date of purchase of the examination or exam insurance product, not from the date on which the examination is scheduled or sat. Refund requests made within this 14-day period will be subject to the same 20% administration and payment processing deduction. No refund will be issued after 14 days from the date of purchase regardless of whether the examination has been sat. 6.3 Study Support Add-Ons Study support add-ons are non-cancellable and non-exchangeable from the point of purchase. No refund, exchange, or credit will be issued for study support add-ons under any circumstances. 6.4 Payment Plans After 14 Days As stated in Section 4, payment plans become non-cancellable after 14 days from the original purchase date. All outstanding instalments remain legally due regardless of usage, completion status, or any other circumstance. 6.5 KYC Verification and Proctoring As stated in Section 2, all KYC verification and proctoring fees are paid directly to third-party providers. These fees are strictly non-refundable in all circumstances.

FRC memberships are offered as rolling 30-day subscriptions. Your membership will automatically renew every 30 days from the date of your initial subscription unless you cancel prior to your next renewal date. You may cancel your membership at any time by accessing your account settings or by contacting FRC directly. Cancellation will take effect at the end of your current 30-day billing period. No partial refunds will be issued for unused days within an active billing period. Upon cancellation of your membership, all membership benefits and access will be revoked immediately at the end of the billing period. This includes but is not limited to access to membership-exclusive content, saved progress data associated with membership features, networking and community access, and the deactivation of your FRC member profile where applicable. FRC reserves the right to introduce, modify, or withdraw membership benefits at its sole discretion. This includes the introduction of milestone gifts and recognition rewards such as S.T. Dupont pens and premium gift sets for Executive tier members. Such benefits are provided at FRC's discretion and do not form a contractual entitlement unless explicitly stated in writing at the time of their introduction. The withdrawal or modification of a benefit does not constitute grounds for cancellation outside of the standard membership cancellation process.

8.1 Ownership & Licence All platform content, including but not limited to course materials, examination content, software, branding, study guides, audio resources, written materials, and platform design, remains the sole property of FRC or its licensors and is protected by applicable copyright, trademark, and intellectual property law. Members are granted a limited, personal, revocable, non-transferable licence to access and use FRC platform content solely for their own professional education and development. Commercial use, reproduction, copying, distribution, sale, modification, or redistribution is strictly prohibited without express prior written consent from FRC. 8.2 Breach & Remedies Any unauthorised use, copying, redistribution, or exploitation of FRC’s intellectual property will be considered a material breach of these Terms and Conditions. Such actions may result in immediate account suspension, termination, injunctive relief, and claims for damages.

Upon successful completion and passing of an FRC examination, your credential will be issued and activated within the FRC verification system. Your verified credential remains active following the successful completion of your examination regardless of whether your membership is active or cancelled. Cancellation of a membership does not result in the deactivation of a credential that has been earned through a successfully passed examination. Your right to your verified credential is tied to your examination result, not to your membership status. FRC credential verification is designed to allow employers, hiring managers, and authorised third parties to confirm the validity of your qualification in real time. The credential record is maintained by FRC and is subject to our data retention policies as described in the Privacy Policy. FRC reserves the right to suspend or revoke a credential in cases of fraudulent examination conduct, misrepresentation, or breach of these Terms and Conditions.

The FRC trading simulator is provided exclusively for educational and professional development purposes. It is designed to support the practical application of financial knowledge within a simulated environment as part of your preparation for examinations and professional practice. The trading simulator does not involve real money, real market transactions, or real financial instruments. Any positions, trades, or results generated within the simulator are entirely simulated and carry no financial value or legal effect whatsoever. Nothing within the trading simulator constitutes financial advice, investment advice, or a recommendation to buy, sell, or hold any financial instrument. FRC accepts no responsibility for any decisions made by users based on experience gained within the simulator environment. Access to the trading simulator is subject to your active platform access. FRC reserves the right to update, modify, or withdraw the trading simulator at any time as part of ongoing platform development.

FRC endeavours to maintain platform availability at all times but does not guarantee uninterrupted access. Planned maintenance, technical updates, or circumstances beyond our reasonable control may result in temporary interruptions to platform access. FRC reserves the right to suspend or terminate your account access where there is evidence of a breach of these Terms and Conditions, fraudulent activity, misuse of the platform, or non-payment of outstanding amounts.

To the fullest extent permitted by applicable law, FRC's total liability to you in connection with your use of the platform and its services shall not exceed the total amount paid by you to FRC in the 12 months preceding the event giving rise to the claim. FRC is not liable for any indirect, consequential, incidental, or special damages arising from your use of the platform, including but not limited to loss of earnings, loss of career opportunity, or failure to pass any examination. Nothing in these Terms and Conditions limits or excludes liability for death or personal injury caused by negligence, fraud, or any other liability that cannot lawfully be excluded.

Financial Regulation Courses operates across 14 jurisdictions globally, with company registrations in the United Kingdom, the United Arab Emirates, and Hong Kong. Our platform and services are actively offered to users across North America, Europe, the Middle East, Asia, and South Asia. These Terms and Conditions are governed by and construed in accordance with the laws of England and Wales as the primary governing law, reflecting our principal place of registration in the United Kingdom. FRC acknowledges its obligations to users across all jurisdictions in which it operates and recognises the following legal frameworks may apply depending on your country of residence: United Kingdom: Complies with the Consumer Rights Act 2015, UK GDPR, and FCA-aligned educational standards. United Arab Emirates: Subject to UAE Federal Law and DIFC or ADGM regulatory considerations where applicable. Hong Kong: Protected under the Personal Data (Privacy) Ordinance and consumer protection legislation. United States: Protected under federal and state consumer protection law, including the California Consumer Privacy Act (CCPA) where relevant. Canada: Protected under PIPEDA and provincial legislation (including Quebec's Law 25). European Union: Full protection under the General Data Protection Regulation (GDPR). Switzerland: Protected under the revised Federal Act on Data Protection (revFADP). India: Protected under the Information Technology Act 2000 and the Digital Personal Data Protection Act 2023. Pakistan: Protected under the Personal Data Protection Bill and consumer protection frameworks. Singapore: Protected under the Personal Data Protection Act 2012 (PDPA). Philippines: Protected under the Data Privacy Act of 2012.Any disputes will be referred in the first instance to mediation. Where mediation is unsuccessful, disputes will be subject to the jurisdiction of the courts of England and Wales, except where mandatory local law in your jurisdiction provides otherwise.

If you have any questions regarding these Terms and Conditions, wish to submit a cancellation request, or need to raise a concern, please contact us at: Financial Regulation Courses Email: info@financialregulationcourses.com Website: financialregulationcourses.com