FINLUM TERMS OF USE
Last Updated: 11.06.2026
These Terms of Use ("Terms") govern your access to and use of www.finlum.com, including all courses, educational programs, webinars, memberships, digital products, downloadable materials, and related services provided by SIA Training Solutions ("Company", "we", "us", or "our").
By accessing this website or purchasing any product or service, you agree to be bound by these Terms.
If you do not agree with these Terms, please do not use our website or services.
1. Company Information
SIA Training Solutions
Registration No.: 40203316691
Neretas iela 2-10
Riga, LV-1004
Latvia
Email: [email protected]
Website: www.finlum.com
2. Eligibility
You must be at least 18 years old or have the consent of a parent or legal guardian to use our services.
By using the website, you represent and warrant that you have the legal capacity to enter into a binding agreement.
3. Educational Purpose Only
All content available through www.finlum.com, including courses, webinars, newsletters, educational materials, memberships, videos, and social media content, is provided solely for educational and informational purposes.
Nothing on this website constitutes:
- investment advice;
- financial advice;
- tax advice;
- legal advice;
- accounting advice;
- a recommendation to buy, sell, or hold any financial instrument.
You remain solely responsible for your financial decisions and investment activities.
4. Account Registration
Certain services require account registration.
You agree to:
- provide accurate and complete information;
- maintain the confidentiality of your login credentials;
- promptly update any information that becomes inaccurate.
You are responsible for all activities conducted through your account.
5. Course Access and Personal Use
All purchased courses, memberships, webinars, and educational materials are licensed solely to the individual purchaser.
You may not:
- share account credentials;
- distribute course materials;
- reproduce educational content;
- resell any content;
- provide access to third parties.
Unauthorized sharing may result in suspension or permanent termination of access without refund.
6. Intellectual Property
All content on www.finlum.com is protected by copyright, trademark, and intellectual property laws.
This includes:
- videos;
- presentations;
- workbooks;
- downloadable resources;
- educational frameworks;
- branding;
- logos;
- written content;
- graphics.
All rights are reserved by SIA Training Solutions.
No content may be copied, reproduced, distributed, modified, published, or commercially exploited without prior written consent.
7. Payments
All prices are displayed in Euros (€) unless otherwise stated.
Payment must be received in full before access to paid services is granted.
We reserve the right to modify prices at any time.
Price changes do not affect completed purchases.
8. Refund Policy
Refund eligibility is governed by the applicable Refund Policy available on the website.
Unless otherwise stated:
- digital products may be non-refundable once access is granted;
- live events may have separate cancellation terms;
- memberships may be cancelled according to subscription terms.
Specific refund conditions will be disclosed at the point of purchase.
9. User Conduct
You agree not to:
- violate any applicable laws;
- infringe intellectual property rights;
- engage in harassment or discrimination;
- upload malicious software;
- interfere with website functionality;
- use Finlum services for unauthorized advertising or solicitation.
We reserve the right to suspend or terminate access for violations of these Terms.
10. Third-Party Services
Finlum may provide links to third-party websites, brokers, financial platforms, software providers, and educational resources.
We do not control and are not responsible for:
- third-party services;
- broker performance;
- platform functionality;
- external content;
- third-party policies.
Your use of third-party services is entirely at your own risk.
11. Investment Risk Disclosure
Investing involves risk.
The value of investments may rise or fall.
Past performance does not guarantee future results.
You may lose part or all of your invested capital.
Any examples, simulations, illustrations, projections, or compound growth calculations are provided for educational purposes only and should not be interpreted as guarantees of future performance.
12. Limitation of Liability
To the fullest extent permitted by law, SIA Training Solutions shall not be liable for:
- investment losses;
- financial losses;
- indirect damages;
- consequential damages;
- loss of profits;
- loss of data;
- business interruption.
Your use of Finlum services is entirely at your own risk.
13. Force Majeure
The Company shall not be liable for delays or failures caused by events beyond its reasonable control, including:
- natural disasters;
- cyberattacks;
- internet outages;
- government actions;
- war;
- terrorism;
- pandemics;
- labor disputes.
14. Termination
We reserve the right to suspend or terminate access to our services if:
- these Terms are violated;
- fraudulent activity is suspected;
- unauthorized content sharing occurs.
Termination does not affect obligations arising before termination.
15. Governing Law
These Terms are governed by the laws of the Republic of Latvia.
Any disputes shall first be resolved through good-faith negotiations.
If no resolution is reached, disputes shall be submitted to the competent courts of Latvia.
16. Contact Information
SIA Training Solutions