Terms of Service

1. Agreement to Terms

By accessing or using the services provided by hedgerledge ("we," "our," or "us") through our website hedgerledge.com (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Service.

We reserve the right to modify these Terms at any time. Your continued use of the Service following any changes constitutes your acceptance of the new Terms.

2. Description of Service

hedgerledge is a student-led educational initiative that provides:

• Structured financial literacy curriculum
• Peer and practitioner mentorship
• Community learning resources
• Educational materials and workshops

3. Educational Purpose Only

You expressly acknowledge and agree that:

• All content is for educational and informational purposes only
• We do not recommend or endorse any specific investments, strategies, or financial products
• Past performance discussed in any educational context does not guarantee future results
• You are solely responsible for your own financial decisions
• Our mentors and educators are not licensed financial advisors unless explicitly stated otherwise
• Any examples, case studies, or hypothetical scenarios are for educational illustration only

4. Eligibility

To use our Service, you must:

• Be at least 16 years of age
• Have the legal capacity to enter into a binding agreement
• Not be prohibited from using the Service under applicable laws
• Provide accurate and complete registration information

If you are under 18, you must have parental or guardian consent to use our Service.

5. User Accounts

When you create an account, you agree to:

• Provide accurate, current, and complete information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized access
• Accept responsibility for all activities under your account

6. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose
• Share account credentials with others
• Copy, distribute, or reproduce our educational content without permission
• Interfere with or disrupt the Service or servers
• Impersonate any person or entity
• Harass, abuse, or threaten other users or staff
• Use the Service to promote financial products or services
• Provide financial advice to other users
• Share misleading information about investment returns or opportunities

7. Intellectual Property

All content, materials, curriculum, and other intellectual property associated with the Service are owned by hedgerledge or our licensors. You are granted a limited, non-exclusive, non-transferable license to access and use the materials for personal educational purposes only.

You may not reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any content without our prior written consent.

8. Payment Terms

If you enroll in a paid program:

• Payment is due upon enrollment unless otherwise specified
• All fees are non-refundable unless stated in our refund policy
• We reserve the right to change pricing for future enrollments
• Need-based pricing is available upon application and approval

9. Refund Policy

Refund requests may be considered within 14 days of enrollment if you have not accessed more than 20% of the program content. Refund requests should be submitted to hello@hedgerledge.com and will be reviewed on a case-by-case basis.

10. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability or fitness for a particular purpose
• Warranties that the Service will be uninterrupted or error-free
• Warranties regarding the accuracy or completeness of content
• Warranties that the Service will meet your specific requirements

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, HEDGERLEDGE, ITS OFFICERS, DIRECTORS, EMPLOYEES, MENTORS, AND AFFILIATES SHALL NOT BE LIABLE FOR:

• Any indirect, incidental, special, consequential, or punitive damages
• Any loss of profits, revenue, data, or business opportunities
• Any financial losses resulting from decisions you make
• Any damages arising from your reliance on our educational content
• Any damages exceeding the amount you paid for the Service

12. Indemnification

You agree to indemnify, defend, and hold harmless hedgerledge and its officers, directors, employees, mentors, and affiliates from any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from your use of the Service, violation of these Terms, or infringement of any third-party rights.

13. Termination

We may terminate or suspend your access to the Service at any time, without prior notice, for any reason, including:

• Violation of these Terms
• Conduct harmful to other users or the Service
• Suspected fraudulent or illegal activity

Upon termination, your right to use the Service will immediately cease.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of the Service shall be resolved in the courts of competent jurisdiction.

15. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

16. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and hedgerledge regarding your use of the Service and supersede any prior agreements.

17. Contact Information

If you have any questions about these Terms, please contact us at: