Terms of Service
Before using EFTHW services, please read these terms carefully. By continuing, you confirm your agreement to these terms.
Table of Contents
1. Overview
These terms cover the use of EFTHW platform, courses, resources, and related services ("Services").
2. Eligibility
You must be at least 16 years old to register an account. By using EFTHW, you represent that you have authority and capacity to enter into these terms.
3. Account Terms
You agree to maintain accurate account information, protect your password, and take responsibility for account activity. Unauthorized access attempts may result in account termination.
4. Content Guidelines
The platform contains educational content created by EFTHW and third parties. Users agree to use content for personal learning and not to reproduce, distribute, or commercialize any materials without approval.
5. Payments
All payments are handled securely through our payment processor. Refund requests are handled case-by-case and may be subject to a 15% processing fee.
6. Termination
EFTHW may terminate any account that violates these terms or engages in harmful behavior. Users may cancel subscriptions through account settings at any time.
7. Dispute Resolution
All disputes will be resolved through binding arbitration in accordance with applicable U.S. and Finnish jurisdiction laws. You agree to submit to the exclusive jurisdiction of the courts in Helsinki, Finland.
Important Notice
These terms are subject to change without notice. We will notify users via email when significant updates occur. Continued use of the platform confirms your acceptance of the modified terms.