Last Updated: November 2024

1. Acceptance of Terms

By accessing or using Kinfora's educational platform, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use our platform.

2. Educational Platform Description

Kinfora is an educational platform that provides:

• Financial education resources for the African diaspora
• Community forums for educational discussion
• Trading simulation tools for risk-free learning
• Educational content and learning materials

3. Educational Disclaimer

Not Investment Advice

• All content is for educational purposes only
• We are not registered investment advisors
• No content should be considered personalized financial advice
• You should consult qualified professionals for financial decisions

Simulation Platform

• Trading simulation uses virtual money only
• No real trading accounts are connected
• Simulation results do not guarantee real trading performance
• Past performance does not predict future results

4. User Responsibilities

Account Usage

You agree to:

• Provide accurate information when creating accounts
• Maintain the security of your login credentials
• Use the platform only for educational purposes
• Respect other community members and maintain civil discourse

Prohibited Activities

You may not:

• Provide investment advice or financial recommendations to other users
• Share content that is not educational in nature
• Attempt to hack, disrupt, or misuse the platform
• Violate any applicable laws or regulations
• Impersonate others or provide false information
• Use the platform for commercial or promotional purposes without permission

5. Community Guidelines

Acceptable Use

• Educational discussions and questions
• Sharing learning experiences and resources
• Respectful debate about educational topics
• Support and encouragement for fellow learners

Unacceptable Use

• Investment advice or "hot tips"
• Promotional content or spam
• Harassment or discriminatory behavior
• Off-topic discussions unrelated to financial education

6. Intellectual Property

Our Content

Kinfora owns the intellectual property rights to:

• Educational articles and resources
• Platform software and design
• Proprietary learning tools and simulations
• Trademarks and branding elements

User Content

By participating in our community, you grant us permission to:

• Display your educational discussions and contributions
• Use your content to improve our educational platform
• Moderate and edit content for community standards

7. Risk Disclosure

8. Limitation of Liability

To the fullest extent permitted by law:

• Kinfora is not liable for investment losses or financial decisions
• We provide educational content "as is" without warranties
• Our liability is limited to the amount you paid for premium services
• We are not responsible for third-party content or external links

9. Platform Availability

While we strive for reliable service:

• Platform availability is not guaranteed
• We may perform maintenance that temporarily affects access
• Technical issues may occasionally impact functionality
• We reserve the right to modify or discontinue services

10. Premium Services

If you subscribe to premium educational services:

• Fees are charged as specified during signup
• Cancellation policies are clearly stated
• Refunds are provided according to our refund policy
• Premium content remains educational, not advisory

11. Termination

Your Right to Terminate

You may stop using Kinfora at any time by:

• Deleting your account through your profile settings
• Unsubscribing from all communications
• Contacting us to request account deletion

Our Right to Terminate

We may suspend or terminate accounts that:

• Violate these terms of service
• Provide investment advice to other users
• Engage in harmful or disruptive behavior
• Misuse the platform for non-educational purposes

12. Governing Law

These Terms are governed by the laws of the United States and the state where Kinfora operates. Any disputes will be resolved through binding arbitration as specified in our dispute resolution procedures.

13. Changes to Terms

We may modify these Terms of Service to reflect changes in our services or legal requirements. We will provide notice of significant changes by:

• Posting updated terms on our website
• Emailing registered users about important changes
• Providing in-platform notifications

Continued use of Kinfora after changes indicates acceptance of updated terms.

14. Contact Information

For questions about these Terms of Service: