1. Introduction

These Terms and Conditions govern your use of Innova platform and it’s services (referred to as "Website," "Service," "Platform"). By accessing or using our website, you agree to comply with and be bound by these Terms. If you do not agree with these Terms, please refrain from using our website.

2. Intellectual Property Rights

Except for the content you own, all intellectual property rights and materials on this Website are owned by Innova and/or its licensors. You are granted a limited, non-exclusive, non-transferable license to view the materials on this Website for personal and non-commercial use.

3. Restrictions

You are specifically prohibited from:

• Publishing, selling, sublicensing, or commercializing any Website material.
• Publicly performing or displaying any Website material.
• Using the Website in a way that may harm or impair its functionality.
• Engaging in data mining, scraping, or any similar activity.
• Using the Website to advertise or promote any commercial services.

Certain areas of the Website may be restricted, and Innova reserves the right to limit access at its discretion. User credentials must remain confidential, and you are responsible for all activities under your account.

4. Disclaimers

The content provided on Innova’s platform is intended for informational and educational purposes only. It does not constitute professional financial, legal, or investment advice.

5. Important Notes

• The information is not an offer or solicitation for the sale or purchase of financial products or strategies.
• Users should consult qualified professionals, including financial advisers, tax consultants, or legal experts, before implementing any strategies discussed on the platform.
• Investments carry inherent risks, including the potential loss of principal.
• Innova disclaims all warranties, express or implied, regarding the accuracy or applicability of the materials provided.

6. User Content

“User Content” refers to any material (text, images, documents, audio, etc.) you post or upload to the Website. By submitting User Content, you grant Innova a non-exclusive, worldwide, sub-licensable license to use, reproduce, modify, and distribute this content in connection with the Website and services. User Content must not infringe any third-party rights, and Innova reserves the right to remove any content that violates these Terms.

7. Certificate of Completion

Innova provides certificates of completion upon successfully finishing a certain program. However, certificates do not confer academic credit unless explicitly stated.

8. No Warranties

The Website and services are provided "as is," and Innova makes no warranties regarding the accuracy, reliability, or completeness of the Website or its content. We do not guarantee that the Website will be error-free or uninterrupted.

9. Limitation of Liability

Innova and its affiliates, directors, and employees are not liable for any indirect, consequential, or special damages arising from your use of the Website, even if advised of such potential damages.

10. Severability

If any provision of these Terms is found to be unenforceable under applicable law, the invalid provision will be removed without affecting the remaining provisions.

11. Changes to Terms

Innova reserves the right to modify these Terms at any time. Changes will be effective immediately upon posting. By continuing to use the Website and services after changes are posted, you agree to the modified Terms.

12. Registration and Account

To access certain services, you must register an account on the Innova platform. You are responsible for maintaining the confidentiality of your login credentials and for all activities under your account.

13. Pricing and Payment

All fees for services offered through the platform are listed on the Website and are subject to change. Payment for services is due at the time of booking. We accept secure online payments through our trusted provider, Fawry. Just so you know, Fawry's responsibility is limited to payment collection only.

14. Refunds and Return Policy

At Innova, we believe in the quality and value of our programs. To ensure your satisfaction:

• You are entitled to one free trial session to experience our program firsthand before making a final decision.
• If, for any reason, the program does not meet your expectations after this session, you are eligible for a full refund of your payment.
• Once you continue beyond the first session, all purchases, including courses and digital products, become final and non-refundable.

We are confident in the impact of our learning experience and look forward to supporting your child's financial education journey.

15. Conduct

You agree to conduct yourself respectfully and professionally while using the Website or services. Any inappropriate or disruptive behavior may result in the suspension or termination of your account and services.

16. Privacy Policy

By using the Website and services, you consent to the collection and use of your personal information as described in our Privacy Policy page.

17. Assignment

Innova may assign its rights and obligations under these Terms without notice. You may not assign or transfer your rights or obligations without prior written consent from Innova.

18. Entire Agreement

These Terms constitute the entire agreement between you and Innova concerning your use of the Website, superseding all prior agreements or understandings.