Terms of Service - Fiscal Edge

Introduction and Scope

These Terms of Service govern your access and use of Fiscal Edge educational services, including our website, course materials, and advertising-supported content. By using our services, you agree to comply with these terms and our advertising platform compliance requirements.

Fiscal Edge operates advertising campaigns through Google Ads, Facebook (Meta) advertising, and Microsoft Bing Ads. Your use of our website and services is subject to the terms and policies of these advertising platforms, which are incorporated by reference into this agreement.

These terms establish your rights and responsibilities as a user, our obligations as an educational service provider, and the legal framework governing our relationship, including advertising data collection and usage practices.

Advertising and Marketing Terms

Data Collection for Advertising Purposes

Consent Requirements:

By using our website, you consent to the collection and processing of your data for advertising purposes through cookies and tracking technologies, subject to your privacy preferences and applicable law.

Data Types Collected:

We collect browsing behavior, demographic information, interaction data, conversion events, device information, and geographic location data for marketing optimization and audience targeting.

Third-Party Networks:

Your data may be shared with Google, Facebook (Meta), Microsoft, and other advertising networks to deliver relevant educational content and measure campaign effectiveness across platforms.

Cross-Device Tracking:

We may link your activity across different devices and platforms to create unified user profiles for improved advertising targeting and personalization.

Advertising Targeting Practices

Interest-Based Advertising:

We use behavioral data, demographic information, and expressed interests to deliver targeted advertisements about financial analysis courses and related educational content.

Remarketing Activities:

Previous website visitors may see our advertisements across Google, Facebook, Microsoft advertising networks, and partner sites to encourage course enrollment and engagement.

Lookalike Audiences:

We create advertising audiences based on characteristics similar to our existing students to reach individuals likely interested in financial analysis education.

Geographic and Demographic Targeting:

Advertisements may be targeted based on location, age range, professional background, educational level, and inferred interests related to finance and business education.

Marketing Communications

Email Marketing:

We send course information, enrollment updates, educational newsletters, and promotional offers only to individuals who have provided consent or inquired about our services.

Social Media Advertising:

Targeted advertisements may appear on Facebook, Instagram, LinkedIn, and other social platforms based on your profile information and online behavior.

Opt-Out Rights:

You can opt-out of marketing communications at any time using unsubscribe links, platform-specific controls, or by contacting us directly through our website.

User Obligations and Prohibited Uses

General User Obligations

Accurate Information: Provide truthful and complete information when submitting course inquiries, enrollment forms, and other communications
Age Requirements: You must be at least 16 years old to provide consent for advertising cookies and data collection for marketing purposes
Account Security: Maintain confidentiality of any account credentials and notify us immediately of unauthorized access or security breaches
Legal Compliance: Use our services in compliance with all applicable laws, regulations, and professional standards in your jurisdiction
Intellectual Property: Respect copyright, trademark, and other intellectual property rights in all course materials and content

Prohibited Activities

Advertising Fraud:

• Click fraud or artificial traffic generation
• Bot interactions or automated engagement
• Circumventing advertising tracking systems
• Manipulating conversion metrics
• False engagement with advertising content

Technical Violations:

• Data scraping or harvesting activities
• Reverse engineering tracking mechanisms
• Interfering with website functionality
• Uploading malware or malicious code
• Disrupting server operations

Content and Conduct Restrictions

Prohibited Content: No illegal, harmful, defamatory, or misleading content in communications, reviews, or feedback submissions.

Spam Prevention: No unsolicited communications, mass messaging, or promotional content unrelated to educational services.

Identity Authenticity: No impersonation, false identity representation, or misleading professional credentials in communications.

Platform Compliance: Adherence to Google, Facebook, and Microsoft community standards and advertising policies during interactions.

Platform-Specific Compliance

Google Ads Policies Compliance

Prohibited Content Categories:

Our advertising complies with Google's policies prohibiting counterfeit goods, dangerous products, dishonest behavior, inappropriate content, and restricted financial products.

Editorial Standards:

All advertising content meets Google's editorial requirements for clear, relevant, professional presentation with accurate course descriptions and transparent pricing.

Technical Requirements:

Our website maintains functional landing pages, accurate conversion tracking, mobile-responsive design, and fast loading times as required by Google Ads policies.

EU User Consent:

We comply with Google's EU user consent policy, providing transparent cookie notices and obtaining proper consent for advertising data collection and processing.

Facebook/Meta Advertising Policies

Community Standards Adherence:

All advertising content respects Facebook's community standards regarding authentic identity, respectful behavior, safety, dignity, and legal compliance.

Advertising Content Policies:

Our advertisements avoid prohibited content including discriminatory practices, misleading claims, inappropriate targeting, and comply with educational services guidelines.

Data Use Compliance:

Facebook Pixel usage and custom audience creation comply with Meta's data use policies, including proper consent mechanisms and data retention limits.

Special Categories:

If applicable, educational content targeting complies with Facebook's special ad categories requirements and includes appropriate disclaimers.

Microsoft/Bing Ads Policies

Content Policy Compliance:

All advertising content adheres to Microsoft's prohibited and restricted content policies, maintaining professional educational standards and appropriate targeting.

Editorial Guidelines:

Advertisements meet Microsoft's editorial standards for grammar, punctuation, spelling, clarity, and professional presentation of educational services.

Landing Page Requirements:

All landing pages provide relevant, functional, transparent information about courses with clear privacy policies and terms of service access.

Data Collection Terms:

UET tag usage and data collection practices comply with Microsoft Advertising data usage terms and applicable privacy regulations.

Industry Standards and Legal Compliance

Industry Standards Compliance

IAB Guidelines: Interactive Advertising Bureau standards for digital advertising practices and consumer privacy
NAI Principles: Network Advertising Initiative self-regulatory principles for online behavioral advertising
DAA Framework: Digital Advertising Alliance standards for interest-based advertising and consumer choice
EDAA Compliance: European Digital Advertising Alliance framework for behavioral advertising transparency
Local Standards: Adherence to Netherlands and EU advertising standards authority requirements

Legal and Regulatory Compliance

FTC Requirements: Federal Trade Commission advertising disclosure and transparency requirements for educational services
GDPR Compliance: General Data Protection Regulation consent requirements and data protection rights for EU users
CCPA Compliance: California Consumer Privacy Act opt-out requirements and privacy rights for California users
CAN-SPAM Act: Email marketing compliance including proper sender identification and unsubscribe mechanisms
Educational Regulations: Compliance with applicable educational services regulations and consumer protection laws

Liability and Disclaimers

Advertising-Related Disclaimers

No ROI Guarantees: We do not guarantee specific advertising results, conversion rates, enrollment numbers, or return on investment from marketing activities.

Platform Availability: Third-party advertising platforms (Google, Facebook, Microsoft) may experience outages, policy changes, or service modifications beyond our control.

Ad Approval Discretion: Advertising platforms reserve the right to approve, reject, or modify advertisements based on their policies and editorial guidelines.

Performance Variations: Campaign performance may vary due to external factors including market conditions, competition, platform algorithm changes, and user behavior patterns.

Data Accuracy: While we strive for accuracy, advertising metrics and analytics data may contain errors or discrepancies due to technical limitations or third-party reporting issues.

Limitation of Liability

Third-Party Platforms: We are not liable for actions, policies, outages, or data practices of Google, Facebook, Microsoft, or other advertising platforms.

Data Security: While we implement reasonable security measures, we cannot guarantee complete protection against data breaches or unauthorized access to advertising data.

Service Interruptions: No liability for temporary service interruptions, website maintenance, or advertising campaign suspensions beyond our reasonable control.

Consequential Damages: We exclude liability for indirect, incidental, consequential, or punitive damages arising from advertising activities or platform issues.

Maximum Liability: Our total liability is limited to the amount paid for services in the 12 months preceding any claim, or €100, whichever is greater.

Indemnification

User Indemnification: You agree to indemnify Fiscal Edge against claims arising from your violation of advertising platform policies, applicable laws, or these terms of service.

Third-Party Claims: Users are responsible for defending against claims related to their advertising conduct, data misuse, or policy violations on third-party platforms.

Legal Costs: Indemnification includes reasonable attorney fees, court costs, and settlement amounts related to covered claims and violations.

Platform Violations: Users bear responsibility for consequences of non-compliant advertising behavior that results in account suspensions or policy enforcement actions.

Service Modifications and Updates

Changes to Advertising Services

Platform Integration: Updates to tracking technologies, pixel implementations, and analytics integrations
Consent Mechanisms: Modifications to cookie consent systems and privacy preference management
New Features: Addition of new advertising platforms, targeting options, or measurement capabilities
Discontinued Services: Removal of outdated tracking methods or unsupported advertising platforms
Policy Updates: Changes reflecting new platform policies or regulatory requirements

Terms Update Policy

Material Changes: Advance notice of significant changes affecting user rights or data practices
Continued Use: Ongoing use of services constitutes acceptance of updated terms
Termination Rights: Users may terminate their relationship with us if they disagree with material changes
Version History: Maintenance of previous terms versions for reference and transparency
Effective Dates: Clear indication of when updated terms take effect

Legal Information and Dispute Resolution

Governing Law and Jurisdiction

Applicable Law: These terms are governed by the laws of the Netherlands, without regard to conflict of law principles.

Jurisdiction: Dutch courts have exclusive jurisdiction over disputes arising from these terms or our services.

EU Rights: Nothing in these terms affects statutory rights of EU consumers under applicable consumer protection laws.

Language: The English version of these terms is the authoritative version; translations are provided for convenience only.

Dispute Resolution

Informal Resolution: We encourage addressing disputes through direct communication before formal legal proceedings.

Mediation: Disputes may be resolved through mediation services available in the Netherlands for educational service providers.

Small Claims: Small claims court proceedings are permitted for disputes within applicable monetary limits.

Legal Costs: Prevailing party may be entitled to reasonable attorney fees and costs as permitted by law.

Legal Notices and Contact

Legal Notice Procedures: Formal legal notices must be submitted through our website contact form with clear identification of the legal issue and requested action.

DMCA Takedown Requests: Copyright infringement claims should include all required elements under the Digital Millennium Copyright Act.

Law Enforcement Cooperation: We cooperate with law enforcement requests submitted through proper legal channels with appropriate documentation.

Regulatory Inquiries: Government and regulatory agency inquiries are handled through established legal procedures with appropriate legal counsel.