Last Updated: 1 July 2025

By accessing or using Kapitalized.com (“Website,” “we,” “us,” or “our”), you agree to comply with these Terms and Conditions (“Terms”). These Terms apply to all users, including:

• Visitors (free access to content).

• Registered Users (free or paid account holders).

• Subscribers (monthly/annual paid members).

If you do not agree, please do not use this Website.

1. Account Registration & Access

• Some free content may require user registration.

• You must provide accurate and current information.

• You are responsible for maintaining account security (e.g., password protection).

• We reserve the right to suspend or terminate accounts for violations of these Terms.

2. Purchases & Subscriptions

Digital Products (Courses, Financial Models, Paid Content)

• All sales are final once the product is accessed (see Refund Policy).

• You may not redistribute, resell, or share purchased content without permission.

Subscriptions

• Monthly subscriptions can be canceled anytime; access continues until the end of the billing cycle.

• Annual subscriptions are non-refundable (see Refund Policy).

• We may update subscription pricing with prior notice.

3. Use of Content & Licensing

Free & Paid Content

• Content is for personal or internal business use unless stated otherwise.

• Copying, modifying, or distributing paid content without permission is prohibited.

Open-Source Licensed Materials

• If content is marked as open-source, you may fork, modify, or reuse it only with proper attribution (e.g., “Source: Kapitalized.com”).

• Failure to provide attribution is a violation of these Terms.

4. User Conduct & Prohibited Actions

You agree not to:

• Share login credentials or access paid content unlawfully.

• Use automated tools (e.g., scraping, bots) without permission.

• Post harmful, illegal, or misleading content.

• Reverse-engineer or exploit Website vulnerabilities.

5. Privacy & Data Use

Your data is handled per our Privacy Policy. By using this Website, you consent to:

• Transactional emails (e.g., purchase receipts).

• Marketing newsletters (opt-out available).

• Secure payment processing via third parties (e.g., Stripe, PayPal).

6. Refund Policy

All refunds are subject to our Refund Policy. Key terms:

• No refunds for accessed/downloaded digital products.

• No refunds for annual subscriptions.

• Refunds only if content was never accessed.

7. Disclaimers & Limitation of Liability

• Content is provided “as is”—we do not guarantee accuracy or fitness for a particular purpose.

• We are not liable for:

  • Financial losses from using our materials.

  • Website downtime or technical issues.

  • Third-party actions (e.g., payment processors).

8. Changes to These Terms

We may update these Terms at any time. Continued use of the Website constitutes acceptance.

9. Governing Law & Disputes

These Terms are governed by the laws of state of NSW, Australia. Disputes will be resolved via arbitration or small claims court.

10. Contact Us

For questions, contact:
Website: kapitalized.com/contact