1. Acceptance of Terms

By accessing and using Virtual CFPM's website and services, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Use License

Permission is granted to temporarily download one copy of the materials (information or software) on Virtual CFPM for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

• Modifying or copying the materials
• Using the materials for any commercial purpose or for any public display
• Attempting to decompile or reverse engineer any software contained on the site
• Removing any copyright or other proprietary notations from the materials
• Transferring the materials to another person or "mirroring" the materials on any other server
• Sharing course access or credentials with unauthorized users

3. Course Access & Enrollment

3.1 Access Duration

Course access is provided for the duration specified at the time of enrollment. Typically, online courses provide 90 days of access unless otherwise specified.

3.2 Personal Use Only

Course materials and credentials are for your personal, non-transferable use only. Sharing credentials or distributing course materials is prohibited.

3.3 Refund Policy

Refunds are available within 7 days of purchase if less than 20% of the course has been completed. Contact support@virtualcfpm.com for refund requests.

4. Certificates & Credentials

Certificates are issued upon successful course completion and exam passage (where applicable). Certificates are valid for the period specified by the course provider. We reserve the right to revoke certificates obtained through fraud or dishonest means.

5. Payment & Billing

• All payments are processed securely through third-party payment processors
• You authorize us to charge the payment method you provide
• Prices are subject to change with notice
• Billing disputes must be reported within 30 days
• Failed payments may result in account suspension

6. User Responsibilities

You agree to:

• Provide accurate account information
• Maintain confidentiality of your login credentials
• Not impersonate others or provide false information
• Comply with all applicable laws and regulations
• Not engage in cheating, fraud, or dishonest conduct
• Respect intellectual property rights

7. Limitation of Liability

Virtual CFPM and its operators are not liable for indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the service, even if we've been advised of the possibility of such damages.

8. Modifications to Service

Virtual CFPM reserves the right to modify or discontinue services at any time, with or without notice. We are not liable for any modifications or discontinuance of service.

9. Account Termination

We reserve the right to terminate or suspend your account at any time if you violate these terms or engage in prohibited conduct. Termination does not entitle you to a refund.

10. Disclaimer of Warranties

The materials on Virtual CFPM are provided on an 'as is' basis. Virtual CFPM makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

11. Limitations

In no event shall Virtual CFPM or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on Virtual CFPM's website.

12. Accuracy of Materials

The materials appearing on Virtual CFPM's website could include technical, typographical, or photographic errors. Virtual CFPM does not warrant that any of the materials on its website are accurate, complete, or current. Virtual CFPM may make changes to the materials contained on its website at any time without notice.

13. Links

Virtual CFPM has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Virtual CFPM of the site. Use of any such linked website is at the user's own risk.

14. Modifications of Terms

Virtual CFPM may revise these terms of service for its website at any time without notice. By using this website, you are agreeing to be bound by the then current version of these terms of service.

15. Governing Law

These terms and conditions are governed by and construed in accordance with the laws of Minnesota, United States, and you irrevocably submit to the exclusive jurisdiction of the courts in that location.

16. Contact Information

If you have any questions about these Terms of Service, please contact us at:
Email: support@virtualcfpm.com