Terms of Use

1. Acceptance of Terms

These Terms of Use constitute a legally binding agreement between you and Future DataHub, operating from 701-3 Millak-dong, Suyeong-gu, Busan, South Korea. By creating an account, accessing our learning materials, or participating in any of our programs, you acknowledge that you have read, understood, and agree to comply with these terms.

We reserve the right to modify these terms at any time. When we do, we'll post the updated version on this page and revise the effective date at the top. Your continued use of our services after changes are posted means you accept the modified terms. It's your responsibility to review these terms periodically.

2. Eligibility and Account Registration

Our services are available to individuals who are at least 18 years old or have reached the age of majority in their jurisdiction. If you're under 18, you may use our services only with the involvement and consent of a parent or legal guardian.

When you create an account with us, you must provide accurate, complete, and current information. You're responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. If you suspect any unauthorized use of your account, notify us immediately at info@future-datahub.com.

3. Educational Services and Programs

3.1 Nature of Services

Future DataHub provides educational content, tools, and resources focused on effective budgeting and financial management principles. Our programs are designed for educational purposes and do not constitute financial advice, investment recommendations, or professional consulting services.

3.2 Program Enrollment

Most of our comprehensive learning programs begin in autumn 2025 or early 2026. When you enroll in a program, you'll receive specific details about start dates, curriculum structure, and participation requirements. Program availability may be limited, and enrollment is subject to our acceptance.

We don't guarantee specific outcomes, employment opportunities, or financial results from participating in our programs. Your success depends on multiple factors including your effort, prior knowledge, and how you apply what you learn.

4. User Responsibilities and Conduct

As a user of Future DataHub, you agree to use our services responsibly and in accordance with applicable laws. You are prohibited from:

• Copying, distributing, or reproducing our educational materials without explicit written permission
• Using our services for any unlawful purpose or in violation of these terms
• Attempting to gain unauthorized access to our systems, other user accounts, or our networks
• Interfering with or disrupting the operation of our website or services
• Uploading or transmitting viruses, malware, or any other malicious code
• Harassing, threatening, or impersonating other users or our staff members
• Sharing your account credentials with others or allowing unauthorized access to your account
• Using automated systems or software to extract data from our website without permission

Violation of these conduct rules may result in immediate suspension or termination of your account and access to our services, without refund of any fees paid.

5. Intellectual Property Rights

5.1 Our Content

All content available through Future DataHub, including but not limited to text, graphics, logos, course materials, videos, software, and compilations, is the property of Future DataHub or our content providers and is protected by copyright, trademark, and other intellectual property laws.

We grant you a limited, non-exclusive, non-transferable license to access and use our educational materials solely for your personal, non-commercial use. This license does not permit you to republish, redistribute, or create derivative works from our content.

5.2 User-Generated Content

When you submit content through our platform, such as forum posts, comments, or assignments, you retain ownership of your content. However, you grant us a worldwide, royalty-free license to use, reproduce, and display your content as necessary to provide and improve our services.

6. Payment Terms and Refunds

Some of our services require payment of fees. All fees are stated in the applicable currency and are subject to change with reasonable notice. When you purchase a paid service, you agree to pay all applicable fees and charges.

Our refund policy varies by program type. Generally, you may request a refund within 14 days of purchase if you haven't accessed significant portions of the course content. Refund requests after this period or after substantial course completion will be evaluated on a case-by-case basis. Refunds, when approved, typically take 7-10 business days to process.

7. Privacy and Data Protection

Your privacy matters to us. We collect, use, and protect your personal information in accordance with our Privacy Policy, which you can review separately on our website. By using our services, you consent to our collection and use of your information as described in that policy.

We implement reasonable security measures to protect your data, but no online service can guarantee absolute security. You acknowledge that you provide your information at your own risk.

8. Disclaimers and Limitations of Liability

8.1 Service Availability

We strive to maintain reliable service, but we don't guarantee that our website or services will be available without interruption, error-free, or completely secure. We may suspend or modify services for maintenance, updates, or other reasons without prior notice.

8.2 Educational Disclaimers

Our educational content is provided for informational purposes. We make no warranties about the accuracy, completeness, or suitability of our materials for any particular purpose. Financial situations vary widely, and what works for one person may not work for another.

Results from our programs can vary significantly based on individual circumstances, effort, and external factors beyond our control. We don't promise specific financial outcomes, career advancement, or other results from using our services.

8.3 Limitation of Liability

To the maximum extent permitted by law, Future DataHub and its directors, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services. Our total liability for any claims related to our services is limited to the amount you paid us in the twelve months preceding the claim.

9. Termination

Either party may terminate this agreement at any time. You can close your account by contacting our support team. We reserve the right to suspend or terminate your access to our services if you violate these terms, engage in fraudulent activity, or for other legitimate business reasons.

Upon termination, your right to access our services ceases immediately. Provisions of these terms that by their nature should survive termination will remain in effect, including intellectual property rights, disclaimers, and limitations of liability.

10. Dispute Resolution

If a dispute arises between you and Future DataHub, we encourage you to contact us first to seek an informal resolution. Most concerns can be resolved quickly through direct communication with our team.

These terms are governed by the laws of South Korea. Any legal disputes that cannot be resolved informally shall be subject to the exclusive jurisdiction of the courts in Busan, South Korea.

11. General Provisions

These Terms of Use constitute the entire agreement between you and Future DataHub regarding your use of our services. If any provision of these terms is found to be unenforceable, the remaining provisions will continue in full effect.

Our failure to enforce any right or provision of these terms does not constitute a waiver of that right or provision. We may assign our rights and obligations under these terms, but you may not assign yours without our written consent.