Welcome to Compass Wealth Institute. These Terms of Service govern your use of our website, courses, and educational services. By accessing or participating in our programs, you agree to comply with these terms, which are designed to ensure a fair and productive experience for all users. Our mission is to empower individuals with financial knowledge, and these terms outline the expectations for both parties to achieve that goal. Our services include access to online courses, live training sessions, and proprietary tools for financial education. Users must be at least 18 years old to enroll or participate. By registering, you confirm that all provided information is accurate and that you will maintain the confidentiality of your account credentials. Unauthorized sharing of access credentials may result in account suspension or termination. All content provided through our platform, including course materials, videos, and trading tools, is the intellectual property of Compass Wealth Institute. Users are granted a non-exclusive, non-transferable license to access content for personal use only. Reproduction, distribution, or commercial use of our materials without prior written consent is strictly prohibited. This ensures the integrity of our educational offerings and protects the value provided to our students. Payments for courses and services are non-refundable unless explicitly stated in a specific course agreement. Users are responsible for reviewing course descriptions and requirements before enrolling. We reserve the right to modify course content, schedules, or pricing at our discretion, with notice provided to enrolled students. Cancellations or changes to subscriptions must follow the procedures outlined in your account settings. Compass Wealth Institute is not a financial advisory service. Our educational content is for informational purposes only and does not constitute financial advice. Users are responsible for their own investment decisions and should consult with licensed professionals before acting on any information provided. We do not guarantee financial outcomes or investment success, as markets are inherently unpredictable. Users agree to engage respectfully with instructors, staff, and other students. Any behavior deemed disruptive, harassing, or abusive may result in removal from our programs without refund. We reserve the right to update these terms at any time, with changes effective upon posting to our website. Continued use of our services constitutes acceptance of the updated terms. By participating in our programs, you acknowledge that financial education involves inherent risks, and you assume responsibility for your learning outcomes. We strive to provide accurate and up-to-date content, but we are not liable for errors or omissions. If you have questions about these terms, please contact our support team through the designated channels. These terms are governed by the laws of the state of Wisconsin. Any disputes will be resolved through arbitration in Milwaukee, Wisconsin, unless otherwise required by law. We value your commitment to learning and look forward to supporting your journey to financial mastery.