Last Updated: Jan-06-2025

Please read these Terms and Conditions ("Terms") carefully before using PHL Vision Hedge Fund & Trust's ("we," "us," or "our") services, programs, courses, and digital products (collectively, the "Services").

By accessing or using our Services, you agree to be bound by these Terms. If you disagree with any part of the Terms, then you may not access the Services.

1. Acceptance of Terms

By using our Services, you acknowledge that you have read, understood, and agreed to be bound by these Terms. If you do not agree with any part of these Terms, please refrain from using our Services.

2. Description of Services

We offer various online courses, digital products, mentorship programs, and consulting services designed to help individuals and businesses achieve their financial goals through the Finance GPS Navigator method. 

3. User Accounts

• Registration: To access certain features of our Services, you may be required to create an account. You agree to provide accurate and complete information when creating your account.
• Account Security: You are responsible for maintaining the confidentiality of your account login information and for all activities that occur under your member account.
• Member Account Termination: We reserve the right to suspend or terminate your account at any time, without prior notice, if we believe that you have violated these Terms or engaged in any behavior that we deem inappropriate. 

4. Payment and Pricing

• Pricing: All prices for our Services are listed in USD and are subject to change without prior notice.
• Payment Methods: We accept payments through Stripe and PayPal, as displayed on our checkout pages.
• Taxes: You are responsible for any applicable sales taxes, value-added taxes, or other taxes imposed by your jurisdiction.
• Currency Conversion: You are responsible for all fees or other costs relating to currency conversions.

5. Intellectual Property

• Ownership: All content, including but not limited to, course materials, videos, text, graphics, and logos, are owned by PHL Vision Hedge Fund & Trust and are protected by copyright and intellectual property laws.
• Use Restrictions: You may not reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any content from our Services without our prior written permission.
• License: By purchasing our Services, you are granted a personal, non-exclusive, non-transferable license to use the Services for your personal or internal business use only.

6. User Conduct

You agree to use our Services in a responsible and lawful manner. You agree not to:

• Violate any applicable laws or regulations.
• Engage in any fraudulent or misleading behavior.
• Infringe on any third-party intellectual property rights.
• Transmit any harmful, abusive, or offensive content.
• Attempt to gain unauthorized access to our systems or user/member accounts.

7. Disclaimers and Limitations of Liability

• No Guarantee of Results: We do not guarantee that you will achieve any specific financial results or outcomes from using our Services. Your results will depend on your effort and implementation.
• "As Is" Basis: Our Services are provided on an "as is" and "as available" basis, without any warranties, either expressed or implied.
• Limitation of Liability: To the maximum extent permitted by law, we will not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of, or inability to use, our Services.