Last updated: November 25, 2025

1. Introduction

These Terms & Conditions (“Terms”) govern your access to and use of the Moneywise website, products, services, courses, programmes, events, and communities.

By accessing or using Moneywise, you agree to be bound by these Terms. If you do not agree, please do not use our services.

2. About Moneywise

Moneywise is a financial education and literacy platform providing educational content, courses, coaching, mentoring, events, and community-based learning experiences.

Moneywise does not provide regulated financial, investment, legal, or tax advisory services.

3. Eligibility

You must be at least 18 years old to use Moneywise services.
By using this platform, you confirm that you meet this requirement.

4. Educational Purpose Only

All content provided by Moneywise is for educational and informational purposes only.

Nothing on this platform should be interpreted as:

• Personalised financial advice
• Investment recommendations
• Brokerage or asset management services

Users are encouraged to seek advice from licensed professionals before making financial or investment decisions.

5. User Responsibilities

By using Moneywise, you agree to:

• Provide accurate and truthful information when registering or making purchases
• Use the content for personal, non-commercial purposes
• Respect other community members and facilitators

You are solely responsible for your financial decisions and actions.

6. Payments & Access

All payments are required in full before access is granted to any paid product or service. Prices, payment methods, and billing terms are displayed at checkout.
Payments are processed securely via third-party payment providers.

7. Refunds & Cancellations

Refunds, cancellations, and dispute handling are governed by our Refund & Dispute Resolution Policy, which forms part of these Terms.

Please review that policy carefully before making a purchase.

8. Subscriptions & Memberships

For subscription-based services:

• Fees are billed on a recurring basis
• Subscriptions may be cancelled before the next billing cycle
• Fees already paid are non-refundable

Access remains active until the end of the current billing period.

9. Intellectual Property

All content on Moneywise, including text, videos, frameworks, templates, branding, and materials, is the intellectual property of Moneywise or its licensors.

You may not reproduce, distribute, modify, or resell any content without prior written permission.

10. Community Conduct

Users must not:

• Share false, misleading, or harmful information
• Harass, abuse, or disrespect others
• Share login details or paid content without permission

Moneywise reserves the right to suspend or terminate access for violations of these Terms.

11. Limitation of Liability

Moneywise shall not be liable for:

• Financial losses or decisions made by users
• Errors, omissions, or outcomes arising from educational content
• Indirect or consequential damages

Use of the platform is at your own discretion and risk.

12. Third-Party Links & Tools

Moneywise may include links to third-party websites or tools for convenience.
We are not responsible for the content, policies, or practices of external platforms.

13. Termination

Moneywise reserves the right to suspend or terminate access to services at any time if these Terms are violated.

14. Changes to These Terms

We may update these Terms from time to time. Continued use of the platform after updates constitutes acceptance of the revised Terms.

15. Governing Law

These Terms are governed by the laws of the Federal Republic of Nigeria.

16. Contact

For questions regarding these Terms, please contact:

📧 support@moneywisecircle.com

By using Moneywise, you agree to learn responsibly and build wisely.