Terms & Conditions

Last updated: 2026-04-19. Effective date: 2026-04-19.

1. Acceptance of Terms

By accessing howtocfa.com ("Website") operated by GreyHair Ventures Private Limited ("Company", "we", "us"), you agree to these Terms & Conditions ("Terms"). If you do not agree, please discontinue use of the Website.

2. Educational Purpose; Not Financial Advice

The content on this Website — including blog posts, videos, course materials, and mentor responses — is for educational and informational purposes only. It does not constitute financial, investment, legal, or tax advice, and must not be relied upon as such. Always consult a qualified professional before making a financial or investment decision.

3. CFA Institute Disclaimer

CFA Institute does not endorse, promote, or warrant the accuracy or quality of the products or services offered by GreyHair Ventures Private Limited. CFA® and Chartered Financial Analyst® are registered trademarks owned by CFA Institute.

4. Intellectual Property

All content on this Website — including text, images, videos, PDFs, audio, code, and course materials — is the intellectual property of GreyHair Ventures Private Limited unless explicitly attributed otherwise. You may view and personally download materials for your own study. Any reproduction, redistribution, public display, resale, sharing of login credentials, or use of our content to train machine-learning models is prohibited without our prior written consent.

5. User Responsibility

You are responsible for maintaining the confidentiality of any account credentials and for all activities under your account. You agree not to use the Website in any way that is unlawful, that infringes our rights or the rights of others, or that disrupts the Website's operation.

6. Course Purchases & Refunds

Purchases of the CFA Level 1 course are subject to our Cancellation & Refund Policy. Payment processing is handled by secure third-party providers (see our Privacy Policy §5). Course access is granted for your personal, non-transferable use.

7. Limitation of Liability

To the maximum extent permitted by applicable law, the Company shall not be liable for any indirect, incidental, special, consequential, or punitive damages (including loss of profits, loss of data, loss of opportunity, or reputational harm) arising out of or in connection with your use of the Website or course, whether based on contract, tort, strict liability, or any other legal theory. The Company's total aggregate liability to you in connection with the Website or the course shall not exceed the amount you paid to the Company in the twelve (12) months preceding the event giving rise to the claim.

Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law.

8. Indemnification

You agree to indemnify and hold harmless GreyHair Ventures Private Limited, its directors, officers, employees, and agents from and against any claims, damages, losses, liabilities, costs, or expenses (including reasonable legal fees) arising out of (a) your breach of these Terms, (b) your misuse of the Website or course materials, or (c) your violation of any law or third-party right.

9. External Links

This Website may contain links to external sites. We are not responsible for the content, privacy practices, or availability of those sites.

10. Modifications to Terms

We may update these Terms from time to time. The "Last updated" and "Effective date" at the top of this page will reflect any changes. Material changes will be notified to enrolled users via email. Your continued use of the Website after an update constitutes acceptance of the revised Terms.

11. Termination

We reserve the right, at our sole discretion, to suspend or terminate your access to the Website or any course for violation of these Terms, unlawful use, or conduct that harms other users or the Company. Termination for cause does not entitle you to a refund of amounts already paid, except as required by our Cancellation & Refund Policy or applicable law.

12. Governing Law & Jurisdiction

These Terms are governed by the laws of India. Any dispute arising out of or in connection with these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the courts in Gurgaon, Haryana.

13. Contact

For questions about these Terms, contact hello@howtocfa.com.

GreyHair Ventures Private Limited, L.Shiva-19 Springboard, Plot 23, Sector-18, Gurgaon 122015, Haryana, India.