1. Acceptance of Terms

When you access luminous-sparkflow.com, you accept these terms in full. If something doesn't sit right with you, please don't use our services. We update these terms occasionally to reflect changes in how we operate or legal requirements that come up. Your continued use after we post changes means you accept the updated version.

These terms apply to all visitors, students, and anyone who interacts with our platform in any capacity. That includes browsing our content, enrolling in programs, or reaching out through our contact forms.

2. Educational Services Description

Luminous Sparkflow provides educational content focused on financial analysis basics. Our programs are designed to help students understand fundamental concepts in financial analysis, budgeting, and related topics. We structure our courses to build knowledge progressively.

What we offer:

• Online learning materials covering financial analysis fundamentals
• Instructor-led sessions with experienced financial professionals
• Access to educational resources and practice materials
• Student support through our contact channels
• Program updates and supplementary content as courses evolve

Programs typically run between six months to a year. We'll provide specific enrollment details for autumn 2025 and early 2026 sessions separately.

3. User Obligations and Conduct

Your responsibilities as a user matter to us. We've built a community of learners, and maintaining that environment depends on everyone following some basic guidelines.

Account Security

You're responsible for keeping your login credentials secure. Don't share your account with others. If you notice any unauthorized access, let us know immediately at contact@luminous-sparkflow.com.

Prohibited Activities

• Sharing course materials or content with non-enrolled individuals
• Attempting to access restricted areas of our platform
• Using our services for anything illegal or harmful
• Harassing instructors, staff, or fellow students
• Distributing malware or engaging in hacking attempts
• Impersonating others or creating fake accounts
• Scraping our content or using automated tools without permission

We reserve the right to suspend or terminate access for anyone violating these guidelines. Serious violations may result in immediate removal without refund.

4. Intellectual Property Rights

All content on luminous-sparkflow.com belongs to us or our licensors. That includes course materials, videos, text content, graphics, logos, and software. When you enroll, you get a limited license to access and use materials for personal educational purposes only.

You cannot:

• Copy or redistribute our course materials
• Create derivative works based on our content
• Use our materials for commercial purposes
• Remove copyright notices or watermarks
• Frame or mirror our website content elsewhere

5. Payment Terms and Refund Policy

We process payments securely through established payment providers. All fees are stated in Vietnamese Dong unless otherwise specified. When you enroll, you agree to pay the tuition amount shown at registration.

Payment Schedule

Full payment is typically due before course access begins. For longer programs, we may offer payment plans. Those terms will be clearly outlined during enrollment. Late payments may result in access suspension until your account is current.

Refund Conditions

We offer refunds within 14 days of course start if you decide the program isn't right for you. After that window, refunds are evaluated on a case-by-case basis. Course materials accessed or downloaded typically disqualify you from refunds. Contact us at contact@luminous-sparkflow.com to discuss your situation.

6. Privacy and Data Protection

We collect personal information during registration and throughout your use of our services. This includes your name, email address, payment details, and learning progress data. We use this information to provide our educational services, communicate with you, and improve our offerings.

Your data is stored securely and we don't sell it to third parties. We may share information with service providers who help us operate our platform, but they're bound by confidentiality agreements. For detailed information about data practices, review our separate privacy policy.

You have rights regarding your personal data, including access, correction, and deletion requests. Reach out to us at contact@luminous-sparkflow.com to exercise these rights.

7. Disclaimers and Limitations

Let's be clear about what we do and don't promise. Our courses provide education in financial analysis fundamentals. We don't guarantee specific outcomes, certifications from external bodies, or employment results.

Our services are provided "as is" without warranties of any kind. We don't guarantee uninterrupted access—technical issues happen sometimes. We're not liable for any indirect, consequential, or incidental damages arising from your use of our services.

Limitation of Liability

Our total liability to you for any claims arising from these terms or your use of our services is limited to the amount you paid us in the twelve months before the claim arose. This doesn't affect any rights you may have under Vietnamese consumer protection law.

8. Course Access and Technical Requirements

You'll need reliable internet access and a device capable of running modern web browsers. We support current versions of Chrome, Firefox, Safari, and Edge. Some course materials may require additional software—we'll specify that before enrollment.

Course access typically remains available for the duration of your program plus three months after completion. After that, we may remove access unless you purchase extended access separately.

9. Modification of Services

We update our courses regularly to keep content relevant. Sometimes that means changing curriculum, updating materials, or adjusting how we deliver content. We'll notify enrolled students of significant changes. If changes substantially alter what you signed up for, we'll work with you to find a solution.

We might also discontinue certain programs if enrollment doesn't meet minimums or if content becomes outdated. In those cases, we'll provide reasonable notice and alternative options where possible.

10. Communication Preferences

By enrolling, you agree to receive communications from us about your courses, important updates, and occasional information about new programs. We won't spam you. You can opt out of promotional emails while still receiving essential course-related communications.

We'll primarily communicate through email. Make sure you check the address you provided during registration regularly. We're not responsible if you miss important information because you didn't monitor your email.

11. Student Conduct in Learning Environment

Our programs often include discussion forums, live sessions, or group projects. Respectful interaction is essential. Discrimination, harassment, or disruptive behavior won't be tolerated. We want everyone to feel comfortable learning and participating.

Academic integrity matters. Don't plagiarize or cheat on assignments. If you're caught submitting someone else's work as your own, we'll take action—possibly including removal from the program without refund.

12. Third-Party Links and Resources

We sometimes link to external resources that complement our curriculum. Those sites aren't under our control. We're not responsible for their content, privacy practices, or availability. When you click external links, you're leaving our platform and these terms no longer apply.

13. Termination Rights

Either party can end this agreement. You can stop using our services anytime, though that doesn't automatically entitle you to a refund outside our stated refund period. We can terminate your access if you violate these terms or if we discontinue operations.

Upon termination, your right to access course materials ends immediately. Sections of these terms that logically should survive termination—like intellectual property provisions, disclaimers, and dispute resolution terms—will remain in effect.

14. Dispute Resolution

If problems arise, let's try to work them out directly first. Contact us at contact@luminous-sparkflow.com with your concerns. We'll make a genuine effort to resolve issues informally.

These terms are governed by Vietnamese law. Any legal disputes will be subject to the jurisdiction of courts in Ho Chi Minh City, Vietnam. Before pursuing formal legal action, we encourage mediation as a cost-effective alternative.

15. Miscellaneous Provisions

If any part of these terms is found unenforceable, the rest remains in effect. Our failure to enforce a provision doesn't waive our right to enforce it later. These terms represent the complete agreement between us regarding your use of our services.

You can't transfer your rights under these terms to someone else without our written permission. We can assign our rights and obligations to another entity if we merge, get acquired, or transfer business operations.

16. Updates and Amendments

We'll post the updated version here with a new "Last Updated" date when we change these terms. For significant changes that affect your rights, we'll send an email notification. Continuing to use our services after changes take effect means you accept the new terms.

If you disagree with updated terms, you can close your account. Contact us for information about any applicable refunds based on your remaining course access period.