DRAFT, 12 November 2026. To be reviewed by a lawyer before the site takes payments.
Terms of Service
These terms apply when you use The Future Market Academy ("the Academy", "we"), based in Ontario, Canada. By creating an account or buying full access you agree to them.
1. What you get
- Free: the first lesson of every course, the News Center, the Vocabulary Hall and a free account.
- Full access (one payment of $49 + tax in Canadian dollars, or ₱799 + tax for learners in the Philippines; any tax is shown on the checkout page before you pay): every lesson, level, exam and certificate on the Academy for as long as the Academy runs. "Lifetime" means the lifetime of the Academy, not forever no matter what.
- Courses can change: we update facts, add courses and sometimes remove or replace a course.
2. Your account
- One account per person. Keep your password private. Do not share your account.
- You must give true details. If you are under the age of majority where you live, a parent or guardian must agree to these terms for you.
3. Refunds
If full access is not right for you, ask for a refund within 14 days of payment using the Feedback button (choose "Something else"). We refund the full amount to the original payment method. Refunds may take several business days to appear.
4. Education only
Courses are for general education. They are not financial, investment, legal, tax, medical or other professional advice, and they do not promise any income or result. Rules differ by country and change over time: check your own government's official information or a licensed professional before acting. Certificates show course completion; they are not accredited qualifications.
5. Fair use of the Academy
- The courses, videos, pictures and text are ours or used with permission. You may use them for your own learning. Do not copy, resell or publish them.
- Do not try to break, overload or get around the Academy's security, or collect other people's information.
- We may close accounts that break these terms.
6. Our responsibility
We work hard to keep facts correct and the site running, but we cannot promise that everything is always error-free or available. To the extent the law allows, our total responsibility to you is limited to the amount you paid us. Nothing here limits rights you have under consumer protection law where you live.
7. Privacy
How we handle your details is explained in our Privacy Notice.
8. Changes and contact
We may update these terms; the date at the top shows the latest version. Questions: use the Feedback button on any page. These terms are governed by the laws of Ontario and Canada, without taking away consumer rights you have in your own country.