Terms of Service

These Terms and Conditions ("Terms") govern your access to and use of the Professional Career Club website (professionalcareerclub.com) and all associated services, features, and content (collectively, the "Service"). By registering for an account or using the Service, you agree to be bound by these Terms. If you do not agree, please do not use the Service.

1. Eligibility

You must be at least 18 years of age to use the Service. By using the Service, you represent that you meet this requirement. Professional Career Club is intended for students, candidates, and professionals pursuing globally recognised financial and accounting qualifications, including but not limited to CFA, CPA, ACCA, CA (ICAI), FRM, CFP, and CWM.

2. Account Registration

To access certain features, you must create an account. You agree to:

• Provide accurate, complete, and up-to-date information during registration
• Maintain the security and confidentiality of your account credentials
• Notify us immediately at support@professionalcareerclub.com of any unauthorised use of your account
• Accept responsibility for all activity conducted through your account

We reserve the right to suspend or terminate accounts that violate these Terms or that contain false, misleading, or incomplete information.

3. Free Access & Platform Services

Professional Career Club currently offers the following features at no charge:

• Access to concept-based practice questions for CFA, CPA, ACCA, CA, FRM, CFP, and CWM
• Community forum for discussion, peer support, and knowledge sharing
• Course resource pages with study information and links
• Career articles and professional insights via our blog and news section

We reserve the right to introduce premium features, paid tiers, or subscription services in the future. Any such changes will be communicated clearly in advance, and existing free features will be maintained or transitioned with notice.

4. Intellectual Property

a. Our Content

All content on the platform — including practice questions, course information pages, blog articles, graphics, logos, and software — is the property of Professional Career Club or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, create derivative works from, or commercially exploit any content without our prior written permission.

b. Third-Party Intellectual Property

Professional Career Club is not affiliated with, endorsed by, or approved by CFA Institute, AICPA, ACCA, ICAI, GARP, CFP Board, or any other professional body. Designation names (CFA®, CPA®, ACCA®, FRM®, CFP®, etc.) are registered trademarks of their respective owners. Our practice questions are based on independently developed concept-based content and do not reproduce any curriculum, examination questions, or protected materials from these organisations.

c. User Content

You retain ownership of content you post on the platform (forum posts, comments, resources). By posting content, you grant Professional Career Club a non-exclusive, royalty-free, worldwide licence to display, distribute, and moderate that content for the purpose of operating the Service. You represent that you have all necessary rights to the content you post and that it does not infringe any third-party rights.

5. Acceptable Use

You agree to use the Service in a lawful and respectful manner. The following activities are prohibited:

• Posting, sharing, or transmitting any content that is defamatory, harassing, hateful, discriminatory, threatening, or unlawful
• Reproducing, sharing, or distributing copyrighted exam questions, official curriculum content, or other protected materials from CFA Institute, AICPA, ACCA, ICAI, GARP, or any other body
• Engaging in academic dishonesty, including sharing live exam questions or breaching candidate conduct agreements
• Impersonating any person, organisation, or professional designation
• Spamming, soliciting, or engaging in unsolicited commercial promotion
• Uploading malicious software, scripts, or any content intended to damage or disrupt the platform
• Attempting to gain unauthorised access to any part of the platform, accounts, or backend systems
• Scraping, crawling, or extracting data from the platform using automated tools without written permission
• Using the platform for any purpose that violates applicable laws or regulations

6. Community Standards

Users participating in the forum and community features agree to maintain a respectful, constructive, and professional environment. Detailed expectations are set out in our Community Guidelines (see separate document). Violations may result in content removal, warnings, suspension, or permanent account termination.

7. Disclaimer of Warranties

The Service is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. Professional Career Club makes no warranty that: (a) the Service will be uninterrupted, error-free, or secure; (b) any information on the platform is accurate, complete, current, or reliable; (c) practice questions or resources will ensure success in any examination. We are not responsible for errors, inaccuracies, or interruptions in content. Users are advised to verify information with official examination body resources.

8. Limitation of Liability

To the fullest extent permitted by law, Professional Career Club and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising from your use of or inability to use the Service, even if we have been advised of the possibility of such damages. Our total liability for any claim arising from these Terms shall not exceed the amount you paid us in the 12 months preceding the claim (which, for free users, is zero).

9. Exam Integrity & Professional Conduct

Users of Professional Career Club who are registered candidates for professional examinations (CFA, CPA, ACCA, etc.) remain bound by the conduct rules and candidate agreements of those respective organisations. Professional Career Club does not provide, reproduce, or encourage access to live, confidential, or restricted examination content. Any user found sharing such content will have their account suspended immediately and may be reported to the relevant examination body.

10. Content Accuracy & No Exam Pass Guarantee

Professional Career Club provides concept-based practice materials designed to support learning. We do not warrant that our practice questions reflect the exact format, style, weighting, or difficulty of any official examination. We make no guarantee or representation that use of our platform will result in passing any examination. Official study materials published by the relevant examination bodies should always be the primary source for exam preparation.

11. Account Termination

You may close your account at any time by contacting us at support@professionalcareerclub.com. We reserve the right to suspend or terminate your account at any time, without notice, if you violate these Terms or engage in conduct we deem harmful to the community or platform. Upon termination, your right to use the Service ceases immediately. Certain provisions of these Terms will survive termination.

12. Modifications to the Service

We reserve the right to modify, suspend, or discontinue any part of the Service at any time. We will provide reasonable notice of significant changes where possible. We are not liable to you or any third party for any modification, suspension, or discontinuation of the Service.

13. Changes to These Terms

We may update these Terms from time to time. We will notify you of material changes by updating the 'Last Updated' date and, where appropriate, by sending an email notification. Your continued use of the Service after changes become effective constitutes your acceptance of the revised Terms.

14. Governing Law

These Terms shall be governed by and construed in accordance with applicable law. Any disputes shall be subject to the exclusive jurisdiction of the courts of the relevant jurisdiction in which Professional Career Club is registered. Nothing in these Terms limits your rights as a consumer under applicable local laws.