Effective Date: February 6, 2026
These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Spero Studios, LLC, doing business as Financial Freedom U ("Company," "we," "us," or "our"). By accessing or using our website, courses, content, tools, community features, or any related services (collectively, the "Platform"), you acknowledge that you have read, understood, and agree to be bound by these Terms in their entirety. If you do not agree to these Terms, you must immediately discontinue use of the Platform.
We reserve the right to modify these Terms at any time. Continued use of the Platform following any modification constitutes your acceptance of the revised Terms. It is your responsibility to review these Terms periodically.
The Platform provides financial education content, including but not limited to online courses, articles, newsletters, community discussions, and related educational materials. The Platform also facilitates access to complimentary introductory sessions with independent, registered Certified Financial Planners ("CFPs") who are licensed professionals operating under their own fiduciary duty.
The Company is not a registered investment adviser, broker-dealer, financial planner, or financial institution. The Company does not provide personalized investment advice, tax advice, legal advice, or any form of individualized financial planning. All content on the Platform is for general educational and informational purposes only.
All information, content, courses, tools, calculators, and materials provided through the Platform are strictly educational in nature. Nothing on this Platform should be construed as personalized financial advice, investment advice, tax advice, legal advice, or a recommendation to buy, sell, or hold any security, insurance product, or financial instrument.
You acknowledge and agree that any financial decisions you make are made entirely at your own risk and discretion. The Company expressly disclaims any responsibility for the outcomes of any financial decisions, investments, purchases, or actions you take based on information obtained through the Platform. Past performance of any strategy, investment, or method discussed on the Platform is not indicative of future results.
You should always consult with a qualified, licensed financial professional before making any financial decisions. The Company strongly encourages you to seek independent professional advice tailored to your specific financial situation.
The Platform may facilitate introductory sessions between Users and independent, registered CFPs or other licensed financial professionals ("Advisors"). These Advisors are independent contractors and are not employees, agents, or representatives of the Company. The Company does not control, endorse, or guarantee any advice, recommendations, products, or services provided by these Advisors.
Any products, services, or financial instruments that an Advisor may offer or recommend during or after a session are solely between you and the Advisor. The Company receives no commission, referral fee, or compensation from any product or service an Advisor may offer you, unless explicitly disclosed otherwise in writing.
You acknowledge that the Company is not responsible or liable for any advice, recommendations, actions, omissions, products, or services provided by any Advisor. Any engagement with an Advisor is at your sole risk, and you agree to hold the Company harmless from any claims arising from such engagement.
You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to provide accurate, current, and complete information during registration and to update such information as necessary.
You agree not to: (a) share, resell, redistribute, or reproduce any paid course content or proprietary materials; (b) use the Platform for any unlawful purpose; (c) attempt to gain unauthorized access to any part of the Platform; (d) impersonate any person or entity; (e) use automated systems to access the Platform without our written consent; or (f) engage in any conduct that could damage, disable, or impair the Platform.
All content on the Platform, including but not limited to text, graphics, logos, images, videos, audio, course materials, curricula, software, and design elements, is the exclusive property of Spero Studios, LLC or its licensors and is protected by United States and international copyright, trademark, and intellectual property laws.
You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Platform and its content for your personal, non-commercial educational purposes only. Any unauthorized reproduction, distribution, modification, public display, or commercial exploitation of any content is strictly prohibited and may result in immediate termination of your account and legal action.
Certain courses and features on the Platform require payment. All fees are stated in U.S. dollars and are non-refundable unless otherwise specified in writing at the time of purchase. By purchasing a course or subscription, you authorize the Company to charge your designated payment method for the applicable fees.
The Company reserves the right to change pricing at any time. Price changes will not affect purchases already completed. If a refund policy is offered for a specific product, the terms of that refund policy will be stated on the product's purchase page and will govern.
The Platform and all content, materials, information, courses, tools, and services are provided on an "as is" and "as available" basis without warranties of any kind, whether express, implied, statutory, or otherwise. The Company expressly disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, completeness, reliability, and any warranties arising from course of dealing or usage of trade.
The Company does not warrant that: (a) the Platform will be uninterrupted, timely, secure, or error-free; (b) the results obtained from the Platform will be accurate, reliable, or meet your expectations; (c) any content will produce specific financial outcomes; or (d) any defects will be corrected.
To the maximum extent permitted by applicable law, Spero Studios, LLC, its officers, directors, members, managers, employees, agents, affiliates, successors, and assigns (collectively, the "Company Parties") shall not be liable to you or any third party for any indirect, incidental, special, consequential, punitive, or exemplary damages, including but not limited to damages for loss of profits, revenue, goodwill, data, or other intangible losses, regardless of whether such damages are based on contract, tort, negligence, strict liability, or any other legal theory, and regardless of whether the Company Parties have been advised of the possibility of such damages.
In no event shall the aggregate liability of the Company Parties for any and all claims arising out of or related to these Terms or your use of the Platform exceed the greater of: (a) the total amount you have paid to the Company in the twelve (12) months immediately preceding the event giving rise to the claim; or (b) one hundred U.S. dollars ($100.00).
You specifically acknowledge and agree that the Company Parties shall have no liability whatsoever for any financial losses, investment losses, tax penalties, or adverse financial outcomes resulting from your reliance on any content, education, or information provided through the Platform.
You expressly acknowledge and agree that your use of the Platform and any reliance on the educational content provided is entirely at your own risk. Financial decisions involve inherent risks, including the potential loss of principal. The Company makes no guarantees regarding the performance of any investment strategy, debt reduction method, income generation technique, or wealth-building approach discussed on the Platform.
You assume full responsibility for evaluating the accuracy, completeness, and usefulness of any information, opinion, advice, or other content available through the Platform.
You agree to indemnify, defend, and hold harmless the Company Parties from and against any and all claims, demands, actions, suits, proceedings, losses, damages, liabilities, costs, and expenses (including reasonable attorneys' fees and court costs) arising out of or related to: (a) your use of or access to the Platform; (b) your violation of these Terms; (c) your violation of any third-party rights; (d) any financial decisions you make based on content from the Platform; (e) any dispute between you and a third-party Advisor; or (f) any content you submit, post, or transmit through the Platform.
Any dispute, claim, or controversy arising out of or relating to these Terms, the Platform, or any services provided by the Company, including the determination of the scope or applicability of this agreement to arbitrate, shall be resolved exclusively through binding arbitration administered by the American Arbitration Association ("AAA") in accordance with its Commercial Arbitration Rules. The arbitration shall be conducted by a single arbitrator.
The arbitration shall take place in the state where Spero Studios, LLC maintains its principal place of business, or at another location mutually agreed upon by the parties. The arbitrator's decision shall be final and binding, and judgment on the award may be entered in any court of competent jurisdiction.
You agree that any arbitration shall be conducted on an individual basis and not as a class action, collective action, or representative action. You expressly waive any right to participate in a class action lawsuit or class-wide arbitration against the Company.
Notwithstanding the foregoing, the Company retains the right to seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of the Company's intellectual property rights or confidential information.
You and the Company agree that any proceedings to resolve disputes will be conducted solely on an individual basis. You waive any right to bring or participate in any class action, collective action, mass action, or representative proceeding against the Company. This class action waiver is an essential part of this arbitration agreement and cannot be severed from it.
These Terms shall be governed by and construed in accordance with the laws of the State in which Spero Studios, LLC is organized, without regard to its conflict of law provisions. To the extent that litigation is permitted under these Terms, you consent to the exclusive jurisdiction and venue of the state and federal courts located in the State in which Spero Studios, LLC maintains its principal place of business.
The Company reserves the right to suspend or terminate your access to the Platform at any time, for any reason or no reason, with or without notice. Upon termination, your right to use the Platform will immediately cease. All provisions of these Terms that by their nature should survive termination shall survive, including but not limited to intellectual property provisions, disclaimers, limitations of liability, indemnification, and arbitration provisions.
If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court or arbitrator of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable, or if modification is not possible, shall be severed from these Terms. The invalidity or unenforceability of any provision shall not affect the validity or enforceability of the remaining provisions, which shall continue in full force and effect.
These Terms, together with our Privacy Policy and any additional terms or policies referenced herein, constitute the entire agreement between you and the Company regarding your use of the Platform and supersede all prior and contemporaneous agreements, representations, and understandings, whether written or oral.
If you have any questions regarding these Terms, please contact us at:
Spero Studios, LLC
DBA: Financial Freedom U
Email: [email protected]