Terms of Service

1. Who we are

Tempofin is a self-study platform for finance exams, starting with CFA® Level I. It is operated by an individual business owner based in Vietnam (“we”, “us”). We will send you the operator’s legal name, tax code and registered address on request. Contact: hotro@tempofin.study. Our Privacy Policy is at /en/privacy.

2. What Tempofin is, and is not

• Tempofin offers lessons, practice questions, flashcards, a daily study plan, progress tracking, a score estimate and timed mock exams. Which of these you can use depends on your plan (section 5).
• We are independent. CFA Institute does not endorse, promote, or warrant the accuracy or quality of Tempofin. CFA® and Chartered Financial Analyst® are registered trademarks owned by CFA Institute. We use these names only to say which exam our material is for.
• Education only. Everything on Tempofin is for learning. It is not investment, financial, legal, tax or accounting advice, and you should not make investment decisions based on it.
• No promise of results. The score estimate is a statistical estimate shown with a range. It can be wrong. We do not guarantee that you will pass any exam, reach any score, or finish any plan on time.

3. Your account

• You must be at least 18 years old, or the age of legal majority where you live if that is higher.
• Give us accurate information and keep it up to date. We ask for your email, full name and country. In Vietnam we also ask for a mobile phone number and the province and ward where you live.
• A new account must verify its email address. An account not verified within 3 days of sign-up is deleted.
• You are responsible for your password and for what happens under your account. Tell us at once if you think someone else has access.
• The account is for your personal study only. Do not share your sign-in details or let another person use your account.
• You can delete your account at any time from the Account page. See the Privacy Policy for what happens to your data.

4. Free access

Creating an account is free. For the first 7 days a new account can use every feature. After that, the free plan opens 3 new lessons per day (lessons you have already opened stay readable) and does not include practice questions, flashcard scheduling, statistics or the score estimate. We may change how much the free plan includes.

5. Paid plans

• Plans we sell: a one-month trial plan; six-month plans (one with lessons only, one with everything); a twelve-month plan for people who want to learn finance without sitting an exam (lessons only); and one-month extensions for people who have already had a six-month plan. What each plan includes is shown on the Plans page in the app, which is part of these terms.
• Who can buy what: the trial plan can be bought once per account, and only if you have not yet bought another exam plan. Monthly extensions open only after a six-month plan.
• Price and payment: prices are shown in Vietnamese dong on the Plans page. Today we accept only bank transfers in dong to our Vietnamese bank account, using the QR code and transfer reference shown at checkout. We do not yet accept cards or international payments.
• One-off payment, no automatic renewal. You pay once for the period shown. The plan does not renew by itself and we will not charge you again unless you buy again.
• Opening your plan: when your transfer arrives, our system matches it to your order and opens the plan. If the amount or the transfer reference is wrong, or the match fails, we may need to open it by hand — contact us and send the transfer details.
• Period: a plan runs for the period shown and then ends. Paid features then close, and your account returns to the free plan.
• Promotions: a promotional code or timed offer follows the rules shown with it. A countdown offer ends when its timer ends.
• Changes to plans and prices: we may change prices or plans for future purchases. A price change does not affect an order whose amount was already shown to you.
• Refunds: see our Refund Policy.
• Taxes and receipts: the amount shown at checkout is the full amount you pay; we add nothing on top. If you need a receipt for your payment, write to us.

6. Our content and how you may use it

All lessons, questions, explanations, flashcards, formulas, diagrams and the software are written or made by us and belong to us or our licensors. We give you a personal, non-exclusive, non-transferable, revocable licence to use them for your own study while you have access.

You agree not to:

• copy, republish, resell, share or publicly post our lessons, questions, answers or explanations, in whole or in large part, including by screenshot or recording;
• use scripts, bots or AI tools to collect content, or to answer questions for you in bulk;
• work around limits in the service. We limit how fast questions can be answered, and we may slow or pause an account that goes over those limits;
• reverse-engineer, attack, overload or interfere with the service, or try to reach other people’s data;
• use Tempofin to build a competing product or dataset;
• use the service unlawfully, or to harass or mislead anyone, including our support team.

Your content. Notes, flashcards and messages you write remain yours. You give us permission to store and process them to run the service for you. Feedback you send us about the product may be used by us without payment or credit.

7. Mistakes in content

We work to keep material accurate, but errors happen. Use the report button on a question to tell us about one; reports go to a review queue where we mark each one as fixed or rejected. Material is provided “as is” and is not a substitute for the official curriculum and exam rules of the exam body. Check those yourself.

8. Support, including AI

You can ask for help from the Support page in the app or by email. Some replies are written by an AI assistant. They are always labelled as AI, and the assistant cannot refund money, open or withdraw plans, or change accounts. Those matters go to a person.

9. Changes, suspension and ending

• We may add, change or remove features, and the service may be unavailable from time to time.
• You may stop using Tempofin at any time by deleting your account.
• We may suspend or close an account that breaks these terms, or that harms the service or other people. If we close an account for a serious breach, the remaining period of a paid plan is not refunded, unless the law where you live requires it.
• Sections that by their nature should continue after the end of the agreement, such as intellectual property, liability and governing law, continue.

10. Our responsibility

To the extent the law allows, the service is provided “as is” and “as available”, without promises that it will be uninterrupted, error-free or fit for a particular purpose. To the extent the law allows, we are not liable for indirect or consequential loss, lost profits, or the result of any exam, and our total liability to you for any claim is limited to the amount you paid us for the service in the 12 months before the claim.

Nothing in these terms limits liability that cannot be limited by law (for example for fraud or for death or personal injury caused by negligence), or the mandatory consumer rights you have under the law of the country where you live.

11. Complaints and disputes

If something is wrong, write to hotro@tempofin.study with “Complaint” in the subject. We will look into it and aim to reply within 7 business days.

These terms are governed by the laws of Vietnam, and disputes are heard by the competent courts of Vietnam. If you are a consumer living in another country, this does not take away the protection of the mandatory consumer laws of that country, or any right you have to bring a claim in your local courts.

12. Changes to these terms, and languages

We may update these terms. We will post the new version here with its date. If a change is significant, we will ask you to read and accept the new version the next time you sign in. If a Vietnamese translation is provided and the two differ, the English version prevails, unless the law where you live says otherwise.

13. Contact

hotro@tempofin.study