Terms and Conditions

1. Introduction

These Terms and Conditions ("Terms") govern your use of the website, online services, and programs (collectively, the "Services") offered by Triple Fff Inc ("Triple Fff", "we", "us", or "our").

By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, you should not use our website or Services.

Triple Fff Inc is a nonprofit organization that provides free and low-cost financial education, tools, and group programs.

• Legal name: Triple Fff Inc
• Registration: NY Reg #49-04-40
• Federal Tax ID (EIN): 35-2674960
• Address: 1280 Saint Johns Pl, Brooklyn, NY 11213, United States
• Contact email: l.williams@triplefff.org

This document is provided for general informational purposes and does not constitute legal advice. If you need legal advice, please consult a qualified attorney.

2. Definitions

For the purposes of these Terms:

• "Services" means the Triple Fff website, online platforms, educational content, workshops, toolkits, programs, and any other services we provide.
• "User", "you", or "your" means any person accessing or using our Services.
• "Content" means all text, graphics, videos, guides, tools, and other materials made available through the Services.

3. Acceptance of These Terms

By accessing, browsing, or using our Services in any way, you acknowledge that you have read, understood, and agree to be bound by these Terms and any additional terms and policies referenced in them, including our Privacy Policy.

If you are using the Services on behalf of an organization or employer, you represent that you are authorized to accept these Terms on their behalf.

4. Eligibility and User Responsibilities

To use our Services, you agree that you will:

• Use the Services only for lawful, non-commercial, and educational purposes;
• Provide accurate and complete information when requested (for example, on forms or registrations);
• Not use the Services in a way that violates any applicable law or regulation;
• Not attempt to gain unauthorized access to any part of the Services or related systems;
• Not interfere with or disrupt the normal operation of the Services.

5. Educational Content Only (No Professional Advice)

The information provided by Triple Fff, including all workshops, toolkits, articles, and other Content, is for general educational purposes only.

It is not:

• Personalized financial advice;
• Investment advice or a recommendation to buy, sell, or hold any security or financial product;
• Legal, tax, or accounting advice;
• A substitute for consultation with licensed professionals.

You are solely responsible for any financial, investment, or other decisions you make. We strongly encourage you to seek advice from a qualified financial advisor, tax professional, or attorney before making major financial or legal decisions.

6. No Financial Product Sales or Management

Triple Fff Inc does not sell financial products, does not manage investment accounts, and does not receive commissions or referral fees from financial institutions.

Any references to financial products (such as mutual funds, bank accounts, or investments) are strictly for educational purposes and should not be interpreted as endorsements or solicitations.

7. Program Registration and Participation

When you register for a workshop, program, or event, you may be asked to provide certain information (such as your name, email address, and areas of interest).

You agree that:

• All information you provide will be accurate and up to date;
• You will not register or attempt to register on behalf of another person without their consent;
• You will follow any additional guidelines or rules provided for specific programs.

We reserve the right to modify, reschedule, or cancel programs at our discretion. If we do so, we will make reasonable efforts to notify registered participants using the contact information provided.

8. Online Accounts and Security (if applicable)

If we provide user accounts or logins as part of our Services, you are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account.

You agree to:

• Notify us promptly if you become aware of any unauthorized access or use of your account;
• Not share your password or login details with others;
• Use a secure password and take reasonable precautions to protect your account.

9. Acceptable Use

You agree not to use the Services to engage in any conduct that, in our reasonable judgment, is harmful, illegal, or inappropriate. This includes, but is not limited to:

• Harassing, threatening, or abusing others;
• Posting or transmitting content that is unlawful, defamatory, obscene, or discriminatory;
• Attempting to upload or transmit viruses, malware, or other harmful code;
• Collecting information about other users without their consent;
• Using the Services for commercial solicitation, advertising, or spam.

We reserve the right, but are not obligated, to monitor use of the Services and to suspend or terminate access if we believe these Terms have been violated.

10. Intellectual Property

Unless otherwise stated, all Content on our website and in our programs—including text, graphics, logos, icons, images, video, and educational materials—is owned by or licensed to Triple Fff Inc and is protected by copyright and other intellectual property laws.

You may:

• View, download, or print Content for your personal, non-commercial, educational use; and
• Share our public educational materials with proper attribution, as long as you do not modify them or remove notices.

You may not:

• Republish, distribute, or sell our Content for commercial purposes;
• Claim our Content as your own original work;
• Use our name, logo, or branding in any way that suggests endorsement without our prior written consent.

11. User Content

If you submit or share any content with us (such as feedback, comments, testimonials, or materials), you represent that you have the right to do so and that such content does not infringe the rights of any third party.

By submitting content, you grant Triple Fff Inc a non-exclusive, royalty-free, worldwide license to use, reproduce, display, and distribute that content for our nonprofit purposes (for example, to highlight program impact or improve our Services), subject to any separate agreements we may have with you.

12. Third-Party Services and Links

Our Services may contain links to third-party websites, platforms, or tools (for example, registration systems, video platforms, or financial education resources) that are not owned or controlled by Triple Fff Inc.

We are not responsible for the content, privacy practices, or security of these third-party services. Your use of any third-party site or service is at your own risk and subject to that third party’s own terms and policies.

13. Donations

From time to time, Triple Fff Inc may accept voluntary donations to support our nonprofit mission. Any information related to donations will be handled in accordance with our Privacy Policy and any additional terms provided on donation pages.

Unless expressly stated, donations are non-refundable to the fullest extent permitted by law. Nothing in these Terms changes your rights under applicable charitable solicitation or consumer protection laws.

14. Disclaimers

The Services and all Content are provided on an "as is" and "as available" basis, without warranties of any kind, whether express or implied.

To the fullest extent permitted by law, Triple Fff Inc disclaims all warranties, including but not limited to:

• Implied warranties of merchantability, fitness for a particular purpose, and non-infringement;
• Any warranties that the Services will be uninterrupted, error-free, secure, or free of harmful components;
• Any warranties regarding the accuracy, completeness, or reliability of the Content.

Educational content may discuss financial topics and examples. We do not guarantee any specific financial, investment, or other outcomes.

15. Limitation of Liability

To the fullest extent permitted by law, Triple Fff Inc, its directors, officers, employees, volunteers, and agents shall not be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages, including but not limited to lost profits, loss of data, or other losses, arising out of or related to:

• Your use of or inability to use the Services;
• Any decisions you make based on information from the Services;
• Any unauthorized access to or use of our systems or your information.

In any case, our total liability for any claim arising out of or relating to the Services or these Terms shall be limited to the amount, if any, you paid to us for the specific service giving rise to the claim, or one hundred (100) U.S. dollars, whichever is greater.

Some jurisdictions do not allow limitations on certain damages; in those cases, the above limitations may not fully apply to you and shall be limited to the minimum permitted by law.

16. Indemnification

You agree to indemnify, defend, and hold harmless Triple Fff Inc and its directors, officers, employees, volunteers, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or in connection with:

• Your use or misuse of the Services;
• Your violation of these Terms;
• Your violation of any rights of another person or entity.

17. Changes to the Services

We may modify, suspend, or discontinue any part of the Services at any time, with or without notice, including the availability of any Content, programs, or features.

We are not liable to you or any third party for any modification, price change (if applicable), suspension, or discontinuance of the Services.

18. Changes to These Terms

We may update these Terms from time to time. When we do, we will revise the "Last updated" date at the top of this page. In some cases, we may provide additional notice (for example, by posting a notice on our website or sending an email).

Your continued use of the Services after changes have been posted means you accept the updated Terms. If you do not agree with the changes, you should stop using the Services.

19. Governing Law and Dispute Resolution

These Terms and any dispute arising out of or related to them or the Services shall be governed by and construed in accordance with the laws of the State of New York, United States, without regard to its conflict of law principles.

You agree that any legal action or proceeding relating to the Services or these Terms shall be brought exclusively in the state or federal courts located in New York, and you consent to the jurisdiction of such courts.

Before filing any claim, we encourage you to contact us to see if the issue can be resolved informally.

20. Contact Information

If you have any questions about these Terms or our Services, please contact us:

Triple Fff Inc
1280 Saint Johns Pl
Brooklyn, NY 11213
United States

Email: l.williams@triplefff.org