XChange Program - Terms and Conditions

AGREEMENT

1.1 — These Terms and Conditions, together with our Privacy Policy, apply to your participation in the XChange Program ("Program"). By enrolling and using the Program’s services, you agree to be bound by these Terms and Conditions.

1.2 — By registering for the Program, you confirm that you have read and agree to these Terms and Conditions. You are deemed to have accepted and acknowledged these Terms on behalf of any entity or individual for whom you are participating in the Program, whether as a participant, student, or guest.

DEFINITIONS AND INTERPRETATION

2.1 — In these Terms and Conditions, the following terms have the following meanings unless stated otherwise:

  • "Account" means the account you create to use the Program’s services.

  • "Agreement" refers to these Terms and Conditions, as may be amended from time to time.

  • "Program" refers to the XChange financial literacy and trading simulation experience, as detailed in the event description.

  • "Provider IP" refers to all intellectual property owned by XChange and any associated technologies or content.

  • "Participant Data" refers to any information or data provided by participants in the Program, including but not limited to personal information, trading data, and interaction data.

  • "Site" refers to the platform where the XChange Program is offered, including any related mobile and web applications.

  • "Software" means any digital tool or application used in the Program for the purpose of trading simulations, financial education, or other related activities.

PARTICIPATION IN THE PROGRAM

3.1 — Participation in the Program requires you to register by providing a valid email address, selecting a username, and agreeing to these Terms and Conditions.

3.2 — By participating, you acknowledge that the Program is an educational experience and not intended as financial advice or actual investment activity. You agree to use the tools and resources for personal educational purposes only.

ACCESS TO THE PROGRAM

4.1 — To access the Program, you must create an account and provide true, accurate, and current information at the time of registration. You are solely responsible for maintaining the confidentiality of your account information.

4.2 — You agree not to share your account credentials with others and understand that any unauthorized access or misuse of your account may result in suspension or termination of your participation in the Program.

4.3 — We reserve the right to modify, suspend, or discontinue the Program, or any part of it, at any time without prior notice.

USAGE RESTRICTIONS

5.1 — You agree not to engage in unlawful activities, including but not limited to fraud, identity theft, unauthorized access to data, or malicious activities within the Program platform.

5.2 — You may not reverse engineer, copy, modify, distribute, or sell any part of the Program or its underlying software without prior written permission from XChange.

5.3 — Any data you submit as part of the Program will remain your property; however, you grant XChange a perpetual, non-exclusive, worldwide license to use such data to improve the Program or conduct research.

FEES AND PAYMENT

6.1 — Some portions of the Program may involve fees, which will be outlined on the Program's pricing page. By participating, you agree to pay any applicable fees as set forth at the time of registration.

6.2 — Payment processing services are handled through third-party providers, such as Stripe. By using the Program, you agree to be bound by the terms of service of those providers.

6.3 — You will not be charged any fees unless explicitly stated on the Program platform.

INTELLECTUAL PROPERTY

7.1 — All intellectual property rights in the Program, including its software, content, and designs, are owned by XChange or its licensors. Nothing in these Terms grants you ownership rights to any of the Program’s intellectual property.

7.2 — You retain ownership of any data or content you submit to the Program, but you grant XChange the right to use that data for the purposes of improving the Program.

PRIVACY AND DATA USAGE

8.1 — We value your privacy and will handle your personal data in accordance with our Privacy Policy. By participating in the Program, you consent to the collection, use, and storage of your data as described in the Privacy Policy.

8.2 — Your Participant Data may be used to enhance the educational experience, improve the Program, and provide insights. It may also be used for marketing and promotional purposes, unless you opt out.

LIABILITY AND INDEMNITY

9.1 — XChange will not be liable for any direct or indirect losses or damages arising out of your participation in the Program, including but not limited to any financial losses, missed opportunities, or data inaccuracies.

9.2 — You agree to indemnify and hold XChange harmless from any claims, losses, damages, or expenses arising from your breach of these Terms or misuse of the Program.

TERMINATION AND SUSPENSION

10.1 — XChange reserves the right to terminate or suspend your participation in the Program at any time if you violate these Terms and Conditions or engage in fraudulent or illegal activities.

10.2 — You may terminate your participation in the Program at any time by notifying us in writing. Upon termination, you will not be entitled to a refund of any fees paid.

SUPPORT AND COMMUNICATION

11.1 — Support for the Program is available via our designated support channels. We will provide assistance as needed, but do not guarantee immediate response times.

11.2 — All communications related to the Program should be directed to our support team at support@xchange.com.

GENERAL

12.1 — These Terms and Conditions may be updated or modified by XChange at any time, and such changes will be effective upon posting on the Program’s platform.

12.2 — These Terms and Conditions, together with the Privacy Policy, constitute the entire agreement between you and XChange with respect to the Program. If any provision is found to be unenforceable, the remainder of the agreement will continue in full force and effect.

12.3 — These Terms and Conditions are governed by the laws of [insert jurisdiction], and any disputes will be resolved through binding arbitration in that jurisdiction.