Terms & Conditions


IMPORTANT – THIS END USER AGREEMENT (“TERMS” OR “AGREEMENT”) GOVERNS THE RELATIONSHIP BETWEEN US WHETHER YOU ARE ACCESSING, USING, PLACING AN ORDER, ACCESSING COURSE CURRICULUM AND MATERIALS, OR MAKING A TRANSACTION THROUGH OUR WEBSITE OR USING OUR SERVICES. THESE TERMS CONTAIN DISCLAIMERS OF WARRANTIES AND LIMITATIONS OF LIABILITIES (SEE SECTIONS 17 AND 18). THESE TERMS FORM AN ESSENTIAL BASIS OF OUR AGREEMENT. PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS. EFX University LLC (“EFX University,” “EFXU,” “we,” “our,” “us”) provides you with access to the EFX University including its applications and websites, and your use of the website, including any sub-domains thereof, affiliated websites (“collectively, the “Website”), course curriculum and materials, and mobile applications (collectively, the “Services”), which are owned and maintained by EFX University, are governed by the policies, terms, and conditions set forth below. Please read our terms carefully. We offer the Services, including all information, tools, products, and services available to you, the user, conditioned upon your acceptance of all terms, conditions, policies, and notices stated here. By accessing, using, placing an order, accessing course curriculum and materials, making a transaction over the Website, or otherwise using the Services, you agree to the terms set forth herein. If you do not agree to these terms and conditions in their entirety, you are not authorized to use the Services in any manner or form whatsoever. By accessing and/or using the Services, including the Website, you agree to be bound by these Terms as a “Subscriber,” meaning you have registered an account with EFX University for a User ID and User Password (defined below), and have enrolled in and paid for access to Services and any other content provided by us. You may not access or use the Services if you do not agree to these Terms. Your ability to use the Services is expressly conditioned upon your assent to these Terms and your pre-payment of the applicable course fees outlined in Section 5 below.


You can review the most current version of the Terms at any time on this page ( We reserve the right to update, change, or replace any part of these Terms by posting updates and/or changes to our Website. It is your responsibility to check this page periodically for changes. YOUR CONTINUED USE OF OR ACCESS TO THE WEBSITE FOLLOWING THE POSTING OF ANY CHANGES CONSTITUTES BINDING ACCEPTANCE OF THOSE CHANGES.



1. Services Use

By agreeing to these Terms, accessing the Services, and using the Website, you represent that you are at least the age of majority in your state or province of residence. You affirm that you have the legal capacity to enter into a binding contract with us, have read this Agreement, and understand and agree to its terms.

2. Privacy and Security Disclosure

EFX University’s Privacy Policy may be viewed at The Privacy Policy is incorporated into these Terms by reference and constitutes a part of these Terms.

3. EFX University Risk Disclosure Agreement

EFX University’s Risk Disclosure Policy may be viewed at The Risk Disclosure Policy is incorporated into these Terms by reference and constitutes a part of these Terms.

4. General Conditions and User Conduct Restrictions

All aspects of our Services, including our Website, are protected by U.S. and international copyright, trademark, and other intellectual property laws. You do not acquire any ownership or other rights by downloading or using any of our Services, including the Website, or any enclosed material . You agree not to use or attempt to use the Services in any unlawful manner. You further agree not to commit any unlawful act or attempt to commit any unlawful act on or through the Website including, but not limited to: (1) hacking and other digital or physical attacks on the Website; (2) publishing vulgar, obscene, or defamatory material; (3) reproducing, duplicating, copying, selling, reselling or exploiting for any commercial purposes any portion of our Services other than as expressly permitted under these Terms; (4) use any high volume, automated, or electronic means to access the Services (including without limitation robots, spiders or scripts); (5) falsely state, impersonate, or otherwise misrepresent your identity; or (5) any other unlawful act. 

5. The EFX University Trading Accelerator and Coaching Program

The EFX University Trading Accelerator and Coaching Program is an immersive experience delivered in a detailed and advanced 8-week curriculum that will accelerate your trading, no matter at what level you’re starting. It’s an organized curriculum with structured weeks that you can compete at your own pace. You get a lifetime access to the course material and are not limited to completing the program in an 8-week timeframe. Should you enroll in the program, you’ll have access to the detailed course material and curriculum along with six (6) months of access to the private community where you may ask questions and engage in discussion with other students, as well as attend live coaching and training sessions.
The course curriculum includes, but is not limited to educational materials such as: anatomy of smart money concepts, the road that lays ahead, initializing, fundamentals first, switching to the new model, setting up your trading business (trade journal, market biofeedback, trade plan, tracking, EAs and other indicators), the trading math, trade management, capital management, account scaling, back-testing, casino owner mentality, DMO/workflow, stages of evolution, process for completing a funding challenge, account growth, monk-like discipline, etc.

Your success will be measured by successful completion of each week’s modules and homework, application of information on demo/funding challenge accounts, and attendance and participation on Q&A calls. The end goal of this educational program is for you to be completely unrecognizable as a trader, and to be perfectly positioned to succeed.

License to Use the Services

By enrolling in the EFX University Trading Accelerator and Coaching Program, and subject to your compliance with these Terms, EFX University grants you a freely revocable, worldwide, non-exclusive, non-transferable, non-sublicensable limited right and license (a) to access, internally use and display the Services at your location solely as necessary to participate in them as permitted by these Terms, and (b) to download and utilize any content for your personal use only and not in contravention of these Terms. This content includes, but is not limited to on-line lectures, speeches, video lessons, quizzes, presentation materials, homework assignments, programming assignments, programs, code, and other images, text, layouts, arrangements, displays, illustrations, documents, materials, audio and video clips, HTML and files which remain the property of EFX University and/or its affiliates or licensors.

Termination of the Services

You agree that we may, in our sole discretion, deactivate your account or otherwise terminate your Services for any reason including, without limitation, if you have breached these Terms. EFX University may terminate your Services without prior notice and we are not liable for any termination of your Services. You agree and acknowledge that EFX University may retain and store any content or information you provided notwithstanding termination of your Services.

6. No Investment Advice or Professional Advice 

EFX University does not provide personalized investment advice or execute trades on your behalf. None of EFX University’s Services are intended to provide tax, legal, insurance, or investment advice. None of the content provided or through any of EFX University’s Services should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security by EFX University or any third party. You alone are solely responsible for determining whether any investment, security or strategy, or any other product or service, is appropriate or suitable for you based on your investment objectives and personal and financial situation. You should consult a registered investment advisor, attorney, or tax professional regarding your particular financial situation, investing strategies, or specific legal or tax situation.
To the extent that any of the content we publish as part of our Services may be deemed to be investment advice or recommendations in connection with a particular security, such information is impersonal and not tailored to the investment needs of any specific person. You understand that an investment in any security is subject to a number of risks and that discussions of any security published via our Services will not contain a list or description of relevant risk factors.

You understand that performance data is supplied by sources believed to be reliable, that the calculations that may be provided to you when using our Services are made using such data, and that such calculations are not guaranteed by these sources, the information providers, or any other person or entity, and may not be complete.

From time to time, our Services may reference prior articles and opinions that we have published. These references may be selective, may reference only a portion of an article or opinion, and are likely not to be current. As markets change continuously, previously published information and data may not be current and should not be relied upon.

All content published and made available to you as part of our Services is presented only as of the date published or indicated and may be superseded by subsequent market events or for other reasons. In addition, you are responsible for setting the cache settings on your browser to ensure you are receiving the most recent data 

7. Securities & Investing Disclosure

Foreign exchange trading has large potential rewards, but also large potential risk. You must be aware of the risks and be willing to accept them in order to invest in foreign exchange. Don’t trade with money you can’t afford to lose. EFX University does not represent that any account will or is likely to achieve profits or losses similar to those that may be discussed or highlighted on our Website or while using our Services. The past performance of any trading system or methodology is not necessarily indicative of future results. All trades, patterns, charts, systems, etc., that may be discussed or highlighted on the Website while using our Services are for illustrative purposes only and not to be construed as specific advisory recommendations. Information provided to you while using our Services is intended for informational purposes only

8. Education Disclosure

EFX University is a privately-owned for profit company. It is not, and is not affiliated with any, educational institutions, universities, or other accredited entities. EFX University does not register students, does not offer accredited courses or programs of study, and does not grant a degree or diploma upon completion of our programming. As such, EFX University does not intend to provide, or purport to provide, in any way, education, course materials, or training that is required by any law or employer, and is not intended nor implied to be a substitute for education provided by an accredited entity. You assume full responsibility for how you choose to use the information provided by EFX University. EFX University does not provide any guarantee regarding the amount of success students could or will have trading FOREX, nor any guarantee regarding ability to get or create jobs upon completion of our programs.

9. Modifications to the Website and Prices

We reserve the right to modify or discontinue access to the Website (or any part or content thereof) without notice at any time. We shall not be liable to you or to any third party for any modification, suspension, or discontinuance of access to the Website. Certain products or services may be available exclusively online through the Website. Furthermore, you acknowledge that our Services may not be available at all times,and that certain usage limits may apply. You acknowledge that we may, at our sole discretion, limit, suspend, or terminate your use of all Services and may modify or discontinue all Services at any time.

All descriptions of Services and their pricing are subject to change at any time without notice, at our sole discretion. Any offer for any Services made on this Website is void where prohibited.

10. Account Registration

In order to access the Services, including the Website and any online courses or communities, you will be required to create an account. By creating this account, you agree to the following:
  • You may only maintain a single account;
  • You must select a login identification (“User ID”) and a password (“User Password”);
  • ​You may never share your account username or password or knowingly provide or authorize access to your account;
  • ​You may never use another user’s account without permission;
  • ​When creating your account, you must provide accurate and complete information;
  • ​You are solely responsible for the activity that occurs on your account, and you must keep your account password secure;
  • ​You must notify us immediately of any breach of security or unauthorized use of your account; and
  • ​You will be liable for any use made of your account or password and the losses of EFX University or others due to such unauthorized use. We will not be liable for your losses caused by any unauthorized use of your account.
EFX University has the right, in its sole discretion, to cancel your Services or suspend your access to them, including the Website if you fail to comply with these and any other Terms herein.. 

11. User Communications

By enrolling in EFX University Trading Accelerator and Coaching Program and accessing the Services, you expressly consent to receive electronically all communications, agreements, documents, notices and disclosures (“Notices'') that we provide in connection with your account and your use of the Services. Notices may, without limitation, take the form of electronic mail, in-app messages, and in-Website communications. Additionally, Notices may take the form of electronic mail containing promotional, marketing, and advertising information and recommendations that we believe may be of interest to you. If you do not wish to receive such promotional emails, you may unsubscribe at any time by following the instructions within, and EFX University will honor any requests to unsubscribe within 30 days.
12. Order Placement and Acceptance

Your electronic order confirmation, or any form of confirmation, does not signify our acceptance of your order. We reserve the right to accept or deny anyone’s order for any reason. In the event we deny your order, you will receive a refund to your original form of payment. You understand and agree that we will not be liable for any losses or damages that may result from our refusal to provide you any Services. We reserve the right to require additional information before processing any order.
13. Refunds

All sales are final, and EFX University does not offer any money-back guarantees. Nor does EFX University offer refunds in the event we, in our sole discretion, suspend, limit, or terminate your access to the Services, or some or all of the Services altogether. You recognize and agree that you shall not be entitled to a refund for any purchase under any circumstances. EFX University does not cover any losses you may incur as a result of your trading practices. EFX University possesses no knowledge regarding the amount of money you invest or your risk tolerance.The money you spend to access and use the EFX University community cannot be refunded. EFX University has no responsibility for the money you make or lose as a result of any financial or investing decisions you make at your own discretion. You are solely responsible for understanding and appreciating the inherent risks associated with trading before using EFX University services or accessing our community. 
14. Payment

All charges are in U.S. Dollars. By submitting payment information to us, you represent and agree that: (i) you are fully authorized to use that card or account; (ii) all payment information provided is complete and accurate; (iii) you will be responsible for any payment card fees; and (iv) that sufficient funds exist to pay us the amount(s) due.

We and our third-party payment service providers may request, and we may receive, updated credit card information from your credit card issuer, such as updated card numbers and expiration date information when your credit card has expired. If such updated information is provided to us and our third-party payment service providers, we will update your account information accordingly. Your credit card issuer may give you the right to opt-out of providing vendors and third-party payment service providers with your updated credit card information. If you wish to opt-out of your credit card’s updating service, you should contact your credit card issuer.

We are not responsible for any fees or charges that your bank or credit card issuer may apply. If your bank or credit card issuer reverses a charge to your credit card, we may bill you directly and seek payment by another method including a mailed statement.
15. Social Media

This section applies to everyone who interacts with our social media presence, including comment sections, feeds, and other elements of social media presence viewable on Facebook, Instagram, YouTube, Pinterest, Twitter, Google+, LinkedIn, or any of the many other available external third-party social media platforms we may use (“Social Media Presence”).

The sites and platforms that host our Social Media Presence are not controlled by us and therefore have their own privacy policies and terms of use. The comments and opinions expressed by users on social media are theirs alone and do not reflect the opinions of EFX University, and we have no obligation to monitor or remove user comments. If you see an offensive or inappropriate post or comment on our Social Media Presence, you should report it to the operator of the applicable site or platform using the procedures they have established for that purpose.
16. Digital Millennium Copyright Notice

Our Services maintain specific contact information provided below, including an email address, for notifications of claimed infringement regarding materials posted to our Website or via our Services. All notices should be addressed to the following contact person:

Notification of Claimed Infringement:

EFX University, LLC
Attn: DMCA/Copyright Agent
8325 US HWY 70, Suite A
Clayton, NC 27520
Tel: 919-348-2510

You may contact our agent for notice of claimed infringement specified above with complaints regarding allegedly infringing posted material and we will investigate those complaints. If the posted material is believed in good faith by us to violate any applicable law, we will remove or disable access to any such material, and we will notify the posting party that the material has been blocked or removed.

In notifying us of alleged copyright infringement, the Digital Millennium Copyright Act requires that you include the following information: (i) description of the copyrighted work that is the subject of claimed infringement; (ii) description of the infringing material and information sufficient to permit us to locate the alleged material; (iii) contact information for you, including your address, telephone number and/or email address; (iv) a statement by you that you have a good faith belief that the material in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (v) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (vi) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owner’s behalf. Failure to include all of the above-listed information may result in the delay of the processing of your complaint.


Except Where Prohibited By Law, All Services Provided Are Provided On An “as Is'', “as Available” Basis Without Warranties Of Any Kind, Either Express Or Implied, Including But Not Limited To Warranties Of Title Or Implied Warranties Of Merchantability Or Fitness For A Particular Purpose. We Make No, And Expressly Disclaim Any And All, Representations And Warranties As To The Reliability, Timeliness, Quality, Suitability, Availability, Accuracy And/or Completeness Of Any Information Provided Through Our Services. We Do Not Represent Or Warrant, And Expressly Disclaim That: (a) Our Products, Services, Information, Or Other Material Purchased Or Obtained From Efx University Will Meet Your Requirements Or Expectations, Or (b) The Website Or The Server(s) That Make The Services Available Are Free Of Viruses Or Other Harmful Components. All Conditions, Representations And Warranties, Whether Express, Implied, Statutory Or Otherwise, Including, Without Limitation, Any Implied Warranty Of Merchantability, Fitness For A Particular Purpose, Or Non Infringement Of Third-party Rights, Are Hereby Disclaimed To The Maximum Extent Permitted By Applicable Law.


Except Where Prohibited By Law, In No Event Shall Efx University Or Any Of Its Officers, Directors, Shareholders, Employees, Independent Contractors, And/or Agents Be Liable For Any Indirect, Special, Incidental, Exemplary, Consequential, Punitive, Or Any Other Damages, Fees, Costs Or Claims Arising From Or Related To This Agreement, The Privacy Policy, The Services, Or Your Or A Third-party’s Use Or Attempted Use Of The Services, Regardless Of Whether Efx University Has Had Notice Of The Possibility Of Such Damages, Fees, Costs, Or Claims. This Includes, Without Limitation, Any Loss Of Use, Loss Of Profits, Loss Of Data, Loss Of Goodwill, Cost Of Procurement Of Substitute Services, Or Any Other Indirect, Special, Incidental, Punitive, Consequential, Or Other Damages. This Applies Regardless Of The Manner In Which Damages Are Allegedly Caused, And On Any Theory Of Liability, Whether For Breach Of Contract, Tort (including Negligence And Strict Liability), Warranty, Or Otherwise. If, Notwithstanding The Limitations Of Liability Set Forth Above, Efx University Is Found Liable Under Any Theory, Efx University’s Liability And Your Exclusive Remedy Will Be Limited To Usd $500.00. This Limitation Of Liability Shall Apply For All Claims, Regardless Of Whether Efx University Was Aware Of Or Advised In Advance Of The Possibility Of Damages Or Such Claims. Some States Do Not Allow The Exclusion Of Certain Warranties, So Some Of The Above Exclusions May Not Apply To You And You May Have Additional Rights.


Please Read This Arbitration And Class Action Waiver Provision Carefully. It Requires You To Arbitrate Disputes With Efx University On An Individual Basis And Limits The Manner In Which You Can Seek Relief From Us.

Except Where Prohibited By Law, You Agree That Any Claim That You May Have In The Future Must Be Resolved Through Final And Binding Confidential Arbitration. You Acknowledge And Agree That You Are Waiving The Right To A Trial By Jury. The Rights That You Would Have If You Went To Court, Such As Discovery Or The Right To Appeal, May Be More Limited Or May Not Exist. You Agree That You May Only Bring A Claim In Your Individual Capacity And Not As A Plaintiff (lead Or Otherwise) Or Class Member In Any Purported Class Or Representative Proceeding Or As A Private Attorney General. You Further Agree That The Arbitrator May Not Consolidate Proceedings Or Claims Or Otherwise Preside Over Any Form Of A Representative Or Class Proceeding.

There Is No Judge Or Jury In Arbitration, And Court Review Of An Arbitration Award Is Limited. However, An Arbitrator Can Award On An Individual Basis The Same Damages And Relief As A Court (including Injunctive And Declaratory Relief Or Statutory Damages), And Must Follow The Terms Of These Conditions Of Use As A Court Would.

a. General

Arbitration is a manner of resolving a “Claim” without filing a lawsuit. “Claim” means any dispute between you, EFX University, or any involved third-party relating to your account, your use of the Services, your relationship with EFX University, these Terms, or the Privacy Policy. This includes any and all claims that relate in any way to your use or attempted use of theServices, and any act or omission by EFX University or any third-party related to your use or attempted use of the Services, and any communications from EFX University or any third party on EFX University’s behalf. You, EFX University, or any involved third-party may pursue a Claim. EFX University agrees to final and binding confidential arbitration should it have any Claims against you. Likewise, you agree to final and binding confidential arbitration should you have any Claims against EFX University. By agreeing to arbitrate, you waive the right to go to court and agree instead to submit any Claims to final and binding confidential arbitration. You further agree that all claims must be arbitrated on an individual basis and not on a class basis, only individual relief is available, and that claims of more than one customer cannot be arbitrated or consolidated with those of any other customer. This arbitration provision sets forth the terms and conditions of our agreement to final and binding confidential arbitration and is governed by and enforceable under the Federal Arbitration Act (the “FAA”), 9 U.S.C. §§ 1-16, as amended.

Notwithstanding anything to the contrary herein, (a) a representative action for public injunctive relief pursuant to California’s Consumer Legal Remedies Act (Cal. Civ. Code § 1750 et seq.), Unfair Competition Law (Cal. Bus. & Prof. Code § 17200 et seq.) and/or False Advertising Law (Cal. Bus. & Prof. Code § 17500 et seq.) must be arbitrated on a class basis, (b) in the event that the foregoing clause is deemed invalid or unenforceable, a representative action for public injunctive relief pursuant to California’s Consumer Legal Remedies Act (Cal. Civ. Code § 1750 et seq.), Unfair Competition Law (Cal. Bus. & Prof. Code § 17200 et seq.) and/or False Advertising Law (Cal. Bus. & Prof. Code § 17500 et seq.) may be brought in the state or federal courts located in North Carolina on a class basis, and (c) any claims other than for public injunctive relief must be arbitrated on an individual, non-class basis as otherwise set forth in this section.

b. Exceptions

Notwithstanding the foregoing, and as an exception to final and binding confidential arbitration, you and EFX University both retain the right to pursue, in small claims court, any claim that is within that court’s jurisdiction and proceeds on an individual (non-class) basis, including overdue account matters within the small claims court’s jurisdiction. EFX University will not demand arbitration in connection with any individual claim that you properly file and pursue in a small claims court, so long as the claim is and remains pending in that court.

The following claims shall not be subject to final and binding arbitration and must be adjudicated only in the state or federal courts located in North Carolina: (i) an action by EFX University relating to the infringement or validity of our proprietary rights, including without limitation, trademarks, service marks, trade dress, copyrights, trade secrets, or patents; or (ii) an action by EFX University for temporary, preliminary, or permanent injunctive relief, whether prohibitive or mandatory, or other provisional relief, against you for breach or threatened breach of this Agreement. You expressly agree to refrain from bringing or joining any claims that are excluded from final and binding arbitration pursuant to this subsection “b” in any representative or class-wide capacity, including but not limited to bringing or joining any claims in any class action or any class-wide arbitration. Small claims matters may be filed in any small claims court with personal and subject matter jurisdiction over the parties. For all other matters excluded from final and binding arbitration by this subsection “b,” the parties consent to exclusive jurisdiction and venue in the state and federal courts located in North Carolina, and forever waive any challenge to said courts’ jurisdiction and venue.

c. Required Pre-Dispute Procedures

Before initiating any Claim against the other, you and we agree to first contact the other with a written description of the dispute, which shall include all relevant documents and information, and the proposed resolution. You may send the written description of any dispute you have with us by certified mail to EFX University, Attn: Legal Department, 8325 US BUS 70, Suite A, Clayton, North Carolina 27520. EFX University will contact you by letter at the billing address you provided to us or at the email address you provided to us. You agree to negotiate with EFX University or its designated representative in good faith about your problem or dispute. If for some reason the dispute is not resolved within 60 days after receipt of the written dispute, we agree to the dispute resolution provisions herein.

d. Commencing Arbitration

You and EFX University agree to commence any arbitration proceeding within one (1) year after the Claim arises (the one-year period includes the required pre-dispute procedures set forth above) and that any arbitration proceeding commenced after one (1) year shall be forever barred.

e. Arbitration Location

If the amount in controversy is $500 or less, then the arbitration may be conducted by telephone or by written submissions. Otherwise, the arbitration shall be conducted in North Carolina unless EFX University otherwise agrees to arbitrate in another forum requested by you.

f. Organization, Rules and the Arbitrator

We each agree that any and all Claims other than those exempted under subsection “b” above shall be submitted to final and binding confidential arbitration before a single arbitrator of the American Arbitration Association (“AAA”). Either party may commence the arbitration process by submitting a written demand for arbitration with the AAA, and providing a copy to the other party, within the time period set forth in subsection “d” above. The arbitrator shall be selected by agreement of the parties or, if the parties cannot agree, chosen in accordance with Rules of the AAA, Consumer Arbitration Rules, in effect at the time of submission of the demand for arbitration. The AAA’s Rules are available at or by calling 1-800-778-7879. The arbitrator shall have the exclusive and sole authority to resolve any dispute relating to the interpretation, construction, validity, applicability, or enforceability of these Terms, the Privacy Policy, and this arbitration provision. The arbitrator shall have the exclusive and sole authority to determine whether any dispute or Claim is arbitrable. The arbitrator shall have the exclusive and sole authority to determine whether this arbitration agreement can be enforced against a non-signatory to this agreement and whether a non-signatory to this agreement can enforce this provision against you or EFX University.

g. Fees

Payment of all filing, administration and arbitrator fees will be governed by the AAA’s Rules.

h. Governing Law and Award

The arbitrator shall follow the substantive law of the State of North Carolina without regard to its conflicts of laws principles. Any award rendered shall include a confidential written opinion and shall be final, subject to appeal under the FAA. Judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction.

i. Enforceability

This provision survives termination of your account or relationship with EFX University, bankruptcy, assignment, or transfer. If the class action waiver is deemed unenforceable (i.e., unenforceability would allow arbitration to proceed as a class or representative action), then this entire arbitration provision shall be rendered null and void and shall not apply. If a portion of this arbitration provision (other than the class action waiver) is deemed unenforceable, the remaining portions of this arbitration provision shall remain in full force and effect.

j. Miscellaneous

Failure or any delay in enforcing this arbitration provision in connection with any particular Claim will not constitute a waiver of any rights to require arbitration at a later time or in connection with any other Claims except all Claims must be brought within the 1 year limitation period set forth above. This provision is the entire arbitration agreement between you and EFX University and shall not be modified except in writing by EFX University.

k. Amendments

EFX University reserves the right to amend this arbitration provision at any time. Your continued use of the Services, purchase of any Service on or through the Website, or use or attempted use of a EFX University Service, constitutes your consent to such changes.

You Understand And Agree To Have Any Claims Decided Individually And Only Through Binding, Final, And Confidential Arbitration. You Have The Right To Opt-out Of This Arbitration Provision Within Thirty (30) Days From The Date That You Purchase, Use, Or Attempt To Use A Service Purchased On Or Through The Website (whichever Comes First) By Writing To Us Via Certified Mail At Efx University, Attn: Legal Department, 8325 Us Bus 70, Suite A, Clayton, North Carolina 27520. For Your Opt-out To Be Effective, You Must Submit A Signed Written Notice Identifying Any Service You Purchased, Used Or Attempted To Use Within The 30 Days And The Date You First Purchased, Used Or Attempted To Use The Service. If More Than Thirty (30) Days Have Passed, You Are Not Eligible To Opt Out Of This Provision And You Must Pursue Your Claim Through Binding Arbitration As Set Forth In This Agreement.

20. Indemnification

To the fullest extent permitted by law, you agree to indemnify, defend, and hold harmless EFX University, its parent, subsidiaries, predecessors, successors and affiliates, and their respective partners, officers, directors, agents, representatives, contractors, licensors, service providers, subcontractors, suppliers, interns, and employees, from and against any and all claims, actions, losses, liabilities, damages, expenses, demands and costs of any kind, including, but not limited to, reasonable attorneys’ fees, arising out of, resulting from, or in any way connected with or related to (1) your breach of these Terms, the documents they incorporate by reference, or the Agreement; (2) your breach of any representations or warranties in this Agreement; or (3) your violation of any law or the rights of a third-party.
21. Third-Party Websites and Links

Our Website may include materials from third-parties or links to third-party websites. We are not liable for any third-party materials or websites. Please review carefully the third-party’s policies and practices and make sure you understand them before you engage in any transaction. Complaints, claims, concerns, or questions regarding third-party products or services should be directed to the applicable third-party. 
22. Testimonials, Reviews, and Other User Content and Submissions

Anything that you submit or post to the Website and/or provide us, including without limitation, photographs, testimonials, ideas, know-how, techniques, questions, reviews, comments, testimonials, and suggestions, whether directly to the Website or in user discussions (collectively, “Submissions”) is and will be treated as non-confidential and nonproprietary, and we shall have the right to use, copy, distribute, display, publish, perform, sell, lease, transmit, adapt, and create derivative works from such Submissions by any means and in any form, and to translate, modify, reverse-engineer, disassemble, or decompile such Submissions. You represent and warrant that you are the owner or have sufficient rights to share the Submissions with us, and you take full responsibility for its accuracy and completeness. EFX University does not guarantee anyone’s success or that anyone will earn/experience the results that are portrayed via its Services. The testimonials and reviews portrayed on EFXU’s Website are exceptional results from our most successful users. These testimonials do not represent the generally expected user experience, nor do they guarantee future success.

Furthermore, by using any of the communications tools available as part of our Services, you acknowledge and agree that (a) all communications tools constitute public, and not private, means of communication between you and the other party or parties, (b) communications sent to or received from third party service providers or other third parties are not endorsed, sponsored or approved by EFX University in any manner (unless expressly stated otherwise by EFX University) and (c) communications are not pre-reviewed, post- reviewed, screened, archived or otherwise monitored by EFX University in any manner, though EFX University reserves the right to do so at any time at its sole discretion in accordance with these Terms. Additionally, through such communication tools, EFX University may make certain types of services available to you. You acknowledge and agree that such services (e.g., chat room services) may be monitored or recorded for quality control purposes and that the information or material provided as part of the services is provided for educational purposes only.

EFX University reserves the right to correct grammatical and typing errors, to shorten Submissions prior to publication or use, and to review all Submissions prior to publication or use. EFX University shall be under no obligation to use any, or any part of, any Submission.

23. Electronic Communications 

You agree that we may communicate electronically with you and that such communications, as well as notices, disclosures, agreements, and other communications that we provide to you electronically, are equivalent to communications in writing and shall have the same force and effect as if they were in writing and signed by the party sending the communication.

24. Assignment 

You may not assign any of your rights under these Terms, and any such attempt will be null and void. EFX University and its affiliates may, in their individual discretion, transfer, without further consent or notification, all contractual rights and obligations pursuant to these Terms if some or all of EFX University’s business is transferred to another entity by way of merger, sale of its assets or otherwise.

25. No Waiver 

No waiver by EFX University of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure by EFX University to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.

26. Severability

In the event that any provision of these Terms is determined to be unlawful, void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms. Such determination shall not affect the validity and enforceability of any other remaining provisions.

27. Termination

In the event that we terminate this Agreement, Sections 1-28, as well as any representations, warranties, and other obligations made or taken by you, shall survive the termination of this Agreement.

28. Entire Agreement 

These Terms and the Agreement, constitute the entire agreement and understanding between you and EFX University, and supersedes and replaces any prior or contemporaneous agreements. Any ambiguities in the interpretation of these Terms or the Agreement shall not be construed against the drafting party.

29. Questions or Additional Information

If you have any questions regarding your account, any Service, or these Terms, please contact our customer support team by phone, mail, or email at the following:

EFX University, LLC
7868 US 70 Hwy W Clayton, NC 27520
Tel: +1 919-348-2510


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