Terms of Service - Portfolio Pro

Terms Scope and Compliance

These Terms of Service govern your use of Portfolio Pro's educational platform and services. By accessing our website or engaging with our content, you agree to comply with these terms and applicable advertising platform policies.

We maintain compliance with Google Ads, Facebook/Meta, and Microsoft Advertising policies to ensure transparent and ethical marketing practices. These terms establish clear expectations for user conduct and our service delivery standards.

Advertising and Marketing Terms

Data Collection for Advertising

Consent Requirements: We obtain explicit consent before placing advertising cookies or collecting behavioral data for marketing purposes

Data Types: We collect page views, form interactions, course interests, and professional demographics for educational content targeting

Third-Party Networks: Data may be shared with Google, Facebook, Microsoft, and other approved advertising partners

Cross-Device Tracking: We may link activity across devices to provide consistent educational experiences

Advertising Targeting Practices

Interest-Based Advertising

• Portfolio management and investment education interests
• Professional finance and education categories
• Behavioral targeting based on content engagement
• Lookalike audience creation for similar professionals

Remarketing Activities

• Course page visitors retargeting campaigns
• Form abandonment follow-up sequences
• Educational content engagement tracking
• Geographic and demographic optimization

Marketing Communications

Email Marketing Consent

Users must provide explicit consent for educational newsletters and course updates. Unsubscribe options are provided in all communications.

Social Media Advertising

Educational content promotion on professional networks following platform-specific advertising guidelines and audience targeting policies.

Content Marketing Disclosure

All sponsored educational content and affiliate relationships are clearly disclosed in compliance with FTC guidelines.

User Obligations and Prohibited Uses

General User Obligations

Accurate Information

Provide truthful and current information in all forms and communications

Age Requirements

Minimum age of 16 for advertising consent, 18 for contractual agreements

Professional Conduct

Maintain respectful interactions and professional communication standards

Legal Compliance

Comply with all applicable laws and regulations in your jurisdiction

Prohibited Activities

Advertising Fraud

Click fraud, bot traffic, or artificial engagement with ads

System Interference

Circumventing tracking systems or manipulating metrics

Data Harvesting

Scraping, automated data collection, or unauthorized access

Malicious Content

Spam, malware, or harmful code distribution

Platform-Specific Compliance

Google Ads Policies Compliance

Prohibited Content Standards

Content Restrictions

• No misleading educational claims
• Accurate course descriptions and pricing
• Professional, relevant content only
• Compliance with educational advertising standards

Technical Requirements

• Functional landing pages with clear navigation
• Accurate tracking implementation
• Mobile-responsive design compliance
• Fast loading times and accessibility

EU User Consent Policy

Full compliance with GDPR requirements including transparent consent mechanisms, clear cookie policies, and user control options for all EU residents.

Facebook/Meta Advertising Policies

Community Standards

• Authentic identity and professional representation
• Respectful educational content promotion
• No discriminatory targeting practices
• Privacy-compliant data usage

Data Use Restrictions

• Custom audience terms compliance
• Facebook Pixel usage guidelines
• Proper event tracking implementation
• Audience overlap and frequency management

Business Verification

Educational services verification for enhanced ad account features and compliance with Meta's business authentication requirements.

Microsoft/Bing Ads Policies

Content Policies

• Educational content accuracy standards
• Professional grammar and spelling requirements
• Clear value proposition for learners
• Compliance with editorial guidelines

Landing Page Requirements

• Relevance to advertised educational content
• Clear contact information and transparency
• Functional forms and user interactions
• Privacy policy and terms accessibility

Geographic Restrictions

Compliance with country-specific advertising laws and educational marketing regulations in targeted regions.

Liability and Disclaimers

Advertising-Related Disclaimers

No Advertising Results Guarantee

We do not guarantee specific outcomes from advertising campaigns, course enrollments, or learning results

Third-Party Platform Availability

Advertising platform availability, policies, and features may change without notice affecting campaign performance

External Factors

Market conditions, competition, and external factors beyond our control may influence advertising effectiveness

Limitation of Liability

• No liability for third-party platform issues or outages
• Limited liability for data breaches beyond our control
• No guarantee of ad delivery or specific placements
• Exclusion of consequential or indirect damages
• Liability limited to fees paid for services

Indemnification

• Users indemnify us for advertising law violations
• Protection from third-party claims related to user content
• Coverage for non-compliant advertising practices
• Intellectual property dispute protection
• Legal costs and damages coverage

Legal Information and Dispute Resolution

Governing Law

Applicable Jurisdiction

These terms are governed by the laws of the Netherlands and European Union regulations

Venue for Disputes

Legal proceedings shall be conducted in appropriate Netherlands courts

Language of Proceedings

All legal proceedings and documentation shall be in English or Dutch

Dispute Resolution

Informal Resolution

Initial attempt at resolution through direct communication and negotiation

Mediation Process

Good faith mediation before formal legal proceedings

Legal Remedy

Court proceedings as final resort for unresolved disputes

Service Modifications and Updates

Changes to Advertising Services

• Platform integration modifications with advance notice
• Tracking technology updates for improved accuracy
• Consent mechanism changes following legal requirements
• New advertising features and targeting options
• Service discontinuation with reasonable transition period

Terms Update Policy

• Material changes communicated via website notice
• Continued use constitutes acceptance of updated terms
• Right to terminate agreement upon significant changes
• Version history maintenance for transparency
• Regular review and updates for compliance