TERMS OF USE

Providence Compliance Continuing Education Program

Effective Date: October 24, 2025

Last Updated: February 4, 2026

1. ACCEPTANCE OF TERMS

These Terms of Use ("Terms") govern your access to and use of the Providence Compliance continuing education website and services (the "Services"). Providence Compliance ("we," "us," or "our") is a NASAA-approved continuing education provider for Investment Adviser Representatives (IARs).

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

2. ELIGIBILITY AND REGISTRATION

2.1 Eligibility

Our Services are available to Investment Adviser Representatives who meet continuing education requirements. You must be at least 18 years old to use our Services.

2.2 Account Registration

To access courses, you must create an account and provide accurate, complete information including:

By registering for and accessing courses, you affirm that you are the individual completing the coursework and any associated assessments, and you acknowledge that fraudulent representation of identity or course completion may result in disqualification from credit and reporting to regulatory authorities.

We reserve the right to request additional verification of your identity or credentials at any time to ensure compliance with these Terms and regulatory requirements.

2.3 Account Responsibilities

You are responsible for:

Account sharing is strictly prohibited. Each user must have their own individual account. Violation may result in account termination and invalidation of course credits.

3. COURSE ENROLLMENT AND ACCESS

3.1 Course Enrollment

Course enrollment is subject to:

We reserve the right to reject enrollments or cancel registrations at our discretion.

3.2 Course Access

Upon enrollment and payment, you receive a non-exclusive, non-transferable, revocable license to access course materials for the duration specified at enrollment. Course access periods vary by course and are clearly stated at the time of purchase.

3.3 Course Completion Requirements

To receive credit and a certificate of completion, you must:

4. PAYMENT TERMS

4.1 Fees and Payment

Course fees are stated at the time of enrollment. Payment is due at registration unless otherwise specified. We accept major credit cards and other payment methods as indicated on our website.

4.2 Refund Policy

Refund requests must be submitted in writing to [email protected].

4.3 Pricing Changes

We reserve the right to change course fees at any time. Price changes do not affect courses already purchased.

5. CERTIFICATES AND REPORTING

5.1 Certificate Issuance

Upon successful course completion, we will issue an electronic certificate of completion. 

5.2 Regulatory Reporting

We report course completions to:

You are responsible for ensuring reported information is accurate and for maintaining your own records.

6. INTELLECTUAL PROPERTY RIGHTS

6.1 Our Content

All course materials, content, software, designs, graphics, text, audio, video, trademarks, and logos (collectively, "Content") are owned by Providence Compliance or our licensors and protected by copyright, trademark, and other intellectual property laws.

6.2 License Restrictions

You may not:

6.3 Limited Personal Use

You may not print or download Content for your personal educational use in connection with your enrolled courses.

7. USER CONDUCT AND ACADEMIC INTEGRITY

7.1 Prohibited Conduct

You agree not to:

7.2 Academic Integrity

You must complete all coursework and examinations independently without unauthorized assistance. Violations include:

7.3 Consequences of Violations

Violations may result in:

8. CONTENT ACCURACY AND UPDATES

8.1 Content Accuracy

We strive to provide accurate, current information. However:

8.2 Updates and Changes

We may update, modify, or discontinue courses, Content, or features at any time without notice. We have no obligation to update previously completed courses.

9. DISCLAIMERS AND LIMITATIONS OF LIABILITY

9.1 Service Availability

We strive for continuous availability but do not guarantee uninterrupted or error-free access. Services may be temporarily unavailable due to maintenance, technical issues, or circumstances beyond our control.

9.2 Disclaimer of Warranties

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR COURSE OF PERFORMANCE.

We do not warrant that:

9.3 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, PROVIDENCE COMPLIANCE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST DATA, OR BUSINESS INTERRUPTION, ARISING FROM YOUR USE OF OR INABILITY TO USE OUR SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING FROM THESE TERMS OR YOUR USE OF OUR SERVICES SHALL NOT EXCEED THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

Some jurisdictions do not allow limitations on implied warranties or liability for consequential damages, so the above limitations may not apply to you.

10. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless Providence Compliance, its affiliates, officers, directors, employees, and agents from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from:

11. TERMINATION

11.1 By You

You may terminate your account at any time by contacting us. Termination does not entitle you to refunds for completed or partially completed courses.

11.2 By Us

We may suspend or terminate your account immediately, without notice, if you:

11.3 Effect of Termination

Upon termination:

12. REGULATORY COMPLIANCE

12.1 NASAA Approval

Providence Compliance is a NASAA-approved IAR continuing education provider. Our courses meet NASAA guidelines for Investment Adviser Representative continuing education requirements.

12.2 State Requirements

Continuing education requirements vary by state. You are responsible for:

12.3 Changes to Regulatory Status

If our NASAA approval status changes or courses become ineligible for credit in your jurisdiction, we will notify affected users promptly.

13. DISPUTE RESOLUTION

13.1 Governing Law

These Terms are governed by the laws of Florida, without regard to conflict of law principles.

13.2 Arbitration Agreement

Any dispute arising from these Terms or your use of our Services shall be resolved through binding arbitration in accordance with the Commercial Arbitration Rules of the American Arbitration Association, except:

Arbitration will be conducted in Jacksonville, FL. Each party bears their own costs and fees. The arbitrator's decision is final and binding.

13.3 Class Action Waiver

You agree to bring claims only in your individual capacity and not as part of any class, consolidated, or representative action. Class arbitrations and class actions are not permitted.

13.4 Exceptions

This arbitration provision does not apply if you opt out within 30 days of accepting these Terms by sending written notice to 6625 Argyle Forest Blvd.; Suite 4/#1207; Jacksonville, FL 32244.

14. GENERAL PROVISIONS

14.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Providence Compliance regarding our Services.

14.2 Modifications

We may modify these Terms at any time by posting updated Terms with a new "Last Updated" date. Material changes will be communicated via email or website notice. Your continued use after changes constitutes acceptance.

14.3 Severability

If any provision is found unenforceable, the remaining provisions remain in full effect.

14.4 Waiver

Our failure to enforce any right or provision does not constitute a waiver of that right or provision.

14.5 Assignment

You may not assign or transfer these Terms. We may assign our rights and obligations without restriction.

14.6 No Third-Party Beneficiaries

These Terms do not create any third-party beneficiary rights.

14.7 Force Majeure

We are not liable for delays or failures due to circumstances beyond our reasonable control, including natural disasters, technical failures, cyberattacks, or government actions.

14.8 Contact for Legal Notices

Legal notices must be sent to:

Providence Compliance
 6625 Argyle Forest Blvd.

Suite 4/#1207
 Jacksonville, FL 32244
 Email: [email protected]

15. CONTACT INFORMATION

For questions about these Terms, please contact us:

Providence Compliance
Email: [email protected]
Phone: 904-737-0388
Website: www.providence-compliance.com

By using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.