Last Updated: January 1, 2026
Effective Date: January 1, 2026
By accessing and using the Progressium website and services, you accept and agree to be bound by the terms and provision of this agreement. These Terms of Service ("Terms") constitute a legally binding agreement between you and Progressium LLC ("Company," "we," "us," or "our"). If you do not agree to abide by the above, please do not use this service.
Progressium LLC is a limited liability company registered in Ireland with registration number 2701117AB. Our registered office is located at Pearse Street 14, Cork, T87 7752, Munster, Ireland. Our VAT number is IE2012517A.
Progressium provides personal finance education and guidance services primarily for beginners. Our services include but are not limited to financial planning consultations, budget planning assistance, savings strategies, investment education, and debt management guidance. All services are provided for educational and informational purposes.
By using our services, you agree to:
The information and guidance provided by Progressium are for educational purposes only and should not be considered as personalized financial advice suitable for your specific situation without proper consultation. We are not licensed financial advisors, and our services do not constitute investment advice, tax advice, or legal advice. You should consult with qualified professionals before making any financial decisions. Past performance does not guarantee future results, and all investments carry risk of loss.
Payment for services is due as specified in your service agreement. We accept various payment methods as indicated on our website. All fees are non-refundable unless otherwise stated in writing. Prices are subject to change with reasonable notice. You are responsible for any applicable taxes, duties, or fees related to your use of our services.
All content on the Progressium website, including but not limited to text, graphics, logos, images, audio clips, digital downloads, data compilations, and software, is the property of Progressium LLC or its content suppliers and is protected by international copyright laws. The compilation of all content on this site is the exclusive property of Progressium and is protected by international copyright laws. You may not reproduce, distribute, display, or create derivative works from any content without our express written permission.
Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you consent to the collection and use of your information as described in our Privacy Policy.
To the fullest extent permitted by applicable law, Progressium LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from your use of our services. Our total liability to you for any claims arising from your use of our services shall not exceed the amount you paid to us for services in the twelve months preceding the claim.
You agree to indemnify, defend, and hold harmless Progressium LLC, its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney's fees) arising from your use of our services, your violation of these Terms, or your violation of any third-party rights.
These Terms shall be governed by and construed in accordance with the laws of Ireland, without regard to its conflict of law principles. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of Ireland. If you are a consumer resident in the European Union, you may also bring proceedings in the courts of your country of residence.
In the event of any dispute, claim, or controversy arising from or relating to these Terms or our services, the parties agree to first attempt to resolve the matter through good faith negotiations. If such negotiations fail, disputes may be resolved through mediation or arbitration as agreed upon by both parties, or through the appropriate courts as specified in the Governing Law section.
We may terminate or suspend your access to our services immediately, without prior notice or liability, for any reason, including but not limited to breach of these Terms. You may terminate your use of our services at any time by discontinuing use of our website and services. Upon termination, your right to use our services will cease immediately, but the provisions of these Terms that by their nature should survive termination shall remain in effect.
Progressium reserves the right to modify these Terms at any time. We will provide notice of material changes by posting the updated Terms on our website and updating the "Last Updated" date. Your continued use of our services after such modifications constitutes acceptance of the updated Terms. It is your responsibility to review these Terms periodically for changes.
If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that the remaining Terms will otherwise remain in full force and effect and enforceable.
These Terms, together with our Privacy Policy and any other legal notices published by us on our website, constitute the entire agreement between you and Progressium concerning your use of our services and supersede all prior or contemporaneous communications and proposals, whether electronic, oral, or written.
If you have any questions about these Terms of Service, please contact us:
Progressium shall not be liable for any failure to perform its obligations under these Terms due to circumstances beyond its reasonable control, including but not limited to acts of God, war, terrorism, pandemic, government regulations, natural disasters, or other force majeure events.
By using our services, you consent to receive communications from us electronically, including via email or by posting notices on our website. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.