The agreement between you and Globefin — what we offer, what we ask of you, and the limits of both.
These Terms of Use ("Terms") govern your access to and use of globefin.org and everything on it — the lessons, classes, data, laws, directory, resources, careers, vocabulary, and review tools (together, the "Service").
Globefin is a creative, educational, and research project founded by Shane Hadden and operated by Library B Development Corporation, a Kentucky non-profit corporation ("Globefin", "we", "us", "our").
By using the Service — whether or not you create an account — you agree to these Terms. If you do not agree, please do not use the Service. Our Privacy Policy is incorporated into these Terms by reference.
The short version. Globefin is a free educational resource about how the world designs finance. It teaches; it does not advise. Our content is AI-drafted and expert-reviewed, and it can still contain errors — check anything that matters before you rely on it. The lessons are openly licensed: take them, teach with them, adapt them, even commercially — just credit us and say what you changed. In return, use the site honestly, use your real name, and don't post things that aren't yours.
You must be at least 16 years old to create a Globefin account. By creating one, you represent that you are. The lessons are freely readable without an account.
You must also be legally capable of entering into a binding contract, and not barred from using the Service under the laws of your country or any applicable sanctions regime.
Accounts are free. When you create one:
You may close your account at any time. See the Privacy Policy for what happens to your data when you do.
Globefin provides financial education for general informational purposes only. Nothing on the Service is financial, investment, tax, accounting, legal, or professional advice, and nothing on it is a recommendation to buy, sell, or hold any security, instrument, or asset.
We are not a bank, broker-dealer, investment adviser, financial adviser, law firm, or accounting firm, and we are not registered, licensed, or authorised as any of those in any jurisdiction. No adviser–client, attorney–client, or fiduciary relationship is created by your use of the Service.
This matters especially because of what Globefin teaches. The whole premise of the site is that the questions are universal but the answers are local: insolvency, governance, lending, taxation, and licensing rules differ profoundly between jurisdictions, and they change. A description of how something works in one country is not guidance about your country, and a description of how something worked when a lesson was written is not a statement of what the law is today.
Before acting on anything you learn here — particularly anything touching money, tax, regulation, licensing, or the law — consult a qualified professional licensed in your own jurisdiction. Our Licensing pillar teaches the concepts behind professional credentials; it does not confer any credential, qualification, licence, or accreditation, and completing lessons or quizzes does not certify you to do anything.
We are open about how Globefin is built. Our lessons are initially drafted with the help of large language models and then fact-checked and edited by our finance experts. This is what makes our comparative, global scope possible — no single team could research and write with authority across every jurisdiction at once.
It also means you should hold the content to the standard it deserves:
Every lesson carries a built-in review tool, and we would rather hear about an error than not. Running a page through independent AI models to surface problems, and sending us the ones worth keeping, is an intended and welcome use of the Service. It does not, however, transfer to you any right to the underlying lesson text, and the outputs of those third-party models are theirs and subject to their terms, not ours.
Please do not enter confidential or personal information into the review tool — anything you type there is transmitted to a third-party AI provider.
You agree not to:
"Your Content" means anything you submit to the Service — profile information, corrections and suggestions through the review tool, directory listings, class contributions, and messages.
You keep ownership of Your Content. You grant Globefin a worldwide, non-exclusive, royalty-free, sublicensable, perpetual, irrevocable licence to host, store, reproduce, adapt, publish, translate, and distribute Your Content for the purposes of operating, improving, and promoting the Service — including incorporating an accepted correction into a lesson.
This licence is necessary and deliberate: if you tell us a lesson is wrong and we fix the lesson, the fix becomes part of the lesson, and we need to be able to keep publishing it. You agree we are under no obligation to credit you (though we may).
Contributions become part of an openly licensed work. Because our lessons are published under CC BY 4.0 (see section 8), any correction, suggestion, or other contribution you make that we incorporate into a lesson will be released to the public under that same CC BY 4.0 licence, and may be freely reused by anyone. Please do not submit anything you are not willing to see openly licensed. If you contribute material you did not write, it must be material you have the right to release on these terms.
You represent and warrant that Your Content is yours to give — that you own it or have the rights to it, and that it does not infringe anyone else's rights or breach any duty of confidence you owe.
We may review, edit, refuse, or remove Your Content at our discretion, but we are not obliged to monitor it, and we do not endorse it. Content posted by other users is theirs, not ours.
If you believe content on Globefin infringes your copyright, write to admin@globefin.org identifying the work, the material you say infringes it and where it sits on the site, your contact details, and a statement that you have a good-faith belief the use is unauthorised and that your notice is accurate. We will investigate and remove infringing material where appropriate, and we may terminate the accounts of repeat infringers.
Globefin is an open educational project. Rather than locking the curriculum away, we release it under two permissive licences.
The lessons, classes, case studies, exam questions, and accompanying materials are licensed under Creative Commons Attribution 4.0 International (CC BY 4.0).
Under that licence you are free to share and adapt this material for any purpose, including commercially — teach from it, translate it, remix it, build on it — provided you:
A suggested citation appears in the footer of every page. Educators in particular: you do not need to ask our permission to use Globefin with a class — the licence already grants it. We would love to hear about it anyway.
The source code of this site is released under the MIT License.
The open licences above do not grant you rights in:
The licences are grants of copyright permission only. They come with no warranty of any kind, and they do not displace sections 13 and 14 below — in particular, reusing a lesson does not make us responsible for what you or your readers then do with it.
Where you join a class, an instructor may be able to see the progress and quiz results of enrolled participants. Where you list yourself in the Directory, your listing may be publicly visible and indexable by search engines.
Globefin does not vet, verify, endorse, or vouch for the credentials, claims, or conduct of any user, instructor, institution, or organisation appearing on the Service. Any interaction, arrangement, or transaction you enter into with another user is solely between you and them, and at your own risk. Exercise the same judgement you would anywhere else — and be especially careful of anyone who contacts you through Globefin to solicit money, investment, or account credentials. We will never ask you for your financial account details.
The Service links to and integrates third-party resources — including the independent AI models available through the review tool, and external sources cited in lessons. We do not control them, we are not responsible for them, and their inclusion is not an endorsement. Your use of a third-party service is governed by that party's own terms and privacy policy.
Globefin is a growing project: we add tracks, revise lessons, retire material, and change features. We may modify, suspend, or discontinue any part of the Service at any time, with or without notice. We do not guarantee that any lesson, track, or feature will remain available, or that the Service will be uninterrupted or error-free.
The Service is provided free of charge. We reserve the right to introduce paid features in future; if we do, we will make clear what is paid and what remains free, and these Terms will be updated accordingly.
We may suspend or terminate your account and your access to the Service, with or without notice, if you breach these Terms, if we reasonably believe your use harms Globefin or other users, or if required by law. Where it is reasonable to do so, we will tell you why and give you a chance to put things right.
You may stop using the Service and close your account at any time. Sections 4, 5, 7, 8, and 13 to 18 survive termination.
The Service is provided "as is" and "as available", without warranty of any kind. To the fullest extent permitted by law, Globefin disclaims all warranties, express or implied, including any implied warranties of merchantability, fitness for a particular purpose, non-infringement, and any warranty arising from course of dealing or usage of trade.
Without limiting that, we do not warrant that the content is accurate, complete, current, or applicable to your jurisdiction, that the Service will be uninterrupted, secure, or error-free, or that defects will be corrected. As set out in section 5, our content is AI-assisted and expert-reviewed, and errors may remain.
Some jurisdictions do not allow the exclusion of certain warranties, so some of these exclusions may not apply to you. Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for anything else that cannot lawfully be excluded.
To the fullest extent permitted by law, Globefin and its operators, editors, contributors, and suppliers will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, or business opportunity, arising out of or in connection with your use of, or inability to use, the Service — whether in contract, tort (including negligence), or otherwise, and whether or not we were advised of the possibility.
In particular, and without limitation, we are not liable for any financial, investment, tax, regulatory, professional, or legal decision you make, or refrain from making, on the basis of anything you read on Globefin. The Service is educational. Decisions are yours.
To the fullest extent permitted by law, our total aggregate liability arising out of or relating to the Service and these Terms will not exceed the greater of (a) the total amount you have paid us in the twelve months before the claim arose (which, for a free service, will ordinarily be zero) and (b) one hundred US dollars (US$100).
You agree to indemnify and hold harmless Globefin and its operators, editors, and contributors from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or connected with your breach of these Terms, your misuse of the Service, Your Content, or your violation of any law or third-party right.
Globefin is operated by Library B Development Corporation, a Kentucky non-profit corporation. These Terms, and any dispute arising out of or in connection with them or the Service, are governed by the laws of the Commonwealth of Kentucky, USA, without regard to its conflict-of-laws rules. You and Globefin agree to the exclusive jurisdiction of the state and federal courts located in the Commonwealth of Kentucky, subject to any mandatory rights you have as a consumer to bring proceedings in, or rely on the law of, your country of residence.
If a dispute arises, please contact us first at admin@globefin.org. Most things can be resolved by email.
We may revise these Terms from time to time. When we do, we will update the "last updated" date at the top of this page, and for material changes we will give reasonable notice — by email or a prominent notice on the Service — before they take effect. Continuing to use Globefin after a change takes effect means you accept the revised Terms. If you do not accept them, stop using the Service and close your account.
Questions about these Terms, a permission request, a copyright notice, or a correction to a lesson — all go to the same place.
admin@globefin.org