CORE

Legal information

Terms of Service

Last Updated: \[28/03//2026\]

1. Operator

This Service (“CORE”) is operated by Terry Hikaru Niimi (“Operator”, “we”, “us”, “our”).

Contact:

Email: terrynm777@gmail.com

Phone: 070-8563-6966

CORE is currently operated as an individual entity and may transition to a registered company in the future.

2. Nature of the Service

CORE is an educational platform focused on financial literacy and general understanding of financial markets.

The Service currently provides:

a paid newsletter subscription (USD 9.99/month)
general educational content

All content is provided strictly for informational and educational purposes only.

We do NOT provide:

financial advice
investment recommendations
portfolio management
personalized guidance

Any opinions expressed are general in nature and should not be relied upon for making financial decisions.

3. Eligibility

Users must be at least 13 years old to use the Service.

If under the legal age in your jurisdiction, you must use the Service under supervision of a parent or legal guardian.

4. User Responsibility

By using CORE, you agree that:

You are solely responsible for your own decisions
You will not rely on CORE as a substitute for professional advice
You use the Service at your own risk

5. Payments and Subscriptions

The Service operates on a subscription basis (USD 9.99/month)
Payments are processed through third-party providers such as PayPal (and may include other providers in the future)
By purchasing, you agree to the terms of the payment provider

Subscriptions:

Can be cancelled at any time
No cancellation fees apply
Access continues until the end of the billing cycle

6. Refund Policy

All payments are non-refundable.

7. Intellectual Property

All content, materials, and branding associated with CORE are owned by the Operator.

You may not:

copy
redistribute
reproduce
resell

any part of the Service without prior written permission.

8. Limitation of Liability

To the maximum extent permitted by law:

We are not responsible for any financial loss
We are not liable for decisions made based on our content
We do not guarantee accuracy, completeness, or outcomes

9. Team and Contributors

CORE may involve contributions from team members and unpaid interns.

All content is reviewed and published under the direction of the Operator.

10. Modifications

We reserve the right to modify these Terms at any time.

Continued use of the Service constitutes acceptance of updated Terms.

11. Governing Law

These Terms are governed by the laws of Japan.

Privacy Policy

Effective Date: March 28, 2026

CORE (“we”, “our”, or “us”) operates a financial education platform providing general educational content and subscription-based newsletters.

1. Information We Collect

We may collect the following information:

Personal Information: Name, email address, and account details
Payment Information: Processed securely via third-party providers (e.g., PayPal, Stripe). We do not store full payment details
Usage Data: Website interactions and analytics data
Device Information: IP address, browser type, and device identifiers

2. How We Use Information

We use collected data to:

Provide and manage subscriptions
Deliver newsletters and content
Communicate with users
Improve platform performance
Maintain security and prevent abuse

3. No Financial Advice

CORE provides general educational content only.

We do not provide financial advice, investment recommendations, or personalised guidance.

4. Sharing of Information

We do not sell personal data.

We may share information with:

Payment processors (e.g., PayPal, Stripe)
Email and infrastructure providers
Analytics services
Legal authorities when required

5. Data Storage and Security

We implement reasonable security measures.

No system is completely secure.

6. International Data Transfers

Data may be processed in Japan, Australia, or other jurisdictions.

7. User Rights

Users may:

Request access, correction, or deletion of data
Unsubscribe at any time

Contact: terrynm777@gmail.com

8. Children

Minimum age: 13

We do not knowingly collect data from children under 13.

9. Changes to This Policy

We may update this policy at any time. Updates will be posted here.

10. Contact

Terry Hikaru Niimi

Email: terrynm777@gmail.com

Phone: 070-8563-6966

Entity Status:

CORE is currently a pre-incorporation entity and will be registered in Japan and Australia.

refund policy

Refund Policy – CORE

Effective Date: March 28, 2026

CORE provides subscription-based access to educational content and newsletters.

1. Subscription Fees

All fees are billed in advance on a monthly basis (USD $9.99).

2. No Refund Policy

All payments are non-refundable.

Once a subscription payment has been processed, we do not provide refunds, credits, or partial reimbursements for:

Unused time within a billing period
Change of mind
Failure to cancel before the next billing cycle

3. Cancellation Policy

Users may cancel their subscription at any time.

Cancellation will take effect at the end of the current billing period
No cancellation fees apply
Access remains available until the end of the paid period

4. Billing Errors

If you believe you were charged in error, you must contact us within 7 days of the transaction.

We will review the case and may issue a refund only where required by applicable law.

5. Payment Processing

Payments are handled by third-party providers (e.g., PayPal, Stripe).

CORE does not store full payment details.

6. Changes to This Policy

We may update this policy at any time. Updates will be posted on this page.

7. Contact

Terry Hikaru Niimi

Email: terrynm777@gmail.com

Phone: 070-8563-6966

disclaimers

Disclaimer – CORE

Effective Date: March 28, 2026

CORE provides educational content related to financial markets. By using this platform, you agree to the following:

1. No Financial Advice

All content provided by CORE is for educational and informational purposes only.

We do not provide:

Financial advice
Investment recommendations
Portfolio management
Personalised guidance

Any opinions expressed are general in nature and do not take into account your individual financial situation.

2. No Professional Relationship

Use of this platform does not create any advisor-client, fiduciary, or professional relationship.

3. Investment Risk

Financial markets involve significant risk.

You may lose all or part of your capital
Past performance does not guarantee future results
All decisions are made at your own risk

4. Accuracy of Information

We aim to provide accurate and up-to-date information.

However, we make no guarantees regarding completeness, reliability, or accuracy.

5. Third-Party Content

CORE may reference third-party data, tools, or platforms.

We are not responsible for the content, accuracy, or reliability of external sources.

6. No Liability

To the maximum extent permitted by law, CORE and its operators are not liable for:

Financial losses
Indirect or consequential damages
Decisions made based on our content

7. Educational Purpose Only

All materials are intended to support independent thinking and learning, not to direct specific financial actions.

8. Changes to Disclaimer

This disclaimer may be updated at any time. Continued use of the platform constitutes acceptance of any changes.

9. Contact

Terry Hikaru Niimi

Email: terrynm777@gmail.com

Phone: 070-8563-6966

CORE

Legal information

Terms of Service

Last Updated: \[28/03//2026\]

1. Operator

This Service (“CORE”) is operated by Terry Hikaru Niimi (“Operator”, “we”, “us”, “our”).

Contact:

Email: terrynm777@gmail.com

Phone: 070-8563-6966

CORE is currently operated as an individual entity and may transition to a registered company in the future.

2. Nature of the Service

CORE is an educational platform focused on financial literacy and general understanding of financial markets.

The Service currently provides:

a paid newsletter subscription (USD 9.99/month)
general educational content

All content is provided strictly for informational and educational purposes only.

We do NOT provide:

financial advice
investment recommendations
portfolio management
personalized guidance

Any opinions expressed are general in nature and should not be relied upon for making financial decisions.

3. Eligibility

Users must be at least 13 years old to use the Service.

If under the legal age in your jurisdiction, you must use the Service under supervision of a parent or legal guardian.

4. User Responsibility

By using CORE, you agree that:

You are solely responsible for your own decisions
You will not rely on CORE as a substitute for professional advice
You use the Service at your own risk

5. Payments and Subscriptions

The Service operates on a subscription basis (USD 9.99/month)
Payments are processed through third-party providers such as PayPal (and may include other providers in the future)
By purchasing, you agree to the terms of the payment provider

Subscriptions:

Can be cancelled at any time
No cancellation fees apply
Access continues until the end of the billing cycle

6. Refund Policy

All payments are non-refundable.

7. Intellectual Property

All content, materials, and branding associated with CORE are owned by the Operator.

You may not:

copy
redistribute
reproduce
resell

any part of the Service without prior written permission.

8. Limitation of Liability

To the maximum extent permitted by law:

We are not responsible for any financial loss
We are not liable for decisions made based on our content
We do not guarantee accuracy, completeness, or outcomes

9. Team and Contributors

CORE may involve contributions from team members and unpaid interns.

All content is reviewed and published under the direction of the Operator.

10. Modifications

We reserve the right to modify these Terms at any time.

Continued use of the Service constitutes acceptance of updated Terms.

11. Governing Law

These Terms are governed by the laws of Japan.

Privacy Policy

Effective Date: March 28, 2026

CORE (“we”, “our”, or “us”) operates a financial education platform providing general educational content and subscription-based newsletters.

1. Information We Collect

We may collect the following information:

Personal Information: Name, email address, and account details
Payment Information: Processed securely via third-party providers (e.g., PayPal, Stripe). We do not store full payment details
Usage Data: Website interactions and analytics data
Device Information: IP address, browser type, and device identifiers

2. How We Use Information

We use collected data to:

Provide and manage subscriptions
Deliver newsletters and content
Communicate with users
Improve platform performance
Maintain security and prevent abuse

3. No Financial Advice

CORE provides general educational content only.

We do not provide financial advice, investment recommendations, or personalised guidance.

4. Sharing of Information

We do not sell personal data.

We may share information with:

Payment processors (e.g., PayPal, Stripe)
Email and infrastructure providers
Analytics services
Legal authorities when required

5. Data Storage and Security

We implement reasonable security measures.

No system is completely secure.

6. International Data Transfers

Data may be processed in Japan, Australia, or other jurisdictions.

7. User Rights

Users may:

Request access, correction, or deletion of data
Unsubscribe at any time

Contact: terrynm777@gmail.com

8. Children

Minimum age: 13

We do not knowingly collect data from children under 13.

9. Changes to This Policy

We may update this policy at any time. Updates will be posted here.

10. Contact

Terry Hikaru Niimi

Email: terrynm777@gmail.com

Phone: 070-8563-6966

Entity Status:

CORE is currently a pre-incorporation entity and will be registered in Japan and Australia.

refund policy

Refund Policy – CORE

Effective Date: March 28, 2026

CORE provides subscription-based access to educational content and newsletters.

1. Subscription Fees

All fees are billed in advance on a monthly basis (USD $9.99).

2. No Refund Policy

All payments are non-refundable.

Once a subscription payment has been processed, we do not provide refunds, credits, or partial reimbursements for:

Unused time within a billing period
Change of mind
Failure to cancel before the next billing cycle

3. Cancellation Policy

Users may cancel their subscription at any time.

Cancellation will take effect at the end of the current billing period
No cancellation fees apply
Access remains available until the end of the paid period

4. Billing Errors

If you believe you were charged in error, you must contact us within 7 days of the transaction.

We will review the case and may issue a refund only where required by applicable law.

5. Payment Processing

Payments are handled by third-party providers (e.g., PayPal, Stripe).

CORE does not store full payment details.

6. Changes to This Policy

We may update this policy at any time. Updates will be posted on this page.

7. Contact

Terry Hikaru Niimi

Email: terrynm777@gmail.com

Phone: 070-8563-6966

disclaimers

Disclaimer – CORE

Effective Date: March 28, 2026

CORE provides educational content related to financial markets. By using this platform, you agree to the following:

1. No Financial Advice

All content provided by CORE is for educational and informational purposes only.

We do not provide:

Financial advice
Investment recommendations
Portfolio management
Personalised guidance

Any opinions expressed are general in nature and do not take into account your individual financial situation.

2. No Professional Relationship

Use of this platform does not create any advisor-client, fiduciary, or professional relationship.

3. Investment Risk

Financial markets involve significant risk.

You may lose all or part of your capital
Past performance does not guarantee future results
All decisions are made at your own risk

4. Accuracy of Information

We aim to provide accurate and up-to-date information.

However, we make no guarantees regarding completeness, reliability, or accuracy.

5. Third-Party Content

CORE may reference third-party data, tools, or platforms.

We are not responsible for the content, accuracy, or reliability of external sources.

6. No Liability

To the maximum extent permitted by law, CORE and its operators are not liable for:

Financial losses
Indirect or consequential damages
Decisions made based on our content

7. Educational Purpose Only

All materials are intended to support independent thinking and learning, not to direct specific financial actions.

8. Changes to Disclaimer

This disclaimer may be updated at any time. Continued use of the platform constitutes acceptance of any changes.

9. Contact

Terry Hikaru Niimi

Email: terrynm777@gmail.com

Phone: 070-8563-6966