Effective Date: 20 July 2026 Version: 1.0
Welcome to 5Khoka! Before creating your account, please read this User Agreement carefully. By accepting, you confirm that you have read, understood, and voluntarily agreed to this User Agreement, as well as the Terms & Conditions, Privacy Policy, Disclaimer, and Refund & Digital Access Policy.
5Khoka is a Financial Education Platform created to improve financial awareness, financial discipline, saving habits, money management, and long-term wealth-building knowledge through educational content, tools, frameworks, and assessments.
5Khoka does not provide personalized financial, investment, tax, legal, insurance, or portfolio management advice.
All books, videos, calculators, assessments, frameworks, examples, illustrations, and other content available on 5Khoka are provided solely for educational and informational purposes.
Nothing on the platform should be treated as a recommendation to buy, sell, invest in, or avoid any financial product or service.
5Khoka may suspend or terminate accounts used fraudulently, unlawfully, or in violation of this Agreement or applicable policies.
All 5Khoka books, videos, frameworks, calculators, assessments, branding, graphics, text, and educational materials are protected by applicable intellectual property laws. They are for personal learning only and may not be copied, reproduced, distributed, sold, commercially exploited, or shared without prior written permission.
Your personal information will be handled according to the 5Khoka Privacy Policy. By registering, you consent to essential account-related communications such as OTPs, login alerts, purchase confirmations, service notifications, and important platform updates.
Purchases, subscriptions, digital access, and refunds are governed by the 5Khoka Refund & Digital Access Policy. Unless required by law or expressly stated otherwise, digital purchases are generally non-refundable after access is provided.
5Khoka does not guarantee any financial outcome, income level, investment return, or wealth creation. To the maximum extent permitted by law, 5Khoka is not responsible for losses arising from decisions based on educational content on the platform.
5Khoka may update this Agreement or related policies. The latest version published on the official platform applies from its publication date unless applicable law requires otherwise.
By clicking “I Have Read and Accept”, you confirm that you have read and understood this Agreement, voluntarily agree to be bound by it, had the opportunity to review the linked legal policies, understand that 5Khoka is an educational platform, and accept responsibility for your own financial decisions.
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