the Future with AI.

Anti–Money Laundering (AML) and Know Your Customer (KYC) Policy
1. Purpose

This AML & KYC Policy outlines the measures implemented by ProfitPulse Academy LLC (“ProfitPulse,” “we,” “our,” or “the Company”) to prevent and detect money laundering, terrorist financing, fraud, and other illicit financial activities in accordance with the applicable laws and regulations of the United States and Canada.

ProfitPulse is committed to maintaining the highest standards of integrity and regulatory compliance in all financial transactions, including payments made via credit card, wire transfer, e-transfer, or bill payment.

2. Regulatory Framework

This policy complies with:

The U.S. Bank Secrecy Act (BSA) and USA PATRIOT Act

The Financial Crimes Enforcement Network (FinCEN) regulations

The Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA) in Canada

Guidance from FINTRAC (Canada) and relevant payment partners.

3. Customer Identification (KYC)

To maintain transparency and compliance, ProfitPulse requires all clients to complete a KYC verification process before any payment is accepted.

Each client must provide:

A valid Government-Issued Photo ID (passport, driver’s license, or national ID)

A Recent Utility Bill (within the last 3 months) showing current address

A Selfie Photo matching the provided ID

These documents must be uploaded to our secure verification portal or sent via encrypted communication, as directed by our compliance team.

4. Verification & Review

All KYC submissions are reviewed and verified by our compliance department prior to accepting payments or providing course access. ProfitPulse reserves the right to request additional information or documentation at any time to ensure compliance.

If a client fails to provide valid identification or if suspicious activity is detected, the Company reserves the right to refuse service, suspend access, or report the activity to the relevant financial authorities.

5. Transaction Monitoring

ProfitPulse continuously monitors transactions to detect unusual or high-risk behavior, including but not limited to:

Multiple payment attempts using different cards or accounts

Inconsistent geographical information

Refund abuse or suspicious chargebacks

All transactions may be reviewed manually or through automated systems to identify potential AML risks.

6. Record Retention

All customer and transaction records are securely stored for a minimum of five (5) years, in accordance with federal and financial regulatory requirements.

7. Reporting Obligations

ProfitPulse cooperates with law enforcement, regulators, and financial institutions when legally required to report suspicious transactions or activities. We comply with all applicable reporting standards under FinCEN and FINTRAC.

8. Staff Training

All ProfitPulse staff and affiliates receive regular training to recognize and prevent money laundering and suspicious activity in compliance with current AML legislation.

💳 Refund and Cancellation Policy
1. Payment Authorization

When a client requests to purchase a course or service, they will receive a payment authorization email containing:

KYC document upload instructions (ID, utility bill, selfie)

Secure payment options: credit card, e-transfer, bill payment, or wire transfer.

Payments are accepted only after full verification of the client’s identity.

2. Refund Policy

ProfitPulse Academy provides access to educational services and private mentorship sessions. Due to the nature of our intellectual material and personalized meetings:

Once the first meeting or session is completed, refunds are not available.

This is because substantial educational value and proprietary knowledge are delivered during the first session.

If a client cancels before the first scheduled meeting, they may request a refund minus administrative costs and processing fees.

After the first meeting, all sales are considered final and non-reversible.

3. Disputes and Chargebacks

Clients are required to contact ProfitPulse Support directly to resolve any issue before initiating a chargeback or refund request through their bank. Any unauthorized dispute may result in termination of access and legal collection of funds owed.

4. Contact Information

All refund or compliance inquiries should be directed to:
📧 compliance@profitpulse.academy

📧 support@profitpulse.academy

ProfitPulse Academy LLC
Registered in the United States
Serving clients in the U.S. and Canada. 

. Introduction

Welcome to ProfitPulse Academy LLC, an educational organization offering professional online and live training courses in AI, marketing, trading, e-commerce, and business development.

By purchasing a course, accessing our materials, or using our services, you (“Client” or “User”) agree to be bound by these Terms of Service, our Refund Policy, and our AML/KYC Policy.

If you do not agree with these terms, please do not use or access our services.

2. Nature of Services

ProfitPulse Academy provides educational and informational services only.
We do not provide investment advice, financial advisory services, or guarantees of future income.
All information and materials shared are for educational and training purposes.

Clients are responsible for applying the knowledge gained at their own discretion and risk.

3. Eligibility & KYC Verification

To maintain compliance with U.S. and Canadian regulations, all clients must complete identity verification (KYC) prior to payment or course access.

Clients must submit:

• Valid government-issued photo ID

• Recent utility bill (proof of address)

• Selfie photo for identity match

ProfitPulse reserves the right to request additional documentation and to deny or suspend service if verification fails or if suspicious activity is detected.

4. Payments

We accept the following payment methods:

• Credit & Debit Cards

• E-transfer (Canada)

• Bill Payment (Canada)

• Wire Transfer (U.S. & International)

All payments are processed securely through approved third-party processors.
Once a client receives payment instructions, the client must complete payment within the provided timeframe to secure enrollment.

5. Refund & Cancellation Policy

ProfitPulse courses and mentorship programs contain exclusive educational content and private one-on-one sessions.

• Once the first session or meeting has been conducted, the sale is final and non-refundable, as significant educational value has been delivered.

• Clients may request a refund only before the first scheduled session, subject to administrative processing fees.

• Refunds are not available after digital materials or live meetings have been accessed.

Any refund request must be submitted in writing to support@profitpulse.academy prior to service commencement.

6. Intellectual Property

All content, materials, videos, charts, guides, and any intellectual property shared by ProfitPulse are the exclusive property of the Company.

Clients are prohibited from:

• Reproducing, redistributing, or reselling any materials

• Recording or sharing course content

• Using ProfitPulse intellectual property for commercial or teaching purposes

Violation may result in immediate account termination and legal action.

7. Limitation of Liability

ProfitPulse Academy LLC and its affiliates, instructors, or agents shall not be liable for:

• Any financial loss, damages, or trading decisions made based on course content

• Any interruption, delay, or loss of data due to third-party systems or networks

All training is provided on an “as-is” and “educational only” basis.

8. Chargebacks & Dispute Resolution

By purchasing a course, you acknowledge that you are entering into a legally binding educational contract.

If you initiate a chargeback or payment dispute after receiving educational access or mentorship, ProfitPulse reserves the right to:

• Provide evidence of your signed agreement and completed sessions

• Submit documentation to the payment processor and relevant authorities

• Recover owed funds, legal costs, and administrative fees

Clients must contact support@profitpulse.academy first to resolve any concern before initiating a formal dispute.

9. Confidentiality

All personal data collected through KYC or payment processes is securely stored and handled in compliance with U.S. and Canadian privacy laws.

ProfitPulse does not sell, share, or disclose client data except as required by law or for compliance with financial institutions.

10. Compliance with AML Laws

ProfitPulse operates in full compliance with the U.S. Bank Secrecy Act (BSA) and Canada’s PCMLTFA.
We reserve the right to suspend, review, or report any transaction deemed suspicious by our compliance team or financial partners.

11. Governing Law & Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, USA, without regard to conflict of law principles.

All disputes shall be resolved through arbitration or mediation under Delaware jurisdiction unless otherwise required by law.

12. Amendments

ProfitPulse reserves the right to update or modify these Terms at any time. Updates will take effect immediately upon publication on our website.