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Last updated 1 August 2026
These terms govern your use of RINFA, the Rhapsody Influencers' Network Financial Academy. They describe what you buy or earn, how your wallet works, and the rules that keep referrals fair.
Each stage is priced in Espees. Buying a stage unlocks every published course in that stage — including courses published later. Higher-stage purchases also unlock the stages below them.
Every stage also has a referral task. If you invite the required number of members and they become active — meaning they verify their KingsChat identity and complete the free foundational course — the stage unlocks at no cost. Access earned this way is identical to access bought: same content, same certificate.
You may preload Espees into a RINFA wallet and spend them on any stage in one click. The wallet ledger is append-only: entries are never edited or deleted, and corrections appear as new entries with a stated reason. Your balance is always the sum of that ledger.
Refunds are handled case by case by an administrator. A refunded stage purchase revokes the access it granted; you keep your learning progress but lose access until you buy or earn the stage again. Every refund is recorded with a reason.
Referrals must be real people who chose to join. Self-referral is blocked, a person can only ever be attributed to one referrer, and sign-ups showing signs of manipulation are reviewed by an administrator and may be rejected. A rejected referral was never counted toward a quota, so nothing is deducted from anyone.
You are responsible for keeping access to the identity you sign in with. Accounts may be suspended for fraud or abuse. Content on RINFA is for your own learning and may not be redistributed.
For help with payments, unlocks, certificates or account requests, use the Contact page. Messages go to the academy support inbox and we reply by email. We aim to respond within a few working days.
We may update these terms. If stage prices change later, that does not change the amount already charged for a stage you unlocked. Material updates will be reflected by the date at the top of this page.
This wording is a working draft pending legal review. It describes how RINFA actually behaves today.