JB HerWealth

Last updated: 28 October 2026

These Terms of Use apply to your use of the JB HerWealth website, its free courses, questionnaires, certificates, tools and calculators, resources and advisor booking. The site is run by JB Financial (Pvt) Ltd, 150 St. Joseph’s Street, Colombo 01400, Sri Lanka (“we”, “us”, “our”).

By using the site or creating an account, you agree to these terms. If you do not agree, please do not use the site. Please also read our Privacy Policy, Cookie Policy and Disclaimer, which form part of these terms.

1. Who can use JB HerWealth

JB HerWealth is a free financial learning programme for women. You must be at least 18 years old to create an account. By creating one, you confirm that the details you give us are true and your own.

2. Your account

  • You need an account to take the courses, use the calculators and claim a certificate.
  • Keep your password private, and tell us straight away if you think someone else has used your account. You are responsible for what happens under your account.
  • Each account is for one person only. Do not share it or create accounts for others.
  • You may be asked to confirm your email address before you can use your account.
  • You can update your details on your profile page, and delete your account at any time from its Delete Account tab. What happens to your data when you do is explained in our Privacy Policy.

3. The free courses

  • The courses are free. If we ever offer a paid service, we will tell you clearly first, and it will have its own terms.
  • Lessons open in course order, as you finish the questionnaire of each module.
  • The courses are for general education only. They are not financial, investment, tax or legal advice. See our Disclaimer.
  • We may change, add or remove lessons, questionnaires and other content at any time.

4. Questionnaires and certificates

  • Each module ends with a questionnaire. Your answers are scored automatically, and you can claim your certificate once you have finished every module with marks at or above the pass mark we set. We may change the pass mark.
  • Make sure the name you give for your certificate is correct. It is printed exactly as you enter it.
  • Your certificate is emailed to you as a PDF. You claim it once. If you need it again, use Request Again on your profile; once we approve your request, you can download it one more time. Please keep your certificate safe.
  • Printed copies are posted only to addresses in Sri Lanka. We will do our best to deliver them, but we cannot promise delivery times and are not responsible for delays or losses in the post.
  • A JB HerWealth certificate shows that you completed our free course. It is not a professional qualification, licence or accreditation, and it does not qualify you to give financial advice.
  • We may correct or cancel a certificate that was issued by mistake, or obtained by breaking these terms.

5. Tools and calculators

Our calculators give estimates based on the figures you enter and on assumptions such as tax rates, statutory rates, returns and inflation. They are for learning and planning only, and their results are not a promise or a recommendation. Check important figures with a qualified professional before you act on them.

6. Free advisor calls

  • You can ask for a free call with an advisor through our booking form. We will try to contact you, but we cannot promise that a call will take place at a particular time.
  • A free call is a general conversation to help you understand your options. It is not a recommendation to buy or sell any financial product, and you are under no obligation to use any service.
  • Any service you later agree with an advisor is between you and that advisor, under its own terms.

7. Resources and downloads

Worksheets, templates and other resources are for your personal, non-commercial use. You may print them and use them for your own planning, but you may not sell them, republish them or share them as your own.

8. Using the site fairly

When you use JB HerWealth, you agree not to:

  • Give false information, or pretend to be someone else.
  • Try to get around the course order, the questionnaires or the certificate rules.
  • Copy, scrape or download the site’s content with automated tools.
  • Try to break into the site, test its security without permission, or upload anything harmful.
  • Send messages that are abusive, misleading or unlawful.
  • Use the site in any way that breaks the law of Sri Lanka.

9. Our content

The courses, lessons, questionnaires, videos, text, graphics, logos, calculators and resources on JB HerWealth belong to us or to those who license them to us, and are protected by intellectual property law. We give you a personal, limited right to use them for your own learning. All other rights are reserved.

10. What you send us

When you send us a message, a booking request or feedback, you confirm that it is yours to send and does not break anyone’s rights. We will publish a testimonial from you, with your name or picture, only with your permission.

11. Other websites

Our site links to other websites, such as social media pages and partners’ sites. We do not control them and are not responsible for their content or their terms.

12. Availability and changes

We work to keep JB HerWealth running smoothly, but we cannot promise that it will always be available or free of errors. We may change, pause or stop any part of the site at any time.

13. Suspending or closing accounts

We may suspend or close an account that breaks these terms, puts other users or the site at risk, or is used unlawfully. Where it is fair to do so, we will tell you why.

14. Limitation of liability

JB HerWealth is provided free of charge and “as is”. To the fullest extent the law allows, we are not liable for any loss arising from your use of the site, its content, its calculators or an advisor call, including any financial decision you make. Nothing in these terms limits any liability that cannot be limited under the law of Sri Lanka.

15. Changes to these terms

We may update these Terms of Use from time to time. The date at the top shows when they last changed. If you keep using the site after a change, you accept the updated terms.

16. Law and disputes

These terms are governed by the laws of the Democratic Socialist Republic of Sri Lanka. Any dispute will be dealt with by the courts of Sri Lanka. Before going to court, please contact us so that we can try to resolve the matter together.

17. Contact us

JB Financial (Pvt) Ltd
150 St. Joseph’s Street, Colombo 01400, Sri Lanka
Email: [email protected]
Phone: +94 70 211 1999 (Hotline), +94 11 249 0900 (General)