Terms and Conditions
These Terms and Conditions (“Terms”) govern your access to and use of the website PERSONALFINANCEGUIDE.WORLD (the “Website”) operated by PERSONALFINANCEGUIDE.WORLD (“we,” “us,” or “our”). By accessing or using the Website, you agree to be bound by these Terms. If you do not agree to these Terms, please do not access or use the Website.
1. Acceptance of Terms
By accessing or using the Website, you affirm that you are of legal age to enter into these Terms and that you have read, understood, and agree to be bound by them. If you are accessing or using the Website on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms.
2. Use of the Website
You agree to use the Website only for lawful purposes and in a manner consistent with these Terms. You agree not to:
- Use the Website in any way that violates any applicable federal, state, local, or international law or regulation.
- Use the Website to impersonate or attempt to impersonate PERSONALFINANCEGUIDE.WORLD, a PERSONALFINANCEGUIDE.WORLD employee, another user, or any other person or entity.
- Engage in any conduct that restricts or inhibits anyone’s use or enjoyment of the Website, or which, as determined by us, may harm PERSONALFINANCEGUIDE.WORLD or users of the Website or expose them to liability.
- Use the Website to transmit any viruses, worms, defects, Trojan horses, or other items of a destructive nature.
- Use any robot, spider, or other automatic device, process, or means to access the Website for any purpose, including monitoring or copying any of the material on the Website.
- Introduce any viruses, trojans, worms, logic bombs, or other material that is malicious or technologically harmful.
- Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Website, the server on which the Website is stored, or any server, computer, or database connected to the Website.
- Attack the Website via a denial-of-service attack or a distributed denial-of-service attack.
- Otherwise attempt to interfere with the proper working of the Website.
3. Intellectual Property
The Website and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof), are owned by PERSONALFINANCEGUIDE.WORLD, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.
You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Website, except as follows:
- Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials.
- You may store files that are automatically cached by your Web browser for display enhancement purposes.
- You may print or download one copy of a reasonable number of pages of the Website for your own personal, non-commercial use and not for further reproduction, publication, or distribution.
4. Disclaimer of Warranties
The information presented on the Website is for general informational purposes only and does not constitute financial, investment, legal, or other professional advice. We do not guarantee the accuracy, completeness, or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Website, or by anyone who may be informed of any of its contents.
THE WEBSITE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT ANY WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
5. Limitation of Liability
IN NO EVENT SHALL PERSONALFINANCEGUIDE.WORLD, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE WEBSITE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE.
6. Indemnification
You agree to defend, indemnify, and hold harmless PERSONALFINANCEGUIDE.WORLD, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms or your use of the Website, including, but not limited to, your User Contributions, any use of the Website’s content, services, and products other than as expressly authorized in these Terms or your use of any information obtained from the Website.
7. Governing Law and Jurisdiction
These Terms and any dispute arising out of or relating to these Terms or the Website shall be governed by and construed in accordance with the laws of [Your State/Country], without giving effect to any choice of law or conflict of law provisions or rules (whether of [Your State/Country] or any other jurisdiction).
8. Changes to these Terms
We may revise and update these Terms from time to time in our sole discretion. All changes are effective immediately when we post them. Your continued use of the Website following the posting of revised Terms means that you accept and agree to the changes. You are expected to check this page frequently so you are aware of any changes, as they are binding on you.
9. Contact Us
If you have any questions about these Terms, please contact us at: