Terms of Service
Welcome
to Finance for U By accessing or using the Blog, you agree to be bound by these
Terms of Service ("ToS" or "Terms"), which govern your use
of the Blog and ensure compliance with applicable international laws. If you do
not agree with these Terms, please do not use the Blog.
1.
Acceptance of Terms
By
accessing or using the Blog, you confirm that you are at least 18 years old (or
the age of majority in your jurisdiction) and agree to comply with these Terms.
These Terms form a legally binding agreement between you and Finance for U. We
may update or modify these Terms at any time without prior notice. Your
continued use of the Blog after any changes constitutes acceptance of the
updated Terms. Please check this page periodically for updates.
2.
Use of the Blog
Permitted
Use: The Blog is intended for personal, non-commercial use to access
information related to personal finance. You may read, share, and comment on
content as permitted by the Blog’s features, provided you comply with these
Terms and all applicable laws.
Prohibited
Conduct: You agree not to:
Use
the Blog for any illegal or unauthorised purpose, including violations of
local, national, or international laws.
Post
or share content that is defamatory, obscene, offensive, or infringes on the
rights of others, including privacy or intellectual property rights.
Engage
in activities such as hacking, data scraping, or other actions that may disrupt
or harm the Blog’s functionality or security.
Reproduce,
distribute, or modify the Blog’s content without express permission, except as
allowed under fair use or similar laws (e.g., Copyright Act, 1957 in India or
equivalent international laws).
Use
automated tools (e.g., bots, crawlers) to access or collect data from the Blog
without prior written consent.
3.
Intellectual Property
Ownership:
All content on the Blog, including text, images, graphics, logos, and other
materials, is owned by Finance for U or its licencors and is protected by
copyright, trademark, and other intellectual property laws, including the
Copyright Act, 1957 (India) and international treaties such as the Berne
Convention.
License:
You are granted a limited, non-exclusive, non-transferable license to access
and view the Blog’s content for personal, non-commercial use. You may not
reproduce, distribute, or create derivative works from the Blog’s content
without prior written consent, except as permitted by applicable laws (e.g.,
fair use under U.S. law or fair dealing under Indian law).
User-Generated
Content: If you submit comments, guest posts, or other content to the Blog, you
grant Finance for U a worldwide, royalty-free, perpetual license to use,
reproduce, modify, and display such content in connection with the Blog. You
represent that your content does not infringe on third-party rights and
complies with all applicable laws.
4.
Third-Party Links and Affiliate Disclosures
The
Blog may contain links to third-party websites, services, or financial
products, including affiliate links where Finance for U may earn a commission.
These links are provided for your convenience, and Finance for U is not
responsible for the content, policies, or practices of these third-party sites.
You access them at your own risk. Pursuant to regulations such as the U.S.
Federal Trade Commission (FTC) guidelines and India’s Consumer Protection Act,
2019, we disclose that some links may be affiliate links. Please review our
Affiliate Disclosure for details.
5.
Financial Disclaimer
The
content on Finance for U is provided for informational and educational purposes
only and does not constitute financial, investment, or professional advice. You
should consult a qualified financial advisor before making any financial
decisions. Finance for U is not liable for any losses or damages resulting from
your reliance on the Blog’s content. This disclaimer complies with regulations
such as the U.S. Securities and Exchange Commission (SEC) guidelines and
India’s SEBI (Investment Advisers) Regulations, 2013, where applicable.
6.
Privacy and Data Protection
Your
use of the Blog is governed by our Privacy Policy
[https://www.financeforu.online/p/privacy-policy.html] which outlines how we
collect, use and protects your personal data. Finance for U is committed to
complying with applicable data protection laws, including:
General
Data Protection Regulation (GDPR): For users in the European Union, you have
rights to access, rectify, or delete your personal data, as outlined in our
Privacy Policy.
California
Consumer Privacy Act (CCPA): For California residents, you have rights to know
what personal information is collected and to opt out of its sale.
Information
Technology Act, 2000 (India): We adhere to India’s data protection regulations
for handling sensitive personal data. Please review our Privacy Policy for
detailed information on your rights and our obligations.
7.
User Accounts (If Applicable)
If
the Blog requires or allows user accounts (e.g., for commenting or
subscriptions):
You
are responsible for maintaining the confidentiality of your account credentials
and for all activities under your account.
You
agree to provide accurate information and notify us immediately of any
unauthorised use of your account.
We
reserve the right to suspend or terminate accounts for violations of these
Terms or applicable laws.
8.
Disclaimer of Warranties
The
Blog is provided "as is" and "as available" without
warranties of any kind, express or implied, to the fullest extent permitted by
law. Finance for U does not guarantee that the Blog will be error-free, secure,
or uninterrupted, or that the content is accurate, complete, or suitable for
your financial decisions. This disclaimer aligns with consumer protection laws,
such as India’s Consumer Protection Act, 2019, and similar international
regulations.
9.
Limitation of Liability
To
the fullest extent permitted by law, Finance for U, its owners, affiliates, and
contributors will not be liable for any direct, indirect, incidental, or
consequential damages arising from your use of the Blog or reliance on its
content. This includes, but is not limited to, damages for financial losses,
data loss, or other intangible losses. This limitation complies with applicable
laws, such as the Indian Contract Act, 1872, and similar international
statutes.
10.
Indemnification
You
agree to indemnify, defend, and hold harmless Finance for U, its affiliates,
and contributors from any claims, liabilities, damages, or expenses (including
reasonable attorneys’ fees) arising from your violation of these Terms, your
content, or your violation of any applicable laws.
11.
Termination
We
reserve the right to suspend or terminate your access to the Blog at our sole
discretion, with or without notice, for any reason, including violation of
these Terms or applicable laws.
12.
Governing Law and Jurisdiction
These
Terms are governed by the laws of India, without regard to its conflict of law
principles. Any disputes arising from these Terms or your use of the Blog will
be resolved in the courts of [Your City, e.g., Mumbai], India, unless otherwise
required by international law. For users in other jurisdictions:
EU
Users: Disputes may be subject to EU consumer protection laws, and you may have
the right to resolve disputes in your local jurisdiction under GDPR or other
regulations.
U.S.
Users: Disputes may be subject to U.S. federal or state laws, such as the
California Consumer Privacy Act (CCPA) for California residents.
International
Users: If you access the Blog from outside India, you are responsible for
compliance with local laws. Finance for U operates from India and adheres to
Indian laws, but we strive to comply with international standards where
applicable.
13.
International Compliance
Finance
for U is committed to complying with international laws and regulations,
including but not limited to:
Copyright
Laws: Content is protected under the Copyright Act, 1957 (India) and
international treaties like the Berne Convention.
Data
Protection: Compliance with GDPR (EU), CCPA (California), and India’s
Information Technology (Reasonable Security Practices and Procedures and
Sensitive Personal Data or Information) Rules, 2011.
Consumer
Protection: Adherence to India’s Consumer Protection Act, 2019, and equivalent
laws in other jurisdictions (e.g., EU Consumer Rights Directive).
Advertising
and Affiliate Regulations: Compliance with U.S. FTC guidelines, India’s
Advertising Standards Council of India (ASCI) Code, and similar regulations for
transparency in affiliate marketing and sponsored content.
14.
Consent to Terms
By
using the Blog, you provide your consent to these Terms, either through
explicit agreement (e.g., clicking an “I Agree” button for account creation) or
implied consent (e.g., continuing to use the Blog). We use a “click wrap”
method where required to ensure enforceability, as recommended by international
contract law principles.
15.
Contact Us
If
you have questions about these Terms, please contact us at:
Email:
contacttofinanceforu@yahoo.com