Terms of Service

Last Updated: October 26, 2023

Welcome to FinLitPro! These Terms of Service ("Terms") govern your use of our website located at [Your Website URL] (the "Site") and any related services provided by FinLitPro (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use our Services. We encourage you to read these Terms carefully.

1. Use of Our Services

Eligibility: You must be at least 13 years old to use our Services. If you are under 18, you represent that you have your parent or guardian’s permission to use the Services.

Account Registration: To access certain features of our Services, you may need to register for an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete. You are responsible for safeguarding your password and for all activities that occur under your account.

Prohibited Conduct: You agree not to use the Services for any unlawful purpose or in any way that interrupts, damages, or impairs the service. Prohibited activities include, but are not limited to: distributing viruses, spam, or any other harmful software; attempting to gain unauthorized access to our systems or user accounts; and engaging in any activity that interferes with another user's enjoyment of the Services.

2. Intellectual Property Rights

The Services and their 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 FinLitPro, its licensors, or other providers of such material and are protected by international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. These Terms permit you to use the Services for your personal, non-commercial use only. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Services, except as generally permitted through the Services according to these Terms.

3. User Content

If you post, upload, or make available any content, data, or information on or through the Services ("User Content"), you grant FinLitPro a perpetual, worldwide, non-exclusive, royalty-free, sublicensable, and transferable license to use, reproduce, distribute, prepare derivative works of, display, and perform your User Content in connection with the Services and FinLitPro's (and its successors' and affiliates') business, including for promoting and redistributing part or all of the Services. You represent and warrant that you own or have the necessary licenses, rights, consents, and permissions to publish User Content you submit.

4. Disclaimers

The information provided by FinLitPro through the Services is for general informational and educational purposes only. All information on the Services is provided in good faith; however, we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the Services. The Services are not intended to provide, and should not be relied on for, financial, investment, legal, accounting, or tax advice. Before making any financial decisions, it is important to consult with a qualified professional. Your use of the Services and your reliance on any information on the Services is solely at your own risk.

5. Limitation of Liability

To the fullest extent permitted by applicable law, in no event will FinLitPro, 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 Services, any websites linked to them, any content on the Services 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 FinLitPro, 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 Services, including, but not limited to, your User Content, any use of the Service's content, services, and products other than as expressly authorized in these Terms.

7. Governing Law and Jurisdiction

These Terms shall be governed and construed in accordance with the laws of [Your Jurisdiction/Country], without regard to its conflict of law provisions. Any legal suit, action, or proceeding arising out of, or related to, these Terms or the Services shall be instituted exclusively in the federal courts of [Your Country] or the courts of [Your State/Region] located in [Your City/County], although we retain the right to bring any suit, action, or proceeding against you for breach of these Terms in your country of residence or any other relevant country.

8. Changes to Terms of Service

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will make reasonable efforts to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Services after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, in whole or in part, please stop using the website and the Services.

9. Contact Us

If you have any questions about these Terms of Service, please contact us: