Terms of Service

1. Acceptance of Terms

By accessing or using finwisehub.co (the "Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Site. These Terms apply to all visitors, users, and others who access or use the Site.

We reserve the right to modify these Terms at any time. Changes are effective immediately upon posting. Your continued use of the Site after changes constitutes your acceptance of the revised Terms.

2. Description of Service

FinWise Hub provides personal finance articles, guides, analysis, and educational resources covering topics including investing, insurance, cryptocurrency, AI financial tools, and savings. Our content is intended to educate and inform, not to replace professional financial advice.

3. No Financial Advice Disclaimer

The content published on FinWise Hub is for informational and educational purposes only. It does not constitute:

• Financial advice or recommendations
• Investment advice or solicitation
• Tax advice or legal advice
• Insurance advice

All financial decisions carry risk. Past performance of any investment is not indicative of future results. You should consult with a qualified financial advisor, accountant, or attorney before making any financial decisions. We are not liable for any losses or damages resulting from reliance on our content.

4. Intellectual Property

All content on this Site, including but not limited to text, articles, graphics, logos, images, and software, is the property of FinWise Hub or its content suppliers and is protected by applicable copyright and intellectual property laws.

You may view and print content for personal, non-commercial use only. You may not reproduce, distribute, modify, create derivative works, publicly display, or exploit any content from our Site without our express written permission.

5. User Conduct

You agree not to use the Site to:

• Violate any applicable laws or regulations
• Transmit spam, malware, or harmful code
• Scrape, crawl, or systematically copy content without permission
• Impersonate any person or entity
• Interfere with or disrupt the Site's functionality
• Attempt to gain unauthorized access to any portion of the Site
• Engage in any activity that could damage our reputation or business

6. Third-Party Links and Content

Our Site may contain links to third-party websites, advertisers, or services that are not owned or controlled by FinWise Hub. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites.

We may receive compensation for links to third-party products and services (affiliate links). This does not influence our editorial content. See our How We Make Money page for full disclosure.

7. Advertising

Our Site displays advertisements served by third-party advertising networks, including Google AdSense. These advertisers may use cookies and similar technologies to serve ads based on your interests. We are not responsible for the content of advertisements displayed on our Site.

We do not endorse the products or services advertised on our Site unless explicitly stated. Advertisement placement does not imply editorial endorsement.

8. Disclaimer of Warranties

THE SITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components. We do not warrant the accuracy, completeness, or timeliness of any information on the Site.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FINWISE HUB SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES ARISING FROM YOUR USE OF THE SITE.

Our total liability to you for any claims arising from use of the Site shall not exceed $100 USD or the amount you paid us in the 12 months preceding the claim, whichever is greater.

10. Governing Law

These Terms shall be governed by and construed in accordance with applicable laws. Any disputes arising from these Terms or your use of the Site shall be resolved through binding arbitration or in the courts of competent jurisdiction.

11. Termination

We reserve the right to terminate or suspend your access to the Site at our sole discretion, without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties.

12. Contact

Questions about these Terms? Contact us at legal@finwisehub.co or via our Contact page.