FinanceFlow

Terms of Service

Effective date:

Welcome to FinanceFlow. These Terms of Service ("Terms") govern your access to and use of our website at https://financeflownews.com (the "Site"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.

1. Acceptance of Terms

By using the Site, you confirm that you have read, understood, and agree to these Terms, our Privacy Policy, and our Disclaimer. Together, these documents form the entire agreement between you and FinanceFlow regarding your use of the Site.

2. Nature of Content

All content on the Site — including articles, analysis, opinions, data, charts, and tools — is provided for informational and educational purposes only. Nothing on the Site constitutes financial, investment, tax, legal, or other professional advice. For a detailed explanation, please read our Financial Disclaimer.

3. Eligibility

You must be at least 18 years old to use the Site. By using the Site, you represent and warrant that you are at least 18 years of age and have the legal capacity to enter into these Terms.

4. Intellectual Property

All content on the Site — including text, graphics, logos, images, data compilations, and software — is the property of FinanceFlow or its content providers and is protected by United States and international copyright, trademark, and other intellectual property laws.

You may not:

  • Reproduce, distribute, or republish any content without prior written permission
  • Use our content to train AI models, machine learning systems, or generative AI tools without explicit written consent
  • Modify, create derivative works from, or reverse-engineer any part of the Site
  • Frame or mirror any portion of the Site on another website

Brief excerpts may be used with proper attribution and a link back to the original article, in accordance with fair use principles.

5. User Conduct

When using the Site, you agree not to:

  • Use the Site for any unlawful purpose or in violation of any applicable law
  • Attempt to gain unauthorized access to any portion of the Site, its servers, or connected systems
  • Interfere with or disrupt the operation of the Site or its infrastructure
  • Use automated tools (bots, scrapers, crawlers) to access or extract content beyond what is permitted by our robots.txt file
  • Transmit any malware, viruses, or other harmful code
  • Impersonate any person or entity, or misrepresent your affiliation

6. Third-Party Links

The Site may contain links to third-party websites or resources. These links are provided for your convenience only. We do not endorse, control, or assume responsibility for the content, privacy practices, or availability of any third-party sites. Accessing them is at your own risk.

7. Advertising

The Site displays third-party advertisements through Google AdSense and may feature sponsored content. Advertisements and sponsored content are clearly distinguished from editorial content. The presence of an advertisement does not constitute an endorsement of the advertiser or their products/services. See our Advertising page for more information.

8. Newsletter

If you subscribe to our newsletter, you agree to receive periodic emails about personal finance news, analysis, and related content. You may unsubscribe at any time by clicking the "unsubscribe" link in any email or by contacting us. Your email address will be handled in accordance with our Privacy Policy.

9. Disclaimer of Warranties

The Site and its content are provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, accuracy, completeness, or non-infringement.

We do not warrant that the Site will be uninterrupted, error-free, secure, or free of viruses or other harmful components, or that defects will be corrected.

10. Limitation of Liability

To the fullest extent permitted by law, FinanceFlow, its owners, editors, contributors, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages — including but not limited to financial losses, loss of data, or loss of profits — arising out of or related to your use of, or inability to use, the Site or its content.

In any event, our total aggregate liability to you for all claims arising out of or relating to the Site shall not exceed $100 USD.

11. Indemnification

You agree to indemnify, defend, and hold harmless FinanceFlow and its owners, editors, contributors, and affiliates from and against any and all claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Site, your violation of these Terms, or your violation of any rights of another person or entity.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in Los Angeles County, California.

13. Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable.

14. Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated effective date. Your continued use of the Site after changes are posted constitutes acceptance of the revised Terms. We encourage you to review this page periodically.

15. Contact Us

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