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1. Acceptance of Terms
Welcome to FinLitPro ("us," "we," or "our"). By accessing or using the FinLitPro website and its services (collectively, the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to all of these Terms, please do not use the Service. We reserve the right to modify or replace these Terms at any time. If a revision is material, we will 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. Your continued use of the Service after any such changes constitutes your acceptance of the new Terms. It is your responsibility to review these Terms periodically for changes.
2. Use of the Service
You agree to use our Service for lawful purposes only and in a manner that does not infringe the rights of, restrict, or inhibit anyone else's use and enjoyment of the Service. Prohibited behavior includes harassing or causing distress or inconvenience to any other user, transmitting obscene or offensive content, or disrupting the normal flow of dialogue within our Service. You must not use our website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software. You must not conduct any systematic or automated data collection activities on or in relation to our website without our express written consent.
3. Intellectual Property Rights
The Service and its original content (excluding content provided by users), features, and functionality are and will remain the exclusive property of FinLitPro and its licensors. The Service is protected by copyright, trademark, and other laws of both our country and foreign countries. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of FinLitPro. This includes all text, graphics, logos, icons, images, audio clips, video clips, data compilations, and software. You are granted a limited license only, subject to the restrictions provided in these Terms, for purposes of viewing the material contained on this Service.
4. User Accounts (if applicable)
If you create an account with us, you must provide information that is accurate, complete, and current at all times. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of your account on our Service. You are responsible for safeguarding the password that you use to access the Service and for any activities or actions under your password, whether your password is with our Service or a third-party service. You agree not to disclose your password to any third party. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account. You may not use as a username the name of another person or entity or that is not lawfully available for use, a name or trademark that is subject to any rights of another person or entity other than you, without appropriate authorization.
5. Disclaimers and Limitation of Liability
The information provided by FinLitPro is for general informational and educational purposes only. All information on the Service 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 Service. The Service is not intended to provide financial, investment, legal, or tax advice. You should consult with a qualified professional before making any financial decisions. Your use of the Service is at your sole risk. The Service is provided on an "AS IS" and "AS AVAILABLE" basis. To the fullest extent permissible by applicable law, FinLitPro disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement. FinLitPro does not warrant that the Service will be uninterrupted, timely, secure, or error-free, that defects will be corrected, or that the Service or the server that makes it available are free of viruses or other harmful components.
In no event shall FinLitPro, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Service; (ii) any conduct or content of any third party on the Service; (iii) any content obtained from the Service; and (iv) unauthorized access, use or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence) or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.
6. Indemnification
You agree to defend, indemnify and hold harmless FinLitPro and its licensee and licensors, and their employees, contractors, agents, officers and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees), resulting from or arising out of a) your use and access of the Service, by you or any person using your account and password; b) a breach of these Terms, or c) Content posted on the Service. This indemnification obligation will survive the termination of these Terms and your use of the Service.
7. Governing Law
These Terms shall be governed and construed in accordance with the laws of our jurisdiction, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements we might have had between us regarding the Service.
8. Termination
We may terminate or suspend your access to our Service immediately, without prior notice or liability, for any reason whatsoever, including, without limitation, if you breach the Terms. Upon termination, your right to use the Service will immediately cease. If you wish to terminate your account, you may simply discontinue using the Service. All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.
9. Contact Information
If you have any questions about these Terms, please contact us via the information provided on our Contact Us page. We are committed to addressing your concerns and will endeavor to respond to all inquiries in a timely manner. Your feedback is important to us as we strive to improve our services and ensure a transparent and fair user experience.