TERMS AND CONDITIONS

Effective Date: 13-05-2025
Last Updated: 13-05-2025

Welcome to Financial Initiatives (https://financial-initiatives.com). These Terms and Conditions govern your use of our website and services. By accessing or using our website, you agree to be legally bound by these terms.

1. DEFINITIONS

• “Website” refers to financial-initiatives.com.

• “We”, “us”, and “our” refer to Financial Initiatives.

• “User”, “you”, and “your” refer to any individual or entity using the Website.

2. ACCEPTANCE OF TERMS

By using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions and our Privacy Policy.

3. USE OF THE WEBSITE

• You must be at least 18 years old.

• You agree to use this site for lawful purposes only.

• You shall not misuse, interfere with, or disrupt the website’s functionality.

4. INTELLECTUAL PROPERTY

All content, including text, graphics, images, logos, design, layout, and software, is our intellectual property or licensed to us and protected by applicable laws. Unauthorized use, copying, or distribution is strictly prohibited.

5. THIRD-PARTY LINKS

Our website may include links to third-party websites (e.g., financial tools, ad providers). We are not responsible for their content, accuracy, or privacy practices. Use of third-party sites is at your own risk.

6. USER-GENERATED CONTENT

Users may submit information, including email inquiries or comments. You retain ownership of your content but grant us a worldwide, royalty-free license to use, reproduce, and display it.

7. ADVERTISING AND AFFILIATE DISCLOSURE

This site displays advertisements via Google AdSense and may contain affiliate links. We may receive a commission if you purchase through such links, at no extra cost to you. Ads are served based on user data (see our Privacy Policy for more).

8. LIMITATION OF LIABILITY

We do not guarantee the accuracy, completeness, or usefulness of the information provided. We are not liable for any loss or damage arising from the use of this website.

9. MODIFICATION OF TERMS

We reserve the right to modify these Terms at any time. Continued use of the site constitutes acceptance of the updated terms.

10. TERMINATION

We may suspend or terminate access to the website at any time without notice, for any reason, including a breach of these Terms.

11. GOVERNING LAW

These terms are governed by the laws of the United Kingdom.