Terms of Service

These Terms of Service ("Terms") constitute a legally binding agreement between you and Finvora ("we", "our", or "us") governing your access to and use of the website finvora.com, our calculators, tools, newsletter, content, and any other services we provide (collectively, the "Services").

By accessing or using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, please do not access or use our Services.

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to this page, with the updated date reflected at the top. Your continued use of the Services after any changes indicates your acceptance of the revised Terms.

You must be at least 18 years old to use our Services. By using Finvora, you represent and warrant that you are of legal age and have the capacity to enter into a binding contract.

Account Registration

Some features of our Services may require you to create an account. When you register, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Maintain the security of your password and account credentials
• Accept responsibility for all activities that occur under your account
• Notify us immediately of any unauthorized use of your account

We reserve the right to suspend or terminate accounts that violate these Terms or remain inactive for an extended period.

Our Content

All content on Finvora — including articles, guides, calculators, graphics, logos, software, and code — is owned by Finvora or licensed to us and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works from, publicly display, or exploit our content without our prior written consent.

User Content

Any content you submit to Finvora — including comments, feedback, suggestions, or survey responses — becomes our property. By submitting content, you grant us a perpetual, irrevocable, royalty-free, worldwide license to use, reproduce, modify, publish, and distribute that content in any medium. You represent that you have the right to submit such content and that it does not violate any third-party rights.

Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use our Services for personal, non-commercial purposes. This license does not include:

• Resale or commercial use of any content or calculators
• Systematic downloading or scraping of content
• Removing copyright, trademark, or other proprietary notices
• Reverse engineering any part of our Services
• Using our content for training AI or machine learning models

You agree to use our Services only for lawful purposes and in a manner consistent with these Terms. Specifically, you agree not to:

• Use our Services in any way that violates applicable laws or regulations
• Engage in any activity that could damage, disable, or impair our Services or servers
• Attempt to gain unauthorized access to any part of our Services or systems
• Use automated means (bots, scrapers, crawlers) to access our Services without our permission
• Upload or transmit viruses, malware, or other harmful code
• Impersonate any person or entity, or misrepresent your affiliation with any person or entity
• Harvest or collect personal information about other users
• Use our calculators or tools to process data on behalf of third parties for commercial purposes

We reserve the right to investigate and take appropriate action against anyone who violates these rules, including removing content, suspending accounts, and reporting illegal activity to law enforcement.

Finvora participates in affiliate marketing programs. This means that when you click on certain links on our Site and apply for or purchase products from third-party providers, we may receive a commission or referral fee.

This does not affect you in any way — you do not pay more for products accessed through our affiliate links. Our editorial team selects products and services based on merit, research, and what we believe will genuinely benefit our readers. Affiliate relationships never influence our independent editorial judgments or recommendations.

Third-party sites linked from Finvora are not under our control. We are not responsible for the content, privacy practices, or terms of any third-party websites. We encourage you to review the terms and privacy policies of any external site you visit.

Finvora provides content, tools, and calculators for educational and informational purposes only. We are not a licensed financial advisor, broker, or investment professional. Nothing on our Site constitutes financial, legal, or tax advice.

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, 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 our Services will be uninterrupted, error-free, secure, or that any defects will be corrected. While we strive for accuracy, we do not guarantee that the information on our Site is complete, current, or free from errors.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, FINVORA AND ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, AND LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

• Loss of profits, revenue, or savings
• Loss of data or use
• Personal injury or property damage
• Any damages arising from decisions made based on our content or calculator outputs

This limitation applies regardless of the legal theory under which damages are sought (contract, tort, negligence, strict liability, or otherwise), even if we have been advised of the possibility of such damages.

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS EXCEED THE AMOUNT YOU HAVE PAID TO FINVORA FOR USE OF OUR SERVICES IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR ONE HUNDRED US DOLLARS ($100), WHICHEVER IS GREATER.

Some jurisdictions do not allow the exclusion or limitation of certain damages, so the above limitations may not apply to you.

You agree to defend, indemnify, and hold harmless Finvora and its affiliates, officers, employees, agents, and licensors from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from or relating to:

• Your use of our Services
• Any content you submit or transmit through our Services
• Your violation of these Terms
• Your violation of any third-party rights
• Your violation of applicable laws or regulations

We reserve the right to suspend or terminate your access to our Services at any time, with or without cause, and with or without notice, including for violations of these Terms.

Upon termination, all licenses and rights granted to you under these Terms will immediately cease. Provisions that by their nature should survive termination — including intellectual property rights, disclaimers, limitation of liability, and indemnification — shall survive.

You may stop using our Services at any time. If you wish to delete your account and associated data, please contact us at privacy@finvora.com.

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law principles.

Any dispute arising from or relating to these Terms or your use of our Services shall be resolved exclusively in the state or federal courts located in Delaware. You consent to the personal jurisdiction of such courts and waive any objection to venue in such courts.

Before initiating any formal legal proceedings, you agree to first contact us to attempt to resolve the dispute informally. We are committed to working with our users to find fair resolutions.

We may revise these Terms from time to time. The most current version will always be posted on this page with the "Last updated" date at the top. Material changes will be notified via a notice on our Site or via email to registered users.

By continuing to access or use our Services after changes become effective, you agree to be bound by the revised Terms. If you do not agree to the new Terms, you must stop using our Services.

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