Effective Date: February 22, 2025

Last Updated: February 22, 2025

Welcome to securefintrade.org (referred to as “we,” “us,” or “our”). These Terms of Use (“Terms”) govern your access to and use of our website, including all content, features, and services provided therein (collectively, the “Website”). By accessing or using the Website, you agree to be bound by these Terms, regardless of whether you are located in the United States, United Kingdom, European Union, Australia, Japan, South Korea, Taiwan, Singapore, Hong Kong, China, or elsewhere.

If you do not agree with these Terms, please do not use the Website.

1. Acceptance of Terms

By using the Website, you confirm that you are at least 18 years old (or the age of majority in your jurisdiction) and have the legal capacity to enter into these Terms. These Terms constitute a binding agreement between you and us.

2. Nature of the Website

The Website operates as a financial affiliate marketing blog, providing information, reviews, and recommendations about financial products and services (e.g., loans, credit cards, investments). We may earn commissions through affiliate links when you click on or purchase products/services via these links. All content is for informational purposes only and does not constitute financial, legal, or professional advice.

3. User Responsibilities

As a user, you agree to:

  • Use the Website only for lawful purposes and in compliance with applicable local, national, and international laws.
  • Not misuse the Website by introducing viruses, malware, or any harmful code.
  • Not reproduce, duplicate, or exploit any part of the Website without our prior written consent, except as permitted by law.
  • Accept full responsibility for any decisions made based on the Website’s content.

4. Intellectual Property

  • All content on the Website, including text, graphics, logos, and images, is owned by us or our licensors and protected by copyright, trademark, and other intellectual property laws.
  • You may view and use the Website for personal, non-commercial purposes. Any other use, including reproduction, distribution, or modification, requires our express written permission.

5. Affiliate Links and Third-Party Content

  • The Website contains affiliate links to third-party websites, products, or services. We are not responsible for the accuracy, availability, or quality of these third-party offerings.
  • Clicking affiliate links or engaging with third-party services is at your own risk. We encourage you to review the terms and privacy policies of those third parties.

6. Disclaimers

  • No Financial Advice: The information provided on the Website is for general informational purposes only and should not be considered financial, investment, or legal advice. Consult a qualified professional before making financial decisions.
  • No Warranties: The Website is provided “as is” and “as available,” without warranties of any kind, express or implied, including accuracy, completeness, or fitness for a particular purpose.
  • Risk: You assume all risks arising from your use of the Website, including financial losses from acting on its content.

7. Limitation of Liability

To the fullest extent permitted by law:

  • We, our affiliates, and our partners shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Website, including but not limited to financial losses, data loss, or service interruptions.
  • Our total liability, if any, shall not exceed the amount you paid us (if applicable), which is typically zero for a free-access website.

8. Indemnification

You agree to indemnify and hold us, our affiliates, officers, and agents harmless from any claims, losses, or damages (including legal fees) arising from your breach of these Terms or your use of the Website.

9. Termination

  • We reserve the right to suspend or terminate your access to the Website at our sole discretion, without notice, for any reason, including if we believe you have violated these Terms.
  • Upon termination, your right to use the Website ceases immediately, but these Terms’ provisions (e.g., disclaimers, liability limits) will survive.

10. Governing Law and Jurisdiction

  • These Terms are governed by the laws of “the State of California, United States”, without regard to conflict of law principles.
  • Any disputes arising from these Terms shall be resolved in the courts of “the State of California, United States”, unless local laws mandate otherwise (e.g., EU consumer rights may allow disputes in your home jurisdiction).

11. Changes to These Terms

We may update these Terms from time to time to reflect changes in our practices or legal requirements. Updates will be posted on this page with a revised “Last Updated” date. Continued use of the Website after changes constitutes your acceptance of the revised Terms.

12. Regional Considerations

We aim to comply with applicable laws in your region:

  • United States: Includes compliance with federal and state laws (e.g., California’s CCPA protections).
  • United Kingdom/EU: Adheres to consumer rights under UK law and EU directives.
  • Australia: Respects the Australian Consumer Law.
  • Japan: Aligns with the Act on the Protection of Personal Information (APPI).
  • South Korea: Complies with the Personal Information Protection Act (PIPA).
  • Taiwan: Follows the Personal Data Protection Act (PDPA).
  • Singapore: Adheres to the Personal Data Protection Act (PDPA).
  • Hong Kong: Conforms to the Personal Data (Privacy) Ordinance.
  • China: Meets requirements under the Personal Information Protection Law (PIPL).

13. Contact Us

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

  • Address: None

14. Miscellaneous

  • Severability: If any provision of these Terms is found unenforceable, the remaining provisions will remain in effect.
  • Entire Agreement: These Terms, along with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and us regarding the Website.
  • No Waiver: Our failure to enforce any right or provision does not constitute a waiver of that right or provision.

This Terms of Use document is designed to be broadly compliant with:

  • United States: Federal and state laws (e.g., UCC, CCPA).
  • United Kingdom/EU: Consumer Contracts Regulations, GDPR-related rights.
  • Australia: Australian Consumer Law.
  • Japan: Consumer Contract Act, APPI.
  • South Korea: PIPA, E-Commerce Act.
  • Taiwan: PDPA, Consumer Protection Law.
  • Singapore: PDPA, Electronic Transactions Act.
  • Hong Kong: PDPO, general contract law.
  • China: PIPL, Civil Code provisions.

 

Scroll to Top