Introduction

Welcome to Finnaset (“we,” “our,” or “us”). These Terms of Service (“Terms”) govern your access to and use of our website, blog, and services. By accessing or using Finnaset, you agree to be bound by these Terms.

Our Mission

Finnaset is dedicated to providing accessible financial education and information to help individuals, particularly single mothers, students, and low-income families, make informed financial decisions. We believe in empowering our community through knowledge and practical guidance.

Acceptance of Terms

By using our website, 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 use our services.

What We Provide

Educational Content

• Blog articles on personal finance topics
• Budgeting tips and strategies
• Debt management information
• Savings and investment education
• Financial planning resources
• Career and income development guidance

Target Audience

Our content is specifically designed for:

• Single mothers managing household finances
• Students learning financial responsibility
• Low-income families seeking financial stability
• Anyone seeking basic financial education

Your Obligations

Age Requirements

You must be at least 18 years old to use our services. If you are under 18, you may only use our services with parental or guardian supervision.

Accurate Information

If you provide any information to us (such as through contact forms or comments), you agree that such information will be accurate, current, and complete.

Prohibited Uses

You agree NOT to use our services for:

• Any illegal or unauthorized purpose
• Violating any applicable laws or regulations
• Transmitting viruses, malware, or harmful code
• Attempting to gain unauthorized access to our systems
• Harassing, abusing, or harming other users
• Impersonating any person or entity
• Collecting personal information from other users
• Using our content for commercial purposes without permission

Content Guidelines

When interacting with our community (comments, emails, etc.), please:

• Be respectful and constructive
• Avoid spam or promotional content
• Respect others’ privacy
• Stay on-topic and relevant
• Report inappropriate content

Legal Disclaimers

Educational Purpose Only

Our content is designed to educate and inform. Before making any financial decisions, you should:

• Consult with qualified financial professionals
• Conduct your own research
• Consider your personal circumstances
• Understand the risks involved

No Guarantee of Results

We make no guarantees about the effectiveness of any strategies, tips, or information provided on our website. Financial success depends on many factors including individual circumstances, market conditions, and personal execution.

Third-Party Links

Our website may contain links to third-party websites or services. We are not responsible for the content, privacy policies, or practices of these external sites. We recommend reviewing their terms and policies before engaging with them.

Accuracy of Information

While we strive to provide accurate and up-to-date information, we cannot guarantee the completeness, accuracy, or timeliness of our content. Financial laws, regulations, and best practices may change over time.

Your Privacy Matters

Information We Collect

We may collect the following types of information:

• Email addresses (for newsletters or contact forms)
• Website usage data (through analytics)
• Comments and feedback you provide
• Technical information (IP address, browser type)

How We Use Your Information

• To provide and improve our services
• To send newsletters (with your consent)
• To respond to your inquiries
• To analyze website performance
• To comply with legal obligations

Data Protection

We implement appropriate security measures to protect your personal information. However, no method of transmission over the internet is 100% secure.

Your Rights

You have the right to:

• Access your personal data
• Correct inaccurate information
• Request deletion of your data
• Unsubscribe from communications
• File complaints with data protection authorities

Content Ownership

Our Content

All content on Finnaset, including but not limited to text, graphics, logos, images, and software, is the property of Finnaset or its content suppliers and is protected by copyright and other intellectual property laws.

Your Use of Our Content

You may:

• View and read our content for personal, non-commercial use
• Share links to our articles on social media
• Quote brief excerpts with proper attribution

You may NOT:

• Copy or reproduce our content without permission
• Use our content for commercial purposes
• Modify or create derivative works
• Remove copyright notices or attributions

User-Generated Content

When you submit content to us (comments, emails, feedback), you grant us a non-exclusive, royalty-free license to use, modify, and display such content in connection with our services.

DMCA Compliance

We respect intellectual property rights. If you believe your copyrighted work has been infringed, please contact us with a detailed DMCA notice.

Understanding Our Liability

No Warranties

We disclaim all warranties, including:

• Merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy or completeness of information
• Uninterrupted or error-free service

Limitation of Damages

To the fullest extent permitted by law, Finnaset shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits or income
• Loss of data or information
• Financial losses from following our content
• Opportunity costs
• Business interruption

Maximum Liability

In no event shall our total liability exceed the amount you paid to us in the twelve months preceding the claim (which would be $0 for our free content).

Indemnification

You agree to indemnify and hold harmless Finnaset from any claims, damages, or expenses arising from your use of our services or violation of these Terms.

Modifications to Terms

Updates to These Terms

We may update these Terms from time to time. When we do:

• We will post the updated Terms on our website
• We will update the “Last Updated” date
• For significant changes, we may notify users via email