Terms of Use

11 August 2025, 09:11 publishedUpdated 11 August 2025, 09:11

Last updated: August 11, 2025

1. Acceptance of Terms

By accessing and using PersonalFinanceTime.com (the “Site”), you accept and agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree with these terms, please do not use our site.

2. Changes to the Terms

We reserve the right to modify or update these Terms at any time. We recommend reviewing this page periodically. Continued use of the Site after changes constitutes acceptance of the revised Terms.

3. Intellectual Property Rights

All content published on this Site—including articles, logos, images, and videos—is the property of Personal Finance Time (a division of Advendy LLC) unless otherwise stated. Unauthorized use or reproduction is strictly prohibited.

4. User Conduct

You agree not to use the Site:

For any unlawful purpose
To spam, phish, or collect personal data without consent
To upload or distribute malicious software
To interfere with the site’s functionality or other users’ experience

This website is intended for individuals aged 13 and over. If you are under 13 (or the applicable age of digital consent in your jurisdiction), please do not use this website or submit any personal information.

5. Third-Party Links

Our Site may contain links to external websites. We are not responsible for the content, accuracy, or practices of any linked third-party site.

6. Disclaimer of Warranties

All information provided on this Site is for informational purposes only. We make no guarantees of accuracy, completeness, or reliability and disclaim all warranties to the fullest extent permitted by law.

The content on Personal Finance Time is provided for informational and educational purposes only. It does not constitute financial, investment, tax, accounting, or legal advice, nor does it take into account your objectives, financial situation, or needs. You should consult a qualified professional before making any financial decisions.

7. Limitation of Liability

To the maximum extent permitted by law, AdvenDy LLC and its affiliates, officers, employees, and contributors shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or any loss of profits, revenues, data, goodwill, or other intangible losses, arising out of or related to your use of the website or reliance on any content.

8. Governing Law

You agree that any dispute, claim, or controversy arising out of or relating to these Terms or your use of the website shall be resolved by binding arbitration on an individual basis, and not in a class or representative action. The arbitration shall take place in Dover, Delaware, under the rules of the American Arbitration Association (AAA). Judgment on the award may be entered in any court of competent jurisdiction. You and we each waive any right to a jury trial.