Your Compliance with This Agreement

By accessing and using the AI FinSage website (the “Service”), you agree to be bound by these Terms of Use. If you do not agree to these terms (this “Agreement”) and our Privacy_Policy (the “Privacy Policy”), do not use our Service.

Your use of AI FinSage—whether by browsing, reading content, clicking links, submitting forms, or downloading resources—constitutes your acceptance of this agreement. This acceptance is automatic and continuous. Each time you visit our website, you reaffirm your agreement to follow these terms. 

If you are accessing AI FinSage on behalf of a business, organization, or another person, you represent and warrant that you have the legal authority to bind that entity or person to these Terms of Use.

Who Must Comply

These Terms of Use apply to all visitors, users, and anyone accessing AI FinSage in any way.

This includes:

• Individuals who browse our content
• Users who click affiliate links
• People who sign up for newsletters or forms
• Anyone downloading tools, calculators, or resources
• Individuals engaging with interactive features
• Visitors from any device or location

How Acceptance is Established

Acceptance is established through your continued use of our Service.

You accept these terms by:

1. Visiting and browsing any page on AI FinSage
2. Clicking “Agree” or similar acceptance buttons (if presented)
3. Using any feature, tool, or interactive element on our site
4. Accessing content, downloading resources, or clicking links
5. Continuing to use the Service after being notified of changes to these terms

There is no need to sign a separate agreement. Your actions on our website serve as your acceptance.

Your Responsibility to Know These Terms

You are responsible for reviewing and understanding these Terms of Use.

We encourage you to read this entire agreement carefully. If you have questions about any clause, contact us at iamishemma@gmail.com before using our Service. Lack of familiarity with these terms does not excuse non-compliance.

Changes to These Terms

AI FinSage reserves the right to modify these Terms of Use at any time.

We will post changes on this page and update the “Last Updated” date at the top. Continued use of the Service after changes become effective means you accept the updated terms. We recommend checking this page periodically for updates.

If a change significantly affects your rights or obligations, we will make reasonable efforts to notify you via email or a prominent notice on our website.

Age and Eligibility

You must be at least 18 years old to use AI FinSage.

By using our Service, you represent and warrant that you are at least 18 years of age and possess the legal authority to enter into this agreement. We do not knowingly permit users under 18 to use our Service.

Prohibited Use

You agree not to use AI FinSage in any unlawful or prohibited manner.

You specifically agree not to:

• Violate any applicable laws or regulations
• Infringe on the intellectual property rights of AI FinSage or third parties
• Harass, threaten, or defame anyone through our Service
• Upload malware, viruses, or harmful code
• Attempt to gain unauthorized access to our systems
• Scrape, bulk download, or automate access to our content without permission
• Use our Service for spam, phishing, or fraudulent purposes
• Circumvent security measures or bypass login restrictions
• Sell, transfer, or exploit access to our Service

Purpose of the Site

AI FinSage provides educational content, reviews, and affiliate links related to AI-driven personal finance products and services. Our goal is to help you discover tools and information to better manage your money using the latest artificial intelligence technologies.

All content on AI FinSage is for informational purposes only and should not be considered financial, legal, or investment advice. While we strive to provide accurate, up-to-date information, we do not guarantee the completeness or suitability of the content for your personal situation.

You agree that any financial decisions you make based on information from AI FinSage are made at your own risk. We strongly recommend consulting with a licensed financial advisor before making significant financial decisions.

Usage Restrictions:

• You may use the content for personal, non-commercial purposes only.
• You may not copy, distribute, or republish content without explicit permission.
• Affiliate links are clearly identified, and we may receive commissions for purchases made through those links, but this does not influence our editorial integrity.

By using AI FinSage, you acknowledge and accept these conditions and agree to use the content responsibly and ethically.

Your Access and Use of our Services.

User Responsibilities / Your Access and Use of Our Services — Permitted Uses and Prohibited Conduct

1. You agree to use AI FinSage only for lawful and personal purposes in accordance with these Terms of Use.
2. Permitted uses include: reading content, accessing educational materials, using tools and calculators, exploring affiliate product reviews, and contacting us via support channels.
3. You must not:
   • Violate any applicable laws or regulations while using the site.
   • Copy, reproduce, distribute, or create derivative works from our content without permission.
   • Engage in activities that disrupt, damage, or interfere with the site or other users’ access.
   • Attempt to gain unauthorized access to any part of the website or servers.
   • Use automated means such as bots or scraping tools to extract data.
   • Upload or transmit any harmful code, malware, or viruses.
   • Use the Service to send spam, phishing attempts, or fraudulent communications.
4. You are responsible for maintaining confidentiality of any login information or credentials related to AI FinSage services.
5. We reserve the right to suspend or deny access to anyone violating these terms or engaging in harmful conduct.

This clause establishes clear expectations for users regarding legal and ethical use of AI FinSage services and content.

Our Intellectual Property Rights 

All content on AI FinSage, including text, images, logos, graphics, videos, software, and design elements, is the property of AI FinSage or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may view, download, and print content from AI FinSage for your personal, non-commercial use only. Any other use, including copying, modifying, distributing, or reproducing content without prior written permission, is strictly prohibited.

Examples of prohibited behavior include but are not limited to:

• Republishing our articles or images on other websites or platforms
• Selling or licensing our content in any form
• Using our logos or trademarks without authorization
• Creating derivative works based on our intellectual property without permission

AI FinSage respects the intellectual property rights of others and expects users to do the same. If you believe your intellectual property rights have been violated on our site, please contact us immediately at iamishemma@gmail.com 

By using AI FinSage, you agree to respect these rights and not infringe upon our intellectual property or that of others.

Affiliate Relationships and Disclosures 

AI FinSage participates in affiliate marketing programs and may earn commissions when you purchase products or services through links provided on our website. This means we may receive compensation if you click on affiliate links and complete a purchase.

Our affiliate relationships do not influence the content, reviews, or recommendations we provide. We only promote products and services that we believe are valuable and relevant to our users.

We strive to make all affiliate links and relationships clear and visible throughout the website so you can make informed decisions.

By using AI FinSage, you acknowledge and accept that some links may be affiliate links, and you agree to our affiliate relationship disclosures.

If you have any questions about our affiliate partnerships, please contact us at iamishemma@gmail.com 

No Warranties and Limitations on Liability

AI FinSage provides its services and content “as is” without any warranties of any kind, either express or implied. We do not guarantee that the information provided is always accurate, complete, current, or error-free. Your use of the site and its content is at your own risk.

AI FinSage expressly disclaims all warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement. We are not responsible for any damages or losses resulting from your reliance on the information, use of affiliate products, or interactions through our website.

In no event shall AI FinSage, its affiliates, licensors, or partners be liable for any indirect, incidental, special, consequential, or punitive damages arising out of your use or inability to use the site, even if advised of the possibility of such damages.

You agree to hold AI FinSage harmless from any claims, damages, or losses arising from your use of the content or services beyond what is allowed by law. 

Your Indemnification of Us 

You agree to indemnify, defend, and hold harmless AI FinSage, its affiliates, partners, officers, employees, and agents from any claims, liabilities, damages, losses, or expenses—including reasonable legal fees—arising out of or related to:

• Your violation of these Terms of Use
• Your use of the AI FinSage website or services
• Your user-generated content or submissions to the site
• Your violation of any rights of a third party

This means if you cause harm or legal action against us due to your actions while using our site, you are responsible for protecting us and covering any resulting costs.

User-Generated Content

You are responsible for any content you submit, post, or transmit on AI FinSage, including comments, reviews, messages, or other materials (“User Content”). By submitting User Content, you grant AI FinSage a non-exclusive, royalty-free, worldwide license to use, display, reproduce, and distribute this content on the site and in related promotional materials.

AI FinSage reserves the right to review, edit, remove, or refuse any User Content that violates these Terms of Use, is unlawful, offensive, harmful, or otherwise inappropriate in our sole discretion. We do not endorse User Content and are not responsible for its accuracy or legality.

You agree not to post User Content that:

• Infringes on any intellectual property or privacy rights
• Contains defamatory, obscene, or hateful language
• Includes spam, advertisements, or unauthorized solicitations
• Contains viruses, malware, or harmful code

By posting User Content, you represent that you have all necessary rights to grant this license and that your content complies with all laws.

Governing Law and Dispute Resolution

These Terms of Use are governed by the laws of [Your State/Country], without regard to its conflict of law principles. By using AI FinSage, you agree that any legal disputes arising from these terms or your use of the site will be resolved in the courts located in [Your Jurisdiction].

Before starting any legal action, you agree to try to resolve disputes informally by contacting us at [your contact email]. We pledge to work with you in good faith to address concerns fairly and promptly.

If informal resolution fails, disputes will proceed through binding arbitration or mediation, as decided by mutual agreement, to avoid lengthy court proceedings. Arbitration will be conducted in accordance with applicable arbitration rules in [Your Jurisdiction].

You agree not to bring or participate in any class action lawsuits or representative actions against AI FinSage. Any claim or dispute must be brought individually.

Amendments of this Agreement

AI FinSage may update or modify these Terms of Use from time to time to reflect changes in our services, legal requirements, or business practices.

When we make changes, we will post the updated Terms on this page and update the “Last Updated” date at the top.

For significant changes that affect your rights or obligations, we will provide additional notice by email or a clear notification on our website.

Your continued use of AI FinSage after these changes take effect means you accept the new Terms.

If you do not agree with any change, you must stop using our Service immediately.

We encourage you to review these Terms periodically to stay informed about updates.