Terms and Conditions

Effective Date: [Insert Date]

Welcome to Pinoy Financial Reviews (“the Website”). By accessing or using our Website, you agree to comply with and be bound by the following Terms and Conditions, which, together with our Privacy Policy, govern your use of the Website.

If you do not agree with any part of these Terms and Conditions, you must not use this Website.

1. Use of Website

1.1. This Website provides financial reviews, comparisons, and related information. The information provided is for informational purposes only and should not be construed as financial advice. You are solely responsible for making your own decisions based on the information found on the Website.

1.2. We do not guarantee the accuracy, completeness, or timeliness of the information provided, and you acknowledge that there may be errors, omissions, or outdated information.

1.3. You agree to use this Website only for lawful purposes. You must not use the Website in a way that could damage, disable, or impair the Website or interfere with any other party’s use of the Website.

2. Content and Intellectual Property

2.1. All content on this Website, including but not limited to text, images, videos, and other materials, is the intellectual property of [Your Website Name] unless otherwise stated. You are prohibited from reproducing, distributing, or otherwise exploiting the content without prior written consent.

2.2. Any trademarks, service marks, logos, or other proprietary marks displayed on the Website are the property of their respective owners.

3. Third-Party Links and Services

3.1. The Website may contain links to third-party websites, services, or products. These links are provided for your convenience and do not constitute an endorsement or approval of the third-party content. We are not responsible for the content, accuracy, or practices of such third-party websites.

3.2. Your use of any third-party services or products is at your own risk, and we recommend that you review their terms and conditions before engaging with them.

4. Affiliate Disclosure

4.1. [Your Website Name] may participate in affiliate marketing programs and may receive commissions or referral fees for purchases made through affiliate links provided on the Website. This does not influence the reviews or opinions expressed on the Website.

5. Limitation of Liability

5.1. In no event will [Your Website Name] or its owners, affiliates, employees, or partners be liable for any direct, indirect, incidental, or consequential damages arising out of your use of the Website or reliance on any information provided.

5.2. The Website is provided on an “as-is” basis, and we make no warranties, express or implied, regarding the Website’s availability, accuracy, or reliability.

6. Financial Disclaimer

6.1. [Your Website Name] does not provide financial advice. The content on this Website is for informational purposes only and should not be considered a substitute for professional financial advice. You should consult with a qualified financial advisor before making any financial decisions.

6.2. We are not responsible for any financial losses or damages that may result from your reliance on the information provided on the Website.

7. Indemnification

7.1. You agree to indemnify and hold harmless [Your Website Name], its owners, employees, and affiliates from any claims, damages, losses, liabilities, or expenses arising out of your use of the Website, your violation of these Terms, or your infringement of any third-party rights.

8. Changes to Terms and Conditions

8.1. We reserve the right to modify or update these Terms and Conditions at any time without prior notice. By continuing to use the Website, you agree to be bound by the updated Terms.

8.2. It is your responsibility to regularly review the Terms and Conditions to stay informed of any changes.

9. Termination

9.1. We reserve the right to terminate or suspend your access to the Website at any time, without notice, for any reason, including but not limited to a violation of these Terms.

10. Governing Law

10.1. These Terms and Conditions are governed by and construed in accordance with the laws of Your Country/State. Any disputes arising out of or related to the use of this Website shall be subject to the exclusive jurisdiction of the courts in Your Country/State.

11. Contact Information

11.1. If you have any questions or concerns about these Terms and Conditions, please contact us at [email protected]