Terms of Service

1. Acceptance of Terms

By accessing or using the website at finworlder.com (the "Site"), you agree to be bound by these Terms of Service ("Terms") and our Privacy Policy and Cookie Policy. If you do not agree to these Terms, you must not use the Site.

These Terms constitute a legally binding agreement between you and finworlder. We reserve the right to modify these Terms at any time. Continued use of the Site after modifications constitutes your acceptance of the updated Terms.

2. About the Site

finworlder.com is a free, non-commercial educational website providing general information and commentary on macroeconomics, global finance, and related subjects. The Site is intended for informational and educational purposes only.

We are not a financial institution, investment firm, broker, dealer, financial advisor, or any type of regulated financial services provider. We do not hold any financial services license or authorization in any jurisdiction.

3. No Financial or Professional Advice

Nothing on this Site constitutes financial advice, investment advice, legal advice, tax advice, or any other form of professional advice. All content is provided for general educational and informational purposes only.

You should not rely on any information on this Site as a basis for making investment decisions, financial commitments, or any other decisions that could have economic consequences for you. Before making any such decisions, you should consult a qualified, licensed professional who is familiar with your individual circumstances.

Past economic data, trends, and examples discussed on this Site are for illustrative and educational purposes only. They do not predict or guarantee any future outcomes.

4. Intellectual Property

All original content on this Site — including text, graphics, logos, and the overall design — is the property of finworlder and is protected by applicable intellectual property laws.

You are permitted to view, download, and print content from this Site for your own personal, non-commercial use, provided that you do not remove or alter any copyright or attribution notices. You may not reproduce, distribute, modify, create derivative works from, or publicly display our content without our prior written permission.

Certain content on this Site (such as photographs sourced from Unsplash or icons from Phosphor Icons) is subject to the licenses of those respective providers. We have endeavored to use only freely licensed third-party content in compliance with applicable terms.

5. User Conduct

When using this Site — including submitting information via our contact form — you agree not to:

• Provide false, misleading, or fraudulent information
• Attempt to gain unauthorized access to any part of the Site or its hosting infrastructure
• Transmit any harmful, malicious, or unlawful content
• Use automated tools to scrape, index, or harvest content without our permission
• Use the Site in any way that violates applicable laws or regulations
• Impersonate any person or entity

6. Third-Party Links and Content

The Site may contain links to external websites or reference third-party sources for informational purposes. These links are provided for convenience only. finworlder does not endorse, control, or take responsibility for the content, practices, or privacy policies of any third-party websites.

Accessing third-party websites via links on our Site is done at your own risk. We strongly encourage you to read the terms and privacy policies of any external sites you visit.

7. Disclaimers

The Site and all content on it are provided on an "as is" and "as available" basis, without warranties of any kind, express or implied. To the fullest extent permitted by applicable law, finworlder disclaims all warranties including but not limited to:

• Warranties of merchantability, fitness for a particular purpose, or non-infringement
• Warranties that the Site will be uninterrupted, error-free, or secure
• Warranties as to the accuracy, completeness, timeliness, or reliability of any content on the Site

Economic data, figures, and projections referenced on this Site are drawn from public sources believed to be reliable, but finworlder does not independently verify all such data and cannot guarantee its accuracy.

8. Limitation of Liability

To the fullest extent permitted by applicable law, finworlder and its operators, contributors, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of (or inability to use) the Site or its content, including but not limited to any financial losses incurred based on information obtained from this Site.

In no event shall our total liability to you exceed the amount, if any, paid by you to access the Site in the 12 months preceding the claim (which, given that the Site is free, shall be zero).

9. Indemnification

You agree to indemnify, defend, and hold harmless finworlder and its operators from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising from your use of the Site, your violation of these Terms, or your violation of any applicable law.

10. Termination

We reserve the right to restrict or terminate access to the Site, at our sole discretion, for any user we believe to be in violation of these Terms or acting in a manner harmful to the Site, other users, or the public interest.

11. Governing Law

These Terms are governed by and construed in accordance with applicable law. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the competent courts in the relevant jurisdiction. Nothing in these Terms limits your rights as a consumer under applicable mandatory local law.

12. Changes to These Terms

We may update these Terms from time to time. We will update the "Last updated" date when material changes are made. Your continued use of the Site following any changes constitutes your acceptance of the revised Terms.

13. Contact

If you have any questions about these Terms, please contact us:

• Email: info@finworlder.com
• Contact form: finworlder.com/en/contact.html