Terms and Conditions

Effective Date: July 4, 2025
Last Updated: July 4, 2025

Welcome to FinanceGuards (“we”, “us”, “our”). By accessing or using our website, https://financeguards.org (the “Website”), you agree to comply with and be legally bound by these Terms of Use (“Terms”). Please read them carefully before using the Website.

If you do not agree with any part of these Terms, please discontinue your use of the Website.

1. Purpose of the Website

FinanceGuards.org is designed to provide insights, resources, and strategic tools related to financial awareness, planning, and education. The information provided may include articles, downloadable resources, interactive forms, and optional consultation services.

The content is for informational purposes only and is not intended to serve as professional financial, legal, or tax advice.

2. Eligibility

You may only use this Website if:

  • You are at least 18 years of age

  • You are capable of entering into a binding legal agreement

  • You agree to use the Website only for lawful and legitimate purposes

3. User Conduct

You agree not to:

  • Submit false or misleading information via contact or request forms

  • Attempt to gain unauthorized access to servers or systems

  • Interfere with the Website’s performance or security

  • Copy, distribute, or use any content from the Website without permission

We reserve the right to suspend or block access to any user who violates these Terms.

4. Intellectual Property

All text, logos, graphics, icons, layout, and downloadable content are the intellectual property of FinanceGuards or its licensors. Unless expressly permitted in writing, you may not:

  • Reproduce, republish, or distribute any content

  • Modify or create derivative works

  • Use our branding or materials for commercial purposes

5. Content Disclaimer

While we aim to ensure that the content provided is accurate and up to date, we make no guarantees about:

  • The reliability, accuracy, or completeness of any information

  • Results you may achieve based on any material or recommendations

  • The continuous availability of any part of the Website

You agree to use the information at your own discretion and risk.

6. Third-Party Links

The Website may contain links to third-party websites or services. We provide these links for convenience and do not endorse or assume responsibility for external content or policies. Use of any third-party website is at your own risk.

7. Limitation of Liability

To the maximum extent permitted by applicable law, FinanceGuards and its representatives will not be held liable for any direct, indirect, incidental, consequential, or punitive damages arising out of or relating to your use of the Website or any content provided herein.

This includes but is not limited to:

  • Data loss

  • System errors

  • Website downtime

  • Third-party content or advertisements

8. Privacy and Data Collection

We collect and use personal data in accordance with our Privacy Policy, which outlines your rights, how we collect information, and how it is processed. By using this Website, you agree to that policy.

9. Updates to Terms

We reserve the right to change or update these Terms at any time, at our sole discretion. Any updates will be posted here with a revised “Last Updated” date. By continuing to use the Website after changes, you accept the modified Terms.

10. Governing Law

These Terms are governed by the laws of the Province of Ontario, Canada (or your local jurisdiction if otherwise stated). Any disputes shall be resolved in the appropriate local courts.

11. Contact Us

If you have any questions about these Terms or your use of the Website, you may contact us at:

FinanceGuards
📧 Email: support@financeguards.org
🌐 Website: https://financeguards.org