Terms of Service#
Effective Date: September 22, 2025
Last Updated: September 22, 2025
Welcome to Finance with Raja. These Terms of Service (“Terms”) govern your use of our website and services. By accessing or using our website, you agree to be bound by these Terms.
Acceptance of Terms#
By accessing and using Finance with Raja, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.
Description of Service#
Finance with Raja provides:
- Educational Content: Articles, guides, and resources about personal finance
- Product Reviews: Unbiased reviews of financial products and services
- Comparison Tools: Information to help compare financial products
- Newsletter: Email updates with financial tips and recommendations
Educational Purpose and Disclaimers#
Not Financial Advice#
- Educational Only: Our content is for educational and informational purposes only
- Not Professional Advice: We are not licensed financial advisors, accountants, or attorneys
- Consult Professionals: Always consult qualified professionals for personalized advice
- Your Responsibility: You are responsible for your own financial decisions
No Guarantees#
- Results May Vary: Past performance does not guarantee future results
- Market Risks: All investments carry risk of loss
- Product Changes: Financial products and terms change frequently
- Accuracy: While we strive for accuracy, information may become outdated
Affiliate Relationships and Compensation#
Affiliate Disclosure#
- Affiliate Links: We may earn commissions from affiliate links
- Compensation: We may receive compensation for referrals to financial products
- Editorial Independence: Compensation does not influence our editorial content
- Clear Disclosure: Affiliate relationships are clearly disclosed
Product Recommendations#
- Research-Based: Our recommendations are based on research and analysis
- Not Endorsements: Inclusion does not constitute a personal endorsement
- Your Due Diligence: Always research products independently before applying
- Terms May Change: Product terms and availability may change without notice
User Conduct and Responsibilities#
Acceptable Use#
You agree to use our website only for lawful purposes and in accordance with these Terms. You agree NOT to:
- Violate Laws: Use the site for any illegal or unauthorized purpose
- Harm Others: Post harmful, threatening, or offensive content
- Spam: Send unsolicited commercial communications
- Interfere: Disrupt or interfere with the website’s operation
User-Generated Content#
- Comments: You may post comments on our blog posts
- Responsibility: You are responsible for your comments and their accuracy
- Moderation: We reserve the right to moderate, edit, or remove comments
- Rights: By posting, you grant us the right to use your content
Intellectual Property Rights#
Our Content#
- Copyright: All content on Smart Finance Hub is protected by copyright
- Trademarks: Our logos and brand names are our trademarks
- Limited License: You may view and print content for personal use only
- No Reproduction: You may not reproduce, distribute, or modify our content without permission
Fair Use#
- Personal Use: You may share links and brief excerpts with proper attribution
- Commercial Use: Commercial use requires written permission
- Attribution: Always provide proper credit when sharing our content
Privacy and Data Protection#
Your privacy is important to us. Please review our Privacy Policy, which also governs your use of the website, to understand our practices.
Third-Party Links and Services#
External Links#
- Third-Party Sites: Our website contains links to third-party websites
- No Control: We do not control these external sites
- No Responsibility: We are not responsible for their content or practices
- Use at Your Risk: You access third-party sites at your own risk
Financial Products#
- Independent Providers: Financial products are provided by independent companies
- Their Terms: Each provider has their own terms and conditions
- Direct Relationship: Your relationship is directly with the provider
- No Liability: We are not liable for provider actions or decisions
Limitation of Liability#
Disclaimer of Warranties#
- As-Is Basis: The website is provided on an “as-is” basis
- No Warranties: We make no warranties about the site’s operation or content
- Accuracy: We do not warrant the accuracy or completeness of information
- Availability: We do not guarantee uninterrupted access to the website
Limitation of Damages#
To the fullest extent permitted by law:
- No Liability: We are not liable for any direct, indirect, or consequential damages
- Financial Losses: We are not responsible for financial losses from using our content
- Maximum Liability: Our total liability is limited to $100
- Exclusions: Some jurisdictions do not allow these limitations
Indemnification#
You agree to indemnify and hold harmless Smart Finance Hub from any claims, damages, or expenses arising from:
- Your Use: Your use of the website
- Your Content: Content you post or submit
- Violations: Your violation of these Terms
- Third-Party Claims: Claims by third parties related to your use
Modifications to Terms#
Right to Modify#
- Updates: We may update these Terms at any time
- Notice: Changes will be posted on this page with a new effective date
- Continued Use: Your continued use constitutes acceptance of new Terms
- Material Changes: We may provide additional notice for significant changes
Termination#
Our Rights#
We may terminate or suspend your access to our website at any time, without prior notice, for:
- Terms Violation: Violating these Terms of Service
- Illegal Activity: Engaging in illegal or harmful activities
- Abuse: Abusing or misusing our services
- Our Discretion: Any reason at our sole discretion
Effect of Termination#
Upon termination:
- Access Ends: Your right to use the website immediately ceases
- Survival: Certain provisions of these Terms will survive termination
- Data: We may delete your account and associated data
Governing Law and Jurisdiction#
These Terms are governed by the laws of [Your State/Country], without regard to conflict of law principles. Any disputes will be resolved in the courts of [Your Jurisdiction].
Contact Information#
If you have questions about these Terms of Service, please contact us:
Email: info@financewithraja.com
Website: https://financewithraja.com
For legal inquiries, please include “Legal - Terms of Service” in your email subject line.
Severability#
If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.
Entire Agreement#
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Finance with Raja regarding your use of the website.
These Terms of Service are designed to protect both Smart Finance Hub and our users. Please read them carefully and contact us if you have any questions.