Terms of Service

1. Acceptance of Terms

By accessing or using MoneySense Hub ("we", "us", "our"), you agree to be bound by these Terms of Service in their entirety. If you disagree with any part of these terms, you may not access or use our services.

These terms constitute a legally binding agreement between you and MoneySense Hub regarding your use of our website, mobile applications, and services.

2. Account Terms

Registration Requirements

• You must be 18 years or older to register for an account
• You must provide accurate, complete, and up-to-date information
• You are responsible for maintaining the accuracy of your account information
• You must secure your account credentials

Account Responsibilities

• You are responsible for all activities that occur under your account
• You must notify us immediately of any unauthorized access
• You must not share your account credentials with any third party
• Each individual must create their own separate account
• You must comply with all applicable laws when using our services

3. Service Usage

Acceptable Use

• Personal, non-commercial use only unless explicitly authorized
• No unauthorized copying, modification, or distribution of content
• No reverse engineering of our platform
• You must respect intellectual property rights
• No use of our services for illegal or unauthorized purposes

Prohibited Activities

• No spamming, phishing, or harassment
• No distribution of malicious code or harmful content
• No unauthorized data collection or scraping
• No interference with the proper functioning of our services
• No circumvention of security measures
• No impersonation of others or misrepresentation of your affiliation

4. Content and Copyright

Our Content

• All materials are protected by copyright and intellectual property laws
• No reproduction or distribution without our express permission
• You are granted a limited, non-exclusive license for personal use
• Our trademarks, logos, and branding are protected
• Any unauthorized use may constitute infringement

User Content

• You retain ownership rights to your original content
• You grant us a non-exclusive, worldwide license to use, store, and display your content
• You are responsible for ensuring your content is original and non-infringing
• We reserve the right to remove inappropriate or infringing content
• We do not claim ownership of your content

5. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms of Service.

We adhere to applicable data protection laws and regulations, including but not limited to GDPR, CCPA, and other regional privacy laws. By using our services, you consent to our data practices as described in our Privacy Policy.

For information about how we use cookies and similar technologies, please refer to our Cookie Policy.

6. Disclaimer and Limitation of Liability

Disclaimer of Warranties

Our services are provided on an "as is" and "as available" basis. We make no warranties of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

We do not guarantee that our services will be uninterrupted, secure, or error-free, or that defects will be corrected.

Financial Information Disclaimer

MoneySense Hub provides financial information for educational purposes only. The content is not intended to be investment, financial, or professional advice. We recommend consulting with a qualified financial professional before making any financial decisions.

Limitation of Liability

To the maximum extent permitted by law, MoneySense Hub shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your access to or use of, or inability to access or use, our services or any content provided by or through our services.

7. Termination

Termination by MoneySense Hub

We reserve the right to suspend or terminate your access to our services, at our sole discretion, for any reason, including but not limited to a breach of these Terms of Service, without prior notice or liability.

Termination by You

You may terminate your account at any time by following the instructions on our website or contacting us directly.

Effect of Termination

• Upon termination, your right to access and use our services will cease
• Certain provisions of these Terms will survive termination
• User content may persist even after account termination
• We may retain certain information as required by law or for legitimate business purposes

8. Dispute Resolution

Any disputes arising out of or relating to these Terms or our services shall be resolved through binding arbitration, except where prohibited by law. The arbitration shall be conducted in accordance with the rules of the American Arbitration Association.

Any arbitration shall take place on an individual basis; class arbitrations and class actions are not permitted. You agree that you may bring claims against MoneySense Hub only in your individual capacity and not as a plaintiff or class member in any purported class or representative proceeding.

9. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the state of Delaware, without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will remain in effect.

10. Changes to Terms

We reserve the right to modify or replace these Terms at any time. We will provide notice of any material changes through our website or by sending an email to the address associated with your account.

Your continued use of our services following the posting of any changes constitutes acceptance of those changes. If you do not agree to the new terms, you must stop using our services.