Terms of Service

1. Acceptance of Terms

By accessing and using Financiffy's website and services, 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.

These Terms of Service ("Terms") govern your use of our website located at Financiffy.com (the "Service") operated by Financiffy ("us", "we", or "our").

2. Description of Services

Financiffy provides financial planning guidance, educational content, and consultation services to help individuals make informed financial decisions. Our services include:

• Financial planning education and resources
• Personalized financial consultation services
• Investment guidance and portfolio management advice
• Retirement planning assistance
• Debt management strategies
• Tax planning guidance

All services are provided for informational and educational purposes only and do not constitute financial, investment, or legal advice.

3. User Responsibilities

As a user of our services, you agree to:

• Provide accurate and complete information when requested
• Use our services only for lawful purposes
• Not attempt to gain unauthorized access to our systems
• Not use our services to transmit harmful or malicious content
• Comply with all applicable laws and regulations
• Maintain the confidentiality of any account credentials

You are responsible for all activities that occur under your account and for maintaining the security of your account information.

4. Privacy and Data Protection

Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your information when you use our service. By using our service, you agree to the collection and use of information in accordance with our Privacy Policy.

We are committed to protecting your personal and financial information in accordance with applicable data protection laws, including the Data Privacy Act of 2012 (Republic Act No. 10173) of the Philippines.

5. Intellectual Property

The Service and its original content, features, and functionality are and will remain the exclusive property of Financiffy and its licensors. The Service is protected by copyright, trademark, and other laws. Our trademarks and trade dress may not be used in connection with any product or service without our prior written consent.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of our material without our prior written consent.

6. Limitation of Liability

In no event shall Financiffy, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of the Service.

Our total liability to you for all damages shall not exceed the amount you paid us for the services in the twelve (12) months preceding the claim, or one hundred dollars ($100), whichever is greater.

Important: Financial markets are subject to risks, and past performance does not guarantee future results. All investments carry risk, and you may lose money.

7. Indemnification

You agree to defend, indemnify, and hold harmless Financiffy and its licensee and licensors, and their employees, contractors, agents, officers and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees).

8. Termination

We may terminate or suspend your account and bar access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms.

If you wish to terminate your account, you may simply discontinue using the Service or contact us to request account deletion.

9. Governing Law

These Terms shall be interpreted and governed by the laws of the Philippines, 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 by a court, the remaining provisions of these Terms will remain in effect.

10. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days notice prior to any new terms taking effect.

What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms.

11. Contact Information

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