Terms of services

FINANCIAL BLOOM

 Terms of Service for FinancialBloom.Co (www.financialbloom.co)

Effective Date: April 08, 2025

Welcome to Financial Bloom! These Terms of Service ("Terms" or "ToS") govern your access to and use of www.financialbloom.co (the "Website"), including all content, tools, services, and features provided therein (collectively, the "Services"). By accessing or using the Website, you agree to be bound by these Terms, whether you are a visitor or a registered user. If you do not agree to these Terms, please do not use the Website.

FinancialBloom.Co("we," "us," or "our") reserves the right to update or modify these Terms at any time. Changes will be effective upon posting to the Website, and we will update the "Effective Date" above to reflect the latest version. Your continued use of the Services after such changes constitutes your acceptance of the revised Terms.
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 1. Acceptance of Terms
By using the Website, you confirm that you are at least 18 years of age or the age of majority in your jurisdiction, whichever is higher, and that you have the legal capacity to enter into these Terms. The Website is not intended for use by individuals under this age threshold.
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2. Description of Services
FinancialBloom.Co provides educational content, personal finance tools, and resources designed to help users manage their finances, plan budgets, and gain insights into wealth-building strategies. The Services are for informational purposes only and do not constitute financial, investment, legal, or professional advice. We are not a licensed financial advisor, broker, or investment firm.

3. User Accounts 
3.1 Registration
To access certain features of the Website (e.g., personalized tools or premium content), you may need to create an account. You agree to provide accurate, current, and complete information during registration and to update it as necessary. You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account. 
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3.2 Account Security
‍You agree to notify us immediately at hello@financialbloom.co if you suspect unauthorized use of your account. We are not liable for any loss or damage arising from your failure to safeguard your account. 

3.3 Termination of Accounts
We reserve the right to suspend or terminate your account at our sole discretion, with or without notice, if we believe you have violated these Terms or engaged in conduct that harms the Website, other users, or our business interests.

4. Use of the Services

 4.1 Permitted Use
‍You may use the Services for personal, non-commercial purposes in accordance with these Terms. You agree not to:- Use the Services for any unlawful purpose or in violation of applicable laws.- Copy, reproduce, distribute, or exploit any content from the Website without prior written consent from us.- Use automated systems (e.g., bots, scrapers) to access or collect data from the Website.- Attempt to interfere with, disrupt, or overburden the Website’s infrastructure or security. 

4.2 Prohibited Conduct
You may not:- Post or transmit harmful, offensive, or misleading content through the Website.- Impersonate any person or entity or misrepresent your affiliation with any party.- Engage in any activity that could damage our reputation or the functionality of the Services.

5. Intellectual Property 
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5.1 Ownership
All content on the Website—including text, graphics, logos, tools, and software—is owned by FinancialBloom.Co, or its licensors and is protected by copyright, trademark, and other intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to access and use the content for personal purposes only. 
5.2 Restrictions
You may not modify, reproduce, distribute, create derivative works from, or publicly display any content from the Website without our express written permission, except as permitted by applicable law. 
5.3 User-Generated Content
If you submit comments, feedback, or other content to the Website, you grant us a worldwide, perpetual, royalty-free, and irrevocable license to use, modify, display, and distribute such content in connection with the Services. You represent that you have the right to grant this license and that your content does not infringe on third-party rights.

 6. Disclaimers

 6.1 No Financial Advice
The information provided on the Website is for general informational purposes only and should not be considered financial, investment, tax, or legal advice. You should consult a qualified professional before making financial decisions based on our content or tools.
 6.2 Accuracy of Information
‍ While we strive to ensure the accuracy and timeliness of the information on the Website, we do not guarantee that it is error-free, complete, or current. We may update or remove content at any time without notice. 
6.3 Availability
The Services are provided "as is" and "as available." We do not guarantee uninterrupted access to the Website and may suspend or discontinue any aspect of the Services at our discretion.

 7. Limitation of Liability
To the fullest extent permitted by law, FinancialBloom.Co, its affiliates, officers, directors, employees, and agents will not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of the Services, including but not limited to loss of profits, data, or goodwill. Our total liability for any claim related to these Terms or the Services will not exceed $10 USD.
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8. Indemnification
You agree to indemnify, defend, and hold harmless FinancialBloom.Co and its affiliates from any claims, losses, damages, or expenses (including reasonable attorneys’ fees) arising from your use of the Services, violation of these Terms, or infringement of any third-party rights
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9. Third-Party Links and Services
‍The Website may contain links to third-party websites or services not operated by us. We are not responsible for the content, privacy practices, or availability of these external sites, and your use of them is at your own risk.
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10. Privacy
‍Your use of the Website is also governed by our Privacy Policy, available at www.financialbloom.co/privacy-policy. Please review it to understand how we collect, use, and protect your personal information.
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11. Termination
We may terminate or suspend your access to the Services at any time, with or without cause or notice, including for violations of these Terms. Upon termination, your right to use the Services will cease immediately, but provisions related to intellectual property, disclaimers, liability, and indemnification will survive.
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12. Governing Law and Dispute Resolution
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12.1 Governing Law
‍These Terms are governed by the laws of the State of [Insert State, e.g., Delaware], United States, without regard to its conflict of law principles.
12.2 Dispute Resolution
Any disputes arising from these Terms or your use of the Services will be resolved through binding arbitration in [Insert City, e.g., Wilmington, Delaware], conducted by a single arbitrator under the rules of the American Arbitration Association. You waive your right to participate in class actions or class-wide arbitration.

13. Changes to the Services
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We may modify, suspend, or discontinue any part of the Services at any time without notice or liability. We are not obligated to provide updates or support for the Services.

14. Miscellaneous
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14.1 Entire Agreement
‍These Terms, together with the Privacy Policy, constitute the entire agreement between you and FinancialBloom.Co regarding your use of the Services. 
14.2 Severability If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.
14.3 No Waiver Our failure to enforce any right or provision of these Terms does not constitute a waiver of that right or provision.

 15. Contact Us

If you have questions about these Terms, please contact us at:  Email: Hello@financialbloom.co 
Address: Financial Bloom, 68 Jay street Brooklyn, NY 11201
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Thank you for using FinancialBloom.Co. We’re here to help you grow your financial knowledge and confidence!