Terms & Conditions

Agreement to Terms

Welcome to Finance Moral ("we," "our," or "us"). By accessing or using our website at https://financemoral.com/, you agree to be bound by these Terms & Conditions ("Terms").

If you do not agree to these Terms, please do not use our website. Your continued use of the website following the posting of any changes constitutes acceptance of those changes.

Intellectual Property Rights

All content on this website, including but not limited to articles, guides, calculators, images, graphics, logos, and software, is the property of Finance Moral or its content suppliers and is protected by Indian and international copyright, trademark, and other intellectual property laws.

You may not:

• Reproduce, distribute, modify, create derivative works of, publicly display, or commercially exploit any content without our prior written consent
• Use any content for illegal purposes or in violation of any applicable laws
• Remove any copyright, trademark, or other proprietary notices from the content
• Scrape, data mine, or use automated means to access our website

You are granted a limited, non-exclusive, non-transferable license to access and use the website for personal, non-commercial purposes only.

User Representations

By using our website, you represent and warrant that:

• You are at least 13 years of age
• You have the legal capacity to enter into these Terms
• You will use the website in accordance with these Terms and all applicable laws
• All information you provide is accurate, current, and complete
• You will not use the website for any unauthorized or illegal purpose

Prohibited Activities

You are prohibited from using the website for any purpose that:

• Violates any applicable local, state, national, or international law or regulation
• Infringes upon or violates our intellectual property rights or the rights of others
• Harasses, abuses, insults, harms, defames, slanders, or discriminates against others
• Attempts to impersonate another user or person
• Interferes with or disrupts the website or servers connected to the website
• Introduces viruses, trojan horses, worms, or other harmful material
• Uses any robot, spider, or other automatic device to access the website
• Collects or tracks personal information of other users

User-Generated Content

If you submit comments, feedback, or other content to our website ("User Content"), you grant us a non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content throughout the world in any media.

You represent and warrant that:

• You own or control all rights to the User Content
• The User Content is accurate and not misleading
• The User Content does not violate these Terms or any third-party rights

We reserve the right to remove any User Content at any time without notice.

Disclaimer of Warranties

The website and all content, materials, and services provided are provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied.

We expressly disclaim all warranties, including but not limited to:

• Implied warranties of merchantability, fitness for a particular purpose, and non-infringement
• Warranties that the website will be uninterrupted, timely, secure, or error-free
• Warranties regarding the accuracy, reliability, or completeness of any content
• Warranties that any errors will be corrected

Your use of the website is solely at your own risk.

Limitation of Liability

To the fullest extent permitted by applicable law, Finance Moral and its owners, employees, agents, affiliates, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits, revenue, data, or goodwill
• Personal injury or property damage
• Any other intangible losses

Even if we have been advised of the possibility of such damages, arising out of or relating to:

• Your use or inability to use the website
• Any content obtained from the website
• Unauthorized access to or alteration of your transmissions or data
• Statements or conduct of any third party on the website

In no event shall our total liability exceed the amount you paid to us, if any, in the past six months.

Indemnification

You agree to defend, indemnify, and hold harmless Finance Moral and its owners, employees, agents, affiliates, and licensors from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney's fees) arising from:

• Your use of and access to the website
• Your violation of any term of these Terms
• Your violation of any third-party right, including without limitation any copyright, property, or privacy right
• Any claim that your User Content caused damage to a third party

Termination

We may terminate or suspend your access to the website immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms.

Upon termination, your right to use the website will immediately cease. All provisions of these Terms which by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

Governing Law & Jurisdiction

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

Any legal action or proceeding arising out of or relating to these Terms shall be brought exclusively in the courts located in Gorakhpur, Uttar Pradesh, India. You hereby consent to the jurisdiction and venue of such courts.

Changes to Terms

We reserve the right to modify or replace these Terms at any time at our sole discretion. We will provide notice of any material changes by posting the new Terms on this page and updating the "Last Updated" date.

Your continued use of the website after any changes constitutes acceptance of the new Terms. It is your responsibility to review these Terms periodically.

Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of these Terms will continue in full force and effect.

Entire Agreement

These Terms constitute the entire agreement between you and Finance Moral regarding the use of the website and supersede all prior agreements and understandings, whether written or oral.

Waiver

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If we waive any breach of these Terms, this will not constitute a waiver of any subsequent breach.