Terms & Conditions

Welcome to FinanceFacade.com (the “Website”), owned and operated by Matthew L. Murdock, located at 2118 John Calvin Drive, Chicago, IL 60607 (“we,” “us,” or “our”). By accessing or using this Website, you (“you” or “User”) agree to be bound by these Terms and Conditions (“Terms”). If you do not agree with these Terms, please do not use the Website.

1. General Use of the Website

  1. Eligibility: You must be at least 18 years old to use this Website. By using the Website, you represent that you meet this age requirement.
  2. License to Use: We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use the Website for personal, non-commercial purposes, subject to these Terms.
  3. Prohibited Activities: You agree not to:
    • Use the Website for any unlawful purpose or in violation of these Terms.
    • Copy, modify, distribute, or reproduce any content from the Website without prior written consent.
    • Attempt to gain unauthorized access to the Website or its systems.
    • Use automated tools (e.g., bots, scrapers) to access or collect data from the Website.
    • Post or transmit harmful, offensive, or defamatory content.

2. Financial Information Disclaimer

  1. No Financial Advice: The content on FinanceFacade.com, including articles, blog posts, and other materials, is provided for informational and educational purposes only. It does not constitute financial, investment, tax, or legal advice. You should consult a qualified financial advisor or professional before making any financial decisions.
  2. Risk of Loss: Financial markets are inherently risky. We do not guarantee the accuracy, completeness, or timeliness of any information provided. You acknowledge that any reliance on the Website’s content is at your own risk.
  3. Third-Party Content: The Website may include links to third-party websites or services. We do not endorse or control such third-party content and are not responsible for its accuracy or reliability.

3. Intellectual Property

  1. Ownership: All content on the Website, including text, images, logos, and designs, is owned by or licensed to us and is protected by copyright, trademark, and other intellectual property laws.
  2. Restrictions: You may not reproduce, distribute, modify, or create derivative works from any content on the Website without our prior written permission. You may share links to our content for non-commercial purposes, provided you credit FinanceFacade.com.
  3. User Submissions: If you submit comments, feedback, or other content to the Website, you grant us a non-exclusive, royalty-free, worldwide, perpetual license to use, reproduce, modify, and distribute such content in connection with the Website.

4. User Accounts and Comments

  1. Account Responsibility: If the Website allows user accounts or comment features, you are responsible for maintaining the confidentiality of your account information and for all activities under your account.
  2. Comment Guidelines: Comments or other user-generated content must be respectful, relevant, and lawful. We reserve the right to moderate, remove, or ban users for content that violates these Terms.
  3. No Obligation to Monitor: We are not obligated to monitor user-generated content but may do so at our discretion.

5. Limitation of Liability

  1. No Warranties: The Website and its content are provided on an “as is” and “as available” basis without warranties of any kind, express or implied, including but not limited to warranties of accuracy, reliability, or fitness for a particular purpose.
  2. Liability Cap: To the fullest extent permitted by law, we, our affiliates, and our contributors shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Website or reliance on its content. This includes, but is not limited to, financial losses or damages resulting from errors or omissions in the content.
  3. Indemnification: You agree to indemnify and hold us harmless from any claims, losses, or damages, including legal fees, arising from your use of the Website or violation of these Terms.

6. Privacy

Your use of the Website is subject to our Privacy Policy, which governs the collection, use, and disclosure of your personal information. Please review the Privacy Policy at [insert link to Privacy Policy] for more details.

7. Termination

  1. Termination by Us: We reserve the right to suspend or terminate your access to the Website at our sole discretion, with or without notice, for any reason, including violation of these Terms.
  2. Effect of Termination: Upon termination, your right to access the Website will cease, and all licenses granted to you under these Terms will be revoked.

8. Changes to These Terms

We may update these Terms from time to time. The updated Terms will be posted on this page with a revised “Last Updated” date. Your continued use of the Website after such changes constitutes your acceptance of the updated Terms.

9. Governing Law and Dispute Resolution

  1. Governing Law: These Terms shall be governed by and construed in accordance with the laws of the State of Illinois, without regard to its conflict of law principles.
  2. Dispute Resolution: Any disputes arising from these Terms or your use of the Website shall be resolved through negotiation. If negotiation fails, disputes shall be subject to the exclusive jurisdiction of the state or federal courts located in Chicago, Illinois.

10. Contact Information

If you have any questions or concerns about these Terms, please contact us at:

Matthew L. Murdock
FinanceFacade.com
2118 John Calvin Drive
Chicago, IL 60607
Email: [email protected]