Terms of Service

Agreement to Terms

By accessing Personal-Financial-Advisers.com (the "Website"), you agree to comply with these Terms of Service and all applicable laws. If you do not agree with any provision, discontinue use immediately.

We may update these terms to reflect new tools, regulatory changes, or operational needs. Your continued use after revisions take effect constitutes acceptance of the updated terms.

License and Restrictions

We grant you a limited, non-exclusive, revocable license to access and use the Website for personal, educational tax-planning purposes. Commercial reuse, redistribution, or resale of our content or resources requires prior written consent.

You may not:

• Modify or copy Website content without permission or proper attribution
• Use the Website or its content to provide paid services to third parties
• Attempt to gain unauthorised access to our servers, infrastructure, or data
• Reverse engineer or decompile any part of the Website
• Inject malicious code or otherwise disrupt Website functionality
• Violate any applicable laws, regulations, or tax filing rules
• Submit personal data about other individuals without their consent

We reserve the right to suspend or terminate access for violations, abuse, or suspected misuse.

Intellectual Property Rights

All content on this Website, including text, graphics, logos, guides, and software, is the property of Personal-Financial-Advisers.com or its content suppliers and is protected by applicable intellectual property laws.

You may view and print pages from the Website for your personal, non-commercial use only. Reproduction or transmission of materials without permission is prohibited.

The names, logos, and trademarks displayed on this Website are the property of Personal-Financial-Advisers.com or their respective owners and may not be used without permission.

User Responsibilities

You agree to use the Website responsibly and lawfully. Specifically, you are responsible for:

• Reading our guides and resources carefully and thoroughly
• Exporting or printing materials for personal use only
• Keeping your device secure, especially when handling sensitive tax information
• Avoiding the submission of confidential data through public comment forms or emails
• Respecting the intellectual property and privacy rights of others

You must not use the Website for unlawful filings, identity theft, harassment, or other malicious activity.

Disclaimer of Warranties

This Website and all content are provided "AS IS" without warranty of any kind, either express or implied. We disclaim all warranties including:

• Merchantability or fitness for a particular purpose
• Non-infringement of third-party rights
• Accuracy, completeness, or reliability of guides or other resources
• Uninterrupted or error-free access

We do not warrant that this Website will be available at all times or free from malicious components. Always verify guidance against official tax forms and professional advice.

Limitation of Liability

In no event shall Personal-Financial-Advisers.com, its owners, operators, contributors, or affiliates be liable for any damages arising from your use of the Website, including:

• Direct, indirect, or consequential damages
• Loss of profits, revenue, or data
• Business interruption
• Personal injury or property damage

This limitation applies regardless of the cause of action or legal theory, even if we have been advised of the possibility of such damages.

Third-Party Links and Services

This Website may contain links to third-party websites and services. We are not responsible for:

• The content, accuracy, or practices of linked sites
• Any damages or losses from third-party services
• Privacy policies or terms of third-party websites

Links do not imply endorsement. Your use of third-party sites is at your own risk and subject to their terms and conditions.

When external providers collect data (for example, through cookies or embedded scripts), they do so under their own policies. We do not receive the personal information those providers may gather.

Indemnification

You agree to indemnify and hold harmless Personal-Financial-Advisers.com, its owners, operators, and affiliates from any claims, damages, losses, liabilities, and expenses arising from your misuse of the Website or violation of these Terms.

Governing Law

These Terms are governed by and construed in accordance with the laws applicable to our principal place of business, without regard to conflict-of-law principles. You consent to the exclusive jurisdiction of the courts in that location.

Severability

If any provision of these Terms is held invalid or unenforceable, the remaining provisions will continue in full force and effect.

Privacy Commitment

Our tax guides and resources are accessed entirely through your browser. We do not require logins, and we do not collect, store, or sell personal data.

You are responsible for safeguarding the information you enter, especially on shared or public devices.