TERMS & CONDITIONS

01. No Professional Financial Advice (YMYL Compliance)

All content published on Global Finance US is strictly for educational and informational purposes only.

We are not licensed financial advisors, tax professionals, insurance agents, or legal experts. The information provided—including credit card advice, loan strategies, investment insights, and financial tools—should not be considered professional advice.

• Always consult a certified financial advisor or licensed professional before making financial decisions.
• Your actions based on our content are entirely at your own risk.
• We are not liable for any financial loss, damages, or decisions made using our content.

This policy ensures compliance with Google’s YMYL (Your Money or Your Life) guidelines.

02. Cookies Policy & Google AdSense Usage

We use cookies to enhance your browsing experience.

By using Global Finance US, you consent to our use of cookies in accordance with our Privacy Policy.

Google AdSense Disclosure

We use Google AdSense to display ads.

• Google may use DoubleClick cookies to show ads based on prior visits.
• Ads are tailored to improve CTR (Click-Through Rate) and relevance.
• Users may opt out via Google Ads settings.

This transparency ensures account safety, AdSense approval stability, and better ad performance.

03. License & Intellectual Property Rights

All content on Global Finance US—including text, tools, graphics, and branding—is owned by us unless stated otherwise.

You may use our content for personal, non-commercial purposes only.

You must NOT:

• Republish or copy content without permission
• Sell or redistribute our materials
• Duplicate articles for commercial use
• Use our tools or content for misleading purposes

Violation may result in legal action under applicable intellectual property laws.

04. User Comments & Community Guidelines

Users may post comments where allowed.

However:

• We do not pre-screen comments
• Comments reflect individual opinions, not ours
• We reserve the right to remove spam, abusive, or misleading content

Users are responsible for ensuring their comments:

• Are not illegal
• Do not violate third-party rights
• Are respectful and relevant

05. FTC Affiliate Disclosure (U.S. Compliance)

In compliance with the Federal Trade Commission (FTC):

• Some links may be affiliate links
• We may earn a commission at no extra cost to you
• This helps support free content and tools

We only promote products/services that align with:

• Financial transparency
• User benefit
• Market credibility

06. Financial Products & Third-Party Services Disclaimer

Our website may include information about:

• Credit cards
• Loans
• Insurance policies
• Investment platforms
• Financial calculators

We do NOT:

• Guarantee approval for financial products
• Control third-party policies or offers
• Provide direct financial services

Always verify details from official providers before applying.

07. Hyperlinking to Our Content

The following may link to us without prior approval:

• Government agencies
• Search engines
• News platforms
• Online directories

We may approve additional link requests if:

• They are not misleading
• They fit our financial niche
• They provide value to users

08. iFrames Policy

You may not:

• Embed our website within frames
• Alter our website’s appearance

Without written permission, framing is strictly prohibited to protect brand integrity.

09. Content Liability

We are not responsible for content appearing on external websites linking to us.

You agree to:

• Protect us from claims arising from your website
• Ensure your content is lawful and compliant

10. Reservation of Rights

We reserve the right to:

• Request removal of links to our site
• Update policies at any time
• Restrict access if misuse is detected

Continued use means you accept updated terms.

11. Removal of Links or Content

If you find any content offensive or incorrect:

• You may contact us anytime
• We will review requests reasonably
• We are not obligated to remove content

We do not guarantee:

• Accuracy
• Completeness
• Timeliness of information

12. Disclaimer & Limitation of Liability

To the fullest extent permitted by law:

• We exclude all warranties related to our website
• Services are provided “as is” and “as available”

We are not liable for:

• Financial losses
• Data loss
• Business interruptions

However, nothing excludes liability for:

• Fraud
• Personal injury
• Legal obligations under U.S. law

13. Changes to Terms (Latest Update Policy)

We may update these Terms at any time due to:

• Regulatory changes (U.S. & global)
• Google AdSense policy updates
• Financial compliance requirements
• Website improvements

All updates are effective immediately upon posting.

14. Contact Us

If you have questions or concerns:

• Visit our Contact US
• Email: [email protected]

We aim to respond promptly and maintain transparency with our users.