Last Updated: March 16, 2025
Welcome to MyFiLi.com (“MyFiLi,” “we,” “us,” or “our”). By accessing or using our website, including all content and services provided (the “Services”), you (“you” or “User”) agree to be bound by these Terms of Service (“Terms”). Please read these Terms carefully before using MyFiLi. If you do not agree to these Terms, you may not access or use our Services.
1. Acceptance of Terms:
Your use of MyFiLi constitutes your acceptance of these Terms. We reserve the right to modify these Terms at any time by posting revised Terms on our website. Your continued use of the Services after such changes have been posted constitutes your acceptance of the new Terms. It is your responsibility to regularly review these Terms.
2. Description of Services:
MyFiLi provides financial literacy courses and personal finance articles. We strive to provide accurate and up-to-date information, but we do not warrant the accuracy, completeness, or reliability of any content or information provided through the Services.
3. User Accounts:
To access certain features of MyFiLi, you may be required to create an account. You agree to:
- Provide accurate, current, and complete information during the registration process.
- Maintain the security and confidentiality of your login credentials.
- Notify us immediately of any unauthorized use of your account.
- Be responsible for all activities that occur under your account.
We reserve the right to suspend or terminate your account if you violate these Terms or if we believe your account poses a risk to MyFiLi or other users.
4. User Content:
You are solely responsible for any content you post, upload, or otherwise make available on MyFiLi (“User Content”). By posting User Content, you grant MyFiLi a non-exclusive, worldwide, royalty-free, perpetual, irrevocable, and sublicensable license to use, reproduce, modify, adapt, publish, translate, create derivative works6 from, distribute, and display such User Content in connection with the Services.
You agree not to post User Content that:
- Is unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, libelous, invasive of another’s privacy, hateful, or racially, ethnically, or otherwise objectionable.
- Infringes any intellectual property rights of any third party.
- Contains viruses, malware, or other harmful code.
- Is used for spamming, phishing, or other fraudulent activities.
- Violates any applicable laws or regulations.
We reserve the right to remove any User Content that violates these Terms or that we deem inappropriate.
5. Intellectual Property:
All content and materials on MyFiLi, including but not limited to text, graphics, logos, images, software, and trademarks, are the property of MyFiLi or its licensors and are protected by intellectual property laws. You may not use, reproduce, modify, or distribute any content from MyFiLi without our express written permission.
6. Prohibited Activities:
You agree not to:
- Use MyFiLi for any illegal or unauthorized purpose.
- Interfere with or disrupt the Services or servers or networks connected to the Services.
- Attempt to gain unauthorized access to any portion of MyFiLi or other users’ accounts.
- Use any automated system, including robots, spiders, or scrapers, to access MyFiLi.
- Impersonate any person or entity or misrepresent your affiliation with any person or entity.
- Collect or store personal information about other users without their consent.
- Engage in any activity that could damage, disable, overburden, or impair the Services.
7. Third-Party Links and Content:
MyFiLi may contain links to third-party websites or content. We do not endorse or control these third-party websites or content and are not responsible for their availability, accuracy, or content. Your use of third-party websites or content is at your own risk.
8. Disclaimer of Warranties:
MyFiLi is provided on an “as is” and “as available” basis. We make no warranties, express or implied, regarding the Services, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Services will be uninterrupted, error-free, or secure.
9. Limitation of Liability:
In no event shall MyFiLi be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in connection with your use of the Services, including but not limited to damages for loss of profits, data, or other intangible losses, even if we have been advised of the possibility of such damages.
10. Indemnification:
You agree to indemnify and hold MyFiLi harmless from any claims, damages, liabilities, and expenses (including attorneys’ fees) arising out of or in connection with your use of the Services or your violation of these Terms.
11. Termination:
We may terminate your access to the Services at any time, with or without cause, and with or without notice. Upon termination, your right to use the Services will immediately cease.
12. Governing Law:
These Terms shall be governed by and construed in accordance with the laws of [the State of New York, United States], without regard to its conflict of law principles.
13. Dispute Resolution:
Any disputes arising out of or in connection with these Terms shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.
14. Severability:
If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
15. Entire Agreement:
These Terms constitute the entire agreement between you and MyFiLi with respect to the Services and supersede all prior or contemporaneous communications and proposals, whether oral or written.
16. Contact Us:
If you have any questions about these Terms, please contact us.