Last Updated: 9 Feb 2025

Welcome to FinSkeptics.com. By accessing our website (“the Site”) or using any content or features on the Site, you agree to the following terms and conditions (“Terms”). These Terms govern your use of FinSkeptics.com and apply to all visitors, users, and subscribers.

If you do not agree with these Terms, you should not use our Site. Please also review our Privacy Policy and Cookie Policy to understand how we collect, store, and use your personal information.

For any inquiries, contact us at:
📧 Email: contact@finskeptics.com

1. Intellectual Property

The content, design, and all materials on FinSkeptics.com (collectively, “FinSkeptics Content”) are owned by FinSkeptics.com and its licensors. Unauthorized use of FinSkeptics Content is strictly prohibited.

A. Use of FinSkeptics Content

You may:

  • View and read content for personal, non-commercial use.
  • Print individual pages for personal reference.
  • Store pages electronically for private use.

You may not:

  • Copy, reproduce, distribute, or modify any FinSkeptics Content for commercial purposes.
  • Use automated tools (e.g., bots, scrapers) to extract data from the Site.
  • Train AI models on FinSkeptics Content.
  • Publish or distribute our content without permission.

For licensing inquiries, contact us at contact@finskeptics.com.

2. Registration, Passwords, and Responsibilities

Certain features of FinSkeptics.com require account registration. By registering, you agree to:

  • Provide accurate information.
  • Keep your login credentials confidential.
  • Notify us if you suspect unauthorized account access.

You are responsible for all activity on your account. If we detect misuse, we may suspend or terminate your access.

3. Subscriptions and Cancellations

A. Subscriptions

We offer different subscription plans for accessing premium content. By purchasing a subscription, you agree to:

  • Pay the applicable fees.
  • Use the subscription only for personal use.
  • Not share login details with others.

B. Automatic Renewal

Unless otherwise stated, subscriptions automatically renew at the end of the billing period. You may cancel at any time before renewal.

C. Cancellation Policy

  • You can cancel your subscription by contacting us at contact@finskeptics.com.
  • If applicable, refunds will be processed based on the terms stated at the time of purchase.
  • No refunds are provided for partially used subscription periods.

4. Fees and Payments

  • All payments must be made using the payment methods listed on our Site.
  • If a payment fails, we may suspend access until the issue is resolved.
  • You are responsible for any processing fees charged by your payment provider.

5. User-Generated Content

If you submit comments, tips, or other content (“User Content”) to FinSkeptics.com, you:

  • Grant us a worldwide, royalty-free license to use, display, and distribute your content.
  • Represent that you own the rights to the content.
  • Agree not to post illegal, defamatory, or offensive material.

We reserve the right to remove User Content at our discretion.

6. Privacy Policy and Cookies

Your personal data is handled in accordance with our Privacy Policy and Cookie Policy. By using our Site, you consent to our data practices.

For privacy-related inquiries, contact us at contact@finskeptics.com.

7. Changes to the Site and Services

We reserve the right to:

  • Modify or discontinue any part of our website.
  • Update or change subscription offerings.
  • Restrict access to certain features or content.

We are not liable for any disruptions or modifications to the Site.

8. Liability and Indemnity

A. Disclaimer of Warranties

FinSkeptics.com is provided “as is” without warranties of any kind. We do not guarantee:

  • That the Site will be error-free or uninterrupted.
  • The accuracy or reliability of the content.
  • That the Site is free from viruses or security threats.

B. Limitation of Liability

To the fullest extent permitted by law, FinSkeptics.com is not liable for:

  • Indirect, special, or consequential damages.
  • Loss of data, profits, or reputation.
  • Any issues arising from third-party links or services.

C. Indemnification

You agree to indemnify and hold FinSkeptics.com harmless from any claims or damages resulting from:

  • Your use of our Site.
  • Your violation of these Terms.

9. Force Majeure

We are not liable for service disruptions caused by:

  • Natural disasters.
  • Power or internet outages.
  • Government regulations.
  • Other events beyond our control.

10. Governing Law and Dispute Resolution

These Terms are governed by the laws of India. Any disputes will be resolved in the courts of [City, India], unless otherwise required by law.

11. Changes to These Terms

We may update these Terms periodically. If changes are significant, we will notify users via email or a site announcement. Continued use of the Site after updates constitutes acceptance of the revised Terms.

12. Contact Information

For any questions regarding these Terms, please contact us at: contact@finskeptics.com

By using FinSkeptics.com, you agree to abide by these Terms. If you do not accept these Terms, please discontinue use of the Site.