Effective Date: October 20, 2025 Last Updated: October 20, 2025
Welcome to RIFinance (the “Website”), located at https://www.rifinance.xyz/. The Website is operated by RIFinance (“we,” “us,” or “our”).
By accessing or using the Website, you agree to be bound by these Terms and Conditions (the “Terms”). If you disagree with any part of the terms, then you may not access the Website.
1. Important Financial Disclaimer
A. Not Professional Advice
The content provided on RIFinance, including articles, comments, calculators, and forum discussions, is for informational and educational purposes only. We are not financial advisors, accountants, tax professionals, or legal professionals. We cannot provide individualized advice based on your specific shift schedule, pension plan, or income situation.
B. User Responsibility
The information on this Website does not constitute personalized financial, investment, legal, or tax advice. You should not rely solely on the information provided here. You are solely responsible for all financial decisions and outcomes. Always consult with a qualified professional before making any financial, investment, or legal decisions.
C. No Warranties
We make no representations or warranties as to the accuracy, completeness, suitability, or validity of any information on the Website and will not be liable for any errors, omissions, or delays in this information or any losses, injuries, or damages arising from its display or use.
2. Intellectual Property Rights
A. Ownership
All content on the Website, including text, graphics, logos, images, as well as the compilation thereof, and any software used on the Website, is the property of RIFinance or its suppliers and protected by copyright and other laws that protect intellectual property and proprietary rights.
B. Limited License to You
We grant you a limited, non-exclusive, non-transferable license to access and use the Website content for your personal, non-commercial use only. You may not modify, publish, transmit, participate in the transfer or sale of, create derivative works from, or in any way exploit any of the content, in whole or in part, without our express written permission.
3. User Conduct and Content
A. User Comments and Submissions
Any material you post or submit to the Website (e.g., comments, forum posts) will be considered non-confidential and non-proprietary. By providing any such content, you grant us a royalty-free, perpetual, and irrevocable license to use, reproduce, modify, publish, and distribute that material in any media.
B. Prohibited Content
You agree not to post, email, or otherwise make available content that is:
- False, misleading, or fraudulent.
- Defamatory, obscene, or hateful.
- Harmful, threatening, harassing, or discriminatory.
- Infringes upon the intellectual property or proprietary rights of others.
- Promotes illegal activities or provides instructional information about illegal activities.
We reserve the right to remove any content that violates these Terms without notice.
4. Affiliate Links and Advertisements
RIFinance may engage in affiliate marketing and display advertisements.
- Affiliate Disclosure: We may earn a commission on products or services purchased through affiliate links on this Website. This does not increase the price you pay. This helps support the operation of the Website.
- Advertiser Responsibility: We are not responsible for the products or services offered by third-party advertisers or affiliate partners. Any issues or warranties regarding those products must be resolved directly with the vendor.
5. Limitation of Liability and Indemnification
A. Limitation of Liability
In no event shall RIFinance, nor its owner(s), employees, or contributors, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Website; (ii) any conduct or content of any third party on the Website; (iii) any content obtained from the Website; and (iv) unauthorized access, use, or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence), or any other legal theory, whether or not we have been informed of the possibility of such damage.
B. Indemnification
You agree to defend, indemnify, and hold harmless RIFinance and its employees and contributors from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney’s fees) arising from: (i) your use of and access to the Website; (ii) your violation of any term of these Terms; or (iii) your violation of any third-party right, including without limitation any copyright, property, or privacy right.
6. Governing Law and Severability
These Terms shall be governed and construed in accordance with the laws of [Insert Your State/Country Here], without regard to its conflict of law provisions.
If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.
7. Changes to Terms and Contact
A. Changes
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. We will try to provide at least 30 days’ notice prior to any new terms taking effect. By continuing to access or use our Website after those revisions become effective, you agree to be bound by the revised terms.
B. Contact Us
If you have any questions about these Terms, please contact us at:
Email: privacy@rifinance.xyz