Welcome to Financefy, a news aggregator service accessible at https://financefy.ca/ ("Website"), operated by financefy.ca ("we," "us," or "our"). By accessing or using Financefy, you agree to be bound by these Terms of Service ("Terms"). If you do not agree with these Terms, please do not use the Website.

1. Acceptance of Terms

1. By accessing or using Financefy, you confirm that you are at least 18 years old (or the age of majority in your jurisdiction) and agree to comply with these Terms.
2. We may update these Terms periodically, and the updated version will be effective upon posting on the Website.
3. Your continued use of Financefy after any changes constitutes acceptance of the revised Terms.

2. Description of Service

1. Financefy is a news aggregator that curates, summarizes, and links to news articles, reports, and other content from third-party sources.
2. The Website is intended to provide users with convenient access to a variety of news and insights for personal, non-commercial use.
3. We do not create or control the content of linked third-party sources, and the inclusion of any link does not imply endorsement by financefy.ca.

3. Use of Financefy

3.1 Permitted Use

1. You may use Financefy to browse, read, and share curated news content for personal, non-commercial purposes, subject to these Terms.
2. Sharing of content must comply with applicable copyright laws and the terms of the original content providers.

3.2 Prohibited Conduct

1. Use Financefy for any unlawful, fraudulent, or unauthorized purpose.
2. Copy, reproduce, distribute, or create derivative works from any curated content without permission from the original content provider.
3. Use automated tools (e.g., bots, scrapers, or crawlers) to access, collect, or extract data from Financefy without our express written consent.
4. Attempt to interfere with the Website's functionality, including through hacking, denial-of-service attacks, or introducing malicious code.
5. Misrepresent your identity or engage in conduct that could harm Financefy or its users.

4. Intellectual Property

4.1 Our Content

1. The design, layout, logos, and original text on Financefy (excluding third-party content) are owned by or licensed to financefy.ca and are protected by copyright, trademark, and other intellectual property laws.
2. You may not reproduce, modify, or distribute our proprietary content without our prior written permission, except as permitted for personal use.

4.2 Third-Party Content

1. Financefy aggregates content from third-party news sources. Such content is owned by the respective publishers or creators and is subject to their terms and conditions.
2. You are responsible for complying with the intellectual property rights and terms of use of third-party content providers when accessing, sharing, or using linked content.

5. User-Generated Content

1. If Financefy allows you to submit comments, feedback, or other contributions ("User Content"), you grant us a non-exclusive, worldwide, royalty-free, perpetual license to use, reproduce, modify, and display your User Content in connection with the Website.
2. You represent and warrant that your User Content:
   1. Does not infringe on any third-party rights (e.g., copyrights, trademarks, or privacy rights).
   2. Is not defamatory, obscene, harassing, or otherwise objectionable.
   3. Complies with applicable laws and these Terms.
3. We reserve the right to moderate, remove, or modify User Content at our discretion.

6. Third-Party Links and Content

1. Financefy provides links to third-party news articles, websites, and other resources. We do not control or endorse the accuracy, legality, or quality of third-party content.
2. Your interaction with third-party websites, including reliance on their content or services, is at your own risk.
3. We are not responsible for any loss or damage resulting from your use of third-party content or services.

7. Disclaimer of Warranties

1. Financefy is provided on an "as is" and "as available" basis. We do not warrant that the Website will be uninterrupted, error-free, or free of viruses or other harmful components.
2. We make no representations or warranties regarding the accuracy, completeness, or timeliness of curated news content or third-party materials.
3. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

8. Limitation of Liability

1. To the maximum extent permitted by law, financefy.ca and its affiliates, officers, directors, and employees will not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of or inability to use Financefy, including but not limited to damages resulting from inaccurate or unavailable third-party content.
2. If applicable law does not permit this limitation, our liability will be limited to the extent allowed.

9. Indemnification

1. You agree to indemnify and hold harmless financefy.ca and its affiliates, officers, directors, and employees from any claims, damages, or expenses (including reasonable attorneys' fees) arising from your use of Financefy, violation of these Terms, or infringement of any third-party rights, including those of third-party content providers.

10. Privacy Policy

1. Your use of Financefy is also governed by our Privacy Policy, available at https://financefy.ca/privacy-policy/.
2. Please review it to understand how we collect, use, and protect your information.

11. Termination

1. We may suspend or terminate your access to Financefy at our sole discretion, with or without notice, for any reason, including if we believe you have violated these Terms.
2. Upon termination, your right to use the Website will cease immediately.

12. Governing Law and Dispute Resolution

1. These Terms are governed by the laws of Toronto, Ontario, Canada.
2. Any disputes arising from these Terms or your use of Financefy will be resolved through binding arbitration in Toronto, Ontario, Canada, in accordance with the rules of the Centre for Dispute Resolution Canada.
3. You waive any right to participate in a class action lawsuit or class-wide arbitration.

13. Miscellaneous

1. Entire Agreement: These Terms, together with the Privacy Policy, constitute the entire agreement between you and financefy.ca regarding your use of Financefy.
2. Severability: If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.
3. No Waiver: Our failure to enforce any right or provision of these Terms does not constitute a waiver of that right or provision.