Terms of Service

1. Acceptance of Terms

By accessing and using i-FinanceTree ("the Service", "our Service"), you accept and agree to be bound by the terms and provision of this agreement.

2. Financial Disclaimers

2.1 Not Financial Advice

All information, tools, and content provided by i-FinanceTree are for educational purposes only. We do not provide financial, investment, tax, or legal advice. The information should not be construed as professional financial advice or a recommendation to buy, sell, or hold any security or investment.

2.2 No Fiduciary Relationship

No fiduciary, advisory, or other relationship is created between you and i-FinanceTree or its operators. We do not act as your financial advisor, broker, or agent.

2.3 Risk Acknowledgment

You acknowledge that all financial decisions involve risk, including the potential loss of principal. Past performance does not guarantee future results. You are solely responsible for evaluating the merits and risks associated with any financial decisions.

2.4 Independent Decision Making

You agree that all financial decisions are made independently by you. You should conduct your own research and analysis before making any financial decisions.

2.5 Professional Consultation

We strongly encourage you to consult with qualified financial advisors, tax professionals, and legal counsel before making significant financial decisions.

3. Liability Limitations

3.1 Damage Caps

In no event shall i-FinanceTree's total liability to you for all damages exceed the amount paid by you, if any, for accessing the Service during the twelve (12) months immediately preceding the claim.

3.2 Consequential Damages

i-FinanceTree shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses.

3.3 System Availability

We do not guarantee that the Service will be available at all times. We shall not be responsible for any downtime, outages, data loss, or interruptions in service.

3.4 Third-Party Content

We are not responsible for the accuracy, reliability, or availability of any third-party data sources or external content referenced in our Service.

4. User Responsibilities

4.1 Data Accuracy

You are responsible for providing accurate and complete financial information. i-FinanceTree is not responsible for any errors or inaccuracies in your data or the resulting calculations and recommendations.

4.2 Account Security

You must protect your login credentials and maintain the security of your account. You are responsible for all activities that occur under your account.

4.3 Legal Compliance

You must comply with all applicable laws and regulations when using our Service. You are responsible for determining whether our Service is appropriate for your use based on applicable laws.

5. Service Modifications

We reserve the right to modify, suspend, or discontinue the Service at any time without notice. We may also modify these Terms of Service at any time by posting the revised terms on our website.

6. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the jurisdiction in which i-FinanceTree operates, without regard to conflict of law principles.

7. Contact Information

If you have any questions about these Terms of Service, please contact us through our website.