Acceptance of these terms

By accessing or using Finlitera, you agree to these Terms of Use. If you do not agree, please do not use the website.

Educational purpose only

Finlitera provides general financial education. The website does not provide personal financial, investment, trading, tax, accounting, insurance, or legal advice. Content does not consider your individual income, debts, goals, risk tolerance, legal position, or local rules.

No professional relationship

Using the website, reading an article, sending a message, or following a link does not create an adviser-client, accountant-client, lawyer-client, fiduciary, or other professional relationship with Finlitera or Iqbal Azizpoor.

No guarantees

Financial outcomes are uncertain. Finlitera does not guarantee profits, savings, investment returns, debt reduction, eligibility for financial products, or any specific result. Examples and calculations are illustrations, not promises.

Your responsibility

You are responsible for checking information, understanding product terms, considering risks, and obtaining qualified professional advice when appropriate. Rules, taxes, prices, rates, protections, and products vary by country and can change.

Accuracy and availability

We aim to provide useful and accurate information, but content may contain errors, become outdated, or be incomplete. The website may be changed, suspended, or unavailable without notice. We do not promise uninterrupted or error-free access.

External links

Finlitera may link to external websites for sources, tools, or further reading. We do not control those websites and are not responsible for their content, availability, security, products, or privacy practices. A link does not automatically mean endorsement.

Intellectual property

Unless otherwise stated, Finlitera’s original text, branding, graphics, structure, and educational materials are protected by applicable intellectual-property laws. You may share links and brief quotations with clear attribution. You may not copy, republish, sell, scrape, or present substantial portions as your own without permission.

Acceptable use

You must not use the website to break the law, interfere with security or operation, introduce harmful code, attempt unauthorized access, impersonate others, misuse contact channels, or violate another person’s rights.

Limitation of liability

To the fullest extent permitted by applicable law, Finlitera and its founder will not be liable for losses arising from reliance on website content, use of external services, investment or borrowing decisions, data loss, website interruption, or indirect and consequential damages. Nothing in these terms excludes liability that cannot legally be excluded.

Changes to these terms

These terms may be updated when the website, services, or legal requirements change. The date at the top shows the latest revision. Continued use after an update means the revised terms apply from the stated date.

Contact

Questions about these terms can be sent through the Contact Finlitera page.

Legal note: These terms are a general website policy and are not a substitute for advice from a qualified lawyer familiar with the laws that apply to your website and audience.