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Terms and Conditions

Last Updated: [4 April 2023]

Welcome to promoney.guru (the “Website”). Please read the following Terms and Conditions (“Terms”) carefully before using the Website, as they govern your access to and use of the Website and its content. By accessing or using the Website, you agree to be bound by these Terms. If you do not agree with these Terms, please do not access or use the Website.

1. Introduction

1.1. The Website is owned and operated by Promoney.guru (“we”, “us”, “our”).

1.2. The purpose of the Website is to provide users with information and resources related to personal finance, money management, financial education, blogging, news, affiliate marketing, references, user-friendly tools, and other relevant topics.

1.3. The Website may also offer various tools, applications, and services to help users improve their financial literacy and make informed decisions.

1.4. These Terms apply to all users of the Website, including, without limitation, users who are browsers, contributors of content, and advertisers.

2. Account Creation

2.1. In order to access certain features of the Website, you may be required to create an account. When creating an account, you agree to provide accurate, current, and complete information about yourself.

2.2. You are responsible for maintaining the confidentiality of your account information, including your username and password. You agree to notify us immediately of any unauthorized use of your account or any other breach of security.

2.3. We reserve the right to suspend or terminate your account at any time for any reason, including, but not limited to, violation of these Terms.

3. User Information and Privacy

3.1. By using the Website, you consent to the collection, use, and disclosure of your personal information in accordance with our Privacy Policy, which is incorporated herein by reference. Please review our Privacy Policy for more information on how we collect, use, and protect your personal information.

3.2. In compliance with the General Data Protection Regulation (GDPR) and the EU User Consent Policy, we will obtain your consent before collecting or using your personal information.

3.3. In compliance with the California Consumer Privacy Act (CCPA), we will provide California residents with specific rights regarding their personal information, including the right to know, delete, and opt-out of the sale of their personal information.

4. Content and Intellectual Property

4.1. All content on the Website, including, but not limited to, text, images, graphics, logos, and multimedia, is the property of Promoney.guru or its content suppliers and is protected by international copyright laws.

4.2. You may not reproduce, distribute, display, or create derivative works of any content on the Website without the express written permission of Promoney.guru or its content suppliers, as applicable.

5. User-Generated Content

5.1. The Website may allow users to submit, post, or share content, including, but not limited to, comments, reviews, articles, and images (collectively, “User-Generated Content”).

5.2. By submitting User-Generated Content, you represent and warrant that you own or have the necessary rights and permissions to use and share such content.

5.3. You grant Promoney.guru a perpetual, irrevocable, worldwide, royalty-free, and non-exclusive license to use, reproduce, distribute, display, and create derivative works of your User-Generated Content for any purpose, including, but not limited to, the promotion and marketing of the Website and its content.

5.4. We reserve the right, but have no obligation, to monitor, edit, or remove User-Generated Content at our sole discretion, including if such content violates these Terms or any applicable law.

5.5. You agree not to submit any User-Generated Content that is unlawful, defamatory, obscene, pornographic, harassing, threatening, invasive of privacy or publicity rights, abusive, inflammatory, or otherwise objectionable or harmful, including, but not limited to, content that promotes hate speech, violence, or discrimination based on race, sex, religion, nationality, disability, sexual orientation, or age.

6. Third-Party Links and Advertisements

6.1. The Website may contain links to third-party websites, products, or services, including those of our advertisers, affiliates, and partners. We do not endorse or assume any responsibility for the content or practices of these third-party websites or services.

6.2. We may display advertisements from various ad networks and ad-serving partners on the Website. We are not responsible for the content or practices of these advertisers, including their privacy policies, data collection practices, or the quality and accuracy of their products or services.

7. Sensitive Categories and Ad Targeting

7.1. We do not allow ads that target users based on sensitive categories, such as race, religion, sexual orientation, or health conditions. If you believe an ad displayed on the Website violates this policy, please contact us immediately.

8. Disclaimer of Warranties and Limitation of Liability

8.1. The Website and its content are provided on an “as-is” and “as-available” basis, without warranties of any kind, either express or implied, including, but not limited to, warranties of merchantability, fitness for a particular purpose, or non-infringement.

8.2. We do not warrant that the Website or its content will be error-free, uninterrupted, or secure, or that any defects will be corrected.

8.3. In no event shall Promoney.guru, its directors, officers, employees, or agents be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from or in connection with your use of the Website or its content, even if advised of the possibility of such damages.

9. Indemnification

9.1. You agree to defend, indemnify, and hold harmless Promoney.guru, its directors, officers, employees, and agents from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising from or in connection with your use of the Website or its content, your violation of these Terms, or your infringement of any intellectual property or other rights of any third party.

10. Termination

10.1. We reserve the right, in our sole discretion, to terminate your access to the Website and its content at any time, without notice, for any reason, including, but not limited to, violation of these Terms.

11. Governing Law and Jurisdiction

11.1. These Terms shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law provisions.

11.2. You agree to submit to the exclusive jurisdiction of the courts located in Ghaziabad, Uttar Pradesh, India to resolve any dispute arising out of or in connection with these Terms or your use of the Website.

12. Changes to these Terms

12.1. We reserve the right to modify these Terms at any time. Any changes will be effective immediately upon posting the updated Terms on the Website. Your continued use of the Website following the posting of changes constitutes your acceptance of the revised Terms.

13. Contact Us

13.1. If you have any questions or concerns about these Terms or the Website, please contact us at [info@promoney.guru].

14. Severability

14.1. If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be deemed severable from the remaining provisions of these Terms, and the invalidity, illegality, or unenforceability shall not affect the validity, legality, or enforceability of the remaining provisions.

15. Waiver

15.1. No waiver of any provision of these Terms shall be deemed a further or continuing waiver of such provision or any other provision, and our failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.

16. Entire Agreement

16.1. These Terms, together with our Privacy Policy, constitute the entire agreement between you and Promoney.guru regarding your use of the Website and its content and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Website.

17. Assignment

17.1. You may not assign, transfer, or sublicense any or all of your rights or obligations under these Terms without our express prior written consent. We may assign, transfer, or sublicense any or all of our rights or obligations under these Terms without restriction.

18. Notices

18.1. All notices or other communications required or permitted by these Terms shall be in writing and shall be deemed given when delivered personally, sent by certified or registered mail, postage prepaid, or sent by email to the parties at their respective addresses specified in these Terms or at such other address as a party may designate by notice to the other party.

Thank you for visiting and using promoney.guru. Please enjoy our Website responsibly and in accordance with these Terms and Conditions.