Terms of Service

Effective Date: October 2, 2026 • Last Updated: October 3, 2026

Please read these Terms of Service ("Terms") carefully before using the FinWise website located at https://thefinwise.site/ ("Service") operated by FinWise ("us", "we", or "our").

1. Agreement to Terms

By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of these terms, then you may not access the Service. These Terms apply to all visitors, users, and others who access or use the Service.

2. Intellectual Property Rights

The Service and its original content, features, and functionality are and will remain the exclusive property of FinWise and its licensors. All quantitative analyses, mathematical formulations, backtest methodologies, data tables, editorial copy, SVG graphics, and all other materials are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

You may cite brief excerpts from our analyses for non-commercial, educational, or journalistic purposes, provided you include clear attribution with the author name and a direct hyperlink to the original article on thefinwise.site.

3. User Responsibilities

As a user of our Service, you agree not to:

• Use our content for any unlawful purpose or in violation of any applicable regulations
• Reproduce, duplicate, copy, sell, resell, or exploit any portion of the Service without express written permission
• Use automated means (bots, scrapers, spiders) to access, mine, or extract content from the Service
• Attempt to circumvent any security measures, access restrictions, or copy protection mechanisms
• Transmit any viruses, malware, or harmful code through the Service
• Impersonate FinWise, its authors, or any affiliated entity

4. Financial Content Disclaimer

All content published on FinWise is for educational and informational purposes only. Nothing on this website constitutes personalized investment advice, a solicitation to buy or sell securities, or a recommendation for any specific financial strategy. Always consult a qualified, licensed financial advisor before making investment decisions. Please review our full Financial Disclaimer for complete details.

5. Third-Party Links

Our Service may contain links to third-party websites or services that are not owned or controlled by FinWise. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that FinWise shall not be responsible or liable for any damage or loss caused by the use of such external content.

6. Advertising

FinWise may display third-party advertisements through authorized advertising networks, including but not limited to Google AdSense. The presence of advertisements on our site does not constitute an endorsement of the advertised products or services. Interactions with advertisers are solely between you and the advertiser.

7. Disclaimer of Warranties

The Service is provided on an "AS IS" and "AS AVAILABLE" basis. FinWise makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property.

8. Limitation of Liability

In no event shall FinWise, its directors, employees, partners, agents, suppliers, or affiliates 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 your access to or use of (or inability to access or use) the Service.

9. Indemnification

You agree to defend, indemnify, and hold harmless FinWise and its licensees, licensors, employees, contractors, agents, officers, and directors from and against any claims, damages, obligations, losses, liabilities, costs, or debt arising from your use of the Service or violation of these Terms.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

11. Changes to Terms

We reserve the right to modify or replace these Terms at any time. Material changes will be posted on this page with an updated "Last Updated" date. Continued use of the Service after changes constitutes acceptance of the modified Terms.

12. Contact

For questions about these Terms, please contact us at editorial@thefinwise.site or visit our Contact Page.