Terms & Conditions

Effective Date: January 14, 2026
Last Updated: January 14, 2026
Platform: CEO eFinance (www.ceoefinance.com and all subdomains, mobile apps, newsletters, and social media channels)
Owner: CEO eFinance LLC (“we,” “us,” or “our”)

1. ACCEPTANCE OF TERMS

By accessing or using CEO eFinance (the “Platform”), you (“User,” “you,” or “your”) agree to be legally bound by these Terms & Conditions (“Terms”), our Privacy Policy, and all applicable laws. If you do not agree, immediately discontinue use. Continued use after updates constitutes acceptance of changes.

2. DEFINITIONS

“Affiliate Links”: Trackable URLs connecting Users to third-party products/services where we may earn commissions.
“Content”: All materials on the Platform (articles, tools, videos, calculators, graphics, user comments).
“Regulated Financial Advice”: Personalized guidance requiring licensing under authorities (e.g., SEC, FCA, ASIC).

3. USER OBLIGATIONS & ACCOUNT SECURITY

Accuracy of Information: You warrant all data provided (e.g., email, demographic details) is true and current.
Account Protection: If registration is required, you are solely responsible for:
- Confidentiality of credentials.
- All activities under your account.
- Prompt reporting of unauthorized access to legal@ceoefinance.com.
Prohibited Conduct: You agree not to:
- Use the Platform for illegal activities or to distribute malware.
- Scrape, mirror, or exploit Content without written permission.
- Harass other Users or impersonate any person/entity.

4. INTELLECTUAL PROPERTY

Ownership: All Platform Content, logos, software, and design are owned by CEO eFinance or licensed to us.
Limited License: You may access Content for personal, non-commercial use only. No rights to reproduce, sell, or create derivative works without prior written consent.
User-Generated Content: If commenting forums exist, you grant us a royalty-free, perpetual license to display, modify, and distribute your submissions. You retain ownership but warrant content is non-infringing and lawful.

5. AFFILIATE DISCLOSURE

(As legally required under FTC guidelines and global advertising standards)

Commission Structure: We earn financial compensation (e.g., commissions, bonuses) when Users click Affiliate Links and complete qualifying actions (e.g., purchases, sign-ups).
Transparency Commitments:
- All Affiliate Links are explicitly labeled (e.g., “Ad,” “Sponsored,” or “Affiliate Link“).
- Partnerships never influence editorial content. Products/services are vetted independently.
- No added cost to Users: Commissions are paid solely by partners.
Disclosure Scope: Applies to all content formats (articles, videos, social media, emails).

6. FINANCIAL DISCLAIMER

(Critical compliance with global financial regulations)

No Regulated Advice:
“CEO eFinance provides general information only. We are NOT licensed financial advisors, brokers, CPAs, or registered investment advisors. Content does NOT constitute personalized tax, legal, investment, or financial advice under any jurisdiction (e.g., SEC Rule 15c3-5, MiFID II, ASIC RG244).”
Risk Acknowledgement:
- All financial decisions involve risk of loss. Past performance ≠ future results.
- Market conditions change rapidly; Content may become outdated.
User Responsibilities:
- ALWAYS consult a qualified professional before acting on Platform information.
- Verify all data through primary sources (e.g., SEC filings, bank statements).
Third-Party Tools/Calculators:
Outputs are estimates only. We disclaim liability for inaccuracies from external APIs or inputs.

7. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

CEO eFinance and its affiliates exclude all liability for:
- Direct, indirect, or consequential damages arising from Platform use.
- Losses from financial decisions based on our Content.
- Errors in third-party data (e.g., stock prices, interest rates).
Maximum Liability: If liability is imposed, it shall not exceed $100 USD per claim.

8. THIRD-PARTY LINKS & CONTENT

Links to external sites (e.g., brokerages, news outlets) are for convenience only.
We do not:
- Endorse linked content.
- Control accuracy, legality, or safety of third-party sites.
- Assume responsibility for their privacy practices.
Affiliate partnerships do not imply control over partner entities.

9. DATA & PRIVACY

Our Privacy Policy governs data collection (e.g., cookies, usage analytics).
Critical Note: We never sell your personal data to third parties. Financial data (e.g., income, debts) shared in calculators is not stored unless explicitly consented.

10. TERMINATION

We reserve the right to:

Suspend or terminate access for violations of these Terms.
Remove Content deemed unlawful, defamatory, or harmful.
Discontinue the Platform entirely with 30 days’ notice via email/website banner.

11. GOVERNING LAW & DISPUTES

Jurisdiction: These Terms are governed by the laws of the State of Delaware, USA, without regard to conflict-of-law principles.
Dispute Resolution: All disputes shall be resolved through binding arbitration via the American Arbitration Association (AAA) in Wilmington, DE. Class action waivers apply.
Venue: For non-arbitrable claims, exclusive venue is federal/state courts in Delaware.

12. CHANGES TO TERMS

We may update these Terms periodically. Material changes will be notified via:
- Email to registered Users.
- A banner on the Platform homepage for 14 days.
Continued use after updates = acceptance. Review dates above for version control.

13. CONTACT & LEGAL INQUIRIES

Direct all questions to:

CEO eFinance LLC
Attn: Legal Department
Email: legal@ceoefinance.com
Mailing Address: [Registered Business Address]
Responses within 10 business days.

ACKNOWLEDGEMENT

“By using CEO eFinance, you confirm you are at least 18 years old, understand that no fiduciary relationship is created through Platform use, and accept full responsibility for your financial decisions. If you are dissatisfied with any aspect of the Platform or these Terms, your sole remedy is to cease usage.”

Terms & Conditions