Last Updated: May 1, 2026

Please read these terms and conditions carefully before using Our Service.

1. Interpretation and Definitions

This section clarifies the meaning of key terms used throughout these Terms and Conditions. The definitions apply regardless of whether the terms appear in singular or plural form.

  • Affiliate: An entity that controls, is controlled by, or is under common control with a party. “Control” here means owning 50% or more of the shares, equity interest, or other securities entitled to vote for election of directors or other managing authority.
  • Company: Refers to OurFinance, the operator of ourfinance.net. Our purpose is to provide financial education, including information on budgeting, investing, credit management, and income growth.
  • Country: Refers to a Global audience. We comply with data protection standards from the United States (including CCPA and COPPA), European Union (GDPR), United Kingdom, Canada, and other international jurisdictions.
  • Device: Any device capable of accessing the Service, such as a computer, mobile phone, or digital tablet.
  • Service: Refers to the Website and the financial education content provided therein.
  • Terms and Conditions (or “Terms”): This document, which forms the entire agreement between You and the Company regarding your use of the Service.
  • Third-party Social Media Service: Any service or content (including data, information, products, or services) provided by a third party that may be displayed or made available through Our Service.
  • Website: Refers to ourfinance.net, accessible at ourfinance.net.
  • You: The individual accessing or using the Service, or the company or legal entity on whose behalf such individual is accessing or using the Service.

2. Your Agreement to These Terms

Your access to and use of Our Service is contingent upon your acceptance of and compliance with these Terms and Conditions. These Terms apply to all visitors, users, and others who access or use the Service. By accessing or using the Service, you agree to be bound by these Terms. If you disagree with any part of these Terms, you may not access the Service.

Age Requirement: You confirm that you are over the age of 18. The Company does not permit individuals under 18 to use the Service.

Privacy Policy: Your use of the Service is also subject to your acceptance of and compliance with Our Privacy Policy. Our Privacy Policy details how we collect, use, and disclose your personal information and informs you about your privacy rights. Please read Our Privacy Policy carefully before using Our Service.

Global Compliance: Our Service caters to a global audience. We are committed to adhering to key data protection regulations, including GDPR, CCPA, COPPA, and other relevant international data protection standards.

3. Financial Education Disclaimer

The Service provides general information and education related to personal finance, budgeting, investing, credit, and income growth. OurFinance is not a financial advisor, broker, or tax professional. All content provided is for educational and informational purposes only and does not constitute professional financial, investment, or legal advice. You should consult with a licensed professional before making any significant financial decisions. Reliance on any information provided by the Service is solely at your own risk.

4. Links to Other Websites

Our Service may include links to third-party websites or services (such as financial institutions, brokers, or credit reporting agencies) that are not owned or controlled by the Company. 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 the Company will not be responsible or liable, directly or indirectly, for any damage or loss caused by or in connection with your use of or reliance on any content, goods, or services available on or through such websites or services.

5. Termination of Access

We reserve the right to terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason, including if you breach these Terms and Conditions. Upon termination, your right to use the Service will cease immediately.

6. Limitation of Our Liability

To the maximum extent permitted by applicable law, the Company’s and its suppliers’ entire liability under any provision of these Terms, and your exclusive remedy for all of the foregoing, will be limited to the amount you actually paid through the Service, or 100 USD if you haven’t purchased anything.

In no event shall the Company or its suppliers be liable for any special, incidental, indirect, or consequential damages whatsoever (including, but not limited to, damages for loss of profits, loss of data, business interruption, or loss of privacy arising out of or in any way related to the use of or inability to use the Service), even if advised of the possibility of such damages.

7. “AS IS” and “AS AVAILABLE” Disclaimer

The Service is provided to you “AS IS” and “AS AVAILABLE,” with all faults and defects, and without warranty of any kind. The Company expressly disclaims all warranties, whether express, implied, or statutory, including all implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

Without limiting the foregoing, the Company provides no warranty that the Service will meet your financial requirements, achieve any specific financial results (such as investment gains or credit score increases), or that the information provided is 100% accurate, complete, or current. Financial markets and regulations change rapidly; therefore, content may become outdated.

8. Governing Law and Dispute Resolution

Governing Law: The laws of the Country (Global, as defined above), excluding its conflicts of law rules, shall govern these Terms and your use of the Service. Your use of the Website may also be subject to other local, state, national, or international laws.

Disputes Resolution: If you have any concern or dispute about the Service, you agree to first try to resolve the dispute informally by contacting the Company.

United States Legal Compliance: You represent and warrant that (i) you are not located in a country subject to a United States government embargo, and (ii) you are not listed on any United States government list of prohibited or restricted parties.

9. Severability and Waiver

Severability: If any provision of these Terms is deemed unenforceable or invalid, that provision will be modified to achieve its objectives to the greatest extent possible, and the remaining provisions will remain in full force and effect.

Waiver: The failure to exercise a right or to require performance of an obligation under these Terms will not affect a party’s ability to exercise such right at any time thereafter.

10. Translation Interpretation

If we have made these Terms and Conditions available to you in translated versions, you agree that the original English text shall prevail in the event of a dispute.

11. Changes to These Terms and Conditions

We reserve the right, at Our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will make reasonable efforts to provide at least 30 days’ notice before any new terms take effect. What constitutes a material change will be determined at Our sole discretion.

By continuing to access or use Our Service after those revisions become effective, you agree to be bound by the revised terms.

12. Contact Us

If you have any questions about these Terms and Conditions, you can contact us: