Terms of Use – Coffee With Finance

Effective Date: February 17, 2025

Welcome to Coffee With Finance (https://coffeewithfinance.com/), a platform developed by My Financial Life to provide educational content related to financial well-being. By accessing or using this website, you agree to comply with and be bound by the following Terms of Use, which govern your relationship with our website and all associated services.

Please read these Terms of Use carefully. If you do not agree to any part of these terms, you should not access or use the site.

1. Acceptance of Terms

By accessing or using this website, you affirm that you are at least 18 years of age and fully capable of entering into legally binding agreements. Your continued use of the site constitutes your acceptance of these Terms of Use and any future modifications we may implement.

Coffee With Finance reserves the right to revise, modify, or update these terms at any time without prior notice. The updated version will always be available on this page, and the “Effective Date” will reflect the latest revision. We recommend reviewing this page periodically to stay informed of any changes.

2. Website Use

The content available on Coffee With Finance is provided solely for informational, educational, and personal use. You may browse, download, or print content for your individual and non-commercial use, as long as you do not modify or alter the material in any way.

You agree not to:

• Use the website for any illegal, unethical, or unauthorized purpose.
• Interfere with the website’s operation, security, or integrity.
• Upload or distribute malicious code, viruses, or spyware.
• Attempt to gain unauthorized access to any portion of the website or related systems.
• Engage in any behavior that may harm the site or its users.

3. Intellectual Property

All content on this website—including but not limited to text, images, videos, audio, infographics, logos, design elements, and downloadable materials—is the intellectual property of Coffee With Finance or its content suppliers. These materials are protected by international copyright, trademark, and other intellectual property laws.

Unless explicitly stated otherwise, you may not:

• Copy, reproduce, republish, upload, post, transmit, or distribute content in any form or by any means.
• Use our logo, name, or any branded elements for promotional or commercial purposes without prior written permission.
• Frame or mirror any part of the website without express consent.

Violation of these rules may result in legal action and the termination of your access to the site.

4. User Responsibilities

As a user of Coffee With Finance, you are expected to act responsibly and respectfully. You agree:

• Not to post or transmit content that is abusive, obscene, defamatory, misleading, or otherwise offensive.
• Not to use the website to collect or store personal data about other users.
• To provide accurate and honest information if prompted to submit any data.
• To respect the rights and privacy of other users and third parties.

We reserve the right to monitor user activity and remove any content that we deem inappropriate, offensive, or in violation of these Terms of Use.

5. Third-Party Links and Services

Our website may include links to third-party websites, services, tools, or resources that are not controlled by Coffee With Finance. These external links are provided for your convenience and do not signify our endorsement of the content, policies, or practices of those sites.

We are not responsible for:

• The content or availability of third-party sites.
• The terms of service or privacy policies of those sites.
• Any loss or damage resulting from your use of third-party websites.

Visiting external links is done at your own risk, and we encourage you to review their terms and policies before interacting with their content or services.

6. Financial Disclaimer

While Coffee With Finance strives to provide accurate, well-researched, and current information, the content on this website does not constitute financial, legal, or professional advice.

All articles, tools, and recommendations are intended for educational and informational purposes only. You should consult a qualified financial advisor, accountant, or legal professional before making any financial decisions based on content found on our site.

We make no warranties or representations regarding the accuracy, completeness, or usefulness of any content and expressly disclaim any liability for errors or omissions.

7. Limitation of Liability

To the fullest extent permitted by law, Coffee With Finance and its affiliates, contributors, or partners shall not be held liable for:

• Any direct, indirect, incidental, special, or consequential damages.
• Loss of profits, data, goodwill, or other intangible losses.
• Any damages resulting from:
  • Your access to or inability to access the website.
  • The use or performance of any content or services.
  • Unauthorized access to your personal data.
  • Third-party interference or service disruptions.

This limitation applies even if Coffee With Finance has been advised of the possibility of such damages.

8. Termination of Access

We reserve the right to restrict, suspend, or terminate your access to the website at any time without prior notice if we believe you have violated these Terms of Use or engaged in behavior harmful to the website or its users.

Upon termination:

• Your right to use the website ceases immediately.
• We may delete any data associated with your use of the site, where permitted by law.
• You remain liable for any obligations or actions taken prior to termination.

9. Privacy Policy

Use of our website is also governed by our Privacy Policy, which outlines how we collect, use, and protect your personal information. By agreeing to these Terms of Use, you also acknowledge and agree to our Privacy Policy.

If you would like to learn more about how we use cookies and tracking technologies, please refer to our Cookie Policy.

10. Indemnification

You agree to indemnify, defend, and hold harmless Coffee With Finance, its owners, employees, partners, and affiliates from and against any claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including attorney’s fees) arising from:

• Your violation of these Terms of Use.
• Your use of the website or services.
• Your violation of any rights of another user or third party.
• Any content you post, upload, or transmit through the website.

This obligation will survive the termination or expiration of these Terms of Use.

11. Governing Law and Jurisdiction

These Terms of Use shall be governed and construed in accordance with the laws of the jurisdiction in which Coffee With Finance operates. Any disputes arising from or related to your use of the site shall be resolved in the courts located in that jurisdiction, and you consent to the exclusive jurisdiction of such courts.

12. No Waiver

Our failure to enforce any right or provision of these Terms of Use shall not be considered a waiver of those rights. If any provision is found to be invalid or unenforceable by a court, the remaining provisions of these Terms shall remain in full force and effect.

13. Entire Agreement

These Terms of Use, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Coffee With Finance regarding your use of the website and supersede any prior agreements or understandings.

14. Contact Us

If you have any questions, concerns, or suggestions about these Terms of Use, feel free to contact us at:

📧 Email: contact@coffeewithfinance.com

We are here to assist you and ensure your experience with Coffee With Finance remains secure, positive, and aligned with your expectations.

Thank you for choosing Coffee With Finance. By using our platform, you acknowledge that you’ve read, understood, and agreed to be bound by these Terms of Use.