Terms and Conditions
Last Updated: 01-01-25
Welcome to Riz Talks Finance ("we," "us," or "our"), a website owned and operated by Riz OÜ, located at riztalksfinance.com. By accessing or using our website, you agree to comply with and be bound by the following Terms and Conditions. If you do not agree to these terms, please refrain from using our website.
Acceptance of Terms
By using Riz Talks Finance, you confirm that you are at least 16 years old (or the legal age of majority in your jurisdiction) and agree to these Terms and Conditions, our Privacy Policy, our Refund Policy and any additional guidelines we may provide.
Intellectual Property Rights
Unless otherwise stated, Riz OÜ and/or its licensors own all intellectual property rights for the content on Riz Talks Finance, including but not limited to text, graphics, videos, logos, and software. All rights are reserved.
You may access and use the content for personal, non-commercial purposes, subject to the following restrictions:
You must not copy, republish, or redistribute content without our prior written consent.
You must not sell, rent, or sub-license any material from the website.
You must not reproduce, duplicate, or create derivative works based on our content.
User-Generated Content
Certain areas of the website may allow users to post comments, opinions, or other content ("User Content"). By submitting User Content, you agree to the following:
You are solely responsible for the content you post and its accuracy.
You grant Riz OÜ a non-exclusive, royalty-free, perpetual, and worldwide license to use, reproduce, modify, and distribute your User Content.
You warrant that your User Content does not infringe any third-party rights (e.g., copyright, trademark, or privacy rights) and is not defamatory, offensive, or unlawful.
We reserve the right to monitor, edit, or remove any User Content that violates these Terms and Conditions or is deemed inappropriate.
Cookies and Tracking Technologies
We use cookies and similar technologies to enhance your experience on Riz Talks Finance. Cookies are small text files stored on your device that help us analyze website traffic, personalize content, and improve functionality.
By using our website, you consent to the use of:
Required Cookies: Necessary for the website to function properly.
Optional Cookies: Used for analytics, marketing, and personalization. You can manage or disable these cookies through your browser settings.
For more details, please refer to our Privacy Policy.
Third-Party Links and Services
Our website may contain links to third-party websites or services that are not owned or controlled by Riz OÜ. We are not responsible for the content, privacy practices, or actions of these third parties. Your use of third-party websites is at your own risk, and we encourage you to review their terms and policies.
Hyperlinking to Our Website
You may link to our website under the following conditions:
The link must not be deceptive or falsely imply sponsorship, endorsement, or approval.
The link must fit within the context of the linking party's website.
You must notify us by email at riz@riztalksfinance.com and provide details of the linking URL(s).
We reserve the right to request the removal of any link to our website at any time.
Disclaimer of Warranties
Riz Talks Finance and its content are provided "as is" and "as available" without any warranties, express or implied. We do not guarantee the accuracy, completeness, or reliability of the content, nor do we promise that the website will be error-free or uninterrupted.
Limitation of Liability
To the fullest extent permitted by law, Riz OÜ and its affiliates shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from:
Your use or inability to use the website.
Any unauthorized access to or use of our servers or personal data.
Any errors or omissions in the content.
This limitation applies even if we have been advised of the possibility of such damages.
Indemnification
You agree to indemnify and hold harmless Riz OÜ, its affiliates, and their respective officers, directors, employees, and agents from any claims, liabilities, damages, or expenses (including legal fees) arising from:
Your use of the website.
Your violation of these Terms and Conditions.
Your User Content or any third-party claims related to it.
Changes to These Terms
We reserve the right to update or modify these Terms and Conditions at any time. Any changes will be posted on this page with an updated "Last Updated" date. Your continued use of the website after such changes constitutes your acceptance of the revised terms.
Governing Law and Dispute Resolution
These Terms and Conditions are governed by the laws of [Insert Jurisdiction]. Any disputes arising from your use of the website shall be resolved through negotiation, mediation, or arbitration, as appropriate.
Contact Information
If you have any questions or concerns about these Terms and Conditions, please contact us at riz@riztalksfinance.com