Terms of Use

Welcome to iKnowFi.Life ("Site"), a website owned and operated by Fintactix, LLC (referred to as "iKnowFi.Life," "we," or "us"). By accessing, browsing, or using the Site in any way, you (the "user" or "you") agree to these Terms of Use ("Terms"), which constitute a legally binding agreement between you and Fintactix, LLC.

1. Acceptance of Terms

These Terms govern your use of the Site. By using the Site, you represent and warrant that you are at least 18 years old (or the age of majority in your jurisdiction) or are at least 13 years old and have the consent of a parent or legal guardian. If you do not agree to these Terms, do not use the Site.

2. Intellectual Property

Unless otherwise stated, Fintactix, LLC owns all intellectual property rights in the content and materials on this Site. You may view, download, and print pages from the Site for personal, non-commercial use, subject to the restrictions below:

  • Do not republish material from the Site.
  • Do not sell, rent, or sub-license material from the Site.
  • Do not show any material from the Site in public without permission.
  • Do not reproduce, duplicate, or exploit material on the Site for a commercial purpose.
  • Do not edit or modify any material on the Site without explicit permission.

3. Acceptable Use

You agree not to use the Site in any way that:

  • Causes damage to the Site or impairs its accessibility.
  • Is unlawful, fraudulent, or harmful.
  • Involves copying, storing, transmitting, or distributing malware or malicious software.
  • Involves systematic data collection activities without our prior consent (e.g., scraping, data mining).

4. Restricted Access

We reserve the right to restrict access to parts of the Site or the entire Site at our discretion. If we provide you with a user ID and password to access restricted areas, you must keep these credentials confidential. We may disable your credentials without notice if you violate these Terms.

5. User Content

"User content" includes any material you submit to the Site, such as text, images, or videos. By submitting content, you grant us a worldwide, irrevocable, royalty-free license to use, reproduce, and distribute your content. You warrant that your content is not illegal, does not infringe third-party rights, and does not expose us to legal claims. We reserve the right to remove any user content without notice.

6. No AI Use

Content on this Site may not be used or downloaded for training or operating artificial intelligence or machine learning systems without our explicit written consent.

7. Privacy Policy

Your use of the Site is subject to our Privacy Policy, which explains how we collect, use, and protect your data. By using the Site, you consent to our data practices as outlined in the Privacy Policy.

8. Disclaimer of Warranties

The Site is provided "as is" without any warranties, express or implied. We do not guarantee that the Site will always be available, secure, or error-free. Nothing on the Site constitutes professional advice; consult an appropriate professional for advice specific to your circumstances.

9. Limitation of Liability

To the extent permitted by law, Fintactix, LLC will not be liable for any direct, indirect, or consequential losses arising from your use of the Site, including loss of revenue, data, or goodwill.

10. Indemnification

You agree to indemnify and hold harmless Fintactix, LLC from any claims, damages, or expenses arising from your use of the Site or violation of these Terms.

11. Modifications to Terms

We may revise these Terms at any time without prior notice. Updated Terms will be effective immediately upon posting. Please review these Terms regularly to stay informed of any changes.

12. Governing Law

These Terms are governed by the laws of the state of California. Any disputes will be subject to the exclusive jurisdiction of the courts located in California.

13. Contact Us

For questions or concerns regarding these Terms, please contact us at teamiknowfi@iknowfi.com.

Thank you for using iKnowFi.Life.