Welcome to FreshWealth. By accessing or using freshwealthhq.com (the “Website”), you agree to comply with and be bound by these Terms of Service (“Terms”). If you do not agree with any part of these Terms, you must not access or use the Website. Please read these Terms carefully before using our content.

1. Acceptance of Terms

These Terms constitute a legally binding agreement between you (“User,” “you,” or “your”) and FreshWealth (“we,” “us,” “our,” or “FreshWealth HQ”), the operator of freshwealthhq.com.

By accessing the Website, browsing its content, or otherwise interacting with FreshWealth in any manner, you confirm that:

• you have read, understood, and agree to be bound by these Terms in full
• you are at least 18 years of age, or you are accessing the Website with the consent of a parent or legal guardian
• you have the legal capacity to enter into this agreement
• your use of the Website complies with all applicable laws and regulations in your jurisdiction

If you do not meet these requirements or do not agree with any provision of these Terms, you must immediately discontinue use of the Website.

2. Use of the Website

Permitted use

FreshWealth provides educational personal finance content for general informational purposes. You may access and read the content for personal, non-commercial use. You may share links to our articles on social media, in personal communications, or in other public forums, provided you do not misrepresent or alter the content.

Prohibited conduct

When using the Website, you agree NOT to:

• copy, reproduce, republish, or redistribute any content without our written permission
• use the Website or its content for any commercial purpose without authorization
• frame, mirror, or scrape the Website using automated tools, bots, or crawlers
• attempt to gain unauthorized access to any part of the Website, servers, or related systems
• use the Website to transmit malicious software, viruses, or harmful code
• engage in any activity that disrupts or interferes with the Website’s functionality
• impersonate FreshWealth, its team, or any other person or entity
• use the content to mislead, defraud, or harm any third party
• collect personal information about other users without their consent
• violate any applicable local, national, or international law or regulation

We reserve the right to investigate and take appropriate legal action against anyone who violates these provisions, including removing content, terminating access, and reporting violations to law enforcement.

3. Comments and User-Generated Content

The Website may allow you to submit comments, feedback, or other content (“User Content”). By submitting User Content, you:

• represent that you own or have the necessary rights to share such content
• grant FreshWealth a non-exclusive, royalty-free, perpetual, worldwide license to use, display, edit, modify, and distribute your User Content in connection with the Website
• understand that your User Content may be publicly visible and you accept responsibility for its content
• agree that you will not submit content that is unlawful, defamatory, harassing, obscene, threatening, or otherwise objectionable

We reserve the right, at our sole discretion, to:

• review, edit, or remove any User Content without prior notice
• refuse to publish content that violates these Terms or our editorial standards
• block users who engage in repeated violations

FreshWealth does not endorse and is not responsible for User Content. Opinions expressed in comments or other user submissions are those of the individual users and do not reflect the views of FreshWealth.

4. Intellectual Property Rights

Ownership

All content on freshwealthhq.com — including but not limited to articles, text, graphics, images, logos, illustrations, designs, page layouts, audiovisual content, and the compilation thereof (collectively, the “Content”) — is the exclusive property of FreshWealth HQ or its licensors and is protected by copyright, trademark, and other intellectual property laws.

Limited license to users

FreshWealth grants you a limited, non-exclusive, non-transferable, revocable license to access and view the Content for personal, non-commercial use only. This license does not permit you to:

• republish or repost any Content on other websites, blogs, or platforms
• create derivative works based on the Content
• sell, license, or commercially exploit the Content
• use the Content for AI training, machine learning, or any automated content generation
• remove copyright notices, attributions, or trademarks from the Content

Trademarks

“FreshWealth,” “FreshWealth HQ,” and the FreshWealth logo are trademarks of FreshWealth HQ. You may not use these trademarks without our prior written permission.

Permitted citations

You may quote brief excerpts of FreshWealth articles for educational, journalistic, or commentary purposes, provided you include proper attribution and a link back to the original article. Excerpts must not exceed 100 words and must not constitute the substantial portion of any third-party content.

DMCA / copyright complaints

If you believe that any Content on the Website infringes your copyright, please contact us with the following information:

• identification of the copyrighted work claimed to be infringed
• identification of the material that is claimed to be infringing
• your contact information (name, address, phone, email)
• a statement that you have a good-faith belief that the use is unauthorized
• a statement, under penalty of perjury, that the information is accurate and you are authorized to act

5. Third-Party Links and Services

FreshWealth contains links to third-party websites, products, and services that are not owned or controlled by us. These include but are not limited to:

• government agency websites (IRS, Federal Reserve, SSA, BLS, etc.)
• institutional research publications (Fidelity, Vanguard, etc.)
• news sources and educational resources
• affiliate partner websites (where applicable)
• social media platforms

By using third-party links, you acknowledge and agree that:

• FreshWealth has no control over the content, policies, or practices of third-party websites
• FreshWealth is not responsible for the availability, accuracy, or content of any linked third-party site
• your interactions with third parties are solely between you and the third party
• third-party websites have their own terms of service and privacy policies, which you should review separately

We encourage you to read the terms and privacy policies of any third-party websites you visit through our links.

6. Disclaimers

The Website and all Content are provided on an “as is” and “as available” basis without warranties of any kind, either express or implied. To the fullest extent permitted by law, FreshWealth disclaims all warranties, including but not limited to:

• implied warranties of merchantability, fitness for a particular purpose, and non-infringement
• warranties regarding the accuracy, reliability, completeness, or timeliness of Content
• warranties that the Website will be uninterrupted, error-free, secure, or free of viruses or other harmful components
• warranties regarding the results that may be obtained from using the Website or its Content

Your use of the Website and reliance on any Content is solely at your own risk.

7. Limitation of Liability

To the maximum extent permitted by applicable law, FreshWealth, its owners, editorial team, contributors, employees, and affiliates shall NOT be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or in connection with:

• your access to, use of, or inability to use the Website
• any reliance on Content published on the Website
• any errors, omissions, or inaccuracies in the Content
• any financial losses, missed opportunities, or unsuccessful outcomes
• any decisions made based on information from this Website
• any third-party content, links, or services accessed through the Website
• any unauthorized access to or alteration of your data
• any conduct or content of any third party on the Website

This limitation applies regardless of the legal theory under which damages are sought, whether in contract, tort, negligence, strict liability, or otherwise, and even if FreshWealth has been advised of the possibility of such damages.

Where applicable law does not allow the exclusion or limitation of certain damages, our total liability shall be limited to the maximum extent permitted by law and, in any event, shall not exceed the amount of US$50.

8. Indemnification

You agree to indemnify, defend, and hold harmless FreshWealth, its owners, editorial team, contributors, employees, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to:

• your use of or access to the Website
• your violation of these Terms
• your violation of any third-party rights, including intellectual property, privacy, or contractual rights
• any User Content you submit, post, or transmit through the Website
• any decisions you make based on Content from the Website

This indemnification obligation will survive the termination of these Terms and your use of the Website.

9. Privacy

Your use of the Website is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information. By using the Website, you consent to the collection and use of your information as described in the Privacy Policy.

For information about our editorial standards and how we handle content corrections, please see our Editorial Standards & Methodology.

10. Termination

We reserve the right, at our sole discretion, to:

• terminate or suspend your access to the Website at any time, without prior notice, for any reason or no reason
• modify, suspend, or discontinue any part of the Website without prior notice
• refuse service to anyone for any reason at our discretion

Upon termination, your right to use the Website will immediately cease. All provisions of these Terms that by their nature should survive termination — including ownership provisions, warranty disclaimers, indemnification, and limitations of liability — shall survive.

11. Changes to These Terms

We reserve the right to modify, update, or replace these Terms at any time at our sole discretion. When we make material changes:

• the “Last updated” date at the bottom of this page will be revised
• significant changes may be communicated through a notice on the Website
• your continued use of the Website after changes constitutes acceptance of the revised Terms

It is your responsibility to review these Terms periodically. If you do not agree with any modifications, you must immediately discontinue use of the Website.

12. Governing Law and Jurisdiction

These Terms and any disputes arising out of or relating to them or your use of the Website shall be governed by and construed in accordance with the laws of Ukraine, without regard to its conflict of law principles.

Any legal action, suit, or proceeding arising out of or relating to these Terms or the Website shall be brought exclusively in the competent courts of Ukraine. By using the Website, you consent to the personal jurisdiction of and venue in such courts and waive any objection to such jurisdiction or venue.

If you are accessing the Website from outside Ukraine, you do so on your own initiative and are responsible for compliance with applicable local laws.

13. Severability

If any provision of these Terms is found by a court of competent jurisdiction to be invalid, illegal, or unenforceable, such provision shall be modified to the minimum extent necessary to make it enforceable, or, if modification is not possible, severed from these Terms. The remaining provisions shall continue in full force and effect.

Our failure to enforce any right or provision of these Terms shall not be deemed a waiver of such right or provision.

14. Contact Information

If you have questions, concerns, or requests regarding these Terms, please reach out to us through our contact page.

For information about our editorial process, fact-checking, and corrections, see our Editorial Standards & Methodology.

For information about how we handle your personal data, see our Privacy Policy.

For our complete financial disclaimer, see our Financial Disclaimer.

These Terms of Service were last updated in May 2026. We reserve the right to update or modify these Terms at any time.