Terms of Use

Last updated: May 2025

Please read these Terms of Use (“Terms”) carefully before accessing or using Finluxy.com (“the Site,” “we,” “us,” or “our”). These Terms constitute a legally binding agreement between you and Luong Ngo, the owner and operator of Finluxy.com. By accessing or using this Site in any way, you confirm that you have read, understood, and agree to be bound by these Terms in full.

If you do not agree to these Terms, you must not use this Site.

1. Acceptance and Eligibility

By using this Site, you represent and warrant that:

  • You are at least 18 years of age, or the age of legal majority in your jurisdiction, whichever is greater
  • You have the legal capacity to enter into a binding agreement
  • You are not prohibited from accessing or using this Site under the laws of your jurisdiction
  • All information you provide to us (including through contact forms) is accurate and truthful

2. Permitted Use

You may access and use Finluxy.com for personal, non-commercial informational and educational purposes, subject to these Terms.

You may:

  • Read, browse, and share links to articles on this Site
  • Quote brief excerpts (up to 75 words per article) with clear, prominent attribution to Finluxy.com and a direct hyperlink to the original article
  • Print or save individual articles for your personal, non-commercial use

3. Prohibited Uses

You agree that you will not:

  • Copy, reproduce, republish, upload, post, transmit, or distribute any content from this Site in any form beyond the permitted use described above, without our prior written permission
  • Scrape, crawl, spider, or harvest any content, data, or information from this Site using automated tools without our prior written consent
  • Use any content from this Site to train, fine-tune, or evaluate any artificial intelligence or machine learning model without our explicit written permission
  • Remove, alter, or obscure any copyright, trademark, or proprietary notices from any content on this Site
  • Use the Site for any unlawful purpose or in violation of any applicable local, state, national, or international law
  • Attempt to gain unauthorized access to any portion of the Site, server, network, or system connected to the Site
  • Transmit any unsolicited commercial communications or spam through our contact forms
  • Impersonate any person or entity, or misrepresent your affiliation with any person or entity
  • Interfere with or disrupt the integrity or performance of the Site or servers hosting it
  • Use the Site or its content to create competing products or services without our written consent

Violations of these prohibitions may result in civil or criminal liability under applicable law.

4. Intellectual Property Rights

All content on Finluxy.com — including but not limited to articles, data analyses, original research compilations, graphics, page layout, site design, the Finluxy name and brand, and all other original works — is the exclusive intellectual property of Luong Ngo / Finluxy.com and is protected by U.S. and international copyright law, trademark law, and other applicable intellectual property rights.

Nothing in these Terms grants you any ownership interest in any content on this Site. The limited permission to quote brief excerpts (Section 2) does not constitute a waiver of copyright or a license to use our content beyond the scope explicitly stated.

For permission to reproduce, republish, or use content beyond what these Terms permit, contact us at [email protected]. Permission requests are evaluated on a case-by-case basis and are not guaranteed.

5. DMCA / Copyright Infringement Claims

If you believe that your copyrighted work has been reproduced on this Site in a manner that constitutes copyright infringement, please send a written notice to [email protected] containing the following information:

  1. A description of the copyrighted work you claim has been infringed
  2. The URL or location on Finluxy.com where the allegedly infringing material appears
  3. Your name, address, telephone number, and email address
  4. A statement that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law
  5. A statement, made under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or are authorized to act on the copyright owner’s behalf
  6. Your physical or electronic signature

We will investigate all legitimate notices and respond promptly.

6. No Financial, Legal, or Professional Advice

The content published on Finluxy.com is provided for informational and educational purposes only. Nothing on this Site constitutes, and nothing should be construed as:

  • Personalized financial advice or financial planning guidance
  • Investment advice or a recommendation to buy, sell, or hold any investment or financial instrument
  • Legal advice or legal counsel
  • Tax advice or accounting guidance
  • Insurance advice or recommendations
  • Medical, health, or other professional advice of any kind

The author and operator of this Site is not a licensed financial advisor, registered investment advisor (RIA), certified public accountant (CPA), licensed attorney, insurance professional, or any other licensed professional advisor.

Financial data, benchmarks, and cost figures published on this Site reflect publicly available information and the author’s analytical interpretation of that information. They do not account for your individual financial situation, goals, tax circumstances, risk tolerance, or any other personal factors.

Always consult a qualified, licensed professional before making any financial, investment, legal, tax, or other significant decisions.

7. No Warranties

This Site and all content on it are provided on an “as is” and “as available” basis, without any warranties of any kind, either express or implied.

To the fullest extent permitted by applicable law, we expressly disclaim all warranties, including but not limited to:

  • Implied warranties of merchantability, fitness for a particular purpose, and non-infringement
  • Any warranty that the Site will be available without interruption, error, or omission
  • Any warranty that the content is complete, accurate, current, or free of errors
  • Any warranty regarding the results that may be obtained from use of the Site

We make reasonable efforts to maintain accuracy and to update content when data changes, but we cannot guarantee that all content reflects current figures at all times.

8. Limitation of Liability

To the maximum extent permitted by applicable law, Finluxy.com, its owner, and its operators shall not be liable for any:

  • Direct, indirect, incidental, special, consequential, punitive, or exemplary damages
  • Loss of profits, revenue, data, goodwill, or other intangible losses
  • Damages arising from your use of, or inability to use, this Site or its content
  • Damages arising from reliance on any information or data published on this Site
  • Damages arising from any errors, inaccuracies, or omissions in the content
  • Damages arising from any financial decisions made based on content from this Site

This limitation of liability applies regardless of whether the claim is based in contract, tort, negligence, strict liability, or any other legal theory, and even if we have been advised of the possibility of such damages.

If any limitation in this section is found unenforceable under applicable law, our total liability to you for all claims shall not exceed fifty U.S. dollars (USD $50).

9. Indemnification

You agree to indemnify, defend, and hold harmless Finluxy.com and its owner, Luong Ngo, from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to: (a) your use of the Site in violation of these Terms; (b) your violation of any applicable law or regulation; (c) your infringement of any third-party right; or (d) any content you submit through contact forms or other means.

10. Third-Party Links and Content

This Site contains links to third-party websites, including affiliate links. These links are provided for convenience and informational purposes only. We have no control over, and assume no responsibility for, the content, accuracy, privacy practices, products, or services of any third-party website.

The inclusion of a link to a third-party site does not constitute endorsement, sponsorship, or approval of that site, its content, or its operators.

When you click an affiliate link, you leave Finluxy.com. Your use of any third-party site is governed by that site’s own terms and policies.

11. Modifications to the Site

We reserve the right to modify, suspend, or discontinue any aspect of the Site at any time without notice and without liability. We may update, remove, or revise any content at any time.

12. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the United States applicable to agreements made and performed entirely within the United States, without regard to conflict of law principles.

Any dispute, claim, or controversy arising out of or relating to these Terms or your use of this Site that cannot be resolved through good-faith negotiation shall be resolved through binding arbitration administered under the rules of the American Arbitration Association (AAA), except that either party may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent actual or threatened infringement of intellectual property rights.

You agree that any arbitration or litigation shall be conducted individually, and not as part of a class action, class arbitration, or representative proceeding.

13. Severability

If any provision of these Terms is found by a court of competent jurisdiction to be invalid, illegal, or unenforceable, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.

14. Entire Agreement

These Terms, together with our Privacy Policy, Disclaimer, and Affiliate Disclosure, constitute the entire agreement between you and Finluxy.com regarding your use of this Site and supersede all prior agreements, representations, or understandings.

15. Changes to These Terms

We may update these Terms at any time by posting the revised version on this page with an updated “Last updated” date. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms. If a change is material, we will make reasonable efforts to provide notice.

16. Contact

For questions about these Terms:

Email: [email protected]
Contact form: finluxy.com/contact/