These Terms of Use govern your access to and use of our website located at clvha.com and any related services provided by us.
By accessing or using our Site, you agree to comply with and be bound by these Terms. If you do not agree with any part of these Terms, you must not use our Site.
1. Acceptance of Terms
By accessing or using CLVHA.com, you affirm that you are at least 18 years old and capable of entering into legally binding contracts. If you are using our Site on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.
2. Changes to Terms
We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect by updating the "Last Updated" date at the top of this page. What constitutes a material change will be determined at our sole discretion.
Your continued use of the Site following the posting of revised Terms constitutes your acceptance of the changes.
3. Use of the Site
CLVHA.com provides valuable financial resources, including guides, reviews, and tools related to credit cards, loans, taxes, and mortgages. You agree to use the Site only for lawful purposes and in accordance with these Terms.
Prohibited Activities:
- Unauthorized Access: Attempting to gain unauthorized access to any part of the Site or its related systems.
- Intellectual Property Infringement: Using the Site in a way that infringes on our intellectual property rights or those of others.
- Harmful Content: Uploading or distributing any harmful, offensive, or inappropriate content.
- Commercial Use: Using the Site for commercial purposes without our explicit permission.
4. Intellectual Property
All content on CLVHA.com, including text, graphics, logos, images, and software, is the property of CLVHA.com or its content suppliers and is protected by international copyright laws.
Restrictions:
- No Reproduction: You may not reproduce, distribute, modify, create derivative works of, publicly display, or perform any content from the Site without our prior written consent.
- Limited License: We grant you a limited, non-exclusive, non-transferable license to access and use the Site for personal, non-commercial purposes.
5. User Accounts
Some features of the Site may require you to create an account. You are responsible for maintaining the confidentiality of your account information, including your password, and for all activities that occur under your account.
Responsibilities:
- Accurate Information: Provide accurate and complete information when creating an account.
- Security: Notify us immediately of any unauthorized use of your account or any other breach of security.
We reserve the right to terminate accounts that show signs of unauthorized or fraudulent activity.
6. Disclaimer of Warranties
CLVHA.com is provided on an "as is" and "as available" basis. We make no warranties, express or implied, regarding the Site's operation or the information, content, materials, or products included on the Site.
No Guarantees:
- Accuracy: While we strive to provide accurate and up-to-date information, we do not guarantee its completeness or accuracy.
- Fitness for Purpose: The Site and its content are provided without warranties of any kind, including but not limited to merchantability, fitness for a particular purpose, and non-infringement.
7. Limitation of Liability
In no event shall CLVHA.com, its directors, employees, or agents be liable for any indirect, incidental, special, consequential, or punitive damages arising out of your use of the Site, even if advised of the possibility of such damages.
Maximum Liability:
Our total liability to you for any claim arising out of or relating to these Terms or your use of the Site shall not exceed the amount you have paid us, if any, in the past twelve months for accessing the Site.
8. Indemnification
You agree to defend, indemnify, and hold harmless CLVHA.com, its affiliates, and their respective officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees and costs, arising out of or in any way connected with your access to or use of the Site, your violation of these Terms, or your infringement of any intellectual property or other rights of any person or entity.
9. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the [Your Country/State], without regard to its conflict of law provisions.
Jurisdiction:
Any legal actions or proceedings arising out of or relating to these Terms or your use of the Site shall be exclusively brought in the courts located in [Your Jurisdiction], and you consent to the personal jurisdiction of such courts.
10. Third-Party Links and Content
Our Site may contain links to third-party websites or services that are not owned or controlled by CLVHA.com. We are not responsible for the content, privacy policies, or practices of any third-party sites or services.
Use at Your Own Risk:
By accessing third-party links, you acknowledge and agree that CLVHA.com is not responsible for any damages or losses resulting from your use of these external sites.
11. Termination
We may terminate or suspend your access to the Site immediately, without prior notice or liability, for any reason, including without limitation if you breach the Terms.
Effects of Termination:
Upon termination, your right to use the Site will cease immediately, and all provisions of the Terms which by their nature should survive termination shall remain in effect.
12. Severability
If any provision of these Terms is held to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions of these Terms will remain in full effect.
13. Entire Agreement
These Terms constitute the entire agreement between you and CLVHA.com regarding your use of the Site and supersede all prior agreements, understandings, or representations, whether oral or written.
