Terms of Service

1. Acceptance of Terms

By accessing or using the Portfolyn website at portfolyn.com ("the Website" or "the Platform"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please discontinue use of the Website immediately.

2. Description of the Service

Portfolyn is a free educational website providing general information about investment concepts, portfolio construction, dividend investing, and personal finance literacy. All content is provided for informational and educational purposes only.

Portfolyn does not:

• Offer personalized investment, financial, legal, or tax advice
• Manage investments or provide brokerage services
• Recommend specific stocks, funds, or financial products
• Accept payment for any services
• Act as a registered investment adviser or broker-dealer

3. No Financial Advice Disclaimer

The content on Portfolyn is provided for general educational purposes only. Nothing on this website should be construed as an offer, solicitation, or recommendation to buy or sell any financial instrument, security, or investment product.

Past performance of any financial market or instrument does not guarantee future results. All investment activities involve risk, including the possible loss of the principal amount invested.

You should always conduct your own independent research and consult with a qualified, licensed financial advisor before making any investment decision. Portfolyn is not responsible for any financial decisions made based on information obtained from this Website.

4. Intellectual Property

All content on the Portfolyn Website, including text, graphics, logos, icons, and educational materials, is the property of Portfolyn and is protected by applicable intellectual property laws.

You may access and use the content for personal, non-commercial educational purposes only. You may not:

• Reproduce, distribute, or republish content without prior written permission
• Use content for commercial purposes
• Modify, adapt, or create derivative works
• Remove any copyright or proprietary notices

5. User Responsibilities

By using this Website, you agree to:

• Use the Website only for lawful purposes
• Not attempt to gain unauthorized access to any part of the Website
• Not transmit harmful, offensive, or illegal content via our contact form
• Not use automated tools to scrape or harvest content without permission
• Take personal responsibility for all decisions you make based on information from this Website

6. Accuracy of Information

We strive to ensure that all content on the Website is accurate and up to date. However, financial markets and regulations change frequently, and we cannot guarantee that all information on the Website reflects the most current state of affairs.

We make no warranties, express or implied, about the accuracy, completeness, reliability, or suitability of the information on this Website. Use of the information is at your own risk.

7. Third-Party Links

The Website may contain links to third-party websites for reference purposes. These links do not constitute endorsement of the linked websites or their content. Portfolyn has no control over the content of third-party websites and accepts no responsibility for their accuracy, legality, or appropriateness.

8. Limitation of Liability

To the fullest extent permitted by applicable law, Portfolyn, its team members, contributors, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from:

• Your use of or inability to use the Website
• Any investment or financial decision made based on content from the Website
• Errors, omissions, or inaccuracies in the Website content
• Unauthorized access to or alteration of your data

9. Indemnification

You agree to indemnify and hold harmless Portfolyn and its team members from and against any claims, damages, losses, costs, and expenses (including legal fees) arising from your use of the Website or your violation of these Terms.

10. Modifications to the Service

Portfolyn reserves the right to modify, suspend, or discontinue any part of the Website at any time without prior notice. We will not be liable to you or any third party for any such modification, suspension, or discontinuation.

11. Modifications to These Terms

We may update these Terms of Service at any time. Updated terms will be posted on this page with a revised "Last updated" date. Your continued use of the Website after any changes constitutes acceptance of the updated Terms.

12. Governing Law

These Terms shall be governed by and construed in accordance with applicable laws. Any disputes arising out of or related to these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the relevant courts.

13. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

14. Contact

For questions about these Terms of Service, please contact us at:

Portfolyn
Email: info@portfolyn.com
Website: portfolyn.com