Terms & Conditions

These Terms & Conditions (“Terms”) apply to your use of financeauthorityhub.com (the “Site”) and everything on it.

“We”, “us”, and “our” mean KCS Global Group, which publishes Finance Authority Hub from Durg, Chhattisgarh, India. “You” means anyone who uses the Site. “Content” means all text, articles, guides, calculators, tables, data, graphics, and other material on the Site.

These Terms, together with our Privacy Policy, Cookies Policy, Financial Disclaimer, and Advertising & Affiliate Disclosure, are the whole agreement between you and us about the Site. You can read more about us on our About page.

Nothing on the Site is personal financial, investment, tax, legal, insurance, or retirement advice. Our Content explains how financial products, markets, and rules work in general. It is not tailored to your circumstances, goals, tax position, or tolerance for risk, and what is accurate for one person may not suit another.

Before you make a significant financial decision, get advice from a suitably qualified, licensed professional. In the United States you can check an adviser or broker’s registration and history on the SEC’s Investment Adviser Public Disclosure site (opens in a new tab) and on FINRA BrokerCheck (opens in a new tab). Our Financial Disclaimer sets out these limits in full.

If a licensed professional reviews an article, they do so in an editorial role only. That review does not turn the article into personal advice, and the reviewer does not advise you or take responsibility for your decisions.

We are a publisher, not a regulated firm. We do not:

• hold, manage, or give access to any account, investment, or financial product;
• give personal advice or personal recommendations;
• carry out or arrange transactions in financial instruments;
• accept deposits or provide credit;
• act as an insurance agent, mortgage broker, lender, or loan originator.

If we link to a product through an affiliate link, that product is provided by a separate firm under its own licenses and terms. We are not responsible for that firm’s regulated activities.

The Site is written for readers in the United States and describes US federal rules, US financial products, and US planning concepts. State rules can differ from the federal framework we usually describe.

You are responsible for deciding whether Content applies to your residency, tax position, and circumstances. If you read the Site from outside the United States, the Content may not be relevant or accurate for your country, and you should rely on local sources and a local professional. We do not promise that Content covers every federal, state, or local rule that may affect you.

You must not:

• copy, republish, or distribute Content in any medium, online or in print, without our written permission;
• scrape, crawl, or systematically extract Content with bots, scripts, or other automated tools without written permission;
• use Content to train, fine-tune, or build an artificial intelligence or machine-learning model without our written permission;
• frame or mirror the Site, or any Content, inside another website;
• use our name, logo, or brand in a way that suggests endorsement, partnership, or affiliation;
• present our Content as endorsing a specific product, investment, or strategy when we have not done so;
• try to gain unauthorized access to the Site, its servers, or any connected system;
• send us malware, or unsolicited commercial messages;
• use the Site for any unlawful purpose, including in a way that breaks financial, data protection, consumer protection, or intellectual property law;
• remove or hide any copyright notice or other proprietary notice on Content you print or download.

We may end your access straight away if you break these rules, and you may be legally responsible for any harm.

Our calculators give illustrative results from the inputs you enter and the assumptions built into them. They are not forecasts, projections, or personal plans. Small changes in inputs can change a result a lot, and real outcomes can differ.

We work to keep the calculators correct, but we do not promise they are free of errors or right for every situation. Please review important results with a qualified professional before you act. If a result looks wrong, tell us at support@financeauthorityhub.com.

We earn money from two sources. If you click an affiliate link and take a qualifying action, such as applying for a product, the provider may pay us a commission. It costs you nothing extra. We also show display ads served by third-party advertising networks.

Neither affects how we assess a product. Pages with affiliate links say so, ads are labeled, and we do not sell reviews, rankings, sponsored articles, or links. Our Advertising & Affiliate Disclosure and Ethics & Transparency page explain this in full, and Advertisers & Partners covers how businesses work with us.

We are responsible for our own editorial Content. We are not responsible for the content of third-party ads, which we do not write or approve. If you see a misleading ad, tell us at support@financeauthorityhub.com. You can also report it to the Federal Trade Commission at ReportFraud.ftc.gov (opens in a new tab).

Please read this section carefully. It limits what you can claim from us. If you are unsure how it affects you, get independent legal advice before relying on our Content for an important decision.

To the fullest extent permitted by law, we are not liable to you or anyone else for any loss or damage, whether direct, indirect, incidental, consequential, special, or exemplary, that arises from or relates to:

• your use of, or inability to use, the Site or its Content;
• your reliance on Content, including any financial decision based on it;
• errors, omissions, or out-of-date information in Content;
• any interruption or unavailability of the Site;
• content on any third-party website we link to;
• any product or service you obtain from a third party through an affiliate link;
• a security breach affecting the Site, unless it is directly caused by our gross negligence or willful misconduct.

In particular, and to the fullest extent permitted by law, we are not liable for any financial loss, including loss of investment value, income, profits, savings, or deposits, tax liabilities or penalties, or the cost of professional advice, that arises from your reliance on our Content. Our Content is educational and does not replace personal professional advice.

Nothing in these Terms excludes or limits our liability for fraud or fraudulent misrepresentation, for death or personal injury caused by our negligence, or for anything else that cannot be excluded or limited by law. To the extent our liability is not excluded above, our total liability to you in connection with the Site, whether in contract, tort, statute, or otherwise, will not exceed US $100.

Some states and countries give consumers rights that cannot be waived by contract. Nothing in these Terms limits any such right you have under the laws where you live.

Changes to the Terms. We may update these Terms from time to time, for example to reflect changes in law or in how we run the Site. When we do, we will change the “last updated” date at the top, and for significant changes we may add a notice on the Site. If you keep using the Site after an update, you accept the updated Terms. The current version is always at financeauthorityhub.com/terms-and-conditions/.

Changes to the Site. We may change, suspend, or discontinue any part of the Site at any time.

Ending access. We may suspend or end your access, without notice, if you break these Terms, misuse the Site, try to gain unauthorized access, or use it for anything fraudulent or illegal. When access ends, your license under these Terms ends immediately. Sections 3, 7, 8, 13, 14, and 16 continue to apply afterward.