Terms and Conditions

Terms and Conditions for afreeadvice.com

Last Updated: August 20, 2025

1. Agreement to Terms

Welcome to afreeadvice.com (the “Site”). These Terms and Conditions constitute a legally binding agreement made between you, whether personally or on behalf of an entity (“you”) and afreeadvice.com (“we,” “us,” or “our”), concerning your access to and use of the Site.

By accessing the Site, you acknowledge that you have read, understood, and agree to be bound by all of these Terms and Conditions. If you do not agree with all of these terms, you are expressly prohibited from using the Site and must discontinue use immediately.

2. IMPORTANT: No Professional Advice Disclaimer

The content provided on afreeadvice.com is for informational and educational purposes only. The information on this Site is not intended to be a substitute for professional advice.

• No Financial Advice: The information on this Site does not constitute financial advice, and you should not treat any of the Site’s content as such. Always seek the advice of a qualified financial professional for any questions you may have regarding your financial situation.
• No Legal Advice: The information on this Site does not constitute legal advice. Do not act or refrain from acting based on information on this site. Always seek the advice of a qualified legal professional.
• No Medical Advice: The information on this Site does not constitute medical advice. Always seek the advice of your physician or other qualified health provider with any questions you may have regarding a medical condition.

Reliance on any information provided by this Site is solely at your own risk. We are not professionals, and the content on this site is based on personal experience, research, and opinion.

3. Intellectual Property Rights

Unless otherwise indicated, the Site is our proprietary property. All source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics on the Site (collectively, the “Content”) and the trademarks, service marks, and logos contained therein (the “Marks”) are owned or controlled by us or licensed to us, and are protected by copyright and trademark laws.

The Content and the Marks are provided on the Site “AS IS” for your information and personal use only. You may not copy, reproduce, aggregate, republish, upload, post, publicly display, encode, translate, transmit, distribute, sell, license, or otherwise exploit any part of the Site, Content, or Marks for any commercial purpose whatsoever, without our express prior written permission.

4. User Representations and Acceptable Use

By using the Site, you represent and warrant that:
(1) all registration information you submit will be true, accurate, current, and complete;
(2) you will maintain the accuracy of such information;
(3) you have the legal capacity to agree to these Terms and Conditions;
(4) you will not use the Site for any illegal or unauthorized purpose; and
(5) your use of the Site will not violate any applicable law or regulation.

You may not access or use the Site for any purpose other than that for which we make the Site available. Prohibited activity includes, but is not limited to:

• Systematically retrieving data from the Site to create a collection or database without our written permission.
• Harassing, annoying, intimidating, or threatening any of our employees or agents.
• Uploading or transmitting viruses, Trojan horses, or other material that interferes with any party’s uninterrupted use of the Site.
• Attempting to impersonate another user or person.
• Using the site to advertise or offer to sell goods and services.

5. User-Generated Content (Comments)

The Site may allow you to leave comments or submit other content (“User Content”). You are solely responsible for the User Content you post. You agree not to post any User Content that is illegal, obscene, threatening, defamatory, invasive of privacy, or otherwise injurious to third parties.

By posting User Content, you grant us a non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content throughout the world in any media.

We reserve the right, but not the obligation, to monitor and edit or remove any User Content at our sole discretion.

6. Third-Party Websites and Content

The Site may contain links to other websites (“Third-Party Websites”) as well as articles, photographs, text, graphics, or other content belonging to or originating from third parties (“Third-Party Content”). We are not responsible for the accuracy, appropriateness, or completeness of any Third-Party Websites or Third-Party Content, and your use of them is at your own risk.

7. Site Management and Termination

We reserve the right, at our sole discretion, to:
(1) monitor the Site for violations of these Terms and Conditions;
(2) take appropriate legal action against anyone who violates the law or these Terms and Conditions;
(3) refuse, restrict access to, or disable any of your contributions;
(4) terminate or suspend your access to the Site for any reason, without notice.

8. Disclaimer of Warranties

THE SITE IS PROVIDED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. YOU AGREE THAT YOUR USE OF THE SITE AND OUR SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SITE AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE SITE’S CONTENT AND WE WILL ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY ERRORS, MISTAKES, OR INACCURACIES OF CONTENT.

9. Limitation of Liability

IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

10. Governing Law

These Terms and Conditions and your use of the Site are governed by and construed in accordance with the laws of Romania, without regard to its conflict of law principles.

11. Changes to Terms and Conditions

We may update these Terms and Conditions from time to time. The updated version will be indicated by a “Last Updated” date. You are responsible for reviewing these Terms and Conditions to stay informed of updates. Your continued use of the Site after any changes are posted will be considered acceptance of those changes.

12. Contact Us

To resolve a complaint regarding the Site or to receive further information regarding the use of the Site, please contact us via our contact page.