Terms of Use

Welcome to Global Financial Media ("GFM", "we", "us", or "our"). These Terms of Use ("Terms") constitute a legally binding agreement between you and GFM governing your access to and use of our website, mobile applications, content, services, and features (collectively, the "Services").

By accessing, browsing, or using any part of our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not access or use our Services.

Eligibility:

You must be at least 18 years of age (or the age of majority in your jurisdiction) to use our Services. By using our Services, you represent and warrant that you meet this age requirement and have the legal capacity to enter into this agreement.

Updates to Terms:

We reserve the right to modify, update, or replace these Terms at any time at our sole discretion. Material changes will be communicated through prominent notices on our website, email notifications (where applicable), or other reasonable means. Your continued use of the Services after such changes constitutes acceptance of the revised Terms. If you do not agree to the changes, you must discontinue use of the Services immediately.

Account Registration:

To access certain features of our Services, you may be required to create an account. During registration, you must provide accurate, current, and complete information. You are responsible for maintaining and promptly updating your account information to ensure it remains accurate.

Account Security:

You are solely responsible for maintaining the confidentiality of your account credentials (username, password, and any other authentication information). You agree to:

• Use a strong, unique password and keep it confidential

• Not share your account credentials with any third party

• Immediately notify us of any unauthorized access or suspected security breach

• Accept responsibility for all activities that occur under your account

Account Termination:

We reserve the right to suspend, restrict, or terminate your account at any time, with or without notice, for any reason, including but not limited to:

• Violation of these Terms or our Privacy Policy

• Fraudulent, abusive, or illegal activity

• Prolonged inactivity

• Requests from law enforcement or government authorities

• Protection of our rights, property, or safety, or that of our users or third parties

You may terminate your account at any time by contacting us at info@gfm.news. Upon termination, your right to use the Services will immediately cease, but provisions of these Terms that by their nature should survive will remain in effect.

User-Generated Content:

Our Services may allow you to submit, post, upload, publish, or transmit content, including but not limited to comments, feedback, articles, images, videos, and other materials ("User Content").

License Grant:

By submitting User Content to GFM, you grant us a worldwide, non-exclusive, royalty-free, perpetual, irrevocable, sublicensable, and transferable license to:

• Use, reproduce, distribute, modify, adapt, prepare derivative works of, display, perform, and otherwise exploit your User Content in connection with the Services and our business

• Use your name, likeness, and other identifying information in connection with your User Content

• Promote and redistribute part or all of the Services (and derivative works thereof) in any media formats and through any media channels

This license continues even if you stop using the Services, except where your User Content is deleted or you request removal in accordance with applicable law.

Your Representations:

You represent and warrant that:

• You own or have the necessary rights, licenses, consents, and permissions to grant the license described above

• Your User Content does not and will not infringe, misappropriate, or violate any third party's intellectual property rights, privacy rights, publicity rights, or other legal rights

• Your User Content is not defamatory, libelous, obscene, pornographic, abusive, or offensive

• Your User Content does not contain viruses, malware, or other harmful code

Content Moderation:

We reserve the right, but are not obligated, to review, monitor, edit, remove, or refuse to publish any User Content at our sole discretion, without prior notice, for any reason, including violation of these Terms. We do not assume any responsibility or liability for User Content or for any loss or damage resulting from User Content.

You agree not to engage in any of the following prohibited activities:

Illegal Activities:

• Violate any applicable local, state, national, or international law or regulation

• Engage in any fraudulent, deceptive, or illegal activity

• Transmit or facilitate the transmission of any illegal content

Security Violations:

• Attempt to gain unauthorized access to the Services, other accounts, computer systems, or networks

• Interfere with, disrupt, or damage the Services, servers, or networks

• Use automated systems (bots, scrapers, crawlers) to access the Services without our express written permission

• Introduce viruses, malware, or other harmful code

Content Violations:

• Post defamatory, libelous, harassing, threatening, abusive, or discriminatory content

• Publish false, misleading, or deceptive information

• Infringe upon intellectual property rights, privacy rights, or other legal rights of others

• Post spam, unsolicited commercial communications, or chain letters

• Impersonate any person or entity, or falsely state or misrepresent your affiliation with any person or entity

Commercial Use:

• Use the Services for any commercial purpose without our express written consent

• Resell, redistribute, or sublicense access to the Services

• Use the Services to compete with GFM or to develop competing products or services

Enforcement:

Violation of these prohibitions may result in immediate termination of your account, legal action, and reporting to law enforcement authorities, where appropriate.

Ownership:

All content, features, and functionality of the Services, including but not limited to text, graphics, logos, icons, images, audio clips, video clips, digital downloads, data compilations, software, and the selection and arrangement thereof (collectively, "GFM Content"), are owned by GFM, its licensors, or other providers and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.

Trademarks:

The GFM name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of GFM or its affiliates or licensors. You must not use such marks without our prior written permission.

Limited License:

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Services and GFM Content for your personal, non-commercial use only.

Restrictions:

You may not:

• Copy, reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any GFM Content

• Use any illustrations, photographs, video or audio sequences, or graphics separately from accompanying text

• Delete or alter any copyright, trademark, or other proprietary rights notices from GFM Content

• Access or use the Services or GFM Content for any commercial purpose

Fair Use:

You may quote brief excerpts from GFM Content for purposes such as criticism, comment, news reporting, teaching, scholarship, or research, in accordance with applicable fair use or fair dealing provisions, provided you attribute the source to GFM and include a link to the original content.

Third-Party Links:

Our Services may contain links to third-party websites, services, applications, or resources ("Third-Party Services") that are not owned or controlled by GFM. These links are provided for your convenience and information only.

No Endorsement:

The inclusion of any link does not imply endorsement, approval, or control by GFM. We are not responsible for the content, privacy policies, terms of use, or practices of any Third-Party Services.

Your Responsibility:

You acknowledge and agree that:

• GFM shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any Third-Party Services

• Your interactions with Third-Party Services are solely between you and the third party

• You should review the terms and privacy policies of any Third-Party Services before using them

• You access and use Third-Party Services at your own risk

Social Media Integration:

If you choose to connect your social media accounts or share content through third-party platforms, you are subject to the terms and policies of those platforms. We are not responsible for the actions of third-party platforms.

Not Financial Advice:

The information, content, and materials provided through our Services are for informational, educational, and journalistic purposes only. They do not constitute financial, investment, legal, tax, or professional advice of any kind. You should not rely on any information on our Services as a substitute for professional advice tailored to your specific circumstances.

Editorial Independence:

While we strive for accuracy, fairness, and objectivity in our reporting, our content reflects editorial judgment and may include opinions, analysis, and commentary. Different perspectives may exist, and you should consult multiple sources before making any decisions.

No Warranties:

THE SERVICES AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR COURSE OF PERFORMANCE.

We do not warrant that:

• The Services will be uninterrupted, secure, or error-free

• Defects will be corrected

• The Services or servers are free of viruses or other harmful components

• The results obtained from using the Services will meet your requirements

Market Information:

Financial market data, stock prices, and other market information are provided for informational purposes only. Such information may be delayed, inaccurate, or incomplete. Past performance does not guarantee future results. Trading and investment decisions carry risk, and you should consult qualified financial advisors.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL GFM, ITS AFFILIATES, LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

• Loss of profits, revenue, data, use, goodwill, or other intangible losses

• Damages resulting from your use or inability to use the Services

• Damages resulting from unauthorized access to or alteration of your transmissions or data

• Damages resulting from the conduct or content of third parties

• Any other damages arising out of or in connection with the Services

THIS LIMITATION APPLIES REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE) AND EVEN IF GFM HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Maximum Liability:

In jurisdictions that do not allow the exclusion or limitation of liability for consequential or incidental damages, our liability is limited to the maximum extent permitted by law. In no event shall our total liability exceed the amount you paid to us, if any, in the 12 months preceding the claim, or $100, whichever is greater.

Exclusions:

Some jurisdictions do not allow the exclusion of certain warranties or limitations of liability. If any part of this limitation of liability is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

You agree to defend, indemnify, and hold harmless GFM, its affiliates, licensors, service providers, and their respective officers, directors, employees, agents, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to:

• Your use or misuse of the Services

• Your violation of these Terms or any applicable law or regulation

• Your violation of any rights of any third party, including intellectual property rights, privacy rights, or publicity rights

• Your User Content

• Any activity related to your account (whether authorized by you or not)

This indemnification obligation will survive termination of these Terms and your use of the Services. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter subject to indemnification by you, in which case you agree to cooperate with us in asserting any available defenses.

Governing Law:

These Terms and any dispute or claim arising out of or in connection with them shall be governed by and construed in accordance with the laws of the State of California, United States, without regard to its conflict of law provisions.

Jurisdiction:

You agree that any legal action or proceeding arising out of or relating to these Terms or the Services shall be brought exclusively in the federal or state courts located in California, United States, and you consent to the personal jurisdiction of such courts.

Dispute Resolution:

Before filing a claim, you agree to first contact us at info@gfm.news to attempt to resolve the dispute informally. If we cannot resolve the dispute within 60 days, you agree to resolve disputes through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by law.

Class Action Waiver:

You agree that any disputes will be resolved on an individual basis and waive any right to participate in a class action, collective action, or representative proceeding.

Exceptions:

Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to protect intellectual property rights or to prevent irreparable harm.

We reserve the right to modify, update, or replace these Terms at any time at our sole discretion. Changes may be made for various reasons, including legal, regulatory, operational, or business considerations.

Notification:

Material changes to these Terms will be communicated through:

• Prominent notices on our website

• Email notifications to registered users (where applicable)

• Other reasonable means as determined by us

The "Last updated" date at the top of these Terms will be revised to reflect the most recent changes.

Your Continued Use:

Your continued use of the Services after changes become effective constitutes acceptance of the revised Terms. If you do not agree to the changes, you must discontinue use of the Services immediately and may terminate your account.

Review:

We encourage you to review these Terms periodically to stay informed of any updates. The most current version will always be available on our website.

If you have questions, concerns, or requests regarding these Terms of Use, please contact us:

Email:

Legal inquiries: info@gfm.news

General support: info@gfm.news

Postal Address:

Global Financial Media

California / Hong Kong

Response Time:

We aim to respond to all inquiries within a reasonable timeframe, typically within 5-7 business days.