TERMS OF SERVICE

Effective Date: April 1, 2026

Last Updated: April 6, 2026

TABLE OF CONTENTS

• 1. ACCEPTANCE OF TERMS
• 2. DESCRIPTION OF SERVICES
• 3. ELIGIBILITY
• 4. USER ACCOUNTS
• 5. ACCEPTABLE USE POLICY
• 6. INTELLECTUAL PROPERTY RIGHTS
• 7. USER CONTENT
• 8. THIRD-PARTY CONTENT AND LINKS
• 9. ADVERTISING AND SPONSORSHIPS
• 10. DISCLAIMER OF WARRANTIES
• 11. LIMITATION OF LIABILITY
• 12. INDEMNIFICATION
• 13. TERMINATION
• 14. GOVERNING LAW
• 15. DISPUTE RESOLUTION
• 16. CHANGES TO TERMS
• 17. GENERAL PROVISIONS
• 18. CONTACT US

1. ACCEPTANCE OF TERMS

Welcome to Global Finance News ("Global Finance News," "we," "our," or "us"). These Terms of Service ("Terms") constitute a legally binding agreement between you and Global Finance News regarding your access to and use of our website at globalfinancenews.com (the "Website"), and any other websites, pages, features, products, services, or content we own or operate (collectively, the "Services").

Please read these Terms carefully before accessing or using our Services. By accessing or using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms or our Privacy Policy, please do not access or use our Services.

THESE TERMS CONTAIN A BINDING ARBITRATION CLAUSE AND CLASS ACTION WAIVER IN SECTION 15. PLEASE READ THESE PROVISIONS CAREFULLY, AS THEY AFFECT YOUR LEGAL RIGHTS.

2. DESCRIPTION OF SERVICES

Global Finance News provides financial news, analysis, commentary, educational content, and related services. Our Services include, but are not limited to:

• Financial news articles, reports, and market updates
• Economic analysis and commentary
• Investment strategy information and educational content
• Personal finance guidance and resources
• Email newsletters and other communications
• User community features (where available)
• Advertising and sponsorship opportunities

We reserve the right to modify, suspend, or discontinue any part of our Services at any time, with or without notice, in our sole discretion.

3. ELIGIBILITY

Our Services are intended for users who are at least 16 years of age. By accessing or using our Services, you represent and warrant that:

• You are at least 16 years old; or
• You are 13 years or older and have your parent or legal guardian's consent to use our Services

Our Services are not intended for children under the age of 13, and we do not knowingly collect personal information from children under the age of 13. If you believe we have collected personal information from a child under the age of 13, please contact us immediately.

4. USER ACCOUNTS

Certain features of our Services may require you to create an account. When creating an account, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Maintain the security of your account credentials
• Accept responsibility for all activities that occur under your account
• Notify us immediately of any unauthorized use of your account

We reserve the right to disable any account at any time, in our sole discretion, for any or no reason, including if we believe you have violated these Terms.

You are responsible for safeguarding your account credentials. We will not be liable for any loss or damage arising from your failure to comply with these requirements.

5. ACCEPTABLE USE POLICY

You agree to use our Services only for lawful purposes and in accordance with these Terms. You agree not to engage in any of the following prohibited activities:

• Violating any applicable law, regulation, or these Terms
• Infringing, misappropriating, or violating the intellectual property or other rights of others
• Using our Services to transmit, distribute, or store malware, viruses, or other harmful code
• Interfering with, disrupting, or impairing our Services or servers
• Attempting to gain unauthorized access to our Services, systems, or networks
• Scraping, crawling, or using automated means to access our Services without our prior written consent
• Reproducing, duplicating, copying, selling, reselling, or exploiting any portion of our Services for commercial purposes without our prior written consent
• Engaging in any activity that could harm, disable, overburden, or impair our Services
• Impersonating any person or entity, or falsely stating or misrepresenting your affiliation with a person or entity
• Collecting or harvesting personal information of other users without their consent
• Engaging in any form of harassment, hate speech, or discriminatory conduct
• Using our Services to send spam, unsolicited communications, or fraudulent content
• Reverse engineering, decompiling, disassembling, or attempting to derive the source code of our Services

We reserve the right to investigate and take appropriate legal action against anyone who violates this Acceptable Use Policy, including terminating their access to our Services.

6. INTELLECTUAL PROPERTY RIGHTS

All content on our Services, including but not limited to text, graphics, logos, images, audio clips, video clips, data, data compilations, software, code, and the selection, coordination, arrangement, and design thereof (collectively, the "Content"), is the exclusive property of Global Finance News or our licensors and is protected by copyright, trademark, patent, trade secret, and other intellectual property laws.

The Global Finance News name, logo, and any other product or service names, logos, or slogans used on our Services are trademarks of Global Finance News. Other trademarks, service marks, and trade names that may appear on our Services are the property of their respective owners.

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use our Services and the Content solely for your personal, non-commercial use. No right, title, or interest in or to our Services or the Content is transferred to you, and all rights not expressly granted are reserved by Global Finance News.

Except as expressly permitted in these Terms, you may not reproduce, distribute, modify, create derivative works from, publicly display, publicly perform, republish, download, store, or transmit any of the Content without our prior written consent.

7. USER CONTENT

Our Services may allow you to submit, post, or share content, including comments, feedback, articles, messages, and other materials ("User Content").

By submitting User Content to our Services, you grant Global Finance News a worldwide, non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, publicly display, publicly perform, and otherwise exploit such User Content in any media formats and through any media channels now known or hereafter developed.

You represent and warrant that:

• You own or have the necessary rights, licenses, permissions, and consents to grant the license above
• Your User Content does not violate these Terms or any applicable law
• Your User Content does not infringe, misappropriate, or violate the intellectual property or other rights of any third party
• Your User Content does not contain any viruses, malware, or other harmful code
• Your User Content is not false, misleading, defamatory, obscene, or otherwise objectionable

We reserve the right, but do not have the obligation, to monitor, review, edit, remove, or modify any User Content, in our sole discretion, at any time and for any reason, without notice. We are not responsible for any User Content submitted by users.

Any feedback, suggestions, or ideas you provide regarding our Services will be treated as non-confidential and non-proprietary. We may use such feedback, suggestions, or ideas for any purpose without compensation to you.

8. THIRD-PARTY CONTENT AND LINKS

Our Services may contain links to third-party websites, services, or resources that are not owned or controlled by Global Finance News. These links are provided solely for your convenience and do not constitute an endorsement, recommendation, or approval by Global Finance News of the third parties or their content, products, or services.

We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that Global Finance News 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 use of or reliance on any such content, goods, or services available on or through any such websites or services.

We encourage you to read the terms of service and privacy policies of any third-party websites or services that you visit.

9. ADVERTISING AND SPONSORSHIPS

Our Services may contain advertisements, sponsored content, or other promotional materials. The presence of advertisements or sponsored content does not constitute an endorsement, recommendation, or approval by Global Finance News of the advertisers or their products, services, or practices.

We are not responsible for the accuracy, completeness, or legality of any advertisements or sponsored content, or for the products, services, or practices of our advertisers or sponsors. Any dealings you have with advertisers or sponsors found on or through our Services are solely between you and such advertiser or sponsor.

You agree that Global Finance News shall not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of such advertisers or sponsors on our Services.

10. DISCLAIMER OF WARRANTIES

IMPORTANT FINANCIAL DISCLAIMER: THE CONTENT PROVIDED THROUGH OUR SERVICES IS FOR GENERAL INFORMATIONAL PURPOSES ONLY AND IS NOT INTENDED TO BE, AND DOES NOT CONSTITUTE, FINANCIAL ADVICE, INVESTMENT ADVICE, TRADING ADVICE, TAX ADVICE, LEGAL ADVICE, OR ANY OTHER TYPE OF ADVICE.

You should not make any financial, investment, trading, tax, legal, or other decisions based solely on the content provided through our Services. Always conduct your own research and consult with qualified financial, legal, tax, and other professionals before making any financial decisions.

Investing involves risk, including the potential loss of principal. Past performance is not indicative of future results. Any investment decisions you make are solely your responsibility.

OUR SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

WE DO NOT WARRANT THAT OUR SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT OUR SERVICES OR THE SERVERS THAT MAKE THEM AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

11. LIMITATION OF LIABILITY

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL GLOBAL FINANCE NEWS, OUR AFFILIATES, OR OUR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, PARTNERS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING, BUT NOT LIMITED TO, LOSS OF PROFITS, REVENUE, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

• YOUR ACCESS TO, USE OF, OR INABILITY TO ACCESS OR USE OUR SERVICES
• ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON OUR SERVICES
• ANY CONTENT OBTAINED FROM OUR SERVICES
• UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT
• ANY OTHER MATTER RELATING TO OUR SERVICES

IN NO EVENT SHALL OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION EXCEED THE AMOUNT YOU HAVE PAID TO GLOBAL FINANCE NEWS IN THE TWELVE MONTHS PRIOR TO THE EVENT GIVING RISE TO SUCH LIABILITY, OR ONE HUNDRED DOLLARS ($100), WHICHEVER IS GREATER.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN TYPES OF LIABILITY, SO THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

12. INDEMNIFICATION

You agree to defend, indemnify, and hold harmless Global Finance News, our affiliates, and our respective officers, directors, employees, agents, partners, and licensors from and against any and all claims, actions, proceedings, damages, obligations, losses, liabilities, costs, debt, and expenses (including reasonable attorneys' fees) arising from or related to:

• Your access to, use of, or misuse of our Services
• Your violation of these Terms
• Your violation of any rights of another person or entity
• Your User Content
• Your negligence or willful misconduct

We reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate with our defense of these claims. You will not settle any such matter without our prior written consent.

13. TERMINATION

We may terminate or suspend your access to all or part of our Services immediately, without prior notice or liability, for any reason whatsoever, including, without limitation, if we believe you have breached or violated these Terms.

All provisions of these Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnification, limitation of liability, and dispute resolution provisions.

Upon termination, your right to use our Services will immediately cease. If you have an account, you may terminate your account at any time by contacting us.

14. GOVERNING LAW

These Terms shall be governed and construed in accordance with the laws of the State of New York, United States, without regard to its conflict of law principles.

For users located outside of the United States, if local law requires, the governing law of your country of residence shall apply, and any disputes shall be resolved in the courts of your country of residence.

15. DISPUTE RESOLUTION

Please read this section carefully, as it affects your legal rights.

15.1 Informal Resolution

Before initiating any formal dispute resolution, you agree to first attempt to resolve the dispute informally by contacting us at legal@globalfinancenews.com. We will attempt to resolve the dispute informally within 30 days of receiving your notice.

15.2 Binding Arbitration

If we are unable to resolve the dispute informally within 30 days, either you or we may initiate binding arbitration pursuant to this section.

ANY DISPUTE, CLAIM, OR CONTROVERSY ARISING OUT OF OR RELATING TO THESE TERMS OR OUR SERVICES SHALL BE RESOLVED EXCLUSIVELY BY BINDING ARBITRATION ADMINISTERED BY THE AMERICAN ARBITRATION ASSOCIATION ("AAA") UNDER ITS COMMERCIAL ARBITRATION RULES AND THE SUPPLEMENTARY PROCEDURES FOR CONSUMER-RELATED DISPUTES.

The arbitration shall be conducted in English, in New York, New York, or another mutually agreeable location. The arbitrator's award shall be final and binding and may be entered in any court of competent jurisdiction.

15.3 Class Action Waiver

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU AND GLOBAL FINANCE NEWS AGREE THAT ANY DISPUTE, CLAIM, OR CONTROVERSY SHALL BE RESOLVED SOLELY ON AN INDIVIDUAL BASIS, WITHOUT ANY RIGHT TO PARTICIPATE IN A CLASS ACTION, CONSOLIDATED ACTION, OR REPRESENTATIVE ACTION OF ANY KIND.

If any provision of this Class Action Waiver is found to be unenforceable, then the entire arbitration provision shall be unenforceable, and the dispute shall be resolved in court as provided in Section 15.4 below.

15.4 Small Claims Court

Notwithstanding the above, either you or we may bring an individual action in small claims court if the claim qualifies and is within the small claims court's jurisdiction limits.

16. CHANGES TO TERMS

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If we make material changes, we will provide you with notice by posting the new Terms on this page and updating the "Effective Date" at the top of this page. In some cases, we may also provide you with additional notice (such as adding a statement to our homepage or sending you an email notification).

What constitutes a material change will be determined at our sole discretion.

We encourage you to review these Terms periodically to stay informed about our terms and conditions. Your continued access to or use of our Services after the revised Terms become effective constitutes your acceptance of the changes. If you do not agree to the revised Terms, please stop using our Services.

17. GENERAL PROVISIONS

17.1 Severability

If any provision of these Terms is held to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect and enforceable.

17.2 Entire Agreement

These Terms, together with our Privacy Policy and any other documents expressly incorporated herein, constitute the entire agreement between you and Global Finance News regarding our Services, and supersede and replace any prior agreements we might have between us regarding our Services.

17.3 Assignment

You may not assign or transfer these Terms, by operation of law or otherwise, without our prior written consent. We may assign or transfer these Terms, at our sole discretion, without restriction.

17.4 Waiver

No waiver of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of Global Finance News to assert a right or provision hereunder shall not constitute a waiver of such right or provision.

17.5 No Agency

Nothing in these Terms shall be construed as creating an agency, partnership, joint venture, employer-employee, or franchisor-franchisee relationship between you and Global Finance News.

17.6 Notice

All notices, requests, consents, claims, demands, waivers, and other communications under these Terms shall be in writing and deemed to have been given when delivered personally, sent by email, or sent by certified or registered mail, return receipt requested, to the addresses set forth in Section 18 below.

17.7 Force Majeure

We shall not be liable for any failure or delay in performing our obligations under these Terms if such failure or delay is caused by circumstances beyond our reasonable control, including, but not limited to, acts of God, war, terrorism, labor disputes, governmental actions, internet failures, or power outages.

18. CONTACT US

If you have any questions about these Terms of Service, please contact us at:

Global Finance News, Inc.
Attn: Legal Department
123 Financial Plaza
New York, NY 10005
United States

Email: legal@globalfinancenews.com