Terms of Service

Acceptance of Terms

Welcome to Topverous. These Terms of Service ("Terms") govern your use of the Topverous website located at topverous.top and all related services, features, and content provided by Topverous LLC ("Topverous," "we," "our," or "us").

By accessing or using our website and services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use our services. These Terms constitute a legally binding agreement between you and Topverous.

We may modify these Terms at any time, and such modifications will be effective immediately upon posting. Your continued use of our services after any modification constitutes your acceptance of the modified Terms.

Description of Service

Topverous provides financial education content, resources, and tools designed to help beginners learn about personal finance, budgeting, investing, debt management, and related topics. Our services include:

Educational articles, guides, and tutorials on personal finance topics
Financial calculators, templates, and planning tools
Blog content and educational resources
Email newsletters and educational communications
Community forums and discussion platforms

Our services are provided for educational and informational purposes only. Topverous does not provide personalized financial advice, investment recommendations, or professional financial planning services.

User Obligations

By using Topverous services, you agree to the following obligations and restrictions:

Permitted Use

Use our services for personal, non-commercial educational purposes
Provide accurate information when contacting us or subscribing to our services
Respect the intellectual property rights of Topverous and third parties
Comply with all applicable laws and regulations

Prohibited Activities

Use our services for any unlawful or fraudulent purpose
Attempt to gain unauthorized access to our systems or other users' accounts
Distribute malware, viruses, or other harmful code
Engage in any activity that could damage, disable, or impair our services
Use automated systems to scrape or harvest content from our website
Reproduce, distribute, or commercially exploit our content without permission
Impersonate Topverous or any other person or entity
Post or transmit any offensive, defamatory, or inappropriate content

Intellectual Property

All content, features, and functionality on the Topverous website, including but not limited to text, graphics, logos, images, software, and design, are the exclusive property of Topverous or our licensors and are protected by copyright, trademark, and other intellectual property laws.

Your Rights

Subject to these Terms, Topverous grants you a limited, non-exclusive, non-transferable, revocable license to access and use our website and educational content for personal, non-commercial purposes.

Restrictions

You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any content obtained from our services
You may not use our trademarks, service marks, or logos without our prior written consent
Any unauthorized use of our intellectual property may result in termination of your access to our services and legal action

If you believe that any content on our website infringes your intellectual property rights, please contact us at legal@topverous.top with details of the alleged infringement.

Disclaimer of Financial Advice

Important: The information provided by Topverous is for educational and informational purposes only and should not be considered as personalized financial advice, investment recommendations, or professional financial planning guidance.

We do not provide individualized investment advice or recommendations
All financial decisions should be made in consultation with qualified financial professionals
Past performance does not guarantee future results
All investments carry risk, including the potential loss of principal
Tax and legal implications vary by individual circumstances and jurisdiction

You are solely responsible for your financial decisions and should conduct your own research and due diligence before making any financial commitments or investments.

Limitation of Liability

To the fullest extent permitted by applicable law, Topverous and its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

Financial losses resulting from decisions made based on our educational content
Loss of profits, data, or business opportunities
Interruption of business or services
Costs of substitute goods or services
Any damages arising from your use or inability to use our services

Our total liability for any claims arising from or relating to these Terms or your use of our services shall not exceed the amount you paid to us, if any, for accessing our services in the twelve months preceding the claim.

Some jurisdictions do not allow the exclusion or limitation of certain damages, so the above limitations may not apply to you. In such cases, our liability will be limited to the fullest extent permitted by applicable law.

Indemnification

You agree to indemnify, defend, and hold harmless Topverous and its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including reasonable attorney's fees) arising from: (a) your use of our services; (b) your violation of these Terms; (c) your violation of any third-party rights; or (d) any content you submit or transmit through our services.

Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you consent to the collection and use of your information as described in our Privacy Policy.

Please review our Privacy Policy to understand our data practices and your rights regarding your personal information.

Governing Law

These Terms and any disputes arising out of or related to these Terms or your use of our services shall be governed by and construed in accordance with the laws of the Netherlands, without regard to its conflict of law principles.

Any legal action or proceeding arising under these Terms will be brought exclusively in the courts of Rotterdam, Netherlands, and you hereby consent to personal jurisdiction and venue therein.

If you are a consumer residing in the European Union, you may also bring proceedings in the courts of your country of residence, and nothing in these Terms affects your rights as a consumer under applicable EU consumer protection laws.

Termination

Either you or Topverous may terminate your access to our services at any time, with or without cause, and with or without notice. Upon termination:

Your right to use our services will immediately cease
We may delete your account and any content associated with it
All provisions of these Terms that by their nature should survive termination will remain in effect

Topverous reserves the right to suspend or terminate your access to our services if we reasonably believe you have violated these Terms or applicable laws.

Severability and Waiver

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect.

The failure of Topverous to enforce any right or provision of these Terms will not be deemed a waiver of such right or provision.

Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Topverous regarding your use of our services and supersede all prior and contemporaneous agreements, proposals, or representations, whether written or oral, concerning the subject matter hereof.