Terms

NOTICE

BY ACCESSING OR USING THE SERVICES YOU AGREE TO THESE TERMS. READ CAREFULLY—THEY INCLUDE ARBITRATION, A CLASS ACTION WAIVER, DISCLAIMERS, AND LIMITATIONS OF LIABILITY. IF YOU DO NOT AGREE, DO NOT USE THE SERVICES.

1. INTRODUCTION AND ACCEPTANCE

These Terms of Service (“Terms”) are a legally binding agreement between Agent Aperture Media (“Company,” “we,” “us,” or “our”) and every visitor to personalfin.store and any related sites (the “Services”). By using or accessing the Services, you accept these Terms and our Privacy Policy.

“You” and “your” mean each individual visitor. By using the Services, you confirm legal capacity to agree and compliance with all applicable laws.

Arbitration & Waiver Notices: most disputes must go to binding arbitration on an individual basis. Our liability is limited. These Terms are governed by Laws of Switzerland, and non-arbitrable disputes are heard in Courts of Switzerland.

2. DEFINITIONS AND KEY TERMS

Term: Definition

Ad Partners: Third-party advertising / measurement providers (e.g., Criteo, DoubleVerify, Google Ads / AdSense / AdX) that may set or read cookies or similar technologies.

Content: All material on the Services—text, images, video, audio, graphics, code, and data.

Cookie Technologies: Cookies and similar tracking tools used by third parties; the Company does not set first-party cookies.

Publisher Content: Editorial content owned or controlled by the Company.

Services: The free editorial websites and related features of personalfin.store.

Force Majeure: Events beyond reasonable control (e.g., natural disasters, war, strikes).

3. ELIGIBILITY

You must be 16 or older. We do not knowingly collect Personal Information from children under 13. If you believe a child has provided information, contact privacy@personalfin.store.

4. DESCRIPTION OF SERVICES

We publish editorial articles written by our professional team. The Service is free and does not require registration, logins, or subscriptions. There are no paywalls or user-generated content features.

Availability is not guaranteed; we may modify or suspend any part at any time.

5. ACCEPTABLE USE POLICY

Use the Services only for lawful, personal, non-commercial purposes. Do not:

Infringe any intellectual property rights;

Scrape, copy, or republish content without permission;

Bypass security or technical controls;

Introduce malware or overload infrastructure;

Harass, defame, or impersonate others;

Violate any laws or regulations.

We may restrict or block access for violations.

6. INTELLECTUAL PROPERTY

All Publisher Content and site elements are owned by the Company and protected by copyright, trademark, and other laws. You receive a limited, non-exclusive, non-transferable, revocable license to view the Services for personal use. No commercial use without written consent.

7. COPYRIGHT / DMCA

Send notices of claimed infringement to:

Notices must comply with 17 U.S.C. §512(c)(3). We may remove content and terminate repeat infringers.

8. FEES AND SUBSCRIPTIONS

We do not charge fees, offer paid subscriptions, or operate paywalls.

9. THIRD-PARTY SERVICES AND COOKIES

No first-party cookies: We set none.

Ad Partner cookies: Ad Partners (e.g., Criteo, DoubleVerify, Google Ads/AdSense/AdX) may use cookies or similar tech for advertising, fraud prevention, and measurement. Their policies apply.

We do not provide a cookie preferences page; manage settings via your browser or device.

External links and embeds are for convenience only and do not constitute endorsement. Use at your own risk.

10. DISCLAIMER — SERVICES PROVIDED “AS IS”

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT GUARANTEE UNINTERRUPTED OR ERROR-FREE OPERATION OR CONTENT ACCURACY.

11. LIMITATION OF LIABILITY

WE SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES OR FOR LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL. OUR TOTAL LIABILITY TO ANY USER WILL NOT EXCEED USD $100. Nothing here limits liability for fraud or personal injury caused by negligence.

12. INDEMNIFICATION

You agree to indemnify and hold harmless the Company and its affiliates from any claims arising out of your use of the Services or violation of these Terms.

13. TERMINATION

You may stop using the Services at any time. We may suspend or restrict access for any reason without notice. Sections on IP, Disclaimers, Liability, Indemnification, and Dispute Resolution survive termination.

14. DISPUTE RESOLUTION — ARBITRATION AND CLASS ACTION WAIVER

14.1 Informal Resolution

Before filing any claim, email legal@personalfin.store and attempt informal resolution for 30 days.

14.2 Binding Arbitration

Except for small-claims or injunctive relief, all disputes arising from these Terms shall be finally resolved by binding arbitration under the Singapore International Arbitration Centre (SIAC) Rules, with the following specific terms:

Seat & Language: Singapore; English

Tribunal size: One arbitrator (default; three only for high-stakes matters).

Appointment: If parties cannot agree within 14 days, the institution appoints the arbitrator.

Confidentiality: Proceedings and award are confidential to the fullest extent permitted.

Emergency relief: Emergency arbitrator procedures under the Rules apply.

Discovery: No U.S.-style discovery; disclosure only as the tribunal orders.

Costs: Costs (including reasonable attorneys’ fees) follow the event unless the tribunal decides otherwise.

Opt-out: You may opt out by emailing legal@personalfin.store within 30 days after first accepting these Terms.

14.3 Class Action Waiver

YOU AND THE COMPANY AGREE TO BRING CLAIMS ONLY INDIVIDUALLY, NOT AS A CLASS OR REPRESENTATIVE ACTION.

14.4 Judicial Forum (if Arbitration Unavailable)

Exclusive jurisdiction and venue for non-arbitrable claims lie in Rue du Lac 12, Geneva, 1207, Switzerland. YOU WAIVE JURY TRIAL.

14.5 Limitation Period

Claims must be brought within one (1) year of accrual.

15. GOVERNING LAW AND JURISDICTION

These Terms are governed by the laws of Laws of Switzerland, excluding conflict rules and the U.N. CISG. Subject to arbitration, courts in Rue du Lac 12, Geneva, 1207, Switzerland have exclusive jurisdiction. The Services are operated from Switzerland; you are responsible for local law compliance.

16. CHANGES TO TERMS

We may update these Terms at any time. Changes take effect on posting. Material changes may be announced via banner notice. Continued use after posting means acceptance.

17. GENERAL PROVISIONS

These Terms are the entire agreement.

If a provision is invalid, the remainder remains effective.

Waivers must be in writing.

We may assign rights; you may not.

We are not liable for Force Majeure events.

No joint venture or agency relationship exists.

No third-party beneficiaries.

You consent to electronic communications and signatures.

Headings are for convenience only; “including” means “without limitation.”

18. CONTACT INFORMATION

Legal Contact Email: legal@personalfin.store Postal: Rue du Lac 12, Geneva, 1207, Switzerland

Privacy Contacts General: privacy@personalfin.store EU users: privacy_eu@personalfin.store UK users: privacy_uk@personalfin.store

Support Email: support@personalfin.store

privacy terms cookie domains