Terms of Service

Acceptance of Terms

By accessing or using the website finlightindex.com (the "Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Site. These Terms apply to all visitors, users, and others who access or use the Site.

Nature of Content

Finlight Index is an independent educational and analytical platform. All information, data, rankings, articles, guides, and other content published on the Site are provided for informational and educational purposes only. The Site does not offer or provide any commercial services, products, subscriptions, or paid offerings of any kind.

No Financial Advice

Nothing on this Site constitutes financial, investment, legal, tax, or professional advice of any kind. The content is provided for general educational purposes and should not be relied upon as a basis for making any financial or investment decision. You should consult with a qualified financial professional, attorney, or other relevant expert before making decisions based on any information obtained from this Site.

Finlight Index makes no representations or warranties about the suitability of any information on the Site for any particular purpose or individual circumstance.

Intellectual Property

The original content on this Site, including but not limited to text, graphics, index data, methodologies, site design, and code, is the property of Finlight Index and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any part of the Site without prior written permission, except as expressly permitted below.

You are permitted to share links to pages on the Site and to quote brief excerpts for non-commercial, educational, or journalistic purposes, provided that Finlight Index is clearly attributed as the source and that the excerpt is not modified.

Third-party data incorporated into the Site (including data sourced from OECD, World Bank, and other institutions) remains the property of the respective rights holders and is subject to their respective terms of use.

Permitted Use

You may access and use the Site for personal, non-commercial, informational, research, and educational purposes. Academic citation of data or rankings published on the Site is permitted, subject to proper attribution.

Prohibited Conduct

You agree not to:

• Use the Site in any way that violates applicable laws or regulations.
• Use automated tools (bots, scrapers, crawlers) to access the Site without prior written permission.
• Attempt to gain unauthorized access to any portion of the Site or its related systems or networks.
• Transmit any viruses, malware, or other harmful code through the Site.
• Misrepresent or misattribute content from this Site, including by presenting it as your own work or altering its meaning.
• Use content from this Site for commercial purposes without written authorization.
• Reproduce or republish the Site's content in ways that could mislead users about its source or editorial independence.

Third-Party Links and Sources

The Site may contain links to third-party websites or reference external data sources. These links are provided for convenience and informational purposes only. Finlight Index does not endorse, control, or accept responsibility for the content, accuracy, or practices of any third-party website. Access to linked sites is at your own risk.

Disclaimers

The Site and all content are provided on an "as is" and "as available" basis without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, completeness, or non-infringement.

While we make reasonable efforts to ensure the accuracy of the information published, Finlight Index does not guarantee that the content is current, complete, or free from errors. Financial literacy data is inherently complex and subject to revision as source data is updated.

Limitation of Liability

To the maximum extent permitted by applicable law, Finlight Index and its contributors shall not be liable for any direct, indirect, incidental, consequential, special, or exemplary damages arising from your use of, or inability to use, the Site or its content — including but not limited to damages for loss of income, data, business, or goodwill — even if we have been advised of the possibility of such damages.

Governing Law

These Terms shall be governed by and construed in accordance with applicable law. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the competent courts in the applicable jurisdiction.

Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective upon posting to this page with a revised effective date. Your continued use of the Site after changes are posted constitutes acceptance of the revised Terms. We encourage you to review these Terms periodically.

Contact

If you have questions about these Terms, please contact us at info@finlightindex.com.