Terms of Service

The following Terms of Service (these “Terms of Service”), govern your access to and use of learnabouttheunitedstates.com services, including any content, functionality and services (the “Site or website”)

These Terms of Use (“Terms”) state the Terms of Service governing your use of and access to the Site and constitute a legally binding contract between you and learnabouttheunitedstates.com. These Terms incorporate any additional Terms of Service posted by learnabouttheunitedstates.com through the Site, or otherwise made available to you by learnabouttheunitedstates.com.

The Privacy Policy (“Policy”) describes how learnabouttheunitedstates.com may use and disclose information that we may collect about all users and viewers through the Site.

PLEASE REVIEW THESE TERMS AND POLICY CAREFULLY. YOUR ACCESS TO AND/OR USE OF THE SITE CONSTITUTES YOUR ACCEPTANCE OF, AND CONSENT TO BE BOUND BY, THESE TERMS AND POLICY. IF YOU DO NOT ACCEPT AND CONSENT TO BE BOUND BY THESE TERMS AND POLICY, THEN YOU MUST NOT USE OR ACCESS THE SITE.

We may change these Terms and/or Policy from time to time by notifying you of such changes by any reasonable means, including by posting revised Terms or Policy through the Site. Any such changes will not apply to any dispute between you and us arising prior to the date on which we posted the revised Terms or Policy incorporating such changes, or otherwise notified you of such changes.

DEFINITIONS         

  1. The term “us” or “we” or “our” refers to com, which operates the website (the “Site” or “Service”).
  2. The term “User” refers to the individual, company, business organization, or other legal entity using the Services and/or contributing Content to them. The Content the User contributes, submits, transmits and/or posts to or through the Site shall be referred to variously as “your Content”, “Content of yours”, and/or “Content you submit.”

All of the above definitions can be used in the singular and plural form (if applies).

  1. Informational Purpose Only

The content provided on this Website is strictly for informational purposes. It is not intended to serve as professional advice or recommendations in the areas of loans, mortgages, or insurance. Users are advised to consider their individual circumstances and, if necessary, seek professional advice before making any financial decisions.

  1. AI-Generated Content Disclaimer

Users explicitly acknowledge that the content on this Website is generated by artificial intelligence algorithms. While some efforts are made to ensure accuracy and relevancy, there exists a possibility of errors, omissions, or inaccuracies. Users are strongly encouraged to independently verify information and should not solely rely on the content for critical decision-making.

  1. No Financial Services Offered

The Website expressly states that it does not offer or provide any financial services, including loans, mortgages, or insurance. The revenue generated on the Website is derived exclusively from third-party advertising, such as Google Ads.

  1. Data Collection and Privacy

While the Website owner does not directly collect personal user data, third-party services, including but not limited to Google Analytics and Google Ads, may collect and process user data. Users are urged to review the privacy policies of these third-party services to understand the extent of data collection and usage.

  1. Target Audience

The content on this Website is primarily intended for individuals in the United States. Users residing outside of the United States should be cognizant that the information provided may not be applicable to their specific legal, regulatory, or cultural contexts.

  1. Content Usage and Professional Advice

Users explicitly recognize and accept that the content on this Website is not a substitute for professional advice. It is strongly recommended that users consult with qualified professionals for personalized guidance on financial, legal, or insurance matters.

  1. Intellectual Property

All content, including text, graphics, logos, and intellectual property on this Website, is the exclusive property of the Website owner. Users are strictly prohibited from reproducing, distributing, or using the content for commercial purposes without obtaining explicit written permission.

  1. External Links

The Website may include links to third-party websites for supplementary information. The Website owner disclaims any responsibility for the content, accuracy, or privacy practices of these external sites. learnabouttheunitedstates.com does not control, and is not responsible for, any Third-Party Materials and the availability of any Third-Party Materials on the website does not imply endorsement of, or affiliation with the provider of Third-Party Materials. Your use of Third-Party Materials is at your own risk.

  1. Changes to Terms and Content

These terms and conditions are subject to periodic updates without prior notice. Users are strongly encouraged to review them regularly. The Website owner reserves the right to modify, update, or remove content from the Website without any obligation to inform users in advance.

  1. Limitation of Liability

To the extent permitted under applicable law, under no circumstances shall we, our officers, directors, employees, parents, affiliates, successors, assigns, or licensors be liable to you or any other third party for any indirect, special, incidental, or consequential, exemplary or punitive damages of any type including, without limitation, damages for loss of goodwill, service interruption, computer failure or malfunction, loss of business profits, loss of data or business information, loss of additional software or computer configurations or costs of procurement of substitute goods or services, damages arising in connection with any use of the website or any and all other commercial damages or losses, arising out of or in connection with these terms. Notwithstanding anything to the contrary contained herein, in no event shall our total liability (including our officers, directors, employees, parents, and affiliates) for any claim arising out of or related to these terms, to the fullest extent possible under applicable law, exceed the amount paid if any, by you for the use of the services.

  1. Governing Law

These detailed terms and conditions are governed by the laws of the United States. Any disputes arising from the use of this Website shall be subject to the exclusive jurisdiction of the courts within the United States.

  1. Indemnification

To the fullest extent permitted by applicable law, you agree to indemnify, defend and hold harmless learnabouttheunitedstates.com, and our respective past, present and future employees, officers, directors, contractors, consultants, equity holders, suppliers, vendors, service providers, parent companies, subsidiaries, affiliates, agents, representatives, predecessors, successors and assigns (individually and collectively, the learnabouttheunitedstates.com Parties”), from and against all actual or alleged learnabouttheunitedstates.com Party or third party claims, damages, awards, judgments, losses, liabilities, obligations, penalties, interest, fees, expenses (including, without limitation, attorneys’ fees and expenses) and costs (including, without limitation, court costs, costs of settlement and costs of pursuing indemnification and insurance), of every kind and nature whatsoever, whether known or unknown, foreseen or unforeseen, matured or unmatured, or suspected or unsuspected, in law or equity, whether in tort, contract or otherwise (collectively, “Claims”), including, but not limited to, damages to property or personal injury, that are caused by, arise out of or are related to (a) your use or misuse of the Sites, Content or Services, (b) any Feedback you provide, (c) your violation of these Terms, (d) your violation of the rights of another, (e) any third party’s use or misuse of the Site or Services provided to you and (f) any User Content you create, post, share or store on or through the Site or our pages or feeds on third party social media platforms. You agree to promptly notify learnabouttheunitedstates.com of any third-party Claims and cooperate with the learnabouttheunitedstates.com Parties in defending such Claims. You further agree that learnabouttheunitedstates.com Parties shall have control of the defense or settlement of any third-party Claims. This indemnity is in addition to, and not in lieu of, any other indemnities set forth in a written agreement between you and learnabouttheunitedstates.com.

  1. Assignment of the Contractual Rights and Obligations

As users of the platform, you agree and acknowledge that we may exercise at our sole discretion and we reserve the right to freely assign and/or transfer any or all of the rights and obligations described in this Agreement in connection to providing the service to you. You may not assign any of your rights and duties without our prior consent. Notwithstanding the foregoing provisions, this agreement shall be binding upon and inure to the benefit of the parties hereto and their respective successors and assigns.

By continuing to use our website, you acknowledge that you have read and understood our Disclaimer, Privacy Policy, and Terms of Service. Your continued use of the site signifies your agreement to these terms.