Terms of Service
Effective date: March 2, 2025
Last updated: March 2, 2025
Welcome to Equityref. By accessing or using equityref.com (the “Site”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree with any part of these Terms, do not use the Site.
Throughout these Terms, “we,” “us,” and “our” refer to Equityref, the operator of equityref.com. “You” refers to any visitor or user of the Site.
1. Acceptance of Terms
By accessing the Site, you confirm that you are at least 18 years old (or the age of majority in your jurisdiction) and that you accept these Terms in full. We may update these Terms at any time by posting a revised version on this page. Your continued use of the Site after any changes constitutes acceptance of the updated Terms.
2. Purpose of the Site
Equityref is a financial education and reference website. All content on the Site — including articles, glossary definitions, guides, cheat sheets, and any other material — is published for educational and informational purposes only.
Nothing on this Site constitutes financial advice, investment advice, tax advice, legal advice, or any other form of professional advice. See our Disclaimer for full details.
3. Intellectual Property
All content on equityref.com — including text, graphics, logos, page design, and site structure — is the property of Equityref or its content creators and is protected by applicable copyright and intellectual property laws.
You may:
- View and read content for personal, non-commercial use.
- Share links to any page on the Site.
- Quote brief excerpts with proper attribution and a link back to the original page.
You may not:
- Reproduce, republish, or redistribute substantial portions of the Site’s content without prior written permission.
- Use automated tools (scrapers, bots, crawlers beyond standard search engine indexing) to extract content from the Site.
- Frame or mirror the Site or any portion of it on another website.
4. No Professional Advice
The content on Equityref is strictly educational. We do not provide personalized financial, investment, tax, or legal advice. You should always consult a qualified professional before making financial decisions. Reliance on any information provided on this Site is solely at your own risk.
5. Accuracy and Completeness
We make reasonable efforts to ensure the accuracy of the content on this Site. However, financial information changes frequently, and we cannot guarantee that all content is current, complete, or error-free at all times.
6. Third-Party Links
The Site may contain links to third-party websites or resources. These links are provided for convenience and reference only. We do not control, endorse, or assume responsibility for the content, privacy policies, or practices of any third-party sites. Accessing third-party links is at your own risk.
7. Analytics and Tracking
We use Microsoft Clarity to understand how visitors interact with the Site through behavioral analytics (such as heatmaps and session recordings). This helps us improve the user experience. For more details on what data is collected and how it is used, please see our Privacy Policy.
8. Limitation of Liability
To the fullest extent permitted by law, Equityref and its owners, contributors, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:
- Your use of, or inability to use, the Site.
- Any errors or omissions in the Site’s content.
- Any financial decisions or actions you take based on information found on the Site.
- Unauthorized access to or alteration of your data.
The Site and all content are provided on an “as is” and “as available” basis without warranties of any kind, whether express or implied.
9. Indemnification
You agree to indemnify, defend, and hold harmless Equityref and its owners and contributors from any claims, damages, losses, or expenses (including reasonable attorney’s fees) arising out of your use of the Site or your violation of these Terms.
10. Governing Law
These Terms are governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in Delaware.
11. Severability
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, and the remaining provisions will remain in full force and effect.
12. Changes to These Terms
We reserve the right to modify these Terms at any time. When we do, we will update the “Last updated” date at the top of this page. We encourage you to review this page periodically. Continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.