1. Agreement to Terms
By accessing or using CHIVAM BLOGS at https://blog.chivamservices.com (the “Site”), operated by CHIVAM SERVICES (“we”, “us”, “our”), you agree to be bound by these Terms of Service. If you do not agree, please do not use the Site.
2. Use of the Site
You agree to use the Site only for lawful purposes and in a way that does not:
- Infringe the rights of others
- Restrict or inhibit anyone else's use of the Site
- Involve transmitting unsolicited advertising or spam
- Involve uploading or transmitting viruses or malicious code
- Attempt to gain unauthorised access to the Site's systems
- Scrape, crawl, or spider the Site in excess of normal browsing
3. Intellectual Property
All content on the Site — including articles, blog posts, images, graphics, logos, and design — is the property of CHIVAM SERVICES or its content suppliers and is protected by applicable copyright and intellectual property laws.
You may share individual articles by linking to them. You may not reproduce, distribute, publish, transmit, modify, or create derivative works of any content without our prior written permission.
4. Not Professional Advice
The content published on CHIVAM BLOGS is for informational and educational purposes only. It does not constitute financial, investment, legal, tax, medical, or any other form of professional advice.
Articles covering topics such as personal finance, investing, budgeting, credit, insurance, careers, or business are general in nature and are not tailored to your individual circumstances. Always consult a qualified and licensed professional before making any financial, investment, or other significant decisions.
Past performance mentioned on this Site does not guarantee future results. Investments carry risk, including the possible loss of principal.
5. Comments and User Submissions
If you submit a comment, you grant us a non-exclusive, royalty-free, perpetual licence to use, reproduce, modify, and publish that comment on the Site. You are solely responsible for the content of your comments.
You agree not to post comments that are:
- Defamatory, abusive, harassing, or threatening
- Obscene, offensive, or inappropriate
- Spam, promotional content, or unsolicited advertising
- In violation of any third party's rights
- Unlawful in any jurisdiction
We reserve the right to moderate, edit, or remove any comment at our sole discretion without notice.
6. Affiliate Disclosure
Some articles on this Site may contain affiliate links. If you click an affiliate link and make a purchase, we may earn a commission at no additional cost to you. We only recommend products and services we believe provide value. Affiliate relationships do not influence our editorial content.
7. Advertising
The Site displays advertisements served by Google AdSense and potentially other advertising networks. We are not responsible for the content of these advertisements. Clicking on an ad takes you to a third-party site governed by its own terms and privacy policy.
8. Third-Party Links
The Site may contain links to third-party websites. These links are provided for your convenience. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.
9. Disclaimer of Warranties
The Site and its content are provided “as is” and “as available” without any warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.
We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.
10. Limitation of Liability
To the fullest extent permitted by law, CHIVAM SERVICES and its affiliates, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Site or its content, even if we have been advised of the possibility of such damages.
11. Governing Law
These Terms shall be governed by and construed in accordance with applicable law. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the competent courts.
12. Changes to These Terms
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting. Your continued use of the Site after any changes constitutes your acceptance of the updated Terms.
13. Contact Us
Questions about these Terms may be directed to legal@chivamservices.com.