Terms of Service
Last updated: January 2024
1. Acceptance of Terms
By accessing and using the Daily Habits Wealth website and editorial platform ("Platform"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use this Platform. We reserve the right to modify these terms at any time. Your continued use of the Platform following the posting of revised terms means you accept and agree to the changes.
Daily Habits Wealth is an informational and editorial platform located at EDSA 81, Davao. This Platform is intended to provide financial literacy content, educational articles, and wealth-building insights to our readers.
2. Platform Description and Purpose
Daily Habits Wealth operates as an editorial and informational platform dedicated to publishing articles, guides, and educational content about personal finance, wealth building, and daily financial habits. Our content is created and curated by our editorial team of writers and researchers.
The Platform provides:
- Educational articles about financial habits and wealth building
- Guides and resources for personal financial management
- Featured stories and case studies on financial topics
- Access to our latest articles and editorial content
- Frequently asked questions and informational resources
We do not sell products, services, or subscriptions. We do not provide financial advisory services, investment recommendations, or professional financial planning. All content is provided for educational and informational purposes only.
3. User Obligations and Conduct
By using the Daily Habits Wealth Platform, you agree to:
- Use the Platform solely for lawful purposes and in a way that does not infringe upon the rights of others or restrict their use and enjoyment of the Platform
- Not transmit obscene or offensive content, or disrupt the normal flow of dialogue within the Platform
- Not attempt to gain unauthorized access to our systems or networks
- Not reproduce, duplicate, copy, or sell any portion of the Platform without express written permission
- Not use automated tools, bots, or scrapers to harvest content from the Platform
- Not engage in any form of harassment or abusive behavior toward our editorial team or other users
- Provide accurate information if submitting feedback or inquiries to our editorial team
- Respect intellectual property rights and copyright notices
4. Intellectual Property Rights
All content published on the Daily Habits Wealth Platform, including articles, guides, design elements, images, and text, is the intellectual property of Daily Habits Wealth or our contributing writers and is protected by copyright law. You may read and download content for personal, non-commercial use only.
You may not:
- Reproduce or republish our articles without explicit permission
- Use our content for commercial purposes
- Modify or alter our content
- Remove copyright or attribution notices
- Create derivative works based on our content
Proper attribution and linking to original content is permitted and encouraged for educational sharing.
5. Disclaimer of Warranties
The Daily Habits Wealth Platform is provided "as is" without warranties of any kind. While our editorial team strives to provide accurate and helpful information, we make no representations or warranties regarding the completeness, accuracy, reliability, or timeliness of any content published.
We explicitly disclaim:
- Any warranties of merchantability or fitness for a particular purpose
- Warranties that the Platform will be uninterrupted or error-free
- Warranties regarding the accuracy of information derived from third-party sources
- Warranties that any defects will be corrected
Financial situations are personal and complex. We strongly encourage you to consult with qualified financial professionals before making any financial decisions based on our articles.
6. Limitation of Liability
To the fullest extent permitted by law, Daily Habits Wealth shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to damages for loss of profits, goodwill, use, data, or other intangible losses, even if we have been advised of the possibility of such damages.
This includes liability arising from:
- Use or inability to use the Platform or its content
- Reliance on any information provided in our articles
- Financial decisions made based on our editorial content
- Unauthorized access to or alteration of your information
- Third-party conduct or content
- Any other matter relating to the Platform
In jurisdictions that do not permit the exclusion of liability, our liability shall be limited to the maximum extent permitted by law.
7. Third-Party Links and Content
The Daily Habits Wealth Platform may contain links to third-party websites, resources, and content. We provide these links for informational purposes only and do not endorse, control, or assume responsibility for the content, accuracy, or practices of external websites.
Your use of third-party websites is subject to their own terms and conditions. We encourage you to review their privacy policies and terms before providing any personal information. Daily Habits Wealth shall not be liable for any damages or losses resulting from your interaction with third-party content or websites.
8. Privacy and Data Collection
Your use of the Daily Habits Wealth Platform is also governed by our Privacy Policy. By using the Platform, you consent to our collection and use of personal information as described in our Privacy Policy. Please review our Privacy Policy to understand our data collection, storage, and usage practices.
We are committed to protecting your information and maintaining the confidentiality of any feedback or inquiries you submit to our editorial team.
9. User-Generated Content and Feedback
If you submit feedback, comments, suggestions, or any other content to Daily Habits Wealth ("User Content"), you grant us a non-exclusive, worldwide, royalty-free license to use, reproduce, modify, and display such content in connection with our Platform and editorial work.
You represent and warrant that:
- You own or have the right to submit the User Content
- The User Content does not violate any third-party rights
- The User Content is truthful and not defamatory
- Submission of User Content grants us the right to feature it in our editorial work
10. Modification and Termination
Daily Habits Wealth reserves the right to modify, suspend, or discontinue the Platform or any portion thereof at any time with or without notice. We may also modify these Terms of Service at any time. Changes will be effective immediately upon posting to the Platform.
We reserve the right to deny access to the Platform to any user who violates these Terms of Service or engages in prohibited conduct.
Your access to archived articles and published content will remain available, though we may update, correct, or remove content at our editorial discretion.
11. Governing Law and Jurisdiction
These Terms of Service shall be governed by and construed in accordance with the laws of the Republic of the Philippines, without regard to its conflict of law principles. You agree that any legal action or proceeding arising under or relating to these terms shall be brought exclusively in the courts of Davao City, Philippines.
By using the Platform, you irrevocably submit to the jurisdiction of these courts and waive any objection to venue or inconvenient forum.
12. Indemnification
You agree to indemnify, defend, and hold harmless Daily Habits Wealth, its founders, editorial team, and other contributors from any claims, damages, losses, liabilities, and expenses (including attorney's fees) arising from your use of the Platform, violation of these Terms of Service, or infringement of any rights of third parties. This includes any claims related to User Content you submit or any illegal conduct.
13. Severability
If any provision of these Terms of Service is found to be invalid, unlawful, or unenforceable by a court of competent jurisdiction, such provision shall be severed, and the remaining provisions shall continue in full force and effect. The parties' intent is for these terms to be enforced to the maximum extent permitted by applicable law.
14. Entire Agreement
These Terms of Service, together with our Privacy Policy and any other policies published on the Platform, constitute the entire agreement between you and Daily Habits Wealth regarding your use of the Platform.
If there is any conflict between these terms and other posted policies, these Terms of Service shall govern unless explicitly stated otherwise.
15. Contact Us
If you have questions about these Terms of Service, our editorial content, or need to send feedback about our articles, please contact our editorial team:
Daily Habits Wealth
EDSA 81, Davao, Philippines
For content questions and editorial feedback: [email protected]
Related Resources
For more information about our platform and policies:
- → Read our Disclaimer
- → Read our Privacy Policy
- → Visit our FAQ
- → Discover our articles
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EDSA 81, Davao, Philippines