Last Updated: October 9, 2025

Hey there. These Terms and Conditions (“Terms”) are basically the ground rules for using AskFinanceGuru.com (“we,” “us,” or “our”). They cover everything: our content, our tools, and our community forum.

By using our site, you’re telling us you agree to everything written here. If you don’t agree, that’s okay, but you just shouldn’t use our site.

1. Important Disclaimers You Need to Know

This is the most critical section. We provide educational content, but there are strict limits to what that content means.

A. We Are Not Your Advisor

The content you find on AskFinanceGuru.com is purely for educational, informational, and entertainment purposes. Full stop. It is not meant to be personalized financial, investment, legal, or tax advice.

  • No Licensed Fiduciary Relationship: Our experts (even the CFAs and CPAs) are offering general knowledge, not advice tailored to your personal debt, goals, or tax bracket. We are not acting as your personal advisor.
  • Always Check with a Professional: Before you put money into any investment, file taxes, or sign a loan, you absolutely must consult with your own qualified, licensed professional—like a CFP®, CPA, or attorney.
  • Your Decisions: You are 100% responsible for the choices you make with your money, your taxes, and your investments.

B. Investment Risks

If we talk about stocks, bonds, or crypto, remember that investing always carries the risk of losing money.

  • Past performance numbers we show are historical; they won’t guarantee future results.
  • We can’t guarantee that any market information we provide is flawless or perfectly up-to-date. Using that information is entirely at your own risk.

2. Using the Community Q&A Forum

We want a helpful community, so if you use our forum, you agree to these clear rules:

  1. Be Nice. Treat every other user and our staff with respect. No harassment, threats, or hate speech. We’ll ban accounts that violate this rule without warning.
  2. Stick to Experience, Not Advice. You can share your story (“I used a 50/30/20 budget and it worked for me”), but don’t tell someone else what they should do (“You should put all your money in this one stock”).
  3. Keep it Legal. Don’t post anything that’s illegal, abusive, defamatory, or violates someone else’s copyright.
  4. No Spam. The forum isn’t a billboard. Don’t use it to promote your own products, side hustles, or websites unless we’ve given you express written permission first.
  5. Our Right to Moderate. We get the final say. We can remove or edit any post, ban users, or shut down the forum entirely, for any reason, with zero notice.

3. Intellectual Property and Content Use

All the content we create—the guides, the calculator code, the logos, and the text—belongs to Ask Finance Guru and is protected by copyright law.

  • What You Can Do: You can read it, print it out for your personal financial binder, and download it for your own non-commercial use. That’s fine.
  • What You Can’t Do: You cannot copy, reproduce, sell, republish, or use any part of our content for your own commercial business without our clear, written permission.
  • Your Submissions: When you post something (like a comment or forum reply), you’re giving us a royalty-free license to use that content. We can display it, edit it, and use it in perpetuity on our site and in our other materials.

4. Liability and Indemnity

Look, we work hard to make sure the website is up and the information is correct, but we’re human.

  • We’re Not Liable. Ask Finance Guru, its owners, employees, or contributors absolutely will not be liable for any damages—whether they are direct, indirect, accidental, or punitive—that result from you using our site or relying on any of its content.
  • You Indemnify Us. You agree to protect and defend Ask Finance Guru from any legal claims or demands (including attorney fees) made by any third party because of your use of the site or your violation of these Terms.

5. Affiliate and Advertising Transparency

We’re transparent about how we make money:

  • Affiliate Compensation: Yes, we use affiliate links. If you click a link for a service we recommend and sign up, we may receive a commission. This does not increase the price you pay.
  • No Editorial Influence: Our honest reviews and expert opinions are based purely on merit. We don’t let affiliate compensation change our editorial judgment.

6. General Legal Stuff

  • Governing Law: These Terms will be governed by the laws of the United States of America. If there’s a legal dispute, that’s where we’ll handle it.
  • Severability: If any part of these Terms is found to be illegal or unenforceable, the rest of the agreement still holds up.
  • Updates: We’ll update these Terms occasionally. When we do, we’ll post the new version here and change the “Last Updated” date. Continuing to use the site after the date change means you accept the new Terms.