These Terms of Use govern your access to and use of FinanciallyFreeFolks.com.
Financially Free Folks is independently written, edited, and managed by Forrukh Abdullah. In these Terms, “Financially Free Folks,” “we,” “us,” and “our” refer to the website and its operator.
By accessing or using the website, you agree to these Terms. Please do not use the website if you do not agree.
1.Educational purpose
Financially Free Folks publishes general educational and informational content concerning topics such as:
- personal finance;
- saving and budgeting;
- earning and career decisions;
- investing;
- financial independence;
- stocks and exchange-traded funds;
- bonds;
- commodities;
- foreign exchange;
- market analysis;
- trading and risk management.
The website does not provide personalized financial, investment, trading, tax, accounting, or legal advice.
Reading an article, using a calculator, downloading a resource, subscribing to the newsletter, or contacting us does not create an adviser-client, broker-client, fiduciary, accountant-client, attorney-client, or other professional relationship.
Please read our Financial, Investment and Trading Disclaimer.
2.Responsible use
You may use the website only in compliance with applicable law and these Terms.
Financially Free Folks is intended for a general audience and is not directed to children under 13. If you are under 18, involve a parent, guardian, or trusted adult before acting on financial, investment, or trading information.
You are responsible for deciding whether information is appropriate for your circumstances before acting on it.
3.No offer or solicitation
Website content is not an offer, recommendation, or solicitation to:
- purchase or sell a security;
- enter a commodity, foreign-exchange, derivative, or leveraged transaction;
- open an account with a financial provider;
- use a particular trading strategy;
- purchase a product or service;
- enter another financial arrangement.
References to investments, securities, markets, companies, products, or historical trades are provided for education and discussion.
4.Intellectual property
Unless otherwise stated, original content on Financially Free Folks—including articles, explanations, graphics, layouts, downloadable resources, calculator designs, and branding—is owned by Tawsif Abdullah or used with appropriate permission.
The name Financially Free Folks, associated branding, and original site materials may not be used in a way that falsely suggests endorsement, partnership, or affiliation.
Third-party names, logos, information, and trademarks remain the property of their respective owners.
5.Permitted use
You may:
- read and view public website content;
- print or save a reasonable number of pages for personal, non-commercial use;
- share links to public pages;
- quote brief portions with clear attribution and a link to the original page;
- use public calculators and downloads for their stated educational purpose.
6.Prohibited use
You may not, without prior written permission:
- republish an article in full or substantially reproduce it;
- remove copyright notices or attribution;
- sell, license, or commercially distribute our content;
- present our content as your own;
- copy substantial portions of the website to build another publication, product, database, or training dataset;
- systematically scrape, harvest, or extract website content;
- interfere with the website’s operation or security;
- attempt unauthorized access to administrative systems;
- use automated systems in a way that creates an unreasonable technical burden;
- upload or transmit malicious code;
- impersonate Financially Free Folks or its operator;
- use the website for unlawful, deceptive, or abusive activity.
Ordinary search-engine indexing and legitimate sharing of page links are not prohibited.
7.Calculators and interactive tools
Calculators and interactive tools provide estimates based on the information entered and the assumptions built into the tool.
Actual results may differ because of factors including:
- taxes;
- fees;
- inflation;
- changing interest rates;
- investment returns;
- market conditions;
- timing;
- rounding;
- laws and regulations;
- personal circumstances;
- assumptions not captured by the tool.
Calculator results are not guarantees, forecasts, professional valuations, or personalized recommendations.
You are responsible for checking important calculations and consulting an appropriate qualified professional when necessary.
8.Downloads
Downloads may include worksheets, checklists, spreadsheets, templates, reports, or educational materials.
Unless another license is clearly stated, downloads are provided for personal, non-commercial use.
You are responsible for:
- checking whether a file is suitable for your device;
- maintaining appropriate device security;
- verifying formulas and assumptions before relying on them;
- maintaining your own backup copies.
We do not guarantee that every download will remain available indefinitely or work with every device, browser, or software version.
9.Accuracy and updates
We aim to publish useful and carefully researched information. Financial information can change quickly.
Prices, interest rates, tax rules, regulations, product terms, market information, eligibility requirements, and service features may change after publication.
We do not guarantee that every page is:
- complete;
- current;
- free from error;
- appropriate for every reader;
- available at all times.
Readers should consider publication and update dates and verify important information through current primary sources.
10.External links
The website may link to third-party websites for evidence, further reading, products, tools, or services.
A link does not mean that we:
- control the third party;
- endorse every statement on its website;
- guarantee its security;
- guarantee its prices, products, or services;
- accept responsibility for its conduct.
Third-party websites have their own terms and privacy practices. You use them at your own discretion and risk.
11.Affiliate links, advertising, and sponsorships
Financially Free Folks may earn revenue through:
- affiliate links;
- display advertising;
- sponsorships;
- referral arrangements;
- paid partnerships;
- other clearly identified commercial relationships.
Where a material commercial relationship applies, we will disclose it clearly and close to the affected recommendation or content.
Compensation does not guarantee a favorable review, recommendation, or editorial conclusion.
Please read our Affiliate and Advertising Disclosure.
12.Communications
You may contact us to ask questions, provide feedback, or report an error.
We are not obligated to:
- provide personalized financial advice;
- review your portfolio;
- assess a proposed investment or trade;
- respond within a particular period unless applicable law requires it;
- keep unsolicited ideas or submissions confidential;
- publish submitted material.
Do not send passwords, account credentials, banking information, identification documents, or other sensitive information.
13.Newsletter communications
Newsletter emails are sent only to people who have completed the subscription and confirmation process.
You may unsubscribe at any time through the link included in each newsletter.
Unsubscribing from the newsletter does not prevent us from sending a necessary response to a separate contact request or privacy request.
14.Privacy
Our handling of personal information is described in our Privacy Policy.
15.Availability and website changes
We may:
- update, correct, or remove content;
- change site features;
- suspend or discontinue a calculator;
- remove a download;
- restrict harmful or abusive access;
- change the design or structure of the website;
- temporarily suspend access for maintenance or security.
We do not promise to preserve every page, function, or version permanently.
16.Disclaimer of warranties
To the fullest extent permitted by applicable law, the website and its content are provided on an “as is” and “as available” basis.
We do not warrant that:
- the website will always be available;
- every error will be corrected immediately;
- content will meet your particular needs;
- calculations will predict actual outcomes;
- files will work on every system;
- using the website will produce a financial benefit.
Nothing in these Terms excludes a warranty, consumer right, or protection that cannot legally be excluded.
17.Limitation of liability
To the fullest extent permitted by applicable law, Financially Free Folks and Tawsif Abdullah will not be liable for indirect, incidental, special, consequential, or punitive loss arising from the use of, or reliance on, the website.
This may include loss relating to:
- investments or trades;
- missed opportunities;
- business decisions;
- lost income or profits;
- lost data;
- calculator results;
- downloadable files;
- third-party products or services;
- website interruptions;
- unauthorized access outside our reasonable control.
You remain responsible for your own financial decisions.
Nothing in these Terms limits liability where doing so would be unlawful.
18.Indemnity
To the extent permitted by applicable law, you agree to be responsible for losses, claims, or reasonable costs arising directly from your unlawful use of the website, your material violation of these Terms, or your infringement of another person’s rights.
This provision does not require a consumer to surrender rights that cannot legally be waived.
19.Applicable law and disputes
These Terms and any dispute arising from or relating to the website are subject to the laws and jurisdiction rules that apply to the particular circumstances.
Nothing in these Terms limits mandatory consumer rights or legal protections that cannot lawfully be excluded.
Before beginning formal proceedings, both parties are encouraged to attempt to resolve a dispute through good-faith communication where practical.
20.Severability
If a provision of these Terms is found invalid or unenforceable, the remaining provisions will continue to apply.
The affected provision should be limited or interpreted only to the extent necessary to make it enforceable where possible.
21.No waiver
A delay or failure to enforce a provision does not permanently waive the right to enforce it later.
22.Changes to these Terms
We may update these Terms as the website, its services, or applicable requirements change.
The revised version will display an updated date. Continued use of the website after revised Terms become effective means that the revised Terms apply, to the extent permitted by law.
23.Contact
Questions about these Terms may be sent to:
Forrukh Abdullah
Financially Free Folks
Email: contact@financiallyfreefolks.com
Contact page: /contact/