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Terms and conditions

Last updated in January 2025

By visiting and using the website eupersonalfinance.eu (hereinafter referred to as the “website”), you accept and agree to be bound by these Terms and Conditions, including our Legal Notice and Privacy Policy, which are published on the website and incorporated herein by reference.

The term "you" refers to any person who uses, visits, and/or views the website. EU Personal Finance (“company”, “we”, or “our”) reserves the right to modify or amend these Terms and Conditions at any time, at its sole discretion, without prior notice. By using the website, you accept such changes. It is your responsibility to periodically review the website to stay updated.

Your continued use of the website after any changes to the Terms and Conditions constitutes your acceptance of those changes. If you do not wish to be bound by these Terms and Conditions, you should not access or use the website.

Minimum Age

All information and content on this website are intended for individuals over the age of 18. Children, as defined in our Privacy Policy, are prohibited from using this website.

Privacy Policy

We are committed to protecting your privacy. Acceptance of our Privacy Policy is expressly incorporated into these Terms and Conditions. Please refer to our Privacy Policy for more information.

Legal Notice

Acceptance of our Legal Notice is expressly incorporated into these Terms and Conditions. Please refer to the Legal Notice for more information.

Mandatory Arbitration and Governing Law

You expressly waive the right to bring any legal claims, now or in the future, related to the website and our products/services. In case of dispute or controversy, these Terms and Conditions shall be interpreted in accordance with the laws of the European Union.

You agree to submit to the jurisdiction of the state and federal courts located in the European Union, regardless of the location of the involved parties.

Any dispute must first be resolved through mandatory arbitration in Europe. The total cost of arbitration shall be borne by you, as permitted by law. Participating in the arbitration process in good faith is a prerequisite before seeking any other legal or equitable remedies, such as litigation. The winning party shall be entitled to reimbursement of attorney fees and other costs associated with the legal action.

Intellectual Property

All content on this website, including but not limited to text, logos, graphics, videos, and designs (collectively referred to as "Content"), is our property and is protected by copyright, trademark, and other intellectual property laws.

You are permitted to print or download the Content for personal, non-commercial, and informational use, provided that you do not violate intellectual property rights. Copying, modifying, publishing, distributing, selling, or licensing any part of the Content without prior written permission is strictly prohibited.

User Content and Lawful Use of the Website

Any content you submit on the website or on our social media must be your original work or have explicit permission from the author.

By submitting content, you grant us an irrevocable, worldwide right to identify, publish, edit, reproduce, and distribute such content. You must not submit illegal, defamatory, obscene, or infringing information.

Third-Party Links

The website may contain links to third-party websites. We are not responsible for the accuracy, content, or transactions conducted on those websites. By clicking on third-party links, you assume all risks associated with using those pages.

Use of Paid and Free Products

We offer both free and paid products (such as courses or digital materials). All products are protected by copyright laws. You may not share, modify, or resell our products without prior written permission.

Termination

We reserve the right to restrict or terminate your access to the website at any time, without prior notice.

Limitation of Liability

We reserve the right to restrict or terminate your access to the website at any time, without prior notice.

Indemnification

We reserve the right to restrict or terminate your access to the website at any time, without prior notice.

Entire Agreement

These Terms and Conditions, along with the Privacy Policy and Legal Notice, constitute the entire agreement between you and us regarding the use of this website.

Contact

For any questions, please contact us at success@hmchoose.com.