Date of last revision: December 3, 2025

1. Acceptance of These Terms

These Terms and Conditions (“Terms”) govern your access to and use of the Fine Print Journal website, https://www.fineprintjournal.com, any related subdomains, and any services or content provided through the site (collectively, the “Site”).

By accessing or using the Site, you agree to be bound by these Terms and by our Privacy Policy. If you do not agree, you must stop using the Site.

Fine Print Journal is operated by CliqVentures Inc, a Florida company.

2. Eligibility

The Site is intended for individuals who are at least 18 years old. By using the Site, you represent and warrant that you meet this requirement.

3. Nature of Fine Print Journal Content

Fine Print Journal is a financial information and reference publication. The Site publishes articles, explainers, commentary, and related content covering topics such as personal finance, banking, insurance, investing, financial technology, consumer protection, and regulation.

All content on the Site is provided for general informational purposes only. We do not provide individualized financial, legal, tax, or investment advice. We do not act as a broker, dealer, investment adviser, insurance agency, or fiduciary.

3.1 No Financial, Legal, or Tax Advice

Content on the Site is not financial advice, investment advice, legal advice, or tax advice. You should not rely on Site content as a substitute for professional guidance tailored to your circumstances.

Always consult qualified professionals before making decisions related to investments, insurance coverage, taxes, or other major financial matters.

3.2 Editorial Independence

Fine Print Journal aims to maintain editorial independence. Sponsored content, advertisements, and paid partnerships will be labeled where applicable.

4. User Accounts

Some features of the Site may allow or require account creation, such as commenting or subscribing. If you create an account, you agree to provide accurate information and keep your login credentials secure.

You are responsible for all activity that occurs under your account. We may suspend or terminate accounts at our discretion if we believe these Terms have been violated.

5. User Conduct

You agree not to use the Site in any way that:

  • Violates any applicable law or regulation
  • Harasses, threatens, or abuses others
  • Infringes intellectual property rights or other rights of others
  • Publishes or spreads unlawful, deceptive, or harmful content
  • Attempts to interfere with the Site’s security or normal operation
  • Attempts to access accounts, systems, or data without authorization

6. User Content

The Site may allow you to post comments, reviews, or other material (“User Content”). You retain ownership of your User Content, but by posting it, you grant us a non exclusive, worldwide, royalty free license to use, display, reproduce, distribute, and create derivative works from it in connection with operating and promoting the Site.

You represent that your User Content does not violate any third party rights or applicable laws.

We may moderate, edit, or remove User Content at any time, for any reason, including to enforce these Terms or reduce risk to the Site or users.

7. Intellectual Property

All content on the Site, including text, images, branding, design, graphics, and logos, is owned by Fine Print Journal or its licensors and is protected by intellectual property laws.

You may not copy, reproduce, distribute, modify, publish, transmit, or create derivative works from Site content without our prior written permission, except as allowed by law.

8. Third Party Links and Services

The Site may contain links to external websites, products, or services. These links are provided for convenience and reference only.

We do not control and are not responsible for third party content, policies, products, or practices. Your use of third party sites is at your own risk and subject to their terms.

9. Advertising, Sponsorships, and Affiliate Relationships

Fine Print Journal may display advertising, publish sponsored content, or earn commissions through affiliate links. When content is sponsored or created in collaboration with a partner, we aim to label it clearly.

Advertising and affiliate relationships do not guarantee favorable coverage and do not change the general informational nature of the Site.

10. Disclaimers

10.1 General Disclaimer

The Site and its content are provided on an “as is” and “as available” basis. We make no warranties, express or implied, regarding the accuracy, completeness, reliability, or availability of the Site.

10.2 Markets and Risk Disclaimer

Financial decisions involve risk and outcomes can vary. Past performance is not a guarantee of future results. Information on the Site may become outdated as laws, rates, markets, and products change.

11. Limitation of Liability

To the fullest extent permitted by law, Fine Print Journal, CliqVentures Inc, and their officers, employees, and partners are not liable for any direct, indirect, incidental, consequential, or special damages arising from your use of the Site.

This includes damages related to:

  • Content errors or omissions
  • Reliance on information on the Site
  • Website interruptions or technical issues
  • Unauthorized access to data
  • Use of third party products, services, or websites

12. Indemnification

You agree to defend, indemnify, and hold harmless Fine Print Journal, CliqVentures Inc, and their affiliates from any claims, damages, losses, liabilities, costs, or expenses arising from:

  • Your use of the Site
  • Your User Content
  • Your violation of these Terms or applicable law

13. Changes to These Terms

We may update these Terms at any time. When we do, we will update the “Date of last revision” at the top of this page.

Your continued use of the Site after changes are posted constitutes acceptance of the updated Terms. If you do not agree, you must stop using the Site.

14. Termination

We may suspend or terminate your access to the Site at our discretion, with or without notice, if we believe you have violated these Terms or pose a risk to the Site or other users.

15. Governing Law

These Terms are governed by the laws of the State of Florida, without regard to conflict of law principles.

Any disputes must be brought in the state or federal courts located in Palm Beach County, Florida.

16. Contact Information

If you have questions about these Terms, you can reach us at:

Administrator: https://www.cliqventures.com
Website: https://www.fineprintjournal.com
Postal mail:
CliqVentures Inc
1050 Aspri Way
Riviera Beach, FL 33418