Terms of Service
Acceptance of Terms
These Terms of Use describe the rules that apply to your use of novitechfinance.com. Using the site means you accept these rules. If you do not agree with any part of them, you should stop using the site. We reserve the right to modify these Terms, and the version published on this page is always the current version in force.
Use of the Service
Your use of novitechfinance.com is permitted on the basis that you (a) do not break the law, (b) do not interfere with the operation of the site or any other user's enjoyment of it, (c) do not attempt to access non-public areas of the service, (d) do not reproduce or republish our content beyond fair use, and (e) do not use any automated system (bots, crawlers, scrapers) in a way that imposes an unreasonable load on the service.
Should you create an account on novitechfinance.com, you accept responsibility for keeping your credentials confidential and for all activity associated with your account. Notify us immediately of any unauthorized use. We reserve the right to suspend or terminate access for security reasons or for breach of these Terms.
Intellectual Property
The articles, headlines, branding, and other content on novitechfinance.com are protected by copyright and other intellectual-property rights, either owned by us or used under license from third parties. You are welcome to read, share, and link to our content. You may not, however, reproduce substantial portions of it, frame it within another commercial site, or use it for any commercial purpose without our explicit written consent.
User Submissions
When you send material to novitechfinance.com for possible editorial use — a story tip, a correction, a letter to the editor, or a photograph — you grant us a non-exclusive, royalty-free, perpetual license to use the material in connection with our reporting, with attribution where appropriate and where you have not asked to remain anonymous. You warrant that the submission is yours to share and that we are free to publish it.
Newsletter and Email Communications
Newsletter subscription to novitechfinance.com is voluntary. We send only the editions you have opted in to, and you may unsubscribe at any time through the unsubscribe link present in every message. Following an unsubscribe we keep a minimal suppression record so that the address is not accidentally re-added by an import.
Third-Party Links and Sources
Outbound links from novitechfinance.com to other websites are provided for context and attribution. We do not endorse those sites and we have no control over their content or their treatment of your personal information. Once you click an outbound link, you have left our service and you are subject to whatever terms the third party publishes.
Disclaimer of Warranties
While novitechfinance.com takes reasonable care to provide accurate and timely editorial content, the site is supplied on an "as is" and "as available" basis. We make no warranties — express or implied — about the completeness, accuracy, reliability, or availability of the content, and we accept no responsibility for any loss arising from reliance on it. Always consult an appropriately qualified professional before acting on information you read here.
Limitation of Liability
Except where prohibited by law, novitechfinance.com is not liable for indirect or consequential damages — including lost profits, lost data, or business interruption — that result from your use of the site. Our aggregate liability is limited to the greater of one hundred US dollars (USD 100) or the amount you paid us in the previous twelve months.
Indemnification
You will indemnify and hold harmless novitechfinance.com and its operators from any third-party claim that arises from your use of the site in violation of these Terms or applicable law. This indemnification covers reasonable attorneys' fees and other costs of defense. We will give you prompt notice of any claim and will cooperate reasonably in the defense.
Suspension and Termination
Access to novitechfinance.com may be terminated by us at any time for breach of these Terms, suspected fraud or abuse, or operational necessity. You may discontinue use of the site at any time without notice. Provisions of these Terms that, by their nature, are intended to survive termination — such as intellectual-property rights, disclaimers, liability limits, indemnification, and dispute-resolution rules — survive termination.
Governing Law and Disputes
These Terms are governed by the laws of the jurisdiction in which novitechfinance.com's operator is established, without regard to its conflict-of-law provisions. To the extent permitted by applicable law, any dispute arising out of or relating to these Terms or your use of the site will be resolved in the competent courts of that jurisdiction. Nothing in this section affects any non-waivable consumer-protection rights you have under the law of your country of residence.
Changes to These Terms and How to Reach Us
novitechfinance.com may amend these Terms when our practices change, when the law requires it, or for any other reasonable purpose. The current version is always the one published here. We will provide advance notice of material changes through the site or via newsletter. For any question about these Terms, the canonical contact channel is the Contact form linked from every page on the site.