Last updated: November 11, 2025
Welcome to MoneyTimes US (the “Site”, “we”, “us” or “our”). By accessing or using the website at https://moneytimes.us/ (and any related services) you agree to be bound by these Terms & Conditions (the “Agreement”). If you do not agree with any part of these Terms, you must cease use of the Site immediately.
1. Eligibility
You represent and warrant that you are at least the age of legal majority in your jurisdiction (or older if required) and have the legal capacity to enter into this Agreement. If you are under the required age, you may not use the Site.
2. Acceptance & Modifications
We reserve the right, at our sole discretion, to modify, amend or replace any part of these Terms at any time. When we do so, we will post the revised Terms on the Site and update the “Last updated” date above. Your continued use of the Site after such changes constitutes your acceptance of the new Terms.
3. Use of the Site
- The Site (and its content) is provided for your personal, non‑commercial use unless otherwise expressly permitted by us.
- You agree not to use the Site for any unlawful purpose, in violation of any applicable law, or in a manner that could damage, disable, overburden or impair the Site.
- You agree not to attempt to gain unauthorized access to any portion of the Site or any other systems or networks connected to the Site.
4. Intellectual Property
- All content on the Site — including text, graphics, logos, images, audio, video, software, data compilations, and the selection & arrangement thereof (“Material”) — is owned by us, our affiliates or licensors, and is protected by copyright, trademark, and other laws.
- Except as explicitly permitted herein, you may not copy, reproduce, modify, distribute, display, publish, create derivative works from, or exploit in any way any of the Material without our prior written permission.
- You acknowledge that the “look & feel” of the Site is proprietary.
5. User Content
If you provide any content (comments, feedback, submissions) to the Site (“User Content”), you grant us a worldwide, non‑exclusive, royalty‑free, perpetual licence to use, reproduce, modify, publish, distribute and display such User Content in any media. You represent and warrant that you own or have the right to grant such licence and that your User Content does not infringe any third‑party rights.
6. Links to & from Third‑Party Sites
- The Site may contain links to other websites or resources that are not owned or controlled by us. We are not responsible for the content, privacy policies or practices of any third‑party sites.
- If you link to our Site from another site, you must comply with our linking policy (which we may provide or vary at our discretion).
7. Disclaimers
- The Site and all the Material are provided on an “as‑is” and “as‑available” basis without warranties of any kind, whether express or implied.
- We do not guarantee that the Site or Material will be fault‑free, uninterrupted, secure or free of errors or viruses.
- We do not warrant the accuracy, completeness or reliability of any information on the Site or that it is appropriate for your particular purpose.
8. Limitation of Liability
To the maximum extent permitted by applicable law:
- We (and our officers, directors, employees, agents, affiliates) will not be liable for any indirect, incidental, special, consequential or punitive damages (including loss of profits, revenue, data or goodwill) arising out of your access to or use of the Site, even if advised of the possibility of such damages.
- Our total aggregate liability in respect of all claims arising under or in connection with this Agreement shall not exceed [specify amount, e.g., USD 100] or the amount you have paid us in the last 12 months, whichever is lower.
9. Indemnification
You agree to indemnify, defend and hold harmless us and our officers, directors, employees, agents, affiliates from and against any and all losses, liabilities, damages, costs, claims and expenses (including reasonable legal fees) arising out of or related to:
- your use of the Site;
- your User Content;
- your violation of these Terms; or
- your violation of any rights of a third party.
10. Termination
We may suspend or terminate your access to the Site at any time, for any reason (including breach of these Terms), without prior notice or liability. Upon termination, you must cease use of the Site and destroy any downloaded material obtained from the Site.
11. Governing Law & Dispute Resolution
These Terms shall be governed by and construed in accordance with the laws of [insert jurisdiction — e.g., Lagos State, Nigeria / Federal Republic of Nigeria], without regard to its conflict‑of‑law provisions. You and we submit to the non‑exclusive jurisdiction of the courts located in New York, United States.
12. Severability
If any provision of these Terms is held invalid or unenforceable, that provision shall be struck out or modified to the minimum extent necessary and the remaining provisions shall continue in full force and effect.
13. Waiver
Any failure by us to enforce any provision of these Terms shall not constitute a waiver of our right to later enforce that or any other provision.
14. Entire Agreement
These Terms, together with our Privacy Policy, any Additional Terms (such as rules for contests, user‑generated content, subscriptions) and any notices posted on the Site, constitute the entire agreement between you and us regarding your use of the Site and supersede all prior or contemporaneous communications.
15. Privacy
Please review our Privacy Policy, which governs your use of the Site with respect to your personal data and is incorporated into these Terms. [Insert link to privacy policy]
16. Miscellaneous
- Headings in these Terms are for convenience only and shall not affect interpretation.
- We may assign or transfer our rights and/or obligations under these Terms at any time in connection with a merger or acquisition; you may not assign your rights or obligations without our prior written consent.
- You agree that any notices from us may be provided electronically (via posting on the Site or by email).
By using the Site, you acknowledge that you have read, understood and agree to these Terms & Conditions.