Terms of Service

Last updated: [01/02/2026]

Welcome to Monvixo. These Terms of Service (“Terms”) govern your access to and use of this website. By visiting, accessing, or using Monvixo, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must discontinue use of the website immediately.

Monvixo is an independent educational personal finance website intended primarily for users in the United States.

1. Purpose of the Website

Monvixo provides general educational and informational content related to personal finance topics, including but not limited to:

  • Budgeting and saving
  • Credit and debt management
  • Insurance fundamentals
  • Investing basics
  • Retirement planning

All content is provided for educational purposes only and should not be considered professional financial, legal, or tax advice.

2. Eligibility to Use the Website

By using Monvixo, you confirm that:

  • You are at least 13 years of age
  • You are legally permitted to access online content in your jurisdiction
  • You will use the website in compliance with all applicable laws

If you are under the age of 13, you are not permitted to use this website.

3. Acceptance of Terms

By using Monvixo, you acknowledge and agree to:

If you do not agree with any of these policies, you must stop using the website.

4. Use of Website Content

All content on Monvixo, including text, articles, graphics, layout, and design, is provided for personal, non-commercial use only, unless otherwise stated.

You may:

  • Access and read content for personal use
  • Share links to our articles
  • Reference our content with proper attribution

You may not:

  • Copy, reproduce, republish, or redistribute content without permission
  • Modify, sell, or exploit content for commercial purposes
  • Use content in a misleading, unlawful, or deceptive manner

Unauthorized use may result in legal action.

5. No Professional Relationship

Use of Monvixo does not create:

  • A financial advisor–client relationship
  • A legal or tax advisory relationship
  • Any fiduciary duty

All financial decisions made based on the content are solely your responsibility.

6. User Responsibilities

By using Monvixo, you agree that you will:

  • Use the website lawfully and responsibly
  • Not attempt to damage, disrupt, or misuse the website
  • Not introduce malware, viruses, or harmful code
  • Not attempt unauthorized access to site systems

You are responsible for determining whether the information provided is appropriate for your personal situation.

7. Accuracy of Information

While we strive to keep content accurate and up to date:

  • Financial laws and regulations may change
  • Information may become outdated
  • Errors or omissions may occur

Monvixo makes no warranties or guarantees regarding the accuracy, completeness, or reliability of website content.

8. Third-Party Links and Services

Monvixo may contain links to third-party websites or services for informational purposes.

We do not control and are not responsible for:

  • Third-party content
  • Their policies or practices
  • Any damages or losses resulting from their use

Accessing third-party websites is done at your own risk.

9. Advertising and Monetization

Monvixo may display advertisements, including those provided by Google AdSense or other advertising partners.

  • Advertisements do not influence editorial content
  • We do not guarantee the accuracy of ads
  • Clicking on ads is voluntary

Monvixo is not responsible for transactions or interactions between users and advertisers.

10. Intellectual Property Rights

All original content, branding, logos, and design elements on Monvixo are protected by applicable intellectual property laws.

You may not use our name, logo, or branding without prior written permission.

11. Limitation of Liability

To the fullest extent permitted by law, Monvixo and its owners, contributors, and affiliates shall not be liable for:

  • Financial or investment losses
  • Indirect or consequential damages
  • Loss of data or profits
  • Decisions made based on website content

Your use of the website is entirely at your own risk.

12. Indemnification

You agree to indemnify and hold harmless Monvixo and its affiliates from any claims, damages, or expenses arising from:

  • Your use of the website
  • Your violation of these Terms
  • Your misuse of website content

13. Termination of Access

We reserve the right to restrict, suspend, or terminate access to the website at any time, without notice, if these Terms are violated.

14. Changes to These Terms

We may update these Terms of Service at any time.

Changes become effective immediately upon posting. Continued use of the website after changes indicates acceptance of the revised Terms.

15. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of the United States, without regard to conflict of law principles.

16. Contact Information

If you have any questions regarding these Terms of Service, you may contact us at:

📧 Email: contact@monvixo.com
🌐 Website: Monvixo.com