Terms of Service

Last Updated: January 1, 2025

Welcome to FinMango. These Terms of Service ("Terms") govern your access to and use of our website, content, and services. By accessing or using finmango.org, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our website.

1. Acceptance of Terms

By accessing or using the FinMango website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy. These Terms apply to all visitors, users, and others who access or use our services.

2. About FinMango

FinMango is a 501(c)(3) nonprofit organization (EIN: 81-2543425) dedicated to solving complex problems that endanger the financial health of young adults and vulnerable communities. Our mission is carried out through research, education, and advocacy initiatives.

Use of Our Website

Permitted Use

You may use our website for lawful purposes only. You may:

• Access and view content for personal, non-commercial use
• Download educational resources for personal or classroom use
• Share links to our content on social media
• Reference our research with proper attribution
• Participate in our programs and initiatives

Prohibited Use

You may not:

• Reproduce, distribute, or commercially exploit our content without written permission
• Use automated systems (bots, scrapers) to access our website
• Attempt to gain unauthorized access to our systems or networks
• Upload viruses, malware, or other harmful code
• Impersonate FinMango or misrepresent your affiliation with us
• Use our website for illegal or harmful purposes
• Collect user information without consent
• Interfere with the proper functioning of our website

4. Intellectual Property Rights

Our Content

All content on this website, including text, graphics, logos, images, research data, calculators, tools, and software, is the property of FinMango or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.

Trademarks

The FinMango name, logo, and all related marks are trademarks of FinMango. You may not use our trademarks without our prior written permission.

Fair Use and Attribution

You may reference or quote our research and content for educational, journalistic, or scholarly purposes, provided you:

• Provide proper attribution to FinMango
• Include a link to the original source when possible
• Do not imply endorsement by FinMango
• Comply with applicable fair use guidelines

5. User-Generated Content

If you submit content to us (such as testimonials, feedback, or participation in surveys), you grant FinMango a non-exclusive, worldwide, royalty-free license to use, reproduce, modify, and publish that content in connection with our mission. You represent that you have the right to grant this license and that your content does not violate any third-party rights.

6. Disclaimers

Educational Purpose Only

The information provided on our website is for educational and informational purposes only. It is not intended as, and should not be construed as, professional financial, legal, or tax advice. You should consult with appropriate professionals for advice specific to your situation.

No Warranty

Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that:

• Our website will be uninterrupted, timely, secure, or error-free
• The information provided will be accurate, reliable, or complete
• Any errors or defects will be corrected
• Our website is free of viruses or other harmful components

Research and Data

While we strive for accuracy in our research and data, we make no guarantees about the completeness, accuracy, or reliability of any research findings, statistics, or financial health indicators published on our website. Our research is based on available data and methodologies that may change over time.

Limitation of Liability

To the fullest extent permitted by law, FinMango, its directors, officers, employees, volunteers, and partners shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:

• Your access to or use of (or inability to access or use) our website or services
• Any conduct or content of any third party on our website
• Any content obtained from our website
• Unauthorized access, use, or alteration of your transmissions or content
• Financial decisions made based on information from our website

8. Indemnification

You agree to indemnify, defend, and hold harmless FinMango and its directors, officers, employees, volunteers, and partners from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with your access to or use of our website or services, your violation of these Terms, or your violation of any rights of another party.

Third-Party Links and Services

Our website may contain links to third-party websites, resources, or services that are not owned or controlled by FinMango. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that FinMango shall not be responsible or liable for any damage or loss caused by your use of any third-party websites or services.

Donations and Financial Contributions

Tax Deductibility

As a 501(c)(3) nonprofit organization, donations to FinMango may be tax-deductible to the extent permitted by law. We will provide appropriate documentation for your tax records. However, we recommend consulting with a tax professional regarding the deductibility of your specific contribution.

Donation Processing

Donations are processed through secure third-party payment processors. By making a donation, you agree to the terms and policies of those payment processors. All donations are final and non-refundable unless required by law or at the sole discretion of FinMango.

Use of Donations

Donations are used to support FinMango's mission, programs, and operations. While we honor donor intent where specified, FinMango retains discretion over the allocation of funds to best serve our mission and organizational needs.

Privacy and Data Protection

Your use of our website is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. By using our website, you consent to our privacy practices as described in the Privacy Policy.

Modifications to Services and Terms

Changes to Our Services

We reserve the right to modify, suspend, or discontinue any aspect of our website or services at any time without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuance of our services.

Changes to Terms

We may revise these Terms from time to time. The most current version will always be posted on our website. By continuing to access or use our website after revisions become effective, you agree to be bound by the updated Terms. If you do not agree to the new Terms, please stop using our website.

13. Termination

We reserve the right to terminate or suspend your access to our website immediately, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use our website will immediately cease.

Governing Law and Dispute Resolution

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States and the state in which FinMango is incorporated, without regard to conflict of law principles.

Dispute Resolution

Any disputes arising out of or relating to these Terms or your use of our website shall be resolved through good faith negotiation. If a dispute cannot be resolved through negotiation, it shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, or through litigation in the appropriate courts.

15. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

16. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published on our website, constitute the entire agreement between you and FinMango regarding your use of our website and services.

Nonprofit Status and Mission

FinMango operates exclusively for charitable and educational purposes as a 501(c)(3) nonprofit organization. Our programs and services are designed to advance our mission of improving financial health for all, particularly for young adults and vulnerable communities. We are committed to transparency and accountability in all our operations.

18. Accessibility

We are committed to making our website accessible to all users, including those with disabilities. If you experience any accessibility issues with our website, please contact us so we can work to address them.

19. Contact Information

If you have any questions, concerns, or feedback about these Terms, please contact us:

• Email: hello@finmango.org
• Organization: FinMango (501(c)(3) Nonprofit)
• EIN: 81-2543425

20. Acknowledgment

By using our website, you acknowledge that you have read these Terms of Service and agree to be bound by them. If you do not agree to these Terms, you must not use our website or services.