Terms of Use

Acceptance of These Terms

These Terms of Use govern your access to and use of The Daily Balance (the "Site"), published by [COMPANY NAME]. By visiting or reading the Site, you agree to these terms. If you do not agree, please do not use the Site.

Permitted Use

The Site is provided for personal, non-commercial informational reading. You agree not to misuse the Site, including by attempting to gain unauthorized access, interfering with its operation, scraping content at scale, republishing our material commercially, or using automated systems in a way that places unreasonable load on our infrastructure.

Intellectual Property

All content on the Site — including text, article layouts, photography, illustrations, and the The Daily Balance name and wordmark — is owned by [COMPANY NAME] or licensed to us and is protected by United States and international intellectual property law. You may quote short excerpts for non-commercial purposes with clear attribution and a reference to the Site. Any other reproduction, distribution, or adaptation requires our prior written permission.

No Warranties

The Site and its content are provided "as is" and "as available" without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We make no warranty that the content is complete, current, or error-free, or that the Site will be uninterrupted or free of technical issues. Content is general information only and is not a substitute for advice from a qualified professional.

Limitation of Liability

To the fullest extent permitted by law, [COMPANY NAME] and its officers, employees, and contributors will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of data, revenue, or goodwill, arising from your access to or use of (or inability to use) the Site or its content. Where liability cannot be excluded, it is limited to the maximum extent permitted by applicable law.

Third-Party Links

The Site may occasionally reference organizations or publications that we do not control. We are not responsible for the content, policies, or practices of any third party, and a reference does not imply endorsement.

Governing Law

These Terms are governed by the laws of the State of [STATE], USA, without regard to its conflict-of-laws rules. You agree that the state and federal courts located in the State of [STATE] will have exclusive jurisdiction over any dispute arising from these Terms or the Site.

Changes to These Terms

We may revise these Terms from time to time. Revisions take effect when posted on this page, and the "last updated" date will change accordingly. Continued use of the Site after changes are posted means you accept the revised Terms.

Contact

Questions about these Terms: hello@thedailybalance.example, or [COMPANY NAME], [BUSINESS ADDRESS].