Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms") govern your access to and use of the fincountries website located at fincountries.com (the "Site"), operated by fincountries ("we", "us", "our"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree to these Terms, do not use the Site.

2. Description of Service

fincountries is a free, publicly accessible informational resource that compiles and presents data about financial literacy rates, financial education programs, and related socioeconomic indicators across countries worldwide. The Site does not charge users any fees, sell products, or provide professional services of any kind.

3. No Financial Advice

The content published on this Site is provided strictly for general informational and educational purposes. Nothing on this Site constitutes financial advice, investment advice, trading advice, legal advice, tax advice, or any other form of professional advice.

We are not a licensed financial adviser, broker, dealer, investment adviser, or any regulated financial professional. You should not rely on information from this Site when making financial, investment, or legal decisions. Always consult a qualified professional before making decisions of this nature.

4. Accuracy of Information

We strive to ensure that the information presented on the Site is accurate and up to date. However, financial literacy statistics and policy information change over time, and we cannot guarantee the completeness, accuracy, or timeliness of any content on the Site.

Data is sourced from publicly available third-party reports and surveys (including the OECD/INFE, S&P Global Financial Literacy Survey, and World Bank publications). We are not responsible for errors or omissions in source data.

If you believe any information on the Site is inaccurate, please contact us and we will investigate.

5. Permitted Use

You may access and use the Site for personal, non-commercial, informational purposes. You may share links to pages on the Site. You may quote limited extracts of content for educational or journalistic purposes, provided you clearly attribute the content to fincountries.com and include a link to the original page.

6. Prohibited Conduct

When using the Site, you agree not to:

• Copy, reproduce, or redistribute substantial portions of Site content without prior written permission.
• Use automated tools, scrapers, or bots to extract data from the Site at scale.
• Use the Site to distribute spam, malware, or any malicious content.
• Attempt to gain unauthorised access to any part of the Site or its infrastructure.
• Use the Site in any way that violates applicable local, national, or international laws.
• Misrepresent the source of information obtained from this Site.

7. Intellectual Property

The Site's original content, design, layout, and branding — including the fincountries name and logo — are the intellectual property of fincountries and are protected by applicable copyright and trademark laws.

Statistical data and factual information sourced from third-party organisations (OECD, S&P, World Bank, etc.) are the property of their respective owners and are used in accordance with their publication and licensing terms.

Unsplash photographs used on the Site are licensed under the Unsplash License.

8. Third-Party Links

The Site may contain links to external websites operated by third parties. These links are provided for your convenience and information only. We do not endorse, control, or take responsibility for the content, privacy practices, or availability of any third-party site. Accessing external links is at your own risk.

9. Disclaimer of Warranties

THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, OR NON-INFRINGEMENT.

We do not warrant that the Site will be uninterrupted, error-free, or free from viruses or other harmful components.

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, FINCOUNTRIES AND ITS OPERATORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SITE OR RELIANCE ON ANY CONTENT PUBLISHED ON THE SITE.

This limitation applies regardless of the legal theory on which the claim is based, even if we have been advised of the possibility of such damages.

11. Indemnification

You agree to indemnify, defend, and hold harmless fincountries and its operators from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in connection with your use of the Site, your violation of these Terms, or your violation of any rights of a third party.

12. Governing Law

These Terms are governed by and construed in accordance with applicable law. Any disputes arising from your use of the Site shall be subject to the exclusive jurisdiction of the competent courts in the jurisdiction in which fincountries operates. If you access the Site from outside this jurisdiction, you are responsible for compliance with local laws.

13. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of the Site after any changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

14. Contact

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