Effective Date: February 6, 2025
Last Updated: July 13, 2025
Welcome to Novozora (“we,” “our,” or “us”). By accessing, browsing, or using our website https://novozora.com (referred to as the “Website” or “Platform”), you agree to be bound by the following Terms and Conditions. These terms govern your use of the Website and its content, including all articles, resources, tools, and features we provide.
If you do not agree with these Terms in full or in part, we kindly ask that you discontinue your use of the Website.
Website Use & Eligibility
Novozora is an educational and informational platform designed to deliver high-quality financial content to a global audience, with a focus on users in the United States. The Website is intended for users aged 13 years or older. By accessing our services, you affirm that you meet this minimum age requirement or have obtained consent from a parent or legal guardian.
Users are expected to use the Website responsibly and agree not to engage in behavior that interferes with the proper functioning or security of the platform. Any misuse, unlawful activity, or attempt to disrupt our services is strictly prohibited.
We reserve the right to limit or terminate access for any user found violating these terms, compromising user safety, or misusing our content or platform features.
Intellectual Property Rights
All original content published on Novozora including but not limited to articles, illustrations, branding elements, downloadable resources, graphics, design elements, and multimedia is protected by copyright, trademark, or other intellectual property rights. Unless otherwise indicated, all intellectual property belongs to Novozora or its content contributors, licensed partners, or affiliates.
You may read and share our content for personal, non-commercial use, provided proper attribution is given and links back to the source are maintained. However, the following actions are strictly prohibited without prior written permission:
- Republishing our content on another website
- Selling, sublicensing, or commercializing our content
- Modifying or duplicating original work
- Using our branding for commercial or deceptive purposes
We actively monitor for content scraping and copyright violations. Violators may be subject to takedown notices or legal action.
Content Accuracy and Editorial Integrity
We strive to ensure the accuracy and reliability of all content published on Novozora. Our editorial team is committed to fact-checking, reviewing, and updating information as necessary. However, we do not guarantee that all information is up-to-date, complete, or applicable to your specific financial situation.
Content provided on this Website is for general informational purposes only and should not be interpreted as financial, legal, or professional advice. We encourage all readers to independently verify any information and consult with licensed professionals before making financial decisions.
Novozora makes no warranties regarding the accuracy, timeliness, or completeness of any content and disclaims liability for errors, omissions, or reliance on published material.
Human-Created Content Only
To maintain editorial integrity and content quality, all published articles on Novozora are created, edited, and reviewed by human writers and financial content experts. We do not publish AI-generated or auto-written content (e.g., via tools like ChatGPT, Bard, or Gemini) without human oversight.
Our commitment to human-written content ensures accuracy, originality, and compliance with ad network requirements, especially for YMYL (Your Money, Your Life) content that affects users’ financial well-being.
No Financial or Legal Advice
While Novozora covers personal finance topics like credit cards, investing, insurance, and wealth planning, we are not a licensed financial institution, fiduciary, legal, or tax advisory service.
All content is intended for educational purposes only and should not be considered a substitute for professional consultation. Before making any major financial decisions, please speak with a certified financial planner (CFP), CPA, or legal advisor.
Use of our Website does not establish a professional-client relationship of any kind.
Third-Party Links & External Content
Our Website may include hyperlinks, recommendations, or embedded content that lead to external websites or services not operated or controlled by Novozora. These may include partner offers, news articles, financial tools, calculators, or other resources.
We do not endorse, manage, or guarantee the accuracy or privacy policies of any third-party websites. Your interactions with external platforms are governed by their own terms and policies, and we recommend reviewing them before use.
Novozora disclaims all liability for any damages, losses, or issues arising from use of third-party content.
Affiliate Links & Advertising Disclosure
Novozora participates in affiliate marketing programs and may include sponsored content or advertising in accordance with FTC guidelines and platform transparency standards.
This means that when you click on certain links or sign up for a product through our site, we may earn a commission at no extra cost to you. Sponsored content and advertisements are clearly disclosed and labeled as such.
Our editorial independence is not influenced by affiliate relationships. We only recommend products, platforms, or services we believe are valuable to our readers.
Limitation of Liability
By using Novozora, you agree that you do so at your own risk. While we strive to maintain a secure and reliable platform, we are not liable for:
- Losses resulting from reliance on our content
- Inaccuracies or errors on the Website
- Interruption of service due to technical issues
- Damage from malware or unauthorized access
- Any indirect, incidental, or consequential damages
Novozora, its team, affiliates, or contributors shall not be held responsible for any outcome resulting from your use of this Website.
Community Conduct & Commenting Standards
We encourage open, respectful discussion across our blog posts and community areas. However, to maintain a safe and inclusive space, users must adhere to the following standards when commenting or submitting content:
- No hate speech, offensive language, or discriminatory remarks
- No personal attacks, threats, or harassment
- No spam, self-promotion, or deceptive advertising
- No posting of misleading, false, or illegal content
We reserve the right to remove or moderate any comment or submission that violates these guidelines or harms the integrity of the community.
Privacy Policy Reference
Please review our full Privacy Policy to understand how we collect, store, and protect your data. By using this Website, you acknowledge and consent to our data practices as outlined there.
Changes to These Terms
We may revise these Terms and Conditions at any time to reflect changes in our services, technology, legal obligations, or user feedback. Updates will be published on this page with a revised effective date.
Continued use of the Website after changes are posted will be considered acceptance of those modifications. We recommend reviewing this page periodically to stay informed.
Contact Us
If you have questions, feedback, or concerns about these Terms and Conditions, please reach out to us:
???? Email: contact.novozora@gmail.com
???? Website: https://novozora.com
We are committed to maintaining transparency, legal compliance, and a positive experience for our community.