Terms of Service
Last updated: September 29, 2026
These Terms of Service (“Terms”) govern your use of thefinancetech.com (the “Site”), operated by Buffalo Coast Media. By using the Site, you agree to these Terms. If you do not agree, please do not use the Site.
Educational use only
All content on the Site is for general education. It is not financial, investment, tax, legal, or medical advice. See our Disclaimer for the full explanation.
No financial or investment advice
Nothing on the Site is financial, investment, tax, or legal advice, a recommendation, or a solicitation to buy or sell any security or financial product. Buffalo Coast Media is not a registered investment adviser or broker-dealer. All investing carries risk, including the loss of principal, and past performance does not guarantee future results. You use the information at your own risk and are solely responsible for your own financial decisions. See our Disclaimer for the full explanation.
Intellectual property
The content on this Site, including text, graphics, logos, and images, belongs to Buffalo Coast Media or its licensors and is protected by copyright and trademark law. You may read our content and share links to it, but you may not copy, republish, or sell it without our written permission.
Acceptable use
When you use the Site, you agree not to:
- Break any law or infringe anyone’s rights.
- Attempt to disrupt, hack, or overload the Site.
- Scrape or copy content for commercial use without permission.
Third-party links and affiliates
The Site links to other websites and may contain affiliate links. We are not responsible for the content or practices of sites we link to. See our Affiliate Disclosure for details on our affiliate relationships.
No warranties
The Site is provided “as is” and “as available.” To the fullest extent the law allows, we make no warranties about its accuracy, reliability, or availability.
Limitation of liability
To the fullest extent permitted by law, Buffalo Coast Media, together with its owners, staff, vendors, and service providers (collectively “we” or “us” in this section and in the Dispute resolution and Data collection sections), will not be liable for any indirect, incidental, special, consequential, or punitive damages, for lost profits, revenue, data, or goodwill, or for any financial or investment loss, that arise from your use of the Site, your inability to use it, or any decision you make based on its content. This applies to every theory of liability. Our combined liability for all claims connected with the Site is limited to the greater of (a) the amount you paid us for the Site in the six months before the claim arose, or (b) one hundred U.S. dollars ($100).
Indemnification
You agree to hold Buffalo Coast Media harmless from any claim or cost that arises from your misuse of the Site or your violation of these Terms.
Governing law
These Terms are governed by the laws of the State of Florida, without regard to its conflict of law rules. Disputes are resolved under the Dispute resolution section below. Any proceeding that is not subject to arbitration must be brought in the state or federal courts located in Miami-Dade County, Florida.
Dispute resolution
This section sets out how disputes between you and us are resolved. It includes an agreement to arbitrate and a waiver of class actions.
Notice and informal resolution. A party with a claim must first send written notice to Buffalo Coast Media, 407 Lincoln Rd, Suite 6H PMB 1076, Miami Beach, FL 33139. The notice must state your name and contact information, the facts and dates of the claim, its legal basis, and the relief requested. The parties will work in good faith to resolve the claim for thirty (30) days. After that period, either party may commence arbitration.
Agreement to arbitrate. All disputes and claims relating to the Site, these Terms, or your relationship with us will be resolved by binding arbitration conducted on an individual basis, not in court. This does not prevent either party from (1) bringing an eligible claim in small claims court, so long as it remains there as an individual action, or (2) seeking a court order against infringement or misuse of intellectual property. A claim must be commenced within one (1) year after the dispute arises or it is permanently barred. This agreement applies to claims that arose before its effective date.
Administrator and rules. JAMS will administer the arbitration under its rules in effect at the time of filing. The JAMS Streamlined Arbitration Rules apply where claims and counterclaims are under $250,000, exclusive of attorneys’ fees and interest. The JAMS Comprehensive Arbitration Rules apply otherwise. Both are available at jamsadr.com or from JAMS at 800-352-5267. If JAMS cannot administer the matter, the parties will select another provider. You may elect a remote hearing, a decision on written submissions, or an in-person hearing at a mutually agreed location. Judgment on the award may be entered in any court of competent jurisdiction. The Federal Arbitration Act governs this section.
Fees and costs. We will pay the JAMS filing, administrative, and hearing fees if the arbitrator finds you are unable to pay them and JAMS declines to waive them. If the arbitrator finds a claim to be frivolous, you will reimburse our reasonable attorneys’ fees and costs to the extent permitted by law.
Authority of the arbitrator. The arbitrator, rather than any court, has exclusive authority over questions of interpretation, applicability, enforceability, and formation of this section. The arbitrator may award any individual relief available in court and will issue a reasoned written decision, which is final and binding.
Waiver of jury trial and class actions. Each party waives the right to a jury trial and to litigate in court, except as provided above. Claims may be brought only in an individual capacity. Class, collective, representative, and private attorney general actions are not permitted, and the arbitrator may not consolidate the claims of more than one person except as provided under Mass filings below. If this waiver is held unenforceable for a given claim, that claim will proceed in court and the remainder of this section will continue to apply.
Mass filings. If fifty (50) or more similar demands for arbitration are filed against us within a period of approximately thirty (30) days, JAMS will administer them as a single consolidated arbitration before one arbitrator, subject to one set of fees and one schedule. If the arbitrator determines that a single proceeding is impractical or inequitable, the demands may be organized into batches of at least twenty (20), each resolved as one arbitration. Demands are similar if they arise from the same events, agreement, or facts and present similar legal issues and requested relief. If the number of similar demands meets the threshold stated in the JAMS Mass Arbitration Procedures and Guidelines, those Procedures and the JAMS Mass Arbitration Procedures Fee Schedule, as in effect at that time, will apply in addition to this paragraph. If the American Arbitration Association administers the demands, the AAA Mass Arbitration Supplementary Rules and its fee schedule for mass arbitrations will apply instead. Nothing here permits class or collective arbitration.
Severability, survival, and amendment. If any portion of this section is found invalid or unenforceable, that portion will be severed and the rest will remain in effect. This section survives the end of your use of the Site. Any material amendment to it will not apply to a claim for which you had already given us written notice.
Right to opt out. You may opt out of the agreement to arbitrate by emailing hello@buffalocoastmedia.com with the subject line “Arbitration Opt-Out” within thirty (30) days after you first become subject to it, or after any material amendment. State your name, the email address associated with your use of the Site (if any), and that you are opting out. If you opt out, the arbitration, jury waiver, and class action provisions will not apply to you or to us. All other Terms remain in effect.
Data collection
Our Privacy Policy forms part of these Terms. It explains how we, our vendors, and our service providers collect and use information when you use the Site. Collection takes place through cookies and similar identifiers, tags and pixels, analytics and measurement services, and the technologies our advertising partners use to serve and measure ads. By using the Site, you consent to that collection and use as described in the Privacy Policy and the policies it links to. You may withdraw consent at any time through our Your Privacy Choices page or the opt-out instructions in the Privacy Policy.
Changes to these Terms
We may update these Terms from time to time. The date at the top shows when they last changed. If you keep using the Site, you accept the updated Terms.
Contact
Questions about these Terms? Email hello@buffalocoastmedia.com, or write to us at Buffalo Coast Media, 407 Lincoln Rd, Suite 6H PMB 1076, Miami Beach, FL 33139, United States.