Terms and Conditions

Website: https://clivzo.com
Owner: Clivzo

Welcome to Clivzo. These Terms and Conditions (“Terms”) govern your access to and use of our website, including any content, functionality, and services offered on or through https://clivzo.com.

By accessing or using our website, you accept and agree to be bound by these Terms. If you do not agree with them, please do not use our site.


1. Use of the Website

You may use Clivzo only for lawful purposes and in accordance with these Terms. By using the website, you agree:

  • Not to violate any applicable local, national, or international law or regulation.
  • Not to impersonate any person or entity or misrepresent your affiliation with a person or entity.
  • Not to engage in any conduct that restricts or inhibits anyone’s use or enjoyment of the website.
  • Not to interfere with the proper working of the website, including introducing viruses, trojans, or other malicious materials.

We reserve the right to suspend or terminate access to any user who violates these terms.


2. Intellectual Property Rights

All content published on Clivzo—including but not limited to articles, images, graphics, videos, logos, design, and layout—is the property of Clivzo or its content creators and is protected by international copyright and trademark laws.

You may:

  • View and read the content for personal and non-commercial use.
    You may not:
  • Copy, modify, distribute, republish, upload, or transmit any content from Clivzo without our prior written consent.

3. User Contributions

Users may post comments on blog posts. By doing so, you agree that:

  • You own the rights to your comment or have permission to post it.
  • Your comments will not contain unlawful, threatening, abusive, defamatory, obscene, or otherwise objectionable material.
  • You grant Clivzo a non-exclusive, royalty-free, perpetual, irrevocable, and sublicensable right to use, reproduce, and display your comment across the site and associated platforms.

Clivzo is not responsible for the content of user-generated comments but reserves the right to review, moderate, edit, or remove any comment for any reason, at our sole discretion.


4. No Financial Advice Disclaimer

All content on Clivzo is provided for informational and educational purposes only and should not be construed as professional financial advice.

We do not provide investment, legal, accounting, or tax advice. Readers should consult with a licensed financial advisor or relevant professional before making any financial decisions.

Clivzo shall not be held liable for any loss or damage resulting from reliance on the content provided.


5. Affiliate Disclosure

Some of the links on Clivzo may be affiliate links. This means we may earn a commission if you click a link and make a purchase, at no additional cost to you. However, we only recommend products or services that we genuinely believe will be helpful to our readers.


6. Third-Party Services

Clivzo uses third-party services, including:

  • Google Analytics to monitor website traffic.
  • Google to serve advertisements.

By using the site, you acknowledge that these services may collect and process data about you, in accordance with their own privacy policies.

Clivzo is not responsible for any third-party websites linked from our platform. We encourage you to review the terms and privacy policies of any external sites you visit.


7. Limitation of Liability

To the fullest extent permitted by law, Clivzo and its team disclaim all warranties, express or implied, regarding the website and its content. We do not guarantee that:

  • The site will be uninterrupted or error-free.
  • The site or the server that makes it available are free of viruses or other harmful components.
  • The results obtained from the use of the website will be accurate or reliable.

Clivzo will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, our website.


8. Indemnification

You agree to defend, indemnify, and hold harmless Clivzo, its affiliates, and contributors from and against any claims, damages, costs, liabilities, and expenses (including reasonable attorneys’ fees) arising out of:

  • Your use or misuse of the website.
  • Your violation of these Terms.
  • Your infringement of any intellectual property or other rights of any third party.

9. Changes to the Terms

We reserve the right to update or modify these Terms at any time, without prior notice. Changes will be effective immediately upon posting. Your continued use of the site after any modifications constitutes your acceptance of the new Terms.


10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions. Any dispute arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in the U.S.


11. Entire Agreement

These Terms and our Privacy Policy constitute the entire agreement between you and Clivzo with respect to the use of the website and supersede any prior agreements.