Effective Date: January 1st, 2025
Last Updated: January 1st, 2025

Welcome to Affiliate Over 40 (the “Site”). By accessing or using this website and its related content, services, and offerings (collectively, the “Service”), you agree to the following Terms of Service. Please read them carefully.

1. Acceptance of Terms

By accessing, browsing, subscribing to, or using this website in any way, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree with any part of these terms, please do not use the site.

2. Eligibility

This website is intended for users aged 18 and over. By using the site, you represent that you are at least 18 years of age and have the legal capacity to enter into a binding agreement.

3. No Financial or Investment Advice

All content provided on Affiliate Over 40 is for educational and informational purposes only.
We are not financial advisors. The content should not be considered financial, investment, or legal advice. You are encouraged to seek professional advice from licensed financial advisors before making financial decisions.

4. Affiliate Disclosure

Some links on the site are affiliate links. This means we may earn a commission if you purchase through those links, at no extra cost to you. We only recommend products or services that we personally use or believe bring value to our audience.

5. User Responsibilities

When using the Site, you agree to:

• Use the Service only for lawful purposes

• Not copy, reproduce, distribute, or exploit the content for commercial gain

• Not attempt to gain unauthorized access to the site, user accounts, or systems

• Not upload malicious software or harmful code

We reserve the right to restrict access or terminate service for users who violate these terms.

6. Intellectual Property

All content on the site, including text, graphics, videos, and downloadable resources, is the property of Affiliate Over 40 and is protected by copyright, trademark, and other intellectual property laws.

You may view and download content for personal, non-commercial use only. You may not redistribute, modify, or create derivative works without written permission.

7. Payment and Refund Policy (If Applicable)

If you enroll in any paid course, service, or program, payment will be collected through our third-party payment processor. Refund policies (if offered) will be clearly stated on the product or checkout page.

You are responsible for reviewing those terms before purchase.

8. Changes to Content or Services

We reserve the right to modify, update, or discontinue any part of the website or its services at any time, with or without notice.

9. Limitation of Liability

Affiliate Over 40 is not liable for any direct, indirect, incidental, or consequential damages that may result from the use or inability to use the site or its content.

You use this site at your own risk.

10. Indemnification

You agree to indemnify and hold harmless Affiliate Over 40 and its team from any claims, damages, or liabilities resulting from your use of the site or violation of these terms.

11. Third-Party Links

This site may contain links to third-party websites. We are not responsible for the content, privacy practices, or accuracy of information on those external sites.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of The Commonwealth of the Bahamas, without regard to its conflict of laws principles.

13. Updates to These Terms

We may update or revise these Terms from time to time. The updated version will be posted on this page with the “Last Updated” date. Continued use of the site after changes indicates acceptance of the new terms.

14. Contact Us

If you have questions or concerns regarding these Terms, please contact us at: support@affiliateover40.com