Suggestions

Suggestions

Terms and Conditions

Last Updated: May 5, 2026

Welcome to Times Financial (“Times Financial,” the “Site,” “we,” “us,” or “our”). Times Financial is owned and operated by Advertising Services Worldwide LTD. (the “Company”).

By visiting, accessing, browsing, or using this Site, you agree to comply with and be bound by these Terms and Conditions (the “Terms”). If you do not accept these Terms, you should discontinue use of the Site.

1. Agreement to These Terms

These Terms govern your use of Times Financial and all content, materials, features, and services made available through the Site, including articles, commentary, newsletters, reports, data, graphics, tools, layouts, and other editorial or functional elements.

By using the Site, you represent that:

  • you have the legal authority and capacity to agree to these Terms;
  • you will use the Site only in a lawful manner; and
  • you will comply with all applicable laws, regulations, and these Terms when accessing or using the Site.

2. Nature of the Site

Times Financial is an editorial and financial news website that publishes general content related to business, markets, finance, economics, companies, and related subject matter, including news reporting, analysis, summaries, commentary, and opinion.

All content made available on the Site is provided solely for general informational and editorial purposes.

3. No Professional or Financial Advice

Nothing published or made available on Times Financial constitutes, or should be understood as, any of the following:

  • financial advice;
  • investment advice;
  • trading advice;
  • legal advice;
  • tax advice;
  • accounting advice; or
  • any other type of professional advice.

No content on the Site is intended to serve as, or should be relied upon as, a personal recommendation, an invitation, an offer, or a solicitation to purchase, sell, hold, or otherwise transact in any security, investment, or financial instrument.

You remain entirely responsible for your own financial and investment decisions. Before making any financial, legal, tax, trading, or investment decision, you should conduct your own independent due diligence and consult an appropriately qualified professional where necessary.

Your use of the Site does not establish any advisory, fiduciary, brokerage, agency, client, or other professional relationship between you and Times Financial or Advertising Services Worldwide LTD.

4. Editorial Workflow and Use of AI

Times Financial may use artificial intelligence and other automated technologies strictly as part of its editorial workflow. This may include internal support for research, summarization, formatting, structure, headline development, language refinement, and draft preparation.

These tools are used only to assist editorial production. All material published on the Site remains subject to human review, editing, approval, and oversight. Even with that process in place, published material may still contain inaccuracies, omissions, outdated details, or other errors, and we do not guarantee that all content will always be fully accurate, complete, or current.

5. Accuracy and Updating of Content

Financial and market-related information can become outdated quickly. Although we may revise or update Site content from time to time, we are not under any obligation to update, amend, or correct any content on the Site.

We make no representation or guarantee that:

  • any content is accurate, complete, reliable, current, or fit for a specific purpose;
  • market prices, charts, figures, statistics, quotes, or third-party information are free from error or fully up to date; or
  • the Site will always reflect the latest developments affecting markets, regulations, industries, or specific companies.

Any reliance you place on Site content is entirely at your own risk.

6. Disclaimer of Warranties

To the maximum extent allowed by applicable law, the Site and all content, materials, and services available through it are provided on an “as is” and “as available” basis.

Times Financial and Advertising Services Worldwide LTD expressly disclaim all warranties of any kind, whether express or implied, including but not limited to warranties relating to:

  • merchantability;
  • fitness for a particular purpose;
  • non-infringement;
  • title;
  • accuracy;
  • availability;
  • compatibility; and
  • security.

We do not warrant that:

  • the Site will operate without interruption or delay;
  • the Site will always be secure or error-free;
  • the Site will be free from viruses, malware, or harmful code;
  • defects or issues will be corrected; or
  • the Site, its servers, or its content will be free of vulnerabilities or technical faults.

7. Use of the Site at Your Own Risk

You acknowledge and agree that your use of the Site is entirely voluntary and at your sole risk.

You are solely responsible for:

  • assessing the usefulness and risks of any information available on the Site;
  • independently confirming information before relying on it;
  • monitoring your own financial, legal, and tax obligations; and
  • any losses, decisions, or actions arising from your use of, or reliance on, the Site and its content.

8. Intellectual Property

Unless otherwise indicated, all content and materials appearing on Times Financial, including without limitation:

  • articles;
  • written content;
  • graphics;
  • logos;
  • brand assets;
  • layouts;
  • design elements;
  • structure and organization of the Site;
  • editorial compilations;
  • data presentation;
  • images; and
  • original editorial materials,

are owned by, or licensed to, Times Financial and/or Advertising Services Worldwide LTD and are protected by applicable copyright, trademark, database, intellectual property, and unfair competition laws.

You may use the Site only for your personal, non-commercial, and lawful use.

Without our prior written consent, you may not:

  • copy, reproduce, republish, upload, post, display, encode, distribute, translate, or transmit any Site content;
  • alter, adapt, frame, mirror, or create derivative works from Site materials;
  • exploit Site content for commercial purposes;
  • remove any copyright, trademark, or proprietary notices;
  • systematically extract or collect Site data or content;
  • use bots, spiders, scrapers, crawlers, harvesting tools, or other automated methods to access, monitor, or copy the Site;
  • use Site content to develop, train, test, benchmark, or improve artificial intelligence, machine learning systems, or other automated tools without written authorization; or
  • store Site content in any commercial archive, database, or retrieval system.

Reasonable quotation of brief excerpts for lawful reporting, criticism, or commentary may be permitted where proper attribution is given and the use does not misrepresent Times Financial, imply endorsement, or replace the original work.

9. Restricted and Prohibited Uses

You agree not to use the Site in any way that:

  • is unlawful, deceptive, fraudulent, abusive, or misleading;
  • interferes with the operation of the Site, its infrastructure, or related networks;
  • attempts to gain unauthorized access to any portion of the Site or related systems;
  • introduces harmful code, malware, viruses, or other malicious material;
  • impersonates another person or entity;
  • submits false, defamatory, deceptive, or infringing content;
  • threatens, harasses, or violates the rights of others;
  • circumvents security measures or access restrictions;
  • distributes spam, unauthorized promotions, or unsolicited advertising;
  • engages in excessive automated activity, data mining, or harvesting that burdens the Site;
  • misuses any submission, communication, or contact functionality on the Site; or
  • harms or could harm the reputation, integrity, or operation of Times Financial or Advertising Services Worldwide LTD.

10. External Links and Third-Party Materials

The Site may include links to, or references to, third-party websites, services, platforms, publications, market data providers, social media content, company announcements, press releases, products, or other outside resources.

These links and references are provided for convenience or editorial context only.

We do not control, endorse, or accept responsibility for:

  • the content, legality, accuracy, or availability of any third-party site or service;
  • any damage or loss resulting from your use of third-party websites or services; or
  • any statements, products, offers, or representations made by third parties.

The appearance of any third-party name, company, product, security, fund, asset, service, or link on the Site does not imply endorsement, recommendation, approval, partnership, or affiliation unless specifically stated.

11. Third-Party Data and Market Information

Times Financial may publish or cite information obtained from third-party sources, including prices, quotes, performance figures, charts, historical data, analyst commentary, news feeds, company statements, and public filings.

We do not guarantee that third-party information is accurate, complete, current, or free from delay. Such information may be incomplete, revised, corrected after publication, or delayed without notice.

12. User Messages, Materials, and Submissions

If the Site allows users to submit content or communications through forms, comments, submissions, or similar tools, you agree that any material you provide:

  • is lawful;
  • is not fraudulent, abusive, obscene, defamatory, misleading, or infringing;
  • does not violate the rights of any third party; and
  • does not contain malicious code, malware, or unauthorized promotional content.

By submitting material to us, you grant Times Financial and Advertising Services Worldwide LTD a worldwide, non-exclusive, royalty-free, transferable, sublicensable right to use, host, store, reproduce, adapt, publish, translate, distribute, and display that material as reasonably necessary to operate, administer, improve, protect, or promote the Site, subject to applicable law and our editorial discretion.

We reserve the right, but not the obligation, to remove, refuse, edit, or retain submissions at our sole discretion.

13. Sponsored and Promotional Material

Times Financial may, from time to time, publish sponsored material, partner content, commercial features, advertising, branded content, or promotional placements.

Where we consider it appropriate, such material may be identified accordingly. However, we reserve full discretion over formatting, placement, labeling, presentation, and publication decisions, subject to applicable law.

Nothing in these Terms requires us to publish, continue, or maintain any sponsored, partner, or advertising content.

14. Our Reserved Rights

We reserve the right, at any time and without prior notice, to:

  • modify, suspend, limit, or discontinue the Site or any part of it;
  • remove, revise, or decline to publish content;
  • block or limit access by user, device, IP address, or geographic location;
  • investigate suspected misuse of the Site; and
  • take any legal, operational, or technical steps we consider appropriate to protect the Site, our systems, our content, our rights, or third parties.

15. Limitation of Liability

To the fullest extent permitted by law, Times Financial, Advertising Services Worldwide LTD, and their respective directors, officers, owners, employees, contractors, affiliates, licensors, service providers, and representatives shall not be liable for any indirect, direct, incidental, consequential, punitive, special, or exemplary damages of any kind, including but not limited to:

  • loss of profits;
  • trading losses;
  • investment losses;
  • loss of revenue;
  • loss of opportunity;
  • loss of goodwill;
  • loss of data;
  • business interruption; or
  • any other personal or commercial losses,

arising from or related to:

  • your use of, access to, or inability to use the Site;
  • reliance on any content made available through the Site;
  • inaccuracies, omissions, interruptions, or delays;
  • third-party services, links, or data;
  • unauthorized access to systems or data; or
  • actions or decisions taken based on Site content.

If applicable law does not permit certain exclusions or limitations, those exclusions will apply only to the fullest extent legally allowed.

If, despite the foregoing, Times Financial or Advertising Services Worldwide LTD is held liable for any claim connected with the Site, our total aggregate liability shall not exceed the amount, if any, that you paid directly to us for using the Site during the twelve (12) months preceding the event giving rise to the claim.

16. Indemnity

You agree to defend, indemnify, and hold harmless Times Financial, Advertising Services Worldwide LTD, and their respective affiliates, directors, officers, employees, contractors, licensors, and representatives from and against any claims, liabilities, losses, damages, costs, expenses, and legal fees arising out of or relating to:

  • your use or misuse of the Site;
  • your breach of these Terms;
  • your violation of any law or regulation;
  • your infringement of any third-party right, including intellectual property rights; or
  • any material or information you submit through the Site.

17. Privacy and Related Policies

Your use of the Site may also be governed by our Privacy Policy, Cookie Policy, and any other related policies posted on the Site, where applicable. Those policies operate alongside these Terms and govern how certain information may be collected and handled.

18. Suspension and Termination

We may suspend, restrict, or terminate your access to the Site at any time, with or without notice, if we reasonably believe that you have violated these Terms, applicable law, or the rights or interests of Times Financial, Advertising Services Worldwide LTD, or any third party.

Any provisions that by their nature should continue after termination will remain in effect, including provisions relating to disclaimers, intellectual property, limitations of liability, indemnification, and dispute-related matters.

19. Updates to These Terms

We may revise or update these Terms at any time in our sole discretion. Any revised version will become effective upon publication on the Site unless otherwise stated.

Your continued use of the Site after updated Terms are posted constitutes acceptance of the revised Terms.

You are responsible for reviewing this page periodically for any changes.

20. Severability

If any part of these Terms is held to be unlawful, invalid, or unenforceable, that provision will be treated as severed, and the remaining provisions will continue in full force and effect.

21. No Waiver

Any failure or delay by Times Financial or Advertising Services Worldwide LTD to enforce any right, remedy, or provision under these Terms shall not be interpreted as a waiver of that right, remedy, or provision.

22. Entire Agreement

These Terms constitute the entire agreement between you and Times Financial regarding your use of the Site and replace any prior or contemporaneous communications, understandings, or agreements relating to the same subject matter.

23. Contact

If you need to contact us regarding these Terms or the Site, please use the Contact page available on Times Financial.