Terms of Service: Important Website Rules & Guidelines

Effective Date: September 1, 2026
Last Updated: September 1, 2026

These Terms of Service govern your access to and use of The AJ Times (“The AJ Times,” “we,” “us,” or “our”), including its website, articles, guides, calculators, newsletters, educational resources, commentary, and other content or services made available through the Website.

By accessing or using the Website, you acknowledge that you have read, understood, and agreed to these Terms. If you do not agree with these Terms, please do not use the Website.

These Terms apply to visitors and users accessing the Website from the United States, United Kingdom, Canada, Australia, and other jurisdictions where the Website may be available.

Terms of Service Overview

These Terms of Service explain the rules and conditions that apply when you access or use The AJ Times, including its personal finance and investing content, educational resources, calculators, links, and other Website features.

1. About The AJ Times

The AJ Times is a personal finance and investing information website providing educational and informational content relating to topics such as:

Personal finance
Investing
Stocks and equities
Exchange-traded funds (ETFs)
Index funds
Mutual funds
Portfolio strategies
Retirement planning concepts
Asset allocation
Wealth building
Financial markets
Financial terminology
Investment research concepts
Financial calculators and educational tools

Our goal is to make financial concepts easier to understand and help readers conduct their own research and make more informed financial decisions.

The Website is intended primarily as an educational and informational resource.

2. Not Financial, Investment, Tax, or Legal Advice

The content published on The AJ Times is provided for general informational and educational purposes only.

Nothing on this Website should be interpreted as:

Personalized financial advice
Investment advice
Investment recommendations
A recommendation to buy, sell, or hold any security
A solicitation or offer to purchase securities
A recommendation regarding a particular investment strategy
Tax advice
Legal advice
Accounting advice
Insurance advice
Retirement advice tailored to your personal circumstances
A substitute for advice from a qualified professional

Your financial circumstances, objectives, risk tolerance, tax situation, investment horizon, and other factors are unique.

You should consider obtaining advice from an appropriately qualified and regulated professional before making significant financial, investment, tax, legal, retirement, or other financial decisions.

For U.S. readers, investment advisers generally have specific regulatory obligations and registration requirements depending on their activities and circumstances.

3. No Personalized Recommendations

The AJ Times does not provide individualized investment recommendations based on your personal circumstances through the Website.

References to particular:

Stocks
ETFs
Mutual funds
Index funds
Companies
Securities
Asset classes
Brokers
Financial products
Investment strategies

are provided for informational or educational purposes unless expressly stated otherwise.

You are responsible for conducting your own research and determining whether an investment is appropriate for your circumstances.

Never make an investment decision solely because of information published on The AJ Times.

Investors should independently research investments and evaluate relevant risks before investing.

4. Investment Risk

Investing involves risk.

The value of investments can increase or decrease, and you may lose some or all of the money you invest.

Past performance does not guarantee or necessarily indicate future results.

Nothing published on The AJ Times guarantees:

Investment profits
Specific investment returns
Future market performance
Preservation of capital
Financial independence
Retirement outcomes
A particular level of income
Any specific investment result

Examples, projections, calculations, historical returns, hypothetical scenarios, and case studies are provided for educational purposes and should not be interpreted as promises or forecasts of future performance.

You should never invest money you cannot afford to lose.

For additional investor-education information, readers may consult the U.S. Securities and Exchange Commission’s investor education resources at Investor.gov.

5. Accuracy of Information

We make reasonable efforts to provide information that is useful, accurate, and current.

However, financial markets, regulations, tax rules, interest rates, economic conditions, company information, product offerings, and other financial information can change quickly.

Accordingly, we do not guarantee that:

All information is complete;
All information is current;
All information is accurate;
Information will remain accurate after publication;
Errors or omissions will never occur;
Third-party information is accurate;
Calculations will be error-free; or
Information will be suitable for your particular circumstances.

You should verify important information with primary sources and qualified professionals before relying on it.

6. No Guarantee of Results

The AJ Times does not guarantee that using the Website or following information contained on the Website will result in:

Increased wealth;
Investment profits;
Reduced debt;
Successful retirement planning;
Financial independence;
Higher investment returns;
Improved financial circumstances; or
Any particular financial outcome.

Individual results vary significantly.

Financial decisions involve uncertainty, and you remain solely responsible for your decisions and their consequences.

7. Financial Calculators and Tools

The AJ Times may provide calculators and other financial tools, including calculators for:

Compound interest
Investment returns
Retirement planning
Asset allocation
Inflation
Financial independence
Other financial calculations

These tools are provided for general educational and illustrative purposes only.

Calculator results may depend on assumptions and inputs supplied by the user.

Results should not be considered financial, investment, tax, retirement, or legal advice.

Actual results may differ substantially from calculator estimates because of factors such as:

Market performance
Taxes
Fees
Inflation
Contributions
Withdrawals
Interest rates
Investment expenses
Timing
Changes in legislation
Changes in personal circumstances

You should verify important calculations independently before making financial decisions.

8. Third-Party Websites and Links

The Website may contain links to third-party websites, services, products, financial institutions, brokers, publishers, tools, or other resources.

These links are provided for convenience and informational purposes.

The AJ Times does not control and is not responsible for:

Third-party websites;
Their content;
Their privacy practices;
Their security;
Their availability;
Their accuracy;
Their products or services;
Their terms and conditions; or
Their business practices.

Your use of third-party websites is subject to the terms and policies of those third parties.

You should review the applicable terms, privacy policies, fees, risks, and disclosures before using any third-party service.

9. Affiliate Links and Compensation

The AJ Times may participate in affiliate marketing programs.

This means we may receive compensation, commission, referral fees, or other consideration when you click certain links or purchase products or services through qualifying links.

Affiliate relationships do not guarantee that a product or service is appropriate for you.

Where applicable, affiliate relationships are disclosed in our Affiliate Disclosure.

Readers should independently evaluate products, services, companies, and financial products before making a purchase or financial decision.

Financial websites and investment publications can sometimes receive compensation for promotional content, making disclosure and independent research particularly important.

10. Advertising

The Website may display advertisements provided by third-party advertising networks or advertising partners.

Advertisements may be selected or delivered based on various factors, including content, browsing activity, interests, location, or other permitted information.

The presence of an advertisement does not constitute an endorsement or recommendation by The AJ Times.

We are not responsible for the products, services, claims, or practices of advertisers.

11. Editorial Independence

The AJ Times aims to provide independent educational and informational content.

We strive to distinguish editorial content from advertising, sponsorships, and affiliate relationships.

Where applicable, commercial relationships or material conflicts of interest will be disclosed in accordance with our editorial and disclosure policies.

Readers should not assume that publication of an article constitutes an endorsement of a particular investment, company, financial product, or service.

12. User-Submitted Content

If the Website allows you to submit comments, feedback, reviews, questions, or other content (“User Content”), you are responsible for the content you submit.

You agree not to submit content that:

Is unlawful;
Is fraudulent or misleading;
Violates another person’s rights;
Contains malicious software;
Contains spam;
Promotes illegal activities;
Contains defamatory material;
Violates intellectual-property rights;
Contains personal or confidential information belonging to another person; or
Otherwise violates these Terms.

By submitting User Content, you grant The AJ Times a non-exclusive, worldwide, royalty-free license to use, reproduce, modify, publish, display, and distribute that content in connection with operating and promoting the Website, subject to applicable law.

We reserve the right to remove User Content at our discretion.

13. Prohibited Uses

You agree not to use the Website to:

Violate any applicable law or regulation;
Attempt unauthorized access to the Website;
Interfere with Website security;
Introduce malware, viruses, or malicious code;
Scrape or automatically collect Website content in violation of applicable law or our stated policies;
Copy or reproduce substantial portions of Website content without permission;
Impersonate another person or organization;
Use the Website for fraudulent purposes;
Attempt to disrupt Website functionality;
Circumvent security or access restrictions; or
Use Website content to engage in unlawful financial activity.

14. Intellectual Property

Unless otherwise stated, the Website and its original content are owned by or licensed to The AJ Times.

This may include:

Articles
Text
Graphics
Logos
Images
Website design
Layout
Branding
Original illustrations
Charts
Calculators
Software
Other original materials

These materials are protected by applicable intellectual-property laws.

You may access and use the Website for personal, non-commercial purposes.

You may not reproduce, republish, distribute, modify, sell, license, or commercially exploit substantial portions of Website content without prior written permission, except where permitted by applicable law.

15. Copyright Complaints

If you believe content published on The AJ Times infringes your copyright, please contact us with sufficient information to identify:

The copyrighted work;
The allegedly infringing material;
The location of the material on the Website;
Your contact information;
A statement that you believe the use is unauthorized; and
Any other information reasonably necessary for us to investigate the complaint.

We may investigate legitimate copyright complaints and take appropriate action under applicable law.

16. Website Availability

We attempt to keep the Website available and functioning properly.

However, we do not guarantee uninterrupted or error-free access.

The Website may occasionally be unavailable because of:

Maintenance;
Updates;
Hosting issues;
Technical problems;
Security incidents;
Network failures;
Third-party service interruptions; or
Circumstances beyond our reasonable control.

We reserve the right to modify, suspend, or discontinue any portion of the Website without notice where permitted by law.

17. Security

We take reasonable measures intended to protect the Website and its users.

However, no website, internet transmission, or electronic storage system can be guaranteed to be completely secure.

You use the Website at your own risk.

18. Limitation of Liability

To the maximum extent permitted by applicable law, The AJ Times and its owners, operators, authors, contributors, affiliates, service providers, and representatives will not be liable for any direct, indirect, incidental, consequential, special, exemplary, or other damages arising from or related to:

Your use of the Website;
Your inability to use the Website;
Reliance on Website content;
Investment decisions;
Financial losses;
Trading losses;
Loss of profits;
Loss of data;
Third-party websites;
Third-party products or services;
Errors or omissions in content; or
Any other matter relating to the Website.

Nothing in these Terms is intended to exclude or limit liability that cannot legally be excluded or limited under applicable law.

19. No Waiver of Consumer Rights

Nothing in these Terms is intended to remove, restrict, or waive any consumer rights or legal protections that cannot lawfully be excluded under the laws applicable to you.

If a limitation or exclusion in these Terms is found to be unenforceable in your jurisdiction, that provision will be interpreted or modified only to the extent necessary to comply with applicable law.

20. Indemnification

To the maximum extent permitted by applicable law, you agree to indemnify and hold harmless The AJ Times, its owners, operators, authors, contributors, affiliates, contractors, and service providers from claims, liabilities, damages, losses, costs, and expenses arising from:

Your violation of these Terms;
Your misuse of the Website;
Your violation of another person’s rights;
Your unlawful conduct; or
Your User Content.

This provision does not apply to the extent that applicable law prohibits such indemnification.

21. Privacy

Your use of the Website may involve the collection and processing of information.

Our handling of personal information is described in our Privacy Policy.

By using the Website, you acknowledge that you have reviewed our Privacy Policy.

22. Cookies and Tracking Technologies

The Website may use cookies, analytics technologies, advertising technologies, and similar tools.

These technologies may be used for purposes such as:

Website functionality;
Analytics;
Performance monitoring;
Personalization;
Advertising;
Security; and
Understanding how visitors use the Website.

Additional information is available in our Privacy Policy and any applicable cookie disclosures.

23. Email and Newsletter Communications

If you subscribe to a newsletter or other email communication from The AJ Times, you may receive:

New articles;
Investing education;
Personal finance information;
Market-related educational content;
Website updates;
Promotional communications; and
Other information related to our services.

You may unsubscribe from promotional emails by using the unsubscribe mechanism provided in the communication.

24. Changes to the Website

We may add, remove, modify, or update Website content at any time.

Financial information may become outdated because markets, companies, regulations, tax rules, and economic conditions change.

An article’s publication date or update date does not guarantee that every piece of information contained in the article remains current.

25. Changes to These Terms

We may update these Terms of Service from time to time.

When we make changes, we may update the “Last Updated” date at the top of this page.

Your continued use of the Website after updated Terms become effective constitutes acceptance of the revised Terms, to the extent permitted by applicable law.

We encourage you to review this page periodically.

26. Termination

We may restrict, suspend, or terminate access to the Website where appropriate, including where we reasonably believe that a user has violated these Terms of Service or applicable law.

Sections that by their nature should survive termination will continue to apply, including provisions concerning intellectual property, disclaimers, limitations of liability, indemnification, and applicable law.

27. Governing Law

These Terms will be governed by the laws applicable to The AJ Times and its operating entity, except to the extent that applicable consumer-protection laws require the laws of your jurisdiction to apply.

Nothing in these Terms is intended to deprive consumers of mandatory protections available under the laws of their country, state, province, or territory.

If you are located in the United States, United Kingdom, Canada, Australia, or another jurisdiction with mandatory consumer protections, those protections may continue to apply regardless of any conflicting provision in these Terms.

28. Dispute Resolution

If you have a dispute concerning the Website or these Terms of Service, we encourage you to contact us first so that we can attempt to resolve the matter informally.

Where permitted by applicable law, you agree to first provide us with a reasonable opportunity to investigate and respond to the dispute.

Nothing in this section prevents you from exercising mandatory statutory rights or remedies that cannot legally be waived.

29. Severability

If any provision of these Terms is determined to be invalid, unlawful, or unenforceable, the remaining provisions will continue to apply to the fullest extent permitted by law.

The invalid or unenforceable provision will be modified or interpreted to the minimum extent necessary to make it enforceable where legally permitted.

30. Entire Agreement

These Terms of Service, together with our Privacy Policy, Disclaimer, Affiliate Disclosure, Editorial Policy, and other applicable Website policies, constitute the agreement governing your use of the Website, except where additional terms expressly apply.

31. No Professional Relationship

Your use of The AJ Times does not create:

An investment-adviser relationship;
Financial-planner relationship;
Fiduciary relationship;
Attorney-client relationship;
Accountant-client relationship;
Tax-adviser relationship;
Broker-client relationship; or
Any other professional advisory relationship.

Information published on the Website is general educational information and is not tailored to your individual circumstances.

32. Third-Party Financial Products and Services

The Website may discuss or reference financial products and services offered by third parties.

Such references do not necessarily constitute endorsements.

Before purchasing or using a financial product or service, you should independently review:

Fees;
Expenses;
Risks;
Terms;
Eligibility requirements;
Regulatory status;
Historical information;
Current disclosures; and
Whether the product is appropriate for your circumstances.

For investments, consider using authoritative regulatory and company disclosures when conducting due diligence. U.S. investors, for example, can use SEC resources such as EDGAR to research companies and investment offerings.

33. Market Data and Financial Information

Any market prices, financial figures, statistics, charts, historical data, or other financial information displayed on the Website may come from third-party sources.

Such information may be delayed, incomplete, inaccurate, or subject to change.

The AJ Times does not guarantee the accuracy, completeness, timeliness, or reliability of market data or financial information obtained from third parties.

You should verify important market information through authoritative sources before making trading or investment decisions.

34. International Users

The AJ Times may be accessible internationally.

Readers should consult the appropriate financial regulator in their jurisdiction for current regulatory information. For example, readers may refer to the Financial Conduct Authority (FCA) in the United Kingdom, the Canadian Securities Administrators (CSA) in Canada, and the Australian Securities and Investments Commission (ASIC) in Australia.

However, financial laws, tax rules, investment regulations, consumer protections, and financial products differ between countries.

Information published on the Website may not be appropriate or available for every jurisdiction.

You are responsible for determining whether any information, product, service, or strategy discussed on the Website is legally and practically applicable in your jurisdiction.

35. Children’s Use

The Website is not intended to provide financial services to children.

If you are under the age required to legally use online services in your jurisdiction, you should use the Website only with the involvement of a parent or legal guardian where required by applicable law.

36. Contact Us

If you have questions about these Terms of Service, please contact us through our Contact Us page:

Website: The AJ Times
Domain: theajtimes.com

For legal, copyright, privacy, or other Website-related inquiries, please use the contact information provided on our Contact Us page.

37. Related Policies

For additional information, please review:

These policies work together with these Terms of Service to explain how The AJ Times operates and how its content should be understood.

38. Acceptance of These Terms

By accessing or using theajtimes.com, you acknowledge that you have read and understood these Terms of Service and agree to comply with them.

If you do not agree with these Terms, please discontinue use of the Website.

The AJ Times — Personal Finance & Investing Education