Welcome to Heatai (“Website,” “we,” “us,” or “our“).

These Terms and Conditions (“Terms“) govern your use of the website located at https://heatai.site/ and all articles, content, resources, and services provided therein.

By accessing or using the Website, you agree to be bound by these Terms and our Privacy Policy (which you should also read). If you disagree with any part of the terms, then you may not access the Website.

1. Acceptance of Terms

By using the Website, you represent and warrant that you have read, understood, and agree to be bound by these Terms.

2. Content and Financial Disclaimer

This is the most critical section for a finance/wealth management website:

a. Informational Purposes Only: The content, articles, tools, and information provided on the Website are for general informational and educational purposes only.

b. Not Financial Advice: The content on this Website is NOT intended to be, and should not be construed as, financial, investment, legal, or tax advice. We are not a financial advisory firm, broker, or legal service. You should always consult with a qualified financial or tax professional before making any investment or financial decisions.

c. No Professional-Client Relationship: Your use of the Website does not create a professional advisor-client relationship between you and Heatai, or any of its writers or contributors.

d. Accuracy of Information: While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the content. Any reliance you place on the information is strictly at your own risk.

e. Investment Risk: Financial markets are subject to risk. Past performance is not indicative of future results. You acknowledge that any investments or strategies mentioned may result in a loss of capital.

3. Intellectual Property Rights

a. Ownership: Unless otherwise indicated, the Website and all content, articles, features, and functionality (including but not limited to all text, graphics, logos, and the link https://birdfly.site/, if it is a property of Heatai) are owned by Heatai and are protected by copyright and intellectual property laws.

b. Limited License: You are granted a limited, non-exclusive, non-transferable license to access and use the Website and the content for your personal, non-commercial use only.

c. Prohibited Uses: You must not copy, reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the content without our prior written consent.

4. User Obligations

You agree not to use the Website: a. In any way that violates any applicable national or international law or regulation. b. To transmit any advertising or promotional material, including any “junk mail,” “chain letter,” “spam,” or any other similar solicitation, particularly in comment sections. c. To impersonate or attempt to impersonate Heatai, an employee, another user, or any other person or entity. d. To engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the Website, or which, as determined by us, may harm the Website or users.

5. Third-Party Links and Websites

The Website may contain links to third-party websites or services (including the link https://birdfly.site/, if not an internal page). We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. We encourage you to read the terms and conditions and privacy policies of any third-party websites you visit.

6. Google AdSense Policy Compliance (Advertising)

a. Third-Party Advertising: The Website may display advertisements served by Google AdSense and other third-party advertising networks. You acknowledge and agree that these networks may use cookies to serve ads based on your prior visits to the Website and other sites.

b. AdSense Policies: By using this Website, you agree to comply with Google’s AdSense Program Policies and all applicable laws and regulations regarding online advertising. We strive to ensure that all ads displayed are non-intrusive and clearly distinguishable from editorial content.

c. User Interaction: You agree not to click on ads for reasons other than genuine interest in the advertised goods or services. Any automated, deceptive, or non-genuine methods to generate clicks or impressions are strictly prohibited.

7. Privacy Policy

Your use of the Website is also governed by our Privacy Policy, which details how we collect, use, and protect your personal information, including the email address you provided (fhuyrcfs@gmail.com), and how we comply with data protection regulations.

8. Termination

We may terminate or suspend your access to the Website immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

9. Indemnification

You agree to defend, indemnify, and hold harmless Heatai and its respective employees, contractors, agents, officers, and directors from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt arising from: (i) your use of and access to the Website; (ii) your violation of any term of these Terms; or (iii) your violation of any third-party right, including without limitation any intellectual property or privacy right.

10. Governing Law

These Terms shall be governed and construed in accordance with the laws of [Insert Your Country/State/Province], without regard to its conflict of law provisions.

11. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. We will try to provide at least 30 days’ notice before any new terms take effect. By continuing to access or use our Website after those revisions become effective, you agree to be bound by the revised terms.

12. Contact Information

If you have any questions about these Terms and Conditions, please contact us at:

Next Steps for You:

  1. Replace the placeholders: [Insert Your Country/State/Province] with your actual jurisdiction.
  2. Add a Privacy Policy: You must also have a separate, compliant Privacy Policy page that is linked to from the Terms, as required by AdSense and privacy laws (e.g., GDPR, CCPA).
  3. Consult Legal Counsel: Have an attorney review the document to ensure full legal compliance, especially concerning financial disclaimers in your region.
  4. Publish and Link: Publish both the Terms and the Privacy Policy on your website and link to them clearly in your website’s footer.