Terms of Use

Welcome to Koobeng (https://koobeng.com). By accessing and using this website, you agree to comply with the following Terms of Use. We recommend reading this document in full before continuing to browse.

1. Who We Are and Scope of Service

Koobeng is a website operated by MadTech Rocks LLC, dedicated to publishing educational and informational content about personal finance, investing, budgeting, and wealth building. Our goal is to provide quality information that helps users make more informed financial decisions.

The content published on this website is strictly informational and educational in nature. It does not constitute personalised financial, tax, legal, or investment advice. Financial decisions should be made based on your individual circumstances and, when necessary, with the guidance of qualified professionals.

2. Acceptance of Terms

By accessing, browsing, or using any feature of Koobeng, you declare that you have read, understood, and accepted these Terms of Use in full. If you do not agree with any of the provisions set out herein, we ask that you do not use this website.

Continued use of the website after modifications to these terms are published constitutes acceptance of those modifications. The current version will always be available on this page.

3. Rules of Use and User Conduct

When using Koobeng, you agree to:

  • Use the website exclusively for lawful purposes and in accordance with applicable legislation.
  • Not reproduce, distribute, or modify content without prior written authorisation.
  • Not attempt to access restricted areas of the website or interfere with its security systems.
  • Not publish or transmit defamatory, obscene, offensive content or content that infringes third-party rights.
  • Not use bots, scrapers, or other automated means to access the website's content.
  • Not engage in activities that could damage, overload, or impair the website's operation.

We reserve the right to restrict or suspend access for any user who violates these rules, without prior notice.

4. Editorial Content, Links, and Third Parties

Content published on Koobeng reflects the opinion of its authors and editorial team at the time of publication. While we strive to keep information up to date and accurate, we do not guarantee the accuracy, completeness, or currency of all content.

This website may contain links to third-party websites. These links are provided solely as references and for the user's convenience. We have no control over the content, privacy policies, or practices of these external websites and assume no responsibility for them.

Some articles may contain affiliate links. When you make a purchase through these links, we may receive a commission at no additional cost to you. This helps us maintain the website and continue producing free quality content.

5. Intellectual Property

All content published on Koobeng, including but not limited to texts, articles, images, graphics, logos, icons, website design, source code, and software, is protected by applicable intellectual property and copyright laws.

The reproduction, distribution, modification, transmission, or commercial use of any content from this website without prior written authorisation from MadTech Rocks LLC is prohibited. Partial quotation for educational or informational purposes is permitted, provided proper credit is given and a link to the original article is included.

6. Registration, Communications, and Termination

Some website features, such as newsletter subscription, may require you to provide personal information such as your name and email address. You are responsible for providing truthful information and keeping it up to date.

By subscribing to our communications, you agree to receive emails with editorial content, updates, and occasionally promotional information. You may unsubscribe at any time through the link included in each email.

We reserve the right to cancel or suspend accounts of users who violate these terms, publish inappropriate content, or engage in activities that harm the website or other users.

7. Privacy and Data Protection

The collection and processing of your personal data is governed by our Privacy Policy, which forms an integral part of these Terms of Use. We recommend careful reading to understand how we collect, use, and protect your information.

8. Availability, Warranties, and Limitation of Liability

Koobeng is provided "as is" and "as available". We do not guarantee that the website will be available without interruption, free from errors, or that servers will be free from viruses or other harmful components.

To the fullest extent permitted by law, MadTech Rocks LLC, its directors, employees, collaborators, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or special damages resulting from the use or inability to use this website, including but not limited to financial losses resulting from decisions based on published content.

9. Indemnification

You agree to indemnify and hold harmless MadTech Rocks LLC, its directors, employees, and collaborators from any claims, demands, losses, damages, costs, or expenses (including legal fees) arising from your use of the website, violation of these Terms of Use, or infringement of third-party rights.

10. Technical Properties and Security

We use reasonable security measures to protect the integrity of the website and our users' information. However, no system of data transmission or storage on the internet is completely secure. We cannot guarantee the absolute security of data transmitted to or from our website.

It is prohibited to attempt unauthorised access to any system, network, or server related to Koobeng, as well as to engage in any activity that could compromise the security or normal operation of the website.

11. Modifications to These Terms

MadTech Rocks LLC reserves the right to modify, update, or revise these Terms of Use at any time and without prior notice. Modifications will take effect immediately upon publication on this page. It is the user's responsibility to periodically review these terms.

Continued use of the website after the publication of any modification constitutes acceptance of the modified terms.

12. Dispute Resolution

In the event of any controversy or dispute related to the use of this website or these Terms of Use, the parties agree to attempt to resolve it amicably through direct negotiation. If an agreement is not reached within a reasonable timeframe, the dispute shall be submitted to mediation before resorting to judicial proceedings.

13. Governing Law and Jurisdiction

These Terms of Use shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to conflict of law provisions. Any dispute that cannot be resolved through the mechanisms described in the previous section shall be submitted to the exclusive jurisdiction of the competent courts of the State of Delaware.

14. General Provisions

If any provision of these Terms of Use is declared invalid or unenforceable by a competent court, the remaining provisions shall continue in full force and effect. The waiver of any provision of these terms shall not constitute a waiver of any other provision.

These Terms of Use, together with the Privacy Policy, constitute the complete agreement between you and MadTech Rocks LLC regarding the use of Koobeng, and supersede any prior agreement, whether oral or written.

15. Contact

If you have questions, comments, or concerns about these Terms of Use, please do not hesitate to contact us through our Contact page or by sending an email to contact@koobeng.com.

We are committed to responding to your enquiries as promptly as possible and to providing the necessary assistance to resolve any questions related to the use of the website.

16. Supplementary Legal Notice

Koobeng is an informational and educational content website. We are not a financial institution, stockbroker, investment adviser, or entity regulated by financial authorities. We do not carry out financial transactions of any kind.

The opinions expressed in articles represent the views of their respective authors and do not necessarily reflect the official position of MadTech Rocks LLC. Past results mentioned in any content do not guarantee future results.

We strongly recommend consulting a qualified financial professional before making any important investment or financial decision.