Effective Date: October 20, 2025 Last Updated: October 20, 2025
Welcome to ToFinance (the “Website”), located at https://www.tofinance.xyz/. The Website is operated by ToFinance (“we,” “us,” or “our”).
By accessing or using the Website, you agree to be bound by these Terms and Conditions (the “Terms”). If you disagree with any part of the terms, you may not access the Website.
1. Important Financial and Tax Disclaimer
A. Not Professional Advice
The content provided on ToFinance, including articles, geoarbitrage guides, tax discussions (like FEIE or residency), calculators, and investment strategies, is for informational and educational purposes only. We are not licensed financial advisors, accountants, tax professionals, or legal professionals in any country.
B. Tax and Legal Complexity
The tax laws, residency rules, and financial regulations discussed on this Website are complex and subject to change based on your citizenship, time spent in various countries, and the nature of your income (freelance vs. employment). The information is general and cannot account for your specific international situation.
You should not rely solely on the information provided here. You are solely responsible for your tax compliance, visa status, financial decisions, and all legal outcomes in your countries of citizenship and residence. Always consult with a qualified cross-border tax specialist or immigration attorney before implementing any geoarbitrage or tax strategy.
C. No Warranties
We make no representations or warranties as to the accuracy, completeness, suitability, or validity of any information on the Website and will not be liable for any errors, omissions, or delays in this information or any losses, injuries, or damages arising from its display or use.
2. Intellectual Property and Use License
A. Ownership
All content on the Website, including text, logos, course materials (if applicable), and graphics, is the property of ToFinance or its suppliers and is protected by copyright laws.
B. Limited License to You
We grant you a limited, non-exclusive, non-transferable license to access and use the Website content for your personal, non-commercial Coast FIRE planning only. You may not reproduce, duplicate, copy, sell, or exploit any portion of the Website content without our express written permission.
3. User Conduct and Content
A. User Submissions
Any content you submit to the Website (comments, testimonials, forum posts) will be considered non-confidential and non-proprietary. By posting content, you grant us a royalty-free, perpetual, and irrevocable license to use, reproduce, modify, publish, and distribute that material in any media, including promotion of the Website.
B. Prohibited Content and Activity
You agree not to post content that is:
- Harmful, hateful, defamatory, or infringes on the rights of others.
- Misleading or fraudulent (especially concerning financial or tax claims).
- A violation of any local, national, or international law, including immigration and tax laws.
We reserve the right to remove any content or ban users who violate these Terms without notice.
4. Affiliate Links, Advertising, and Services
ToFinance utilizes affiliate links and advertisements to generate revenue that supports the Website’s operations.
- Affiliate Disclosure: We may earn a commission from purchases made through links to third-party travel, investment, or banking services. We strive to only recommend products we believe are genuinely useful to digital nomads, but this compensation does not influence our content and does not increase the price you pay.
- External Services: We are not responsible for the products, services, or privacy practices of any external websites or vendors linked on ToFinance. Any issues, disputes, or warranties must be resolved directly with the third party.
5. Limitation of Liability and Indemnification
A. Limitation of Liability
In no event shall ToFinance, its owner(s), employees, or contributors, be liable for any damages, whether direct, indirect, incidental, special, consequential, or punitive (including but not limited to loss of profits, data, or goodwill), resulting from: (i) your use or inability to use the Website; (ii) any investment or financial decision you make based on Website content; (iii) any tax penalties, visa issues, or legal trouble arising from decisions based on Website content; or (iv) any content obtained from the Website.
B. Indemnification
You agree to indemnify and hold harmless ToFinance and its employees and contributors from and against any and all claims, damages, losses, liabilities, costs, or debt (including attorney’s fees) arising from: (i) your use of and access to the Website; (ii) your violation of these Terms; or (iii) your violation of any third-party right.
6. Governing Law and Severability
These Terms shall be governed and construed in accordance with the laws of [Insert Your State/Country Here], without regard to its conflict of law provisions.
Given the global nature of your audience, you agree that any legal action or proceeding related to the Website shall be brought exclusively in the courts located in [Insert Your State/Country Here].
If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions of these Terms will remain in effect.
7. Changes to Terms and Contact
A. Changes
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. We will post the revised date at the top of this page. By continuing to access or use our Website after those revisions become effective, you agree to be bound by the revised terms.
B. Contact Us
If you have any questions about these Terms, please contact us at:
Email: privacy@tofinance.xyz