Terms of Use

Last updated: March 26, 2025

StepVat (https://stepvat.com) is an independent digital platform focused on providing reliable content and resources related to personal finance, taxation, budgeting, investment education, and financial planning. By accessing or using this website, you agree to comply with the terms, conditions, and policies described below.

These Terms of Use define the rights and responsibilities of users while interacting with the StepVat website. Use of this site is also subject to our Privacy Policy.

PLEASE READ THESE TERMS CAREFULLY. IF YOU DO NOT AGREE, DO NOT USE STEPVAT OR ANY OF ITS SERVICES.

Article I – User Agreement

1.1 By accessing or using StepVat, you confirm that you accept these Terms of Use and our Privacy Policy in full.
1.2 You affirm that you are at least 18 years old or have the legal capacity in your jurisdiction to accept these terms.
1.3 If you do not meet these criteria or disagree with any part of these terms, you may not use our platform or services.

Article II – Communication

2.1 StepVat offers dedicated channels for questions, suggestions, and technical issues related to the platform.
2.2 You can contact us through our Contact Page or via the relevant email addresses listed there.

Article III – Responsibilities of the Parties

3.1 Users must agree to all sections of these Terms of Use and the Privacy Policy before using or interacting with any content on StepVat.
3.2 The platform may include references or links to external websites for informational purposes.
3.3 Once redirected, users are subject to the terms and privacy policies of those third-party sites. StepVat is not responsible for their content or practices.
3.4 Users are solely responsible for securing their devices, accounts, and internet connection while browsing StepVat.
3.5 StepVat is not liable for technical failures, external attacks, or misuse of the platform that may result in data loss or service interruption.
3.6 We will never request financial information, passwords, or sensitive data through unofficial channels.
3.7 Any suspicious contact or phishing attempt in the name of StepVat should be reported via our official contact page.

Article IV – Prohibited Conduct

Users must not:

  • Engage in illegal or fraudulent activities;
  • Infringe intellectual property rights;
  • Post misleading, harmful, or defamatory content;
  • Attempt to hack, disrupt, or damage the platform;
  • Collect personal data without consent;
  • Use StepVat for spam, scams, or impersonation;
  • Upload viruses, malicious code, or anything that could compromise user security;
  • Violate any local, national, or international law through their use of the platform.

Violation of these rules may result in immediate suspension or permanent removal of user access without prior notice.

Article V – Limitation of Liability and Warranties

StepVat provides its services and content “as is” and “as available,” with no warranties, either express or implied.
We do not guarantee uninterrupted access, complete accuracy, or that all content will be error-free or timely.
To the extent permitted by law, StepVat and its affiliates are not liable for direct or indirect damages resulting from the use of the site, including but not limited to financial loss, business interruption, or lost opportunities.

Article VI – Duration and Legal Period

These Terms remain valid indefinitely. Any legal claim arising from the use of StepVat must be initiated within 90 (ninety) days of the event that caused the dispute.

Article VII – Governing Law and Jurisdiction

These Terms of Use are governed by the applicable laws of the user’s jurisdiction, including financial regulations and consumer protection statutes.
In the event of a legal dispute, jurisdiction will be determined in accordance with the applicable laws.

Article VIII – Intellectual Property

8.1 All original content on StepVat – including articles, graphics, videos, and branding – is protected by copyright and intellectual property laws.
8.2 Reproduction, modification, or redistribution of content without written permission is strictly prohibited.
8.3 StepVat is not liable for user-submitted content or third-party contributions. However, we reserve the right to remove any material that violates legal standards or our Terms of Use.

Article IX – Revisions to the Terms

StepVat reserves the right to modify these Terms of Use, in whole or in part, at any time, without prior notice.
Users are encouraged to review this page periodically. Continued use of the platform after changes implies acceptance of the updated terms.

Article X – Contact

For any questions, concerns, or comments regarding these Terms of Use, please reach out to us at:

📍 https://stepvat.com/contact
📧 Email: [email protected]

Disclaimer

Under no circumstance we will require you to pay in order to release any type of product, including credit cards, loans or any other offer. If this happens, please contact us immediately. Always read the terms and conditions of the service provider you are reaching out to. We make money from advertising and referrals for some but not all products displayed in this website. Everything published here is based on quantitative and qualitative research, and our team strives to be as fair as possible when comparing competing options.

Advertiser Disclosure

We are an independent, objective, advertising-supported content publisher website. In order to support our ability to provide free content to our users, the recommendations that appear on our site might be from companies from which we receive affiliate compensation. Such compensation may impact how, where and in which order offers appear on our site. Other factors such as our own proprietary algorithms and first party data may also affect how and where products/offers are placed. We do not include all currently available financial or credit offers in the market in our website.

Editorial Note

Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved, or otherwise endorsed by any of the entities included within the post. That said, the compensation we receive from our affiliate partners does not influence the recommendations or advice our team of writers provides in our articles or otherwise impact any of the content on this website. While we work hard to provide accurate and up to date information that we believe our users will find relevant, we cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof.