Introduction

Welcome to this website TavorFinance.com/resources (hereinafter: "the Website"), operated by Prof. Tchai Tavor (hereinafter: "the Author").

The primary purpose of this Website is to promote and provide information regarding the Author's book, The 10-15-30 Portfolio (hereinafter: "the Book"), and related educational content concerning economics, investing and financial markets.

By accessing or using the Website, you agree to be bound by these Terms of Use and the Website's Privacy Policy. If you do not agree, please do not use the Website.

• Eligibility.

The Website is intended for users who are at least 18 years of age or the age of majority in their jurisdiction. By using the Website, you represent that you meet this requirement.

• Educational Content Only

The Website and the Book are intended solely for educational and informational purposes.

The content reflects the Author's views, opinions, research, and experience. It is provided to encourage learning and independent thinking. It is not intended to address the circumstances, objectives, financial situation, or needs of any particular individual.

Users should evaluate all information independently and exercise their own judgment before acting on any information presented on the Website or in the Book.

• No Investment Advice

Nothing on the Website or in the Book constitutes investment advice, financial advice, legal advice, tax advice, accounting advice, or any other form of professional advice.

Nothing on the Website or in the Book should be interpreted as:

• a recommendation to purchase, sell, or hold any security, investment, or financial product;
• a solicitation to engage in any investment activity;
• a promise of future performance or results; or
• personalized advice tailored to any particular individual.

The Author is not acting as an investment adviser, broker, fiduciary, financial planner, attorney, accountant, or other professional adviser with respect to any user or reader.

If you require professional advice, you should consult a qualified professional licensed in the relevant field.

• Investment Risk

Investing and financial decision-making involve risk.

Markets fluctuate. Economic conditions change. Investments may increase or decrease in value, and losses can occur.

Past performance does not guarantee future results.

Any decision made on the basis of information contained in the Website or the Book is made solely at the user's own risk and responsibility.

The Author does not guarantee any outcome, performance, return, profit, or financial result.

• No Professional Relationship

Use of the Website, reading the Book, sending an email, or submitting a message through the contact form does not create any advisory, fiduciary, professional or client relationship between the user and the Author.

The Author does not undertake any duty to update, supplement, or provide individualized guidance regarding any information appearing on the Website or in the Book.

Any response provided by the Author to inquiries submitted through the Website shall be for general informational purposes only and shall not constitute investment, financial, legal, tax, or other professional advice.

• Accuracy and Availability

The Author seeks to provide thoughtful and accurate information. However, no representation or warranty is made that the information contained on the Website or in the Book is accurate, complete, reliable, current, or suitable for any particular purpose.

Information may become outdated over time. Economic conditions, laws, regulations, financial products, and market circumstances may change.

The Website may be modified, suspended, or discontinued at any time without notice.

The Author is under no obligation to update any information appearing on the Website or in the Book. 

• Intellectual Property

The Website and all content made available through it, including text, graphics, images, designs, logos, layouts, downloadable materials, and the Book itself, are protected by copyright and other intellectual property laws.

Unless expressly permitted by law, no content from The Website or The Book may be copied, reproduced, distributed, republished, transmitted, displayed, modified, translated, stored, or used for commercial purposes without the Author's prior written permission.

Nothing in these Terms transfers any ownership rights to users.

All rights not expressly granted are reserved.

• User Conduct

Users agree not to:

• violate any applicable law;
• interfere with the operation of the Website;
• attempt unauthorized access to the Website or related systems;
• transmit malicious code;
• misuse the contact form;
• impersonate another person; or
• submit false or misleading information.

The Author reserves the right to restrict or terminate access to the Website for conduct that violates these Terms.

• Third-Party Websites and Services

The Website may contain links to third-party websites, including Amazon and other external services.

Such websites are operated independently from the Author.

The Author does not control and is not responsible for:

• third-party content;
• products or services offered by third parties;
• security practices;
• privacy practices; or
• transactions conducted through third-party platforms.

Your use of third-party websites is governed by their own terms and policies.

• Affiliate Disclosure

From time to time, the Website may contain affiliate links to third-party products or services. If a user purchases a product or service through such links, the Author may receive a commission or other compensation, at no additional cost to the user.

Any opinions or recommendations expressed on the Website remain those of the Author. Users are under no obligation to purchase any product or service through affiliate links.

Where applicable, affiliate relationships will be disclosed in a clear and reasonably prominent manner.

• All Sales Are Final

Any digital products offered for sale are delivered electronically. All sales are final, and no refunds are provided once access or download has been made available. Purchases are completed through a third-party platform and are also subject to that platform's terms and policies.

• Disclaimer of Warranties

The Website and all content are provided on an "as is" and "as available" basis.

To the maximum extent permitted by applicable law, the Author disclaims all warranties, whether express, implied, statutory, or otherwise, including implied warranties of merchantability, fitness for a particular purpose, accuracy, availability, and non-infringement.

The Author does not warrant that the Website will operate without interruption, error, delay, or security vulnerabilities.

• Limitation of Liability

To the maximum extent permitted by applicable law, the Author shall not be liable for any direct, indirect, incidental, consequential, special, punitive, or exemplary damages arising out of or relating to:

• the use of the Website;
• the use of the Book;
• reliance on any information contained in the Website or the Book;
• investment, financial, legal, tax, or business decisions made by any user;
• inability to access the Website; or
• third-party websites, products, or services.

This limitation includes, without limitation, investment losses, lost profits, lost opportunities, business interruption, and other financial losses.

If liability cannot be excluded under applicable law, it shall be limited to the minimum extent permitted by law.

• Indemnification

You agree to indemnify and hold harmless the Author from and against any claims, liabilities, losses, damages, costs, and expenses, including reasonable legal fees, arising out of:

• your use of the Website;
• your violation of these Terms; or
• your violation of any applicable law or third-party rights.

• International Users

The Website is intended primarily for readers located in the United States but may be accessed internationally.

Users are responsible for ensuring that their use of the Website complies with the laws applicable in their jurisdiction.

• Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Israel, excluding its conflict-of-law rules.

• Jurisdiction

Any dispute arising out of or relating to the Website, the Book, or these Terms shall be subject to the exclusive jurisdiction of the competent courts located in Israel.

• Severability.

If any provision of these Terms is held to be invalid, illegal, or unenforceable for any reason, that provision shall be deemed severed, and the remaining provisions shall continue in full force and effect.

• Changes to These Terms

The Author may revise these Terms from time to time.

The updated version will be posted on the Website together with a revised "Last Updated" date. Continued use of the Website following publication of updated Terms constitutes acceptance of those Terms.

• Contact

Questions regarding these Terms may be directed to Prof. Tchai Tavor via the contact form on the Website.