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Terms of Service — FYI Americans

Effective Date: March 3, 2026
Last Updated: October 7, 2026

1. Agreement to Terms

By accessing https://fyiamericans.com (the “Site”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree, please do not use the Site.

These Terms constitute a legally binding agreement between you and FYI Americans, operated from Long Island City, New York, United States.

2. Eligibility

You must be at least 18 years old to use this Site, given its investment-related content. By using the Site, you represent that you meet this requirement.

3. Intellectual Property

All content (text, images, research, graphics) is © 2026 FYI Americans unless otherwise noted.

You may:

  • Read and share links to our articles
  • Quote brief excerpts with attribution and a link back

You may not, without prior written permission:

  • Reproduce full articles or substantial portions
  • Use our content for commercial purposes or AI training
  • Scrape, crawl, or systematically download the Site
  • Republish our research under your own name

Citation format:

[Author]. “[Article Title].” FYI Americans, [Date]. https://fyiamericans.com/[slug]

4. User Conduct & Comments

When using the Site (including comment features), you agree not to:

  • Upload malware, harmful code, or spam
  • Harass our team or other users
  • Impersonate others
  • Post investment solicitations or financial advice in comments (see our Comments Policy)
  • Post content that is defamatory, infringing, or violates U.S. law

We reserve the right to remove content and block users who violate these rules.

5. Disclaimers

Our content is for informational and educational purposes only — not professional advice.

  • Investment content: Analysis of luxury assets (handbags, art, collectibles) is educational. It does not constitute financial, investment, tax, or legal advice. Luxury assets are illiquid and carry risk of loss. Past performance does not predict future results. Consult a licensed financial advisor before making investment decisions.
  • Health/beauty content: Consult qualified professionals before following any recommendations.
  • Accuracy: We research rigorously (see our Research Methodology) but do not warrant that all content is error-free or current.

6. Affiliate & Advertising Disclosure

Some links on the Site are affiliate links (including the Amazon Associates program). We may earn a commission at no additional cost to you. We serve display advertising via Google AdSense. Full details: Disclosure & Affiliate Disclaimer.

7. Third-Party Links

The Site contains links to external websites. We are not responsible for their content, policies, or practices.

8. DMCA / Copyright Infringement Claims

We respect intellectual property rights. If you believe content on the Site infringes your copyright, submit a notice under the Digital Millennium Copyright Act (17 U.S.C. § 512) to:

📧 contact@fyiamericans.com
Subject: “DMCA Notice”

Include: (1) identification of the copyrighted work; (2) the URL of the allegedly infringing material; (3) your contact information; (4) a good-faith statement; (5) a statement under penalty of perjury that you are authorized to act for the owner; and (6) your physical or electronic signature.

9. Limitation of Liability

To the fullest extent permitted by applicable law:

  • The Site is provided “as is” and “as available” without warranties of any kind, express or implied.
  • FYI Americans shall not be liable for any indirect, incidental, consequential, special, or punitive damages — including lost profits, investment losses, or data loss — arising from your use of the Site.
  • Our total liability for any claim shall not exceed one hundred U.S. dollars (US$100).

10. Indemnification

You agree to indemnify and hold harmless FYI Americans, its operator, and contributors from any claims, damages, and expenses (including reasonable attorneys’ fees) arising from your use of the Site or violation of these Terms.

11. Governing Law & Jurisdiction

These Terms are governed by the laws of the State of New York, United States, without regard to conflict-of-law provisions.

Any dispute arising from these Terms or the Site shall be resolved in the state or federal courts located in Queens County, New York, and the parties consent to the personal jurisdiction of such courts.

12. Privacy

Your use of the Site is also governed by our Privacy Policy, which describes how we collect and use data under U.S. law (including the CCPA/CPRA and other state privacy laws).

13. Changes to These Terms

We may modify these Terms at any time. Material changes will be posted on this page with an updated date. Continued use after changes constitutes acceptance. If you do not agree with the revised Terms, stop using the Site.

14. Severability & Entire Agreement

If any provision is found unenforceable, the remainder stays in effect. These Terms, together with our Privacy Policy, Cookie Policy, and Comments Policy, constitute the entire agreement between you and FYI Americans regarding the Site.

15. Contact

16. Related Policies

These Terms work together with our other governance documents:

17. Contact

Legal inquiries:
📧 contact@fyiamericans.com
Subject line: “Legal”

Mailing address:
FYI Americans
Green Desk Coworking and Office Spaces – Long Island City
34-18 Northern Blvd, Long Island City, NY 11101, United States