Last Updated: July 10, 2025
Welcome to Global Skill (the “Website”), a blog dedicated to providing information, insights, and resources related to personal finance, budgeting, investing, and other financial topics. The Website is owned and operated by Global Skill Media LLC, located at 1234 Prosperity Lane, Suite 100, Austin, Texas 78701, USA. For inquiries, you may contact us at contact@globalskill.com. These Terms and Conditions (“Terms”) govern your access to and use of the Website, including all content, services, and features available on or through the Website. By accessing or using the Website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please do not use the Website.
1. Acceptance of Terms
By accessing or using Global Skill, you represent that you are at least 18 years of age and have the legal capacity to enter into a binding agreement. If you are accessing the Website on behalf of an organization or entity, you represent that you have the authority to bind that organization or entity to these Terms. Your use of the Website constitutes your agreement to comply with these Terms, as well as our Privacy Policy and Disclaimer, which are incorporated by reference. If you violate any of these Terms, your permission to use the Website may be terminated at our sole discretion.
2. Use of the Website
2.1 Permitted Use
Global Skill is intended for personal, non-commercial use. You may access and use the Website and its content, including articles, blog posts, guides, videos, infographics, and other materials (collectively, the “Content”), for informational and educational purposes only. The Content is designed to provide general knowledge about financial topics such as budgeting, saving, investing, debt management, and financial planning. You may not use the Website or its Content for any unlawful purpose or in any manner inconsistent with these Terms.
2.2 Prohibited Conduct
You agree not to engage in any of the following activities while using the Website:
- Violating any applicable local, state, national, or international laws or regulations.
- Reproducing, distributing, modifying, or creating derivative works from the Content without prior written permission from Global Skill Media LLC.
- Using the Website to transmit or post any content that is unlawful, defamatory, obscene, threatening, or infringing on the rights of others.
- Attempting to interfere with the Website’s functionality, including through hacking, introducing viruses, or overloading the Website’s servers.
- Collecting or harvesting personal information from other users without their consent.
- Impersonating any person or entity or misrepresenting your affiliation with any person or entity.
- Using automated systems, such as bots or scrapers, to access or extract Content from the Website without our express permission.
We reserve the right to investigate and take appropriate action, including legal action, against any user who violates these Terms.
3. No Financial Advice
The Content on Global Skill is provided for informational and educational purposes only and does not constitute professional financial, legal, tax, or investment advice. Global Skill is not a financial advisory service, registered investment advisor, broker, or financial planner. The Content does not take into account your personal financial situation, goals, risk tolerance, or specific circumstances. Before making any financial decisions, including but not limited to investments, loans, insurance, or tax-related matters, you should consult with a qualified financial advisor, accountant, or other licensed professional who can provide advice tailored to your individual needs.
You acknowledge that any reliance on the Content is at your own risk, and Global Skill shall not be liable for any losses, damages, or adverse outcomes resulting from your use of or reliance on the Content. The financial industry is complex and subject to change, and the Content may not reflect the most current market conditions, laws, regulations, or economic factors.
4. Affiliate Relationships and Disclosures
Global Skill participates in affiliate marketing programs, which means we may earn commissions or fees by linking to products, services, or websites through affiliate links. These programs may include, but are not limited to, Amazon Associates, Commission Junction, ShareASale, and other affiliate networks. When you click on an affiliate link and make a purchase or take a specific action, we may receive a commission or referral fee at no additional cost to you.
We strive to be transparent about our affiliate relationships. Affiliate links are typically identified within the Content, but not all links on the Website are affiliate links. The inclusion of an affiliate link does not imply that Global Skill endorses or recommends the linked product or service. Our editorial Content is created with the goal of providing valuable and unbiased information, and affiliate relationships do not influence our editorial integrity.
The compensation we receive from affiliate programs supports the operation of the Website, including content creation, website maintenance, and other operational costs. You are under no obligation to use our affiliate links, and you may choose to purchase products or services directly from providers without using our links.
5. Third-Party Links and Services
The Website may contain links to third-party websites, services, or resources for your convenience and to provide additional information. These third-party websites are not owned, controlled, or operated by Global Skill, and we are not responsible for their content, accuracy, privacy policies, or practices. The inclusion of a third-party link does not imply endorsement, approval, or affiliation with the linked website.
You access third-party websites at your own risk. We encourage you to review the terms of use, privacy policies, and disclaimers of any third-party websites you visit, as their practices may differ from those of Global Skill. Global Skill shall not be liable for any damages, losses, or issues arising from your use of third-party websites or reliance on their content.
6. Intellectual Property
All Content on Global Skill, including text, images, graphics, logos, videos, and other materials, is the property of Global Skill Media LLC or its licensors and is protected by United States and international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, display, or create derivative works from the Content without prior written permission from Global Skill Media LLC.
The “Global Skill” name, logo, and other trademarks or service marks appearing on the Website are the property of Global Skill Media LLC. You may not use these trademarks or service marks without our express written consent.
7. User Contributions
Global Skill may allow users to submit comments, questions, or other contributions through the Website, such as in blog comment sections or contact forms. By submitting any content to the Website, you grant Global Skill Media LLC a non-exclusive, royalty-free, perpetual, and worldwide license to use, reproduce, modify, publish, and distribute your contribution in any form or medium.
You represent and warrant that your contributions are accurate, lawful, and do not infringe on the rights of any third party. You are solely responsible for the content you submit, and Global Skill reserves the right to moderate, edit, or remove any user contributions at our sole discretion. We are not liable for any user contributions or any damages or losses resulting from such contributions.
8. Investment and Financial Product Risks
The Content may discuss investment opportunities, such as stocks, bonds, mutual funds, exchange-traded funds (ETFs), real estate, cryptocurrencies, or other investment vehicles. Investing inherently involves risks, including the potential loss of principal. Past performance is not indicative of future results, and all investments carry the risk of financial loss.
Global Skill does not provide investment advice or recommendations. Any discussion of investments or financial products is for informational purposes only and should not be interpreted as a suggestion to buy, sell, or hold any security or asset. Before making any investment decisions, you should conduct your own research and consult with a licensed financial advisor or investment professional. Global Skill is not responsible for any financial losses or adverse outcomes resulting from investment decisions made based on the Content.
Similarly, the Website may mention or review financial products or services, such as credit cards, loans, bank accounts, insurance products, or budgeting tools. These discussions are intended to provide general information and comparisons. Global Skill does not guarantee the suitability, availability, or terms of any financial product or service. You should carefully review the terms and conditions of any financial product or service before applying or enrolling.
9. Accuracy of Information
We strive to ensure that the Content is accurate and current at the time of publication. However, the financial industry is dynamic, and information can become outdated due to changes in laws, regulations, market conditions, or other factors. Global Skill does not guarantee the accuracy, completeness, or timeliness of the Content, and we are not obligated to update or revise the Content to reflect new developments.
Errors, omissions, or inaccuracies may occur in the Content, and Global Skill is not liable for any consequences resulting from such errors. If you identify an error or have concerns about the accuracy of any Content, please contact us at contact@globalskill.com, and we will review your feedback.
10. Limitation of Liability
To the fullest extent permitted by law, Global Skill Media LLC, its owners, employees, affiliates, and contributors shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Website or reliance on the Content. This includes, but is not limited to, damages for loss of profits, data, or other intangible losses, even if we have been advised of the possibility of such damages.
The Website and its Content are provided on an “as is” and “as available” basis, without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. Your use of the Website is at your sole risk, and you assume full responsibility for any costs or consequences associated with your use.
11. Indemnification
You agree to indemnify, defend, and hold harmless Global Skill Media LLC, its owners, employees, affiliates, and contributors from any claims, liabilities, damages, losses, or expenses (including reasonable attorneys’ fees) arising from your use of the Website, your violation of these Terms, or your infringement of any intellectual property or other rights of any third party.
12. Termination
Global Skill reserves the right to suspend or terminate your access to the Website at any time, with or without notice, for any reason, including if we believe you have violated these Terms. Upon termination, your right to use the Website will cease immediately, and any provisions of these Terms that by their nature should survive termination (such as intellectual property, limitation of liability, and indemnification) will continue to apply.
13. Governing Law and Dispute Resolution
These Terms and your use of the Website are governed by the laws of the State of Texas, United States, without regard to its conflict of law principles. Any disputes arising from your use of the Website shall be resolved in the state or federal courts located in Austin, Texas. You agree to submit to the personal jurisdiction of these courts for the purpose of resolving any such disputes.
14. Changes to These Terms
Global Skill reserves the right to update or modify these Terms at any time without prior notice. Any changes will be effective immediately upon posting the updated Terms on the Website. Your continued use of the Website after any changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically to stay informed of any updates.
15. Contact Information
If you have any questions, concerns, or feedback regarding these Terms or the Website, please contact us at:
Global Skill Media LLC
1234 Prosperity Lane, Suite 100
Austin, Texas 78701, USA
Email: contact@globalskill.com
16. Entire Agreement
These Terms, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and Global Skill Media LLC regarding your use of the Website and supersede any prior agreements or understandings, whether written or oral.
Thank you for visiting Global Skill. We are committed to providing valuable and trustworthy financial information to support your financial journey. Please use the Website responsibly and in accordance with these Terms.