Terms and Conditions

Effective Date: 25-02-2026

Welcome to Finance and Online Learning, an initiative of AB Points. These Terms and Conditions govern your access to and use of this website, including all content, features, and services offered through it.

By accessing, browsing, or using this Website, you acknowledge that you have read, understood, and agree to be legally bound by these Terms and Conditions. If you do not agree with any part of these Terms, you must discontinue use of the Website immediately.

These Terms apply to all visitors, users, and others who access or use the Website.

1. Interpretation and Definitions

1.1 Interpretation

Words with capitalized initial letters have meanings defined under the conditions below. These definitions apply whether the terms appear in singular or plural form.

Headings are included for convenience only and do not affect interpretation.

1.2 Definitions

For the purposes of these Terms and Conditions:

Website

refers to Finance and Online Learning operated by AB Points.

Company, We, Us, or Our

refers to Finance and Online Learning and AB Points.

User, You, or Your

refers to any individual who accesses or uses the Website.

Content

refers to all information available on the Website, including articles, blog posts, guides, tutorials, graphics, logos, images, downloadable materials, and any other form of media.

Affiliate

refers to a third party whose products or services may be promoted on the Website through referral links.

Services

refers to the Website and any features, materials, or digital offerings made available through it.

2. Acknowledgment

By using this Website, you confirm that:

• You have the legal capacity to enter into a binding agreement

• You are at least 18 years of age or accessing the Website under supervision of a parent or guardian

• You agree to comply with these Terms and all applicable laws

• You understand that your use of the Website is voluntary

Your continued use of the Website constitutes ongoing acceptance of these Terms and any future modifications.

3. Purpose of the Website

Finance and Online Learning provides educational and informational content related to finance, online earning, money management, and general financial awareness.

The Website is designed to share knowledge, insights, research-based information, and personal opinions. It does not provide regulated financial services, brokerage services, investment management, or professional advisory services.

4. Use of Content and Intellectual Property

All Content published on this Website is the intellectual property of Finance and Online Learning and AB Points unless otherwise stated.

You may:

• View and read Content for personal, non-commercial use

• Share links to published articles

• Quote small portions with proper attribution

You may not:

• Copy, reproduce, distribute, or republish Content without written permission

• Modify or create derivative works from our Content

• Use our trademarks, branding, or logos without authorization

• Use automated systems to extract data from the Website

Unauthorized use may result in legal action.

5. Financial and Educational Disclaimer

All information provided on this Website is strictly for educational and informational purposes.

We do not provide:

• Financial advice

• Investment advice

• Tax advice

• Legal advice

• Professional consulting services

Any financial decisions you make based on information obtained from this Website are made at your own risk.

Online earning methods, investments, and financial strategies involve risk, including the possible loss of capital. Past performance does not guarantee future results.

You are strongly encouraged to consult a licensed financial advisor, accountant, or legal professional before making financial decisions.

We disclaim all liability for losses, damages, or outcomes resulting from reliance on the information provided.

6. Affiliate Disclosure

This Website may participate in affiliate marketing programs.

This means we may earn commissions when you click on affiliate links and make purchases. These commissions do not increase the price you pay.

Affiliate relationships do not influence our editorial integrity. However, we do not guarantee the effectiveness, safety, or reliability of third party products or services.

All purchases or engagements with third party providers are made at your own discretion and risk.

7. User Conduct and Responsibilities

By using this Website, you agree that you will not:

• Post spam or promotional content

• Upload malicious software or harmful code

• Attempt unauthorized access to servers or data

• Interfere with Website security features

• Violate intellectual property rights

• Engage in unlawful, abusive, or fraudulent behavior

We reserve the right to remove content, restrict access, or take legal action if necessary.

8. Termination

We reserve the right to suspend or terminate your access to the Website without prior notice if you violate these Terms or engage in behavior that may harm the Website or its users.

Termination may occur without liability to you and without affecting our legal rights or remedies.

9. External Links Disclaimer

The Website may include links to third party websites for informational or reference purposes.

We do not control, endorse, or assume responsibility for:

• The content of third party websites

• Their privacy practices

• Their business operations

• Their accuracy or reliability

Accessing external links is done entirely at your own risk.

10. Limitation of Liability

To the maximum extent permitted by law, Finance and Online Learning and AB Points shall not be liable for any:

• Direct damages

• Indirect damages

• Incidental damages

• Consequential damages

• Financial losses

• Business interruptions

• Loss of data

This limitation applies even if we were advised of the possibility of such damages.

Your sole remedy for dissatisfaction with the Website is to discontinue use.

11. As Is and As Available Disclaimer

The Website is provided on an “as is” and “as available” basis.

We make no warranties or guarantees regarding:

• Accuracy or completeness of Content

• Continuous availability

• Error free operation

• Security or protection from cyber threats

• Suitability for any particular purpose

Use of the Website is entirely at your own risk.

12. Accessibility Statement

We are committed to improving accessibility for all users.

We aim to design content that is usable for individuals with disabilities. However, we cannot guarantee full accessibility at all times.

If you experience difficulty accessing any part of the Website, please contact us so we can review and improve accessibility.

13. Governing Law

These Terms and Conditions are governed by and interpreted in accordance with the laws of Pakistan.

Any dispute arising from these Terms shall be subject to the exclusive jurisdiction of the competent courts of Pakistan.

14. Dispute Resolution

14.1 Informal Resolution

Before filing legal proceedings, parties agree to attempt resolution through good faith negotiation via written communication.

14.2 European Union Users

If you reside in the European Union, you may have additional consumer protection rights under EU regulations. You may access EU Online Dispute Resolution platforms where applicable.