These terms govern your access to and use of the FinScholar website.
Last updated: 1 May 2026
1. Acceptance of these terms
By accessing or using baivc.com (the "Site"), you agree to be bound by these Terms of Service and by our Privacy Policy. If you do not agree, please do not use the Site.
2. Educational purpose
All content on the Site is provided for general informational and educational purposes only. It is not legal, financial, immigration, or academic advice. You should always verify information with the relevant government agency, university, or licensed professional before making a decision that affects your studies, finances, or visa status.
3. Intellectual property
All articles, guides, graphics, layouts, and other material published on the Site are the property of FinScholar or its content contributors and are protected by copyright and other intellectual property laws. You may share short quotations with attribution and a link back to the original article. Republishing full articles, translating them, or using them to train machine-learning models is strictly prohibited without prior written permission.
4. Acceptable use
Do not attempt to interfere with the normal operation of the Site.
Do not scrape, mirror, or systematically copy content from the Site.
Do not use the Site to distribute malware, spam, or misleading information.
Do not impersonate FinScholar or any of its team members.
5. Third-party links and advertising
The Site may contain links to third-party websites and display advertising served by third-party ad networks. FinScholar does not control and is not responsible for the content, policies, or practices of any third-party website or advertiser. Visiting a third-party site is at your own risk.
6. No professional relationship
Reading the Site, subscribing to the newsletter, or contacting the editorial team does not create any student-advisor, attorney-client, financial-advisor, or immigration-consultant relationship between you and FinScholar.
7. Limitation of liability
To the maximum extent permitted by law, FinScholar, its founders, contributors, and affiliates shall not be liable for any indirect, incidental, consequential, or punitive damages, or for any loss of scholarship, visa, admission, profit, or opportunity, arising out of or related to your use of the Site or reliance on any information published on it.
8. Indemnification
You agree to indemnify and hold FinScholar harmless from any claim, loss, or expense (including reasonable legal fees) arising from your breach of these Terms or your misuse of the Site.
9. Changes to the Site and the Terms
We may modify, suspend, or discontinue any part of the Site at any time. We may also update these Terms of Service; continued use of the Site after changes indicates acceptance of the revised Terms.
10. Governing law
These Terms are governed by the laws applicable to the jurisdiction in which FinScholar is operated, without regard to conflict-of-law principles.