Effective date: November 10, 2026

These Terms of Use (“Terms”) govern your access to and use of the website at https://if.finance (the “Site”). The Site is operated by INTENSE FINANCE, LLC, a Texas limited liability company (Texas Secretary of State file number 6000052579), with an office at 515 N Sam Houston Pkwy E Ste 165, Houston, TX 77060 (“we,” “us,” or “our”).

By accessing or using the Site, you agree to these Terms. If you do not agree, please do not use the Site. These Terms should be read together with our Privacy Policy.

Information Only: Read This First

if.finance is INFORMATION ONLY. Nothing on this Site is financial, investment, legal, or tax advice.

You act entirely at your own risk.

If you are concerned or worried in any way, LEAVE THE SITE NOW.

The Site

The Site is a financial news and opinion publication. We publish commentary, reporting, charts, lists, and related material for general informational and educational purposes.

Not investment advice

Nothing on the Site is investment, financial, legal, tax, accounting, or other professional advice. We are not a registered investment adviser, broker-dealer, or accountant, and we are not offering, soliciting, or recommending the purchase or sale of any security or other financial instrument. You should not treat any article, headline, chart, list, “pick,” comment, or other content as a basis for investment or other financial decisions. Before you make important decisions about your money, speak with a qualified professional who can consider your own situation. You use the Site and any information on it at your own risk.

No warranties

The Site and all content are provided “as is” and “as available.” To the fullest extent permitted by law, we disclaim all warranties, express or implied, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the Site will be uninterrupted, timely, secure, or error-free, or that any content is accurate, complete, or current. Markets move quickly, and information can become outdated or prove incorrect.

Limitation of liability

To the fullest extent permitted by law, INTENSE FINANCE, LLC and our officers, members, managers, employees, and agents will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, or goodwill, arising out of or related to your use of (or inability to use) the Site or any content on it, even if we have been advised of the possibility of such damages. Some jurisdictions do not allow certain limitations; in those cases, our liability is limited to the maximum extent permitted by law.

Intellectual property

The Site and its content—including text, graphics, logos, layout, and compilation—are owned by INTENSE FINANCE, LLC or our licensors and are protected by copyright and other intellectual property laws. You may read and share links to our pages for personal, non-commercial use. You may not copy, scrape, republish, or commercially exploit our content without our prior written permission, except as allowed by applicable law (including fair use). Third-party names, marks, data, and widgets remain the property of their owners.

User conduct

You agree to use the Site lawfully and in a way that does not harm the Site or other people. You may not: attempt to gain unauthorized access to the Site or our systems; interfere with or disrupt the Site; submit unlawful, defamatory, or infringing material; submit malware or spam; or misrepresent your identity. If you send us a message or other material through the Site, you grant us a non-exclusive, royalty-free license to use it to operate the Site and respond to you. You are responsible for what you send.

Third-party links, affiliates, and advertising

The Site may include links to third-party websites, embedded content (such as videos and charts), affiliate links, and advertisements. We do not control third-party sites or services and are not responsible for their content, policies, or practices. If you follow a third-party or affiliate link, you leave our Site and are subject to that third party’s terms and privacy policy. We may earn a commission from certain affiliate links. That does not change the price you pay. Affiliate relationships and advertising do not mean we endorse the third party or that their information is accurate. Please review our Privacy Policy for more information about cookies, analytics, and advertising.

Changes

We may update these Terms from time to time. The effective date at the top of this page will change when we do. Your continued use of the Site after a change means you accept the updated Terms. Please check this page periodically.

Governing law and venue

These Terms and any dispute arising out of or relating to these Terms or the Site are governed by the laws of the State of Texas, without regard to conflict-of-law rules. You agree that the state and federal courts located in Harris County, Texas, are the exclusive venue for any such dispute, and you consent to personal jurisdiction there.

Contact

Questions about these Terms may be sent by email to marketing@if.finance, by phone at (281) 721-9870, through our Contact page at https://if.finance/contact/, or by writing to us at:

INTENSE FINANCE, LLC
515 N Sam Houston Pkwy E Ste 165
Houston, TX 77060