Terms and Conditions

Website: https://shieldwise.bond/  |   Last Updated: June 13, 2025  |   Effective Date: June 13, 2025

1. Acceptance of Terms

These Terms and Conditions (“Terms”) govern your access to and use of the website located at https://shieldwise.bond/ (the “Site”), operated by Shield Wise Bond (“we,” “us,” or “our”).

By visiting, browsing, or using any part of this Site — including reading articles, clicking affiliate links, interacting with advertisements, or submitting any form — you acknowledge that you have read, understood, and agree to these Terms and our Privacy Policy, which is incorporated herein by reference.

These Terms apply to all visitors, users, and others who access or use the Site. If you are using the Site on behalf of an organisation, you agree to these Terms on behalf of that organisation.

2. About Us

Shield Wise Bond is an independent content website providing informational articles, guides, reviews, and resources to our readers. We are not a financial adviser, medical professional, legal firm, or licensed service provider unless explicitly stated otherwise.

For enquiries, please contact us via our Contact Page. We do not maintain a public physical address.

3. Use of the Website

3.1 Permitted Use

You may access and use the Site for your personal, non-commercial informational purposes only, subject to these Terms. You may print or download content for your own private use, provided you retain all copyright and proprietary notices.

3.2 Prohibited Conduct

You agree that you will NOT:

• Use the Site in any way that violates applicable local, national, or international laws or regulations
• Copy, reproduce, republish, scrape, download, post, broadcast, transmit, or otherwise use any content from the Site for commercial purposes without our express written permission
• Use any automated tools, bots, scrapers, crawlers, or similar technology to extract data from the Site without our prior written consent
• Attempt to gain unauthorised access to any part of the Site, its servers, or any associated database or system
• Transmit any unsolicited or unauthorised advertising, promotional materials, spam, or junk mail
• Knowingly transmit any data or material that contains viruses, Trojan horses, worms, or any other malicious or harmful programs
• Impersonate any person or entity, or falsely claim an affiliation with a person or entity
• Use the Site in any way that could damage, disable, overburden, or impair our infrastructure
• Engage in any conduct that restricts or inhibits anyone’s use or enjoyment of the Site
• Frame or mirror any part of the Site without our express written consent
• Use the Site to collect or harvest personal data about other users

3.3 Accuracy of Information

We make reasonable efforts to ensure that the information on the Site is accurate and up to date. However, we do not warrant the completeness, accuracy, or reliability of any content. Content is provided for general informational purposes only and should not be relied upon as professional advice of any kind (legal, financial, medical, or otherwise).

4. Intellectual Property Rights

4.1 Our Content

Unless otherwise stated, all content published on this Site — including but not limited to text, articles, blog posts, guides, reviews, graphics, logos, icons, images, audio clips, video clips, data compilations, and software — is the property of Shield Wise Bond and is protected by applicable copyright, trademark, and intellectual property laws.

The Shield Wise Bond name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Shield Wise Bond. You must not use such marks without our prior written permission.

4.2 Limited Licence to Users

We grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Site and its content solely for your personal, non-commercial use. This licence does not include:

• The right to resell or commercially exploit any content
• The right to create derivative works based on our content
• The right to download (other than page caching) or modify any portion of the Site
• Any use of data mining, robots, or similar data gathering tools

4.3 Third-Party Content

Some content on our Site may include content licensed from or owned by third parties (e.g., stock images, embedded videos, quoted material). Such content remains the property of its respective owners. We do not claim ownership over third-party content and any use thereof is subject to the terms of the relevant licence.

4.4 Linking to Our Site

You may link to our homepage, provided you do so in a way that is fair, legal, and does not damage our reputation or take advantage of it. You must not establish a link that suggests any form of association, approval, or endorsement on our part where none exists. We reserve the right to withdraw linking permission at any time without notice.

5. User-Generated Content & Comments

5.1 Your Submissions

If you submit comments, feedback, questions, or any other content to the Site (collectively “User Content”), you grant us a worldwide, royalty-free, non-exclusive, perpetual licence to use, reproduce, modify, publish, translate, and distribute such User Content in any medium.

5.2 Content Standards

All User Content must comply with the following standards. It must NOT:

• Contain any material that is defamatory, obscene, offensive, hateful, or inflammatory
• Promote violence, discrimination, or illegal activity
• Infringe any intellectual property rights of any third party
• Be used to impersonate any person or misrepresent your identity
• Contain spam, advertising, or unsolicited commercial communications
• Contain any viruses, malware, or other harmful code
• Violate any applicable local, national, or international law or regulation

5.3 Moderation

We reserve the right — but not the obligation — to monitor, moderate, edit, or remove any User Content at our sole discretion and without notice. Submission of User Content does not guarantee that it will be published on the Site.

5.4 Your Responsibility

You are solely responsible for any User Content you submit and the consequences of posting or publishing it. You represent and warrant that you own or have the necessary rights to submit the content, and that doing so does not violate any third-party rights.

6. Affiliate Links & Commercial Relationships FTC Disclosure

Shield Wise Bond participates in affiliate marketing programmes. Some links on our Site are affiliate links. This means that if you click on a link and subsequently make a purchase or take an action on a third-party site, we may earn a commission or referral fee — at no additional cost to you.

This is how we fund the operation and maintenance of this free-to-read website. Our participation in affiliate programmes is in compliance with the U.S. Federal Trade Commission (FTC) Endorsement Guides (16 CFR Part 255) and equivalent regulations in other jurisdictions.

6.1 Programmes We May Participate In

• Amazon Associates — As an Amazon Associate we earn from qualifying purchases
• Commission Junction (CJ Affiliate)
• ShareASale
• Rakuten Advertising
• Impact (formerly Impact Radius)
• ClickBank
• Awin
• PartnerStack
• Other brand-specific affiliate and referral programmes

6.2 Editorial Independence

Affiliate relationships do not influence our editorial content, opinions, or recommendations. We only recommend products and services we believe provide genuine value to our readers. We clearly identify affiliate content with appropriate disclosures.

6.3 Sponsored Content

We may occasionally publish sponsored posts or reviews that are paid for by a brand or advertiser. All sponsored content will be clearly labelled as “Sponsored,” “Paid Partnership,” or equivalent. Sponsorship does not affect our honest assessment of products or services.

6.4 No Endorsement of Third-Party Products

The mention of or link to any product, service, brand, or company on this Site does not constitute an official endorsement unless explicitly stated. We make no warranties regarding third-party products or services described or linked from our Site.

7. Advertising (Google AdSense) AdSense

This Site displays advertisements served by Google AdSense and potentially other third-party advertising networks. These advertisements help us generate revenue to maintain the Site.

• Google AdSense uses cookies, including the DoubleClick cookie, to serve ads based on your browsing history and interests. For full details, see Google’s Advertising Policies.
• You may opt out of personalised advertising by visiting Google Ads Settings.
• We are not responsible for the content of third-party advertisements displayed on the Site. Clicking on an ad will take you to a third-party website, and your use of that website is subject to its own terms and conditions.
• We do not endorse any products or services advertised through third-party ad networks on our Site.
• Advertisers do not have any influence over the editorial content of this Site.

Please refer to our Privacy Policy for detailed information about how advertising cookies are used on this Site.

8. Third-Party Links & Websites

Our Site contains links to external websites that are not owned or controlled by Shield Wise Bond. These include affiliate links, editorial reference links, advertisement links, and social media platform links.

We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services. We do not warrant the offerings of any third-party websites.

You acknowledge and agree that:

• We shall not be responsible or liable for any damage or loss caused or alleged to be caused by or in connection with your use of any third-party website
• Links to third-party websites do not imply our endorsement, approval, or association with those sites or their operators
• We strongly advise you to read the terms and privacy policy of any third-party website you visit

9. Social Media

9.1 Social Media Platforms

Our Site may include social media sharing buttons, embedded content, and links to our official profiles on platforms including but not limited to:

• Facebook / Meta
• Twitter / X
• Instagram
• Pinterest
• LinkedIn
• YouTube
• TikTok
• Reddit

When you interact with these features or visit our social media pages, your use is governed by the terms and conditions and privacy policies of those respective platforms. We are not responsible for the data practices of social media platforms.

9.2 Social Media Content

Content we share on social media platforms is subject to the terms of those platforms. Any interactions you have with our social media posts (likes, shares, comments) are governed by the relevant platform’s terms of service.

9.3 Third-Party Social Content on Our Site

We may embed posts, videos, or other content from social media platforms directly on our Site. Such embedded content may allow those platforms to collect data about you, even if you do not have an account with them. Please refer to each platform’s privacy policy for details.

10. Disclaimer of Warranties Important

THE SITE AND ALL CONTENT, MATERIALS, INFORMATION, AND SERVICES AVAILABLE THROUGH THE SITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

To the fullest extent permitted by applicable law, we expressly disclaim all warranties, including but not limited to:

• Implied warranties of merchantability, fitness for a particular purpose, and non-infringement
• Warranties that the Site will be uninterrupted, timely, secure, or error-free
• Warranties that the results obtained from using the Site will be accurate or reliable
• Warranties that any errors in the Site will be corrected

We do not warrant or guarantee that the information on this Site is complete, accurate, current, or free of errors. We reserve the right to change the content of the Site at any time without notice.

11. Limitation of Liability Important

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, SHIELD WISE BOND, ITS OWNERS, OPERATORS, CONTRIBUTORS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY:

• Indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, business, or goodwill
• Personal injury or property damage of any nature whatsoever
• Unauthorised access to or use of our servers and any personal information stored therein
• Interruption or cessation of transmission to or from our Site
• Bugs, viruses, Trojan horses, or similar harmful code transmitted through the Site by any third party
• Errors or omissions in any content, or any loss or damage incurred as a result of your use of any content posted, emailed, transmitted, or otherwise made available through the Site

These limitations apply whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if we have been advised of the possibility of such damages.

In jurisdictions that do not allow the exclusion or limitation of liability for consequential or incidental damages, our liability is limited to the maximum extent permitted by law. In no event shall our total aggregate liability to you exceed EUR 100 (one hundred euros) or the equivalent in your local currency.

12. Indemnification

You agree to defend, indemnify, and hold harmless Shield Wise Bond and its owners, operators, contributors, affiliates, and successors from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable legal fees) arising out of or relating to:

• Your violation of these Terms
• Your use of the Site in a manner not authorised by these Terms
• Any User Content you submit to the Site
• Your violation of any law or the rights of a third party
• Any negligent, fraudulent, or wilful misconduct on your part

13. DMCA & Copyright Infringement

13.1 Our Respect for Intellectual Property

Shield Wise Bond respects the intellectual property rights of others. We expect users of our Site to do the same. It is our policy to respond to notices of alleged copyright infringement that comply with the Digital Millennium Copyright Act (DMCA) and applicable international law.

13.2 Reporting Infringement

If you believe that any content on our Site infringes your copyright, please notify us via our Contact Page with the following information:

• A description of the copyrighted work you claim has been infringed
• The URL or specific location on our Site where the allegedly infringing material is located
• Your contact information (name, address, telephone number, and email address)
• A statement that you have a good-faith belief that the disputed use is not authorised by the copyright owner, its agent, or the law
• A statement, made under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or authorised to act on the copyright owner’s behalf
• Your electronic or physical signature

Upon receipt of a valid DMCA notice, we will investigate and, where appropriate, remove or disable access to the allegedly infringing content within a reasonable time frame.

13.3 Counter-Notice

If you believe your content was removed in error, you may submit a counter-notice via our Contact Page with the information required under the DMCA.

14. Privacy Policy

Your use of the Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy, which describes how we collect, use, and share information about you when you use the Site, including how we use cookies, Google AdSense, affiliate tracking, and social media integrations.

15. Cookie Policy

This Site uses cookies and similar tracking technologies as described in our Privacy Policy (Section 4). By continuing to use this Site, you consent to our use of cookies in accordance with our Privacy Policy.

You can control and manage cookies through your browser settings. Please note that disabling cookies may affect your experience on the Site and some features may not function correctly.

16. Governing Law & Jurisdiction

These Terms and any dispute or claim arising out of or in connection with them (including non-contractual disputes or claims) shall be governed by and construed in accordance with applicable law.

As this Site is accessible globally and we operate without a fixed jurisdiction, we aim to comply with the laws and regulations of all major jurisdictions where our users are located, including:

• European Union (EU) — General Data Protection Regulation (GDPR), ePrivacy Directive, and applicable consumer protection laws
• United Kingdom — UK GDPR, Data Protection Act 2018, and Consumer Rights Act 2015
• United States — CAN-SPAM Act, CCPA/CPRA (California), COPPA, and FTC regulations
• Australia — Australian Privacy Act 1988 and Australian Consumer Law
• Canada — PIPEDA and CASL

Nothing in these Terms limits any rights you have under mandatory provisions of the law applicable in your country of residence that cannot be excluded by contract.

17. Dispute Resolution

17.1 Informal Resolution

If you have a dispute with us, we encourage you to first contact us via our Contact Page so that we can try to resolve the matter informally. We will endeavour to respond to all legitimate disputes within 14 business days.

17.2 EU Online Dispute Resolution

If you are a consumer based in the European Union, you may also submit a complaint to the EU Online Dispute Resolution (ODR) platform at https://ec.europa.eu/consumers/odr/.

17.3 No Class Actions

To the extent permitted by applicable law, you agree that any dispute resolution proceedings will be conducted on an individual basis and not as part of a class, consolidated, or representative action.

18. Modifications to These Terms

We reserve the right to modify these Terms at any time at our sole discretion. When we make changes, we will update the “Last Updated” date at the top of this page. For material changes, we will make reasonable efforts to provide notice, such as placing a prominent notice on the Site homepage.

Your continued use of the Site after any changes to these Terms constitutes your acceptance of the revised Terms. If you do not agree to the updated Terms, you must stop using the Site.

We encourage you to review these Terms periodically to stay informed of any updates.

19. Severability & Entire Agreement

19.1 Severability

If any provision of these Terms is found by a court or other competent authority to be invalid, unlawful, or unenforceable, such provision shall be modified to the minimum extent necessary to make it valid and enforceable, or — if modification is not possible — it shall be severed from the Terms. The remaining provisions shall continue in full force and effect.

19.2 Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. Any waiver must be in writing and signed by us to be effective.

19.3 Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published on the Site, constitute the entire agreement between you and Shield Wise Bond with respect to your use of the Site, and supersede all prior and contemporaneous understandings, agreements, representations, and warranties.

19.4 Assignment

You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may freely assign our rights and obligations under these Terms.

19.5 Force Majeure

We shall not be liable for any delay or failure to perform resulting from causes outside our reasonable control, including acts of God, war, terrorism, riots, embargoes, acts of civil or military authorities, fires, floods, earthquakes, pandemics, or failures of telecommunications or internet service providers.

20. Contact Us

If you have any questions, concerns, or feedback about these Terms and Conditions, please contact Shield Wise Bond:

• 📧 Contact Form: https://shieldwise.bond/contact/
• 🌐 Website: https://shieldwise.bond/

We aim to respond to all enquiries within 5–10 business days.