Last Updated: July 11, 2026
Welcome to FactAdviser.
These Terms and Conditions (“Terms”) govern your access to and use of the FactAdviser website, including all content, features, educational resources, verification tools, reports, services, and other materials made available through our platform.
By accessing or using FactAdviser, you acknowledge that you have read, understood, and agreed to be bound by these Terms. If you do not agree with any part of these Terms, you should discontinue using the website immediately.
These Terms apply to all visitors, readers, users, contributors, and anyone else who accesses or interacts with FactAdviser.
About FactAdviser
FactAdviser is an independent online trust verification and consumer education platform.
Our platform provides educational content, verification resources, online safety guides, scam awareness articles, comparisons, reviews, and other information designed to help people make more informed decisions before trusting websites, businesses, brands, companies, applications, online services, email addresses, phone numbers, IP addresses, crypto wallets, IBANs, and other digital entities.
The information published on FactAdviser is intended to support informed decision-making by providing educational resources and practical guidance. While we strive to provide reliable and up-to-date information, users remain responsible for evaluating their own circumstances before making important decisions.
Acceptance of These Terms
By accessing, browsing, or using FactAdviser, you confirm that you accept these Terms and agree to comply with them.
If you are using the website on behalf of a company, organisation, or other legal entity, you represent that you have the authority to bind that entity to these Terms.
If you do not accept these Terms, you should not access or continue using the website.
Your continued use of FactAdviser after changes are published constitutes your acceptance of the revised Terms.
Eligibility to Use the Website
FactAdviser is intended for individuals who are legally permitted to access online services under the laws applicable in their country or jurisdiction.
By using our website, you confirm that:
- You have the legal capacity to agree to these Terms.
- You will use the website only for lawful purposes.
- You will not use the website in a way that violates applicable laws or regulations.
- Any information you provide through our website is accurate and truthful to the best of your knowledge.
Parents or legal guardians are responsible for supervising the online activities of minors who access FactAdviser.
Global Availability
FactAdviser is available to users around the world.
Our educational content, verification resources, reviews, comparisons, and online safety information are intended to serve an international audience. However, laws, regulations, products, and online services may differ from one country to another.
Although we aim to provide information that is broadly useful, some content may not apply equally in every location. Users are responsible for ensuring that their use of the website and any actions they take based on our content comply with the laws and regulations applicable in their own country or region.
Nothing published on FactAdviser should be interpreted as replacing professional legal, financial, investment, cybersecurity, or other specialist advice.
Changes to These Terms
We may update these Terms and Conditions from time to time to reflect changes to our website, services, legal requirements, or operational practices.
When significant changes are made, the revised version will be published on this page together with the updated revision date.
By continuing to use FactAdviser after updated Terms have been published, you agree to the revised version.
If you do not agree with any changes, you should discontinue using the website.
Your Use of FactAdviser
FactAdviser is provided to help users access educational information, verification resources, and consumer protection content.
When using our website, you agree to act responsibly and respectfully.
You agree not to:
- Use the website for unlawful purposes.
- Attempt to interfere with the security or operation of the website.
- Introduce viruses, malware, or harmful code.
- Attempt to gain unauthorised access to any part of the website or its systems.
- Copy, scrape, or reproduce substantial portions of our content without permission.
- Misrepresent information obtained from FactAdviser.
- Use automated tools to overload, disrupt, or misuse our services.
- Engage in activities that may negatively affect other users or the operation of the website.
We reserve the right to restrict or suspend access where necessary to protect the integrity, security, or proper operation of FactAdviser.
Website Availability
We work to keep FactAdviser available and operating reliably. However, we cannot guarantee that the website will always be available without interruption.
From time to time, access may be affected by scheduled maintenance, technical issues, software updates, internet connectivity problems, or circumstances beyond our control.
We reserve the right to modify, suspend, or discontinue any part of the website, temporarily or permanently, without prior notice where necessary.
Users acknowledge that uninterrupted access cannot be guaranteed.
Absolutely. We’ll continue building it as one seamless document.
Intellectual Property Rights
Unless otherwise stated, all content available on FactAdviser is the property of FactAdviser or is used with appropriate permission. This includes, but is not limited to, our website design, branding, logo, articles, guides, graphics, icons, images, text, layouts, downloadable materials, verification reports, databases, software, and other original content published on this website.
These materials are protected by applicable intellectual property and copyright laws.
You may read, print, and share our content for your personal, non-commercial use, provided that you do not modify the content or remove any copyright, trademark, or ownership notices.
Without our prior written permission, you may not:
- Copy or republish our content in full.
- Sell, license, or commercially distribute our content.
- Reproduce our articles on another website or publication.
- Modify or create derivative works based on our content.
- Use our logo, branding, or trademarks in a way that suggests approval, endorsement, or partnership.
If you wish to reference or quote our content, you may do so by using short excerpts and providing appropriate credit to FactAdviser.
Trademarks
“FactAdviser,” our logo, slogan, branding elements, and any associated trademarks or service marks displayed on this website belong to FactAdviser unless otherwise stated.
Nothing contained on this website grants permission to use our trademarks without prior written consent.
Any unauthorised use of our brand identity may result in appropriate action to protect our intellectual property rights.
User Responsibilities
By using FactAdviser, you agree to use the website responsibly and respectfully.
You are responsible for ensuring that any information you submit through our website is accurate and does not violate the rights of others.
You also agree not to use FactAdviser in any manner that could interfere with the operation, security, or availability of the website.
We encourage all users to act responsibly when relying on information published on our platform and to carry out their own research before making important decisions.
Acceptable Use
FactAdviser is intended to be used for lawful purposes only.
You agree that you will not use the website to:
- Break or violate any applicable law or regulation.
- Upload or distribute malicious software, viruses, or harmful code.
- Attempt to gain unauthorised access to our systems or servers.
- Interfere with the security, stability, or performance of the website.
- Impersonate another person or organisation.
- Submit false, misleading, or fraudulent information.
- Collect personal information about other users without permission.
- Use automated software or bots to overload or misuse our services.
- Attempt to reverse engineer, exploit, or compromise any feature of the website.
We reserve the right to investigate any activity that appears to violate these Terms and may take appropriate action where necessary.
User Accounts
Some features of FactAdviser may require users to create an account now or in the future.
Where user accounts are available, you will be responsible for maintaining the confidentiality of your login credentials and for all activities carried out under your account.
You agree to:
- Provide accurate registration information.
- Keep your account information up to date.
- Protect your password from unauthorised access.
- Notify us promptly if you believe your account has been compromised.
We reserve the right to suspend or terminate accounts that violate these Terms or are used in a way that may harm FactAdviser or other users.
User Submissions
Certain areas of FactAdviser may allow users to submit information, including contact forms, comments, feedback, correction requests, scam reports, business enquiries, or other communications.
By submitting content to FactAdviser, you confirm that:
- The information you provide is truthful to the best of your knowledge.
- You have the right to submit the information.
- Your submission does not infringe the rights of another person or organisation.
- Your submission does not contain unlawful, defamatory, abusive, or misleading material.
Submitting information does not guarantee that it will be published, investigated, or responded to in a particular way.
Where appropriate, we may review, edit, decline, or remove user submissions that do not comply with our policies or that we consider inappropriate.
Community Standards
We want FactAdviser to remain a respectful and trustworthy platform for everyone.
When interacting with our website, we ask users to communicate respectfully and avoid behaviour that could negatively affect other visitors or the integrity of our platform.
The following types of content are not permitted:
- Hate speech or discriminatory language.
- Harassment or abusive behaviour.
- Threats or intimidation.
- Spam or promotional content.
- Fraudulent or misleading information.
- Illegal content.
- Content that infringes intellectual property rights.
- Malicious software or harmful links.
We reserve the right to remove content or restrict access where necessary to maintain a safe and respectful environment.
Future Services
As FactAdviser continues to grow, we may introduce additional features, verification tools, educational resources, premium services, or other functionality.
Any new features made available through the website will also be governed by these Terms unless separate terms are provided for a specific service.
We may modify, improve, replace, or discontinue features at our discretion in order to improve the overall experience and functionality of the platform.
Verification Services
FactAdviser provides verification resources designed to help users better understand websites, businesses, online services, digital identities, and other subjects available through our platform.
Our verification services are intended to provide helpful information based on the data available at the time a verification is performed. They are designed to support informed decision-making and should not be interpreted as a guarantee, certification, or official approval of any website, business, individual, or organisation.
Information available online can change at any time. As a result, verification results may also change as new information becomes available.
Users should consider verification reports as one source of information and are encouraged to carry out their own research before making important decisions.
Trust Scores
FactAdviser may assign a Trust Score to certain websites, businesses, services, or digital entities based on information available during the verification process.
A Trust Score is intended to provide a simplified summary of our assessment. It should not be interpreted as a guarantee of safety, reliability, legitimacy, or future performance.
A high Trust Score does not mean a website or service is completely free from risk, and a lower Trust Score does not necessarily mean fraud or illegal activity exists.
Readers should always review the complete findings and consider multiple factors before making decisions.
Reviews and Educational Content
FactAdviser publishes reviews, educational articles, comparisons, tutorials, scam awareness content, and online safety resources for informational purposes.
The information presented reflects our assessment based on the facts, research, and publicly available information accessible at the time the content is created or updated.
Because businesses, websites, products, and online services may change over time, previously published content may not always reflect future developments.
Readers should use our content as a helpful resource rather than the sole basis for making legal, financial, commercial, or personal decisions.
Accuracy of Information
We make reasonable efforts to ensure the information published on FactAdviser is accurate, clear, and up to date.
However, we cannot guarantee that every article, review, guide, or verification report will always remain complete, current, or free from errors.
Information may become outdated due to changes beyond our control, including changes made by third parties.
Where appropriate, we review and update our content, but users remain responsible for verifying information independently before relying on it.
Third-Party Websites
FactAdviser may include links to external websites for additional information, reference, convenience, or educational purposes.
These websites are operated independently and are not under our control.
We are not responsible for the content, security, availability, accuracy, products, services, privacy practices, or policies of third-party websites.
Accessing external websites is entirely at your own discretion and risk.
We encourage users to review the policies and terms of any website they visit before providing personal information or completing transactions.
Affiliate Links
Some pages on FactAdviser may include affiliate links.
If you choose to purchase a product or register for a service through one of these links, we may receive a commission from the provider.
Using an affiliate link will never increase the price you pay.
Affiliate partnerships do not determine the information we publish or the conclusions we reach within our editorial content.
Additional information about affiliate relationships is available in our Affiliate Disclosure.
Advertising
FactAdviser may display advertisements provided by advertising partners or advertising networks.
Advertisements are clearly separate from our editorial content and should not be interpreted as recommendations or endorsements unless explicitly stated.
We are not responsible for products, services, offers, claims, or promotions presented by advertisers.
Any interaction or transaction between you and an advertiser is solely between you and that advertiser.
Third-Party Services
Our website may integrate services provided by third parties to improve functionality and user experience.
These services may include analytics providers, embedded media, mapping services, email providers, security services, payment processors, or other technologies.
Your use of these third-party services may also be subject to the terms and privacy policies of the respective providers.
FactAdviser is not responsible for the operation or policies of independent third-party services.
Future Features
As FactAdviser continues to develop, new verification tools, educational resources, interactive services, and platform features may be introduced.
Some of these services may operate under additional guidelines or service-specific terms.
Where separate terms apply, they will be made available alongside the relevant feature.
Continued use of those services will indicate your acceptance of any applicable additional terms.
No Professional Advice
The content available on FactAdviser is intended for general educational and informational purposes only.
Nothing published on this website should be interpreted as legal advice, financial advice, investment advice, tax advice, cybersecurity consulting, or any other form of professional advice.
Users should seek guidance from qualified professionals when making decisions that require specialist knowledge.
Disclaimer of Warranties
FactAdviser is provided on an “as is” and “as available” basis.
While we work hard to provide reliable information, useful educational resources, and a dependable platform, we do not guarantee that the website will always be available, uninterrupted, secure, or free from errors.
We also do not guarantee that every article, verification report, review, guide, comparison, or other content will always be complete, current, or suitable for every user’s individual circumstances.
The internet changes constantly. Websites, businesses, technologies, and online services may change without notice. As a result, information published on FactAdviser may become outdated over time.
Your use of the website is entirely at your own discretion and risk.
Limitation of Liability
To the fullest extent permitted by applicable law, FactAdviser, its owners, contributors, editors, and representatives shall not be liable for any direct, indirect, incidental, consequential, special, or punitive loss or damage arising from or related to:
- Your use of, or inability to use, the website.
- Reliance on information published by FactAdviser.
- Decisions made based on reviews, verification reports, guides, or other content.
- Technical interruptions or temporary unavailability of the website.
- Errors, omissions, or outdated information.
- Third-party websites, products, or services linked from our platform.
- Unauthorized access to or misuse of information transmitted through the website.
Nothing in these Terms excludes liability where such exclusion is not permitted under applicable law.
Indemnification
You agree to defend, indemnify, and hold harmless FactAdviser, its owners, editors, contributors, employees, contractors, and affiliates from any claims, liabilities, damages, losses, costs, or expenses arising from:
- Your use of the website.
- Your breach of these Terms and Conditions.
- Your violation of any applicable law or regulation.
- Your infringement of the rights of another person or organisation.
- Any content or information you submit through the website.
This obligation continues even after you stop using FactAdviser.
Privacy
Your privacy is important to us.
Our collection, use, storage, and protection of personal information are explained in our Privacy Policy.
By using FactAdviser, you acknowledge that your information may be processed in accordance with our Privacy Policy.
We encourage all users to read the Privacy Policy carefully to understand how personal information is handled.
Suspension or Termination of Access
We reserve the right to restrict, suspend, or terminate access to all or part of FactAdviser, with or without notice, where we reasonably believe it is necessary to:
- Protect the security of the website.
- Prevent misuse of our services.
- Enforce these Terms and Conditions.
- Comply with legal obligations.
- Protect the rights, safety, or interests of FactAdviser, our users, or third parties.
Termination of access does not affect any rights or obligations that arose before the termination took effect.
Changes to the Website
FactAdviser is continually evolving.
We may update, improve, replace, remove, or discontinue features, services, tools, content, or functionality at any time without prior notice.
We are under no obligation to maintain any specific feature or service indefinitely.
Governing Law
FactAdviser serves users around the world. Our website is designed for an international audience and is accessible from many countries.
These Terms and Conditions shall be governed by and interpreted in accordance with the laws of the Federal Republic of Nigeria, without regard to its conflict of law principles.
By using FactAdviser, you agree that any dispute arising from or relating to these Terms or your use of the website shall be subject to the applicable laws of the Federal Republic of Nigeria.
Nothing in these Terms limits or removes any mandatory legal rights or consumer protections that apply to you under the laws of your own country where those rights cannot legally be excluded.
Severability
If any provision of these Terms and Conditions is found to be unlawful, invalid, or unenforceable by a court or competent authority, the remaining provisions shall continue to remain in full force and effect.
Any invalid provision shall be interpreted as closely as possible to reflect its original purpose while remaining legally enforceable.
Entire Agreement
These Terms and Conditions, together with our Privacy Policy, Cookie Policy, Disclaimer, Affiliate Disclosure, and any other policies published on FactAdviser, constitute the entire agreement between you and FactAdviser regarding your use of the website.
They replace any previous understandings or agreements relating to the use of the website.
Contact Information
If you have any questions about these Terms and Conditions or need clarification regarding your use of FactAdviser, you can contact us using the details below.
General Enquiries
hello@factadviser.com
Customer Support
support@factadviser.com
Editorial Enquiries
editorial@factadviser.com
Privacy Matters
privacy@factadviser.com
Press & Media
press@factadviser.com
Report Abuse
abuse@factadviser.com
Final Statement
Thank you for visiting FactAdviser.
By using our website, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.
We appreciate the trust you place in FactAdviser and remain committed to providing reliable educational content, practical verification resources, and information that helps people make safer and more informed decisions online.