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Terms & Conditions

Last Updated: January 2026


Website: primepickora.com
Email: primepickora@gmail.com
Phone: +966 56 942 0980

1. Acceptance of Terms

By accessing and using Prime Pick (the “Website”), you accept and agree to be bound by these Terms and Conditions, our Privacy Policy, and Affiliate Disclosure. If you disagree with any part, you must not use our Website.

1.1 Eligibility

You must be:

  • At least 18 years old
  • A resident of USA, Canada, or UK
  • Capable of forming binding contracts
  • Using the Website for personal, non-commercial purposes

1.2 Updates to Terms

We reserve the right to modify these terms at any time. Continued use after changes constitutes acceptance. We will notify users of significant changes via email or website notice.

2. Services Description

Prime Pick provides:

2.1 Financial Guidance Services:

  • Personalized financial roadmaps
  • Budgeting templates and tools
  • Educational content on money management
  • Country-specific financial strategies for USA/Canada/UK

2.2 Product Review Services:

  • Amazon product recommendations
  • Shopping guides and comparisons
  • Affiliate-linked product suggestions
  • Consumer education content

2.3 Important Disclaimer:

  • Not financial advice: Educational content only
  • Not investment advice: No securities recommendations
  • Not professional advice: Consult licensed professionals
  • Information only: For educational purposes

3. User Responsibilities

3.1 Account Security

If you create an account, you agree to:

  • Maintain confidentiality of credentials
  • Notify us immediately of unauthorized access
  • Accept responsibility for all activities under your account
  • Provide accurate, current information

3.2 Acceptable Use

You agree NOT to:

  • Violate any laws or regulations
  • Infringe intellectual property rights
  • Transmit harmful or malicious content
  • Attempt unauthorized access
  • Use for commercial purposes without permission
  • Impersonate others
  • Collect user data without consent
  • Interfere with Website operations

3.3 Content Submissions

When submitting content (comments, reviews, questions):

  • You retain ownership
  • Grant us perpetual license to use
  • Ensure content is lawful and appropriate
  • Accept responsibility for submissions

4. Financial Content Disclaimer

4.1 No Financial Advice

All financial content is:

  • Educational in nature
  • General information only
  • Not personalized financial advice
  • For informational purposes

4.2 Professional Consultation Required

You agree to:

  • Consult licensed financial advisors
  • Verify information independently
  • Make your own financial decisions
  • Accept full responsibility for financial choices

4.3 No Guarantees

We do NOT guarantee:

  • Financial results or outcomes
  • Accuracy of projections
  • Suitability for your situation
  • Investment performance

4.4 Regional Differences

Financial information varies by:

  • USA: IRS regulations, state laws
  • Canada: CRA rules, provincial differences
  • UK: HMRC requirements, Brexit impacts

You are responsible for verifying local regulations.

5. Affiliate Relationships

5.1 Amazon Associates Program

We participate in:

  • Amazon US Associates Program
  • Amazon Canada Associates Program
  • Amazon UK Associates Program

5.2 Commission Disclosure

  • We earn commissions on qualifying purchases
  • Your price does not increase
  • Commissions support our operations
  • Full disclosure in Affiliate Policy

5.3 Product Recommendations

Our recommendations are:

  • Based on research and testing
  • Independent of commission rates
  • Provided as consumer guidance
  • Not guarantees of product performance

5.4 Amazon’s Terms Apply

All Amazon purchases are subject to:

  • Amazon’s Conditions of Use
  • Amazon’s Privacy Notice
  • Regional Amazon policies
  • Amazon customer service procedures

6. Intellectual Property

6.1 Our Content

All content on Prime Pick is protected by:

  • Copyright laws
  • Trademark protections
  • Other intellectual property rights

Protected content includes:

  • Articles and blog posts
  • Financial templates
  • Graphics and designs
  • Software and tools
  • Branding elements

6.2 Limited License

We grant you limited, non-exclusive license to:

  • Access and view content
  • Download templates for personal use
  • Share links to our content
  • Print content for personal reference

6.3 Restrictions

You may NOT:

  • Copy, modify, or distribute content
  • Use content for commercial purposes
  • Remove copyright notices
  • Create derivative works
  • Scrape or collect content automatically

6.4 User Content License

By submitting content, you grant us:

  • Worldwide, royalty-free license
  • Right to use, modify, publish
  • Perpetual, irrevocable rights
  • Right to sublicense to service providers

7. Third-Party Links and Content

7.1 External Links

Our Website contains links to:

  • Amazon product pages
  • Financial resources
  • Educational websites
  • Service providers

7.2 No Endorsement

Links do NOT constitute:

  • Endorsement of content
  • Guarantee of accuracy
  • Approval of services
  • Affiliation with linked sites

7.3 Third-Party Responsibility

We are NOT responsible for:

  • Third-party website content
  • Products or services offered
  • Privacy practices of others
  • Accuracy of external information

7.4 Amazon Specific

When linking to Amazon:

  • You leave our Website
  • Amazon’s terms apply
  • We have no control over transactions
  • Amazon handles all customer service

8. Limitation of Liability

8.1 No Warranties

The Website is provided “as is” without warranties of:

  • Merchantability
  • Fitness for particular purpose
  • Accuracy or completeness
  • Non-infringement

8.2 Financial Decisions

We are NOT liable for:

  • Financial losses or gains
  • Investment decisions
  • Tax consequences
  • Financial planning outcomes

8.3 Product Recommendations

We are NOT liable for:

  • Product performance
  • Amazon transactions
  • Shipping or delivery issues
  • Manufacturer defects

8.4 Maximum Liability

Our maximum liability to you is:

  • Amount paid to us (if any)
  • Or $100 USD, whichever is greater

8.5 Exclusions

Limitations do NOT apply to:

  • Death or personal injury
  • Fraud or fraudulent misrepresentation
  • Any liability not excludable by law

9. Indemnification

You agree to indemnify and hold harmless Prime Pick from:

  • Your use of the Website
  • Violation of these terms
  • Infringement of third-party rights
  • Any claims arising from your actions

This includes:

  • Legal fees and costs
  • Damages and settlements
  • Investigation expenses
  • Court costs

10. Termination

10.1 By Us

We may terminate or suspend:

  • For violation of terms
  • Suspected fraudulent activity
  • Legal requirements
  • Operational necessities

10.2 By You

You may stop using:

  • At any time
  • Without notice
  • By ceasing use
  • Deleting account (if applicable)

10.3 Effect of Termination

Upon termination:

  • Your right to use ends
  • Account deletion may occur
  • Certain provisions survive
  • Content may be retained as needed

11. Dispute Resolution

11.1 Informal Resolution

We prefer to resolve disputes:

  • Through direct communication
  • Via email first
  • Within 30 days
  • Amicably when possible

11.2 Arbitration Agreement

Any unresolved disputes will be:

  • Settled by binding arbitration
  • Conducted in English
  • Location convenient to both parties
  • According to arbitration rules

11.3 Class Action Waiver

You waive rights to:

  • Class action lawsuits
  • Class-wide arbitration
  • Representative actions
  • Consolidation with other claims

11.4 Governing Law

These terms are governed by:

  • Laws of your country of residence
  • Regional commercial laws
  • International commercial terms
  • Applicable consumer protection laws

12. Regional Specific Terms

12.1 For USA Users:

  • Subject to US federal and state laws
  • California consumer rights apply
  • FTC regulations govern affiliate marketing
  • State-specific disclosures provided

12.2 For Canada Users:

  • Subject to Canadian federal and provincial laws
  • French language rights where applicable
  • PIPEDA privacy standards
  • Provincial consumer protection laws

12.3 For UK Users:

  • Subject to UK laws and regulations
  • Brexit-adjusted terms apply
  • Consumer Rights Act 2015 compliance
  • ICO data protection requirements

13. Affiliate Marketing Compliance

13.1 FTC Compliance (USA):

  • Clear and conspicuous disclosures
  • No deceptive practices
  • Material connection disclosure
  • 16 CFR Part 255 compliance

13.2 Canadian Compliance:

  • Competition Act adherence
  • Provincial advertising standards
  • Bilingual disclosures where required
  • No false or misleading claims

13.3 UK Compliance:

  • CAP Code compliance
  • ASA regulations adherence
  • Clear affiliate identification
  • No misleading omissions

14. Financial Services Compliance

14.1 Regulatory Status:

We are NOT:

  • Registered investment advisors
  • Licensed financial planners
  • Securities dealers or brokers
  • Insurance agents or agencies

14.2 Educational Purpose Only:

Content is for:

  • General education
  • Information sharing
  • Consumer awareness
  • Skill development

14.3 Professional Boundaries:

We do NOT:

  • Provide personalized advice
  • Manage money or investments
  • Execute transactions
  • Guarantee results

15. Digital Millennium Copyright Act (DMCA)

15.1 Copyright Protection:

We respect intellectual property and respond to:

  • DMCA takedown notices (USA)
  • Similar notices in Canada and UK
  • Copyright infringement claims
  • Trademark violation reports

15.2 Notification Process:

Send infringement notices to:
Email: primepickora@gmail.com
Subject: “Copyright Infringement Notice”

Include:

  • Identification of copyrighted work
  • Location of infringing material
  • Your contact information
  • Statement of good faith belief
  • Statement under penalty of perjury

15.3 Counter-Notification:

If you believe removal was mistaken:

  • Submit counter-notice
  • Include required information
  • Accept service of process
  • Understand legal consequences

16. Force Majeure

We are not liable for:

  • Events beyond reasonable control
  • Natural disasters
  • Government actions
  • Technical failures
  • Internet disruptions
  • Third-party service outages

17. Severability

If any provision is invalid:

  • That provision is modified minimally
  • Remaining terms remain effective
  • Entire agreement remains operative
  • Invalid provision replaced with valid one

18. Entire Agreement

These terms constitute the entire agreement regarding:

  • Use of Prime Pick
  • All services provided
  • Replaces prior agreements
  • Supersedes all communications

19. Contact Information

For questions about these Terms:

Email: primepickora@gmail.com
Phone: +966 56 942 0980
Response Time: 7-10 business days

20. Acknowledgment

By using Prime Pick, you acknowledge:

  • Reading these Terms and Conditions
  • Understanding your responsibilities
  • Accepting all provisions
  • Agreeing to be legally bound

Last Updated: January 2026
Next Review: June 2026

Prime Pick: Empowering Financial Literacy Through Education