Terms of Use

A. Acceptance of Terms

Your access to and use of this website constitutes your acceptance of these Terms of Use and our Privacy Policy, which is incorporated by reference. These terms apply to all visitors, users, and others who access this website.

These terms are governed by the laws of Ireland. Modoyi Fuhowu reserves the right to modify these terms at any time. Continued use of the website following any modification constitutes acceptance of the revised terms.

B. Nature of Content

The content published on modoyi-fuhowu.info is educational and informational in nature. It is designed to describe general frameworks and approaches to household budgeting and financial awareness. All content is written for a general audience and is not tailored to any individual's specific financial circumstances.

The frameworks described on this site are educational models. They do not represent the only approaches available, and their suitability for any particular household depends on circumstances that this site cannot assess.

No content on this website constitutes an endorsement of any financial product, banking institution, application, or service. No commercial relationships exist between Modoyi Fuhowu and any financial services provider.

C. No Financial Advice

Nothing on this website constitutes financial advice, investment advice, tax advice, or legal advice of any kind. Modoyi Fuhowu is not authorised or regulated by the Central Bank of Ireland to provide financial advice or services.

The content here is provided for general educational purposes only. You should not rely on the content of this website as a basis for making any financial, investment, or other decisions. For advice tailored to your circumstances, you should consult a qualified financial adviser authorised and regulated in Ireland.

For households experiencing financial difficulty in Ireland, the Money Advice and Budgeting Service (MABS) provides free and independent support. MABS can be contacted at mabs.ie or on 0818 07 2000.

D. Intellectual Property

All content on this website — including text, graphics, images, layout, and code — is the property of Modoyi Fuhowu or is used with appropriate permission. Content is protected under Irish copyright law and applicable EU directives.

You may access and read the content on this site for personal, non-commercial educational purposes. You may not reproduce, distribute, transmit, modify, or create derivative works from any content without prior written permission from Modoyi Fuhowu.

Requests for permission to reproduce content may be directed to [email protected].

E. Permitted Use

You may use this website for lawful purposes only. Permitted uses include reading and accessing educational content, using the contact form to submit a genuine enquiry, and sharing links to this website for non-commercial purposes.

You agree not to use this website in any way that violates applicable Irish or EU law, infringes the rights of others, or interferes with the operation of the website.

F. Prohibited Conduct

The following uses of this website are expressly prohibited: attempting to gain unauthorised access to any part of the website or its underlying systems; using automated tools to scrape, copy, or index the content of this website without permission; submitting false or misleading information through any form on this site; using the contact form for spam, unsolicited commercial communication, or any purpose other than genuine enquiry; and attempting to interfere with the website's security, integrity, or performance.

Modoyi Fuhowu reserves the right to restrict access to the website to any person or entity engaging in prohibited conduct.

G. External Links

This website may contain links to third-party websites for reference purposes. These links are provided as a convenience only. Modoyi Fuhowu does not control, endorse, or take responsibility for the content, privacy practices, or terms of any external website.

The inclusion of a link to an external website does not imply any relationship, sponsorship, or endorsement between Modoyi Fuhowu and the linked site.

H. Disclaimer of Warranties

This website and its content are provided on an "as is" and "as available" basis without any warranties of any kind, express or implied. Modoyi Fuhowu does not warrant that the website will be uninterrupted, error-free, or free from viruses or other harmful components.

While we make reasonable efforts to ensure that the content of this site is accurate and up to date, we do not warrant the completeness, accuracy, or currency of any information published here. Educational frameworks described on this site reflect general approaches and may not reflect the most recent developments in personal finance education.

Nothing in these terms excludes or limits any statutory rights you may have under Irish consumer law that cannot be excluded or limited by contract.

I. Limitation of Liability

To the extent permitted by Irish law, Modoyi Fuhowu shall not be liable for any direct, indirect, incidental, special, or consequential loss arising from your use of or inability to use this website or its content, including any loss arising from reliance on information published here.

This limitation of liability does not apply to liability for death or personal injury caused by negligence, liability for fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited under Irish law.

J. Governing Law

These Terms of Use are governed by and construed in accordance with the laws of Ireland. Any disputes arising from or in connection with these terms or your use of this website shall be subject to the exclusive jurisdiction of the courts of Ireland.

If any provision of these terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.

K. Amendments

Modoyi Fuhowu may update these Terms of Use at any time. The date of the most recent revision is shown at the top of this page. We encourage you to review these terms periodically. Your continued use of the website following any update constitutes acceptance of the revised terms.

If you have questions about these terms, please contact us at [email protected] or write to us at 6 Village Square, Tallaght, Dublin, Ireland.