Terms of Use

Updated on December 22, 2025.

Follow Riches, located in https://followriches.com/This platform is operated by ActiveView OÜ, a private limited company registered in the Republic of Estonia (Registration Code 16639782), with its registered office at Kotkapoja tn 2a 10, Tallinn 10615, Harju, Estonia. The platform offers independent content, written based on research and editorial analysis, focusing on information about vehicle financing, auto loans, purchase methods, and financial planning related to car acquisition. Our articles are designed to help readers understand how financial decisions related to financing work, including interest rates, terms, contracts, credit scores, and budgetary impact, always based on official sources and verifiable public materials.

We believe that understanding how to consciously evaluate, compare, and manage financing options contributes to more balanced financial decisions aligned with each reader's reality. Whether analyzing the possibility of financing a car for the first time, comparing purchase methods, understanding how credit influences approval, or evaluating the total cost of financing over time, Follow Riches offers accessible information to help you interpret terms, conditions, and financial structures in a practical way. Our mission is to make the world of vehicle financing more understandable, transparent, and truly useful for those seeking information before making significant financial commitments.

International Content Notice: Follow Riches operates from Estonia, within the European Union, and all content is produced within this institutional context. Our editorial material may mention financial practices, credit structures, or regulatory environments of different countries and regions, such as the United States, Brazil, South Africa, or other markets. Each of these locations follows its own legal systems, regulatory standards, and financial industry practices, which may differ significantly from one another.

The information published on this website is intended for a broad international audience and is not customized to meet the specific legal requirements of any particular country or jurisdiction. Laws, credit rules, financial contracts, tax obligations, and financing-related regulations may vary depending on where you reside. Follow Riches does not represent that the content presented is adequate, applicable, or sufficient to meet specific local legal requirements. Readers are encouraged to consult official sources, applicable legislation, or qualified professionals before making any financial decisions based on the information presented here.

All content published on this platform is developed by the independent editorial team at Follow Riches. From explanatory guides on financing options to conceptual analyses of credit, contracts, and financial planning, everything you read is produced without the influence of brands or commercial institutions, carefully reviewed, and aimed at readers seeking clear information in an often complex financial landscape. Our goal is to reduce the common confusion in research on car financing by offering organized, accessible, and informative content based on public data and responsible editorial analysis.

By using Follow Riches, you agree to the policies, notices, and terms of use described throughout the platform. In this document and on other pages of the site, the terms “we,” “our,” and “us” refer to Follow Riches and its editorial team responsible for the published content.

Although some of our articles mention financial institutions, credit options, types of financing, or publicly available contractual structures, we do not sell, broker, manage, or endorse any financial products. We have no affiliation with banks, finance companies, dealerships, automakers, fintechs, or regulatory bodies mentioned in the content. Follow Riches does not provide quotes, official simulations, personalized financial advice, or commercial recommendations. We also do not offer customer support for external services, nor do we participate in paid promotional partnerships, affiliate programs, or commercial sponsorships.

Our work is strictly informational. We share content based on public information, institutional materials, official documents, and independent editorial research, with the goal of helping you better understand concepts, structures, and terminology related to vehicle financing. When we mention an institution, modality, or financial practice, this is only to contextualize the topic discussed. We recommend that all readers confirm details directly through the official channels of the institutions involved before making any financial decision. Follow Riches does not receive commissions, payments, or incentives for mentioning any financial product, company, or organization. All references are included exclusively for educational and explanatory purposes.

Our articles are aimed at readers who want to better understand the world of car financing, from those considering this option for the first time to people who already have an active loan and are looking to better understand its impacts or alternatives. If you want to learn about contracts, interest rates, terms, early repayment, credit scores, or financial planning associated with buying a vehicle, our content aims to offer practical, unbiased, and easy-to-understand information. Our purpose is to support more informed decisions through clear and contextualized information.

We respect your privacy. We recommend reading our Privacy Policy to understand how your personal data is collected, stored, and used when you visit or interact with Follow Riches. We comply with applicable data protection regulations and do not sell, share, or misuse personal information.

Follow Riches is funded by advertising displayed through Google AdSense, which allows us to maintain free access to content for all readers. These ads are managed automatically by Google and are clearly separate from our editorial material. We do not receive commissions for funding, contracts, or actions taken as a result of these ads. Our editorial line remains independent and is not subject to commercial influence.

To fully understand how the site should be used, including platform limitations and our responsibilities as an independent information resource, please consult our Terms of Use. This document describes what you can expect from Follow Riches, how to interact responsibly with the content, and what we offer—and what we don't offer—as an information portal.

Copyright Notice: All written content, editorial structure, and materials present in https://followriches.com/ Our content is protected by applicable copyright laws. You may quote or reference our content provided you give proper credit and provide a link to the original source. Unauthorized reproduction, redistribution, or use of the material is prohibited. Logos, trade names, and third-party materials mentioned in the articles belong to their respective owners and are used solely for informational and identification purposes, as permitted by fair use principles.

Please read our Terms of Use carefully. If you do not agree with any part of these terms, we recommend that you do not use Follow Riches or any of its features.

Article I – User Agreement

1.1 When accessing the Follow Riches platform in https://followriches.com/By doing so, you confirm that you have read, understood, and accepted the Terms of Use and Privacy Policy. These documents establish the legal framework governing your access to and interaction with all content, resources, and services offered by Follow Riches.

1.2 By using this website, you also represent that you have the legal capacity to enter into binding agreements and that you are at least 16 years of age. Your continued use of the platform constitutes your informed and voluntary acceptance of all applicable terms, policies, and conditions.

1.3 If you do not meet the eligibility criteria or do not agree with any part of the Terms of Use or Privacy Policy, you must immediately discontinue use of the Follow Riches website and all associated services, tools, and content.

Article II – Communication and Support

2.1 Follow Riches provides specific communication channels for users seeking assistance, wishing to send feedback, or intending to ask questions related to the platform and the informational content offered.

2.2 For support requests, problem reports, or general suggestions, we encourage users to contact us through our official form at [link to contact form]. https://followriches.com/contactUsing this form ensures your message is routed correctly and allows our team to respond efficiently and accurately.

Article III – User and Platform Responsibilities

3.1 All users accessing the Follow Riches platform must review and accept the Terms of Use and Privacy Policy before continuing to interact with the site. Each user is individually responsible for understanding and complying with the terms set forth in these documents when using any part of the platform and its associated features.

3.2 Follow Riches may include hyperlinks to external websites or digital services for the convenience of users. These third-party links are provided strictly for informational purposes. Follow Riches does not own, operate, sponsor, or formally endorse any third-party content, service, or platform that may be mentioned.

3.3 Users who choose to access or interact with external platforms linked by Follow Riches do so at their own discretion and assume full responsibility for reviewing the applicable terms, privacy practices, and security protocols adopted by these external entities.

3.4 Follow Riches assumes no responsibility for the operations, accuracy, data handling practices, or legal policies of any third-party website. We do not participate in or supervise transactions, communications, or agreements that may occur between users and external services. Such interactions are conducted entirely at the user's own risk.

3.5 Follow Riches uses advertising services, such as Google AdSense, to support the maintenance and production of free content. The presence of advertisements on our portal is strictly commercial and does not represent, under any circumstances, endorsement, partnership, or editorial affiliation between Follow Riches and the advertised brands, products, or services. Our editorial content is produced independently and impartially, without influence or connection to advertisers. Follow Riches is not responsible for the content, offers, or privacy policies of third-party websites accessed through these advertisements. Any interaction with advertisements is the sole responsibility of the user.

3.6 Although Follow Riches does not directly sell users' personal data, the use of automated advertising services, such as Google AdSense, may involve sharing data for behavioral advertising purposes across different contexts. Some state laws, such as the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), may classify this process as a "sale" or "sharing." For detailed information about our data practices and how to exercise your rights, including the right to opt out of the "sale" or "sharing" of personal information, please see our Privacy Policy.

3.7 Users are solely responsible for protecting their devices, personal data, and browsing environment against cyber threats, including but not limited to malware, phishing, spyware, and unauthorized access. Follow Riches disclaims all liability for any damages or losses arising from third-party threats or technical vulnerabilities beyond our direct control.

3.8 While reasonable efforts are made to maintain the stability and reliability of the Follow Riches platform, we cannot guarantee continuous or error-free operation. Users may occasionally experience service interruptions, technical issues, or delays caused by factors beyond our control, such as system failures or malicious cyberattacks. We are not liable for any inconvenience or data loss resulting from these situations.

3.9 Access to Follow Riches is provided free of charge. We do not solicit donations, offer subscription plans, or collect payments for the use of our informational content. Any payment request presented as coming from Follow Riches should be considered fraudulent and reported immediately.

3.10 To protect against phishing, impersonation attempts, or fraudulent communications, users should remain vigilant. Avoid clicking on suspicious links or downloading unknown attachments. If you receive a message claiming to be from Follow Riches that causes concern, report it immediately using the official form at [website address]. https://followriches.com/contact so that our team can investigate it.

Article IV – Prohibited Conduct

To ensure a safe, respectful, and professionally managed environment, Follow Riches strictly prohibits the following actions and behaviors in all areas of its platform:

Engaging in Illegal Activities

Users must not use Follow Riches to conduct, promote, or support any activity that violates applicable laws. The platform cannot be used to facilitate, encourage, or coordinate any form of illegal behavior.

Violation of Legal Norms

All users must comply with local, national, and international laws and regulations. Any conduct that violates these standards while using the platform will be dealt with through appropriate corrective or legal action.

Violation of Intellectual Property Rights

All original content on Follow Riches is protected by intellectual property laws. Users may not copy, reproduce, modify, distribute, or republish any material—including articles, graphics, or proprietary information—without prior written permission.

Harassment, Discrimination and Defamatory Conduct

Harassment, hate speech, and abusive behavior of any kind are strictly prohibited. This includes, but is not limited to, targeting individuals or groups based on race, ethnicity, gender, religion, sexual orientation, disability, or any protected status. Defamatory or threatening comments will not be tolerated.

Dissemination of False or Misleading Information

Users should not share content that they know to be false, misleading, or likely to cause error. All interactions—whether through comments, messages, or submissions—should reflect honest and accurate communication.

Distribution of Malicious Code

It is strictly forbidden to upload, link to, or distribute any type of unauthorized malware, spyware, ransomware, viruses, or tracking tools. Such actions will result in immediate suspension and may lead to legal consequences.

Misuse of Personal Information

Users may not collect, share, or misuse third-party personal data without clear and legal consent. The platform requires all users to respect privacy laws and data protection standards.

Fraudulent or Deceptive Conduct

Impersonation, identity theft, phishing attempts, or the creation of fraudulent profiles and communications are prohibited. Any attempt to deceive other users or the platform will be considered a serious violation.

Publishing Inappropriate or Obscene Content

It is not permitted to publish content that includes sexually explicit material, graphic violence, or any other content considered offensive, harmful, or inappropriate for a professional environment.

Manipulation of Platform Integrity or Security

Users may not attempt to hack, disrupt, reverse engineer, or circumvent any technical, security, or operational function of Follow Riches. Unauthorized access to any part of the platform's infrastructure is strictly prohibited.

Violations of any of the above guidelines may result in temporary suspension or permanent removal from the platform. In cases involving security threats, significant damage, or illegal activity, Follow Riches reserves the right to notify the relevant authorities and take legal action when appropriate.

Article V – Disclaimer of Warranties and Limitation of Liability

Follow Riches is committed to maintaining a well-organized and reliable platform. While reasonable efforts are made to ensure that all materials are accurate, up-to-date, and accessible, we cannot guarantee that the platform will be free from technical problems, delays, inaccuracies, or interruptions at all times.

All information, tools, and resources provided by Follow Riches are offered “as is” and “as available,” without any express or implied warranties. This includes, but is not limited to, warranties of accuracy, reliability, completeness, usefulness, merchantability, fitness for a particular purpose, or non-infringement. Users are solely responsible for how they interpret, use, or act upon the content presented.

We reserve the right to update, modify, suspend, restrict, or discontinue any section, service, or functionality of the platform at our sole discretion without prior notice. This may include adding, removing, or revising content or features at any time.

By accessing and using Follow Riches, you do so voluntarily and at your own risk. To the maximum extent permitted by applicable law, the following disclaimers apply:

• We do not guarantee that the platform will meet specific expectations, intended use cases, or individual needs.
• We do not guarantee the continuous availability or fault-free operation of the platform.
• We do not claim that the content will always reflect the latest legal, technical, or social developments.
• We assume no responsibility for third-party services, platforms, or websites mentioned or linked on our site.
• We do not endorse or assume responsibility for third-party results related to external resources cited on Follow Riches.

Under no circumstances will Follow Riches — including its editors, contributors, licensors, service providers, or affiliates — be liable for any direct, indirect, incidental, consequential, punitive, or special damages arising from your access to or use of the platform. This includes, but is not limited to:

• Waste of time, data, opportunity, or productivity;
• Technical interruptions or access errors beyond our control;
• Reputational, financial, or legal consequences arising from reliance on the content;
• Costs related to adopting, rejecting, or modifying actions based on the information presented.

These limitations apply regardless of the legal theory adopted and even if Follow Riches has been informed of the possibility of such damages.

By continuing to use this platform, you acknowledge and accept that Follow Riches assumes no responsibility for any decisions, consequences, or interpretations arising from the use of its content or resources.

Article VI – Duration and Legal Term

All provisions established in the Follow Riches Terms of Use will remain legally binding and fully applicable throughout the user's interaction with the platform. These terms apply continuously—regardless of the frequency, method, or type of access—and will remain in effect until formally modified, replaced, or revoked through an official notice or revision published on [website/platform name]. https://followriches.com/. 

In the event of any dispute, concern or legal claim arising from the use of Follow Riches — including issues relating to the Privacy Policy — users must initiate any formal complaint or legal proceeding within ninety (90) calendar days from the date the problem first occurred. Complaints submitted after this period may be considered invalid and subject to dismissal under applicable law due to being untimely.

This time limit aims to promote timely resolution and ensure that disputes are addressed while relevant facts and evidence remain accessible, accurate, and verifiable. Prompt communication contributes to a fair and efficient process for all parties involved.

Article VII – Applicable Law and Jurisdiction

7.1 Applicable Law

These Terms of Use, together with any additional agreements under which our Services are provided, shall be interpreted and enforced in accordance with the laws of the Republic of Estonia. All matters relating to the construction, validity and enforcement of these Terms shall be based exclusively on Estonian law, without reference to rules that may require the application of the laws of another jurisdiction.

7.2 Jurisdiction

By using our Services, you acknowledge and agree that any dispute, claim, or legal proceeding arising from these Terms of Use, or the obligations and responsibilities established between you and Follow Riches, shall be submitted exclusively to the Harju County Court in Tallinn, Estonia. This designated forum constitutes the sole venue for the resolution of such matters, unless applicable law requires a different venue.

7.3 Consumer Rights

If you qualify as a consumer residing in the European Union or another jurisdiction with mandatory consumer protection laws, this article does not limit or replace the legal guarantees provided by the binding legislation of your country of habitual residence. All legal rights that cannot be waived remain fully preserved.

Article VIII – Intellectual Property and Content Ownership

8.1 Ownership and Rights to the Content

All original material published on Follow Riches — including, but not limited to, written content, data visualizations, design elements, logos, icons, trademarks, multimedia, and platform functionalities — is protected by applicable intellectual property laws. This material is the exclusive property of Follow Riches or its licensed contributors. Any unauthorized reproduction, modification, translation, distribution, public display, or use of the platform's content without prior written consent is strictly prohibited.

8.2 Limitation of Liability

Follow Riches is not responsible for the accuracy, purpose, legality, or effects of any third-party or user-submitted content that may appear on the platform. This includes external links, embedded media, public comments, or references to third-party sources. Interaction with this type of content is at the user's own risk, and the user assumes full responsibility for any consequences. Follow Riches disclaims all liability for damages, inaccuracies, or losses—direct, indirect, incidental, or consequential—arising from interaction with non-original or third-party materials.

8.3 Handling Content Violations

Follow Riches reserves the right, at its sole discretion, to monitor, review, remove, or restrict any content that violates the platform's terms, legal requirements, or ethical standards. This includes, but is not limited to, illegal, misleading, plagiarized, defamatory, harmful, or otherwise inappropriate content. Enforcement actions may include content removal, temporary suspension, or permanent restriction of user access. In cases of serious or recurring violations, legal authorities may be notified when appropriate.

Article IX – Amendments to the Terms and Conditions

Follow Riches reserves the full right to revise, modify, update, or discontinue any part of its Terms of Use, Privacy Policy, or platform services at any time without prior notice. Such modifications may result from legal requirements, operational decisions, changes in service functionalities, or broader structural adjustments to the platform.

Users are solely responsible for periodically reviewing the Terms of Use to stay informed of any changes. Continued access to or use of the platform after the implementation of these modifications constitutes explicit acceptance of the revised terms.

Follow Riches cannot be held responsible for any inconvenience, data loss, dissatisfaction, or service interruption resulting from changes, removal of features, or partial or total suspension of services.

If you do not agree with the updated Terms or any modifications to the platform, you must immediately discontinue all use of Follow Riches and its related services.

Article X – Contact Information

If you have any questions related to these Terms, need assistance with any aspect of the platform, or wish to share general feedback about Follow Riches, you are encouraged to contact us through the official page: https://followriches.com/contact.  

We welcome questions, support requests, reports of technical problems, and constructive suggestions. While we strive to respond to all messages in a timely and respectful manner, response times may vary depending on the volume and complexity of the request.