Terms of Use

Effective as of May 5, 2026

Welcome to Fini (“Fini,” “we,” “us,” or “our“), an editorial platform exploring death, grief, mourning, remembrance, and end-of-life through cultural, personal, and practical lenses. Fini is owned and operated by The Liminal Group, Inc., a Delaware corporation authorized to do business in New York under the assumed name “Fini Media” (together, “Fini Media” or the “Company“), with a business mailing address at 2248 Broadway #2175, New York, NY 10024. These Terms of Use (these “Terms“) are a binding legal agreement between you (“you” or “your“) and Fini Media, and they govern your access to and use of the Fini website (the “Site“), our newsletters, our Substack publication, our email and content delivery systems, story-submission and contact forms, and any other online services, features, content, applications, or tools we make available that link to or reference these Terms (collectively, the “Services“).

Please read these Terms carefully. By accessing, browsing, or otherwise using the Services, by subscribing to any Fini newsletter or publication, by submitting a story or other content to us, or by clicking a button or checking a box indicating your acceptance of these Terms, you acknowledge that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy (which is incorporated by reference and includes our Cookie Policy). If you do not agree to these Terms, you may not access or use the Services.

These Terms have the same force and effect as a signed agreement in writing. If you wish to contact us, you may reach us by email at help@itsfini.com or by mail at The Liminal Group, Inc. d/b/a Fini Media, 2248 Broadway #2175, New York, NY 10024. We may contact you by email at any address you provide to us, by SMS or push notification (only if you have affirmatively opted in), or by posting a notice on the Services.

IMPORTANT NOTICES — PLEASE READ

No Professional Advice. The Services are an editorial platform. Nothing on the Services is, or is intended to be, medical, mental-health, psychiatric, legal, financial, tax, accounting, insurance, funeral, estate-planning, or other professional advice. See Section 5 (No Professional Advice; Sensitive Subject Matter).
Limitations on Liability and Warranty Disclaimers. Your use of the Services is at your own risk. Important limitations on our liability and disclaimers of warranties appear in Section 22 (Disclaimer of Warranties) and Section 23 (Limitation of Liability).
Class Action and Jury Trial Waivers. You and Fini Media each waive any right to a jury trial and the right to participate in a class, collective, or representative action, except as expressly described in Section 29 (Governing Law; Dispute Resolution) and Section 30 (Class Action Waiver; Jury Trial Waiver).
One-Year Limitation on Claims. Any claim arising out of or relating to these Terms or the Services must be filed within one (1) year after the claim accrues, except where prohibited by applicable law. See Section 25.
AI Training and Automated Extraction Prohibited. You may not use the Services or any Content to train, fine-tune, or develop any artificial intelligence or machine learning model, or to scrape, harvest, or otherwise extract data, except as expressly permitted in writing by Fini Media. See Section 9.
Privacy. Our collection and use of personal information is described in our Privacy Policy.
We recommend that you save or print a copy of these Terms and our Privacy Policy for your records.

1. Acceptance of These Terms

By accessing or using the Services in any manner, you agree to be bound by these Terms. These Terms apply whether you are a casual visitor reading content, a newsletter subscriber, a person submitting a story or message through a Fini form, a commissioned contributor (subject to any separately signed Contributor Agreement, which controls as to the matters it addresses), an affiliate-link clicker, or any other user. If you are using the Services on behalf of an entity, you represent that you have authority to bind that entity to these Terms, and “you” refers to both you individually and that entity.

2. Eligibility

The Services are intended for users who are at least thirteen (13) years of age. By using the Services, you represent and warrant that you are at least 13 years old. If you are between the ages of 13 and the age of majority in your jurisdiction (typically 18), you represent that your parent or legal guardian has reviewed and agreed to these Terms on your behalf and has consented to your use of the Services. We do not knowingly collect personal information from children under the age of 13. If you believe we have inadvertently collected information from a child under 13, please contact us at the help@itsfini.com so we can promptly delete it.

You must be at least eighteen (18) years of age to: (a) submit a Submission (as defined below) for editorial consideration; (b) participate in any Fini contest, sweepstakes, promotion, survey, or paid offering; or (c) enter into a Contributor Agreement. You must affirmatively confirm that you are 18 or older by checking the age-attestation box on the Fini submission form before submitting any Submission, and your submission of a Submission constitutes your representation that you are 18 or older.

If you reside in a jurisdiction in which use of the Services is prohibited or in which we have determined not to make the Services available, you may not use the Services.

3. Definitions

For purposes of these Terms:

“Content” means all text, articles, essays, narrative pieces, reported stories, interviews, guides, photographs, illustrations, graphics, logos, audio, video, audiovisual works, code, design elements, layouts, compilations, datasets, and other material made available on or through the Services, other than User Content.
“Contributor” means any writer, journalist, photographer, illustrator, editor, or other person engaged by Liminal Group under a Contributor Agreement.
“Contributor Agreement” means any signed agreement between Fini Media and a Contributor governing the creation, ownership, license, and compensation of commissioned editorial work, including any Master Contributor Agreement and any Statement of Work issued thereunder.
“Personal Information” has the meaning given to it in our Privacy Policy.
“Submission” has the meaning given in Section 13 below.
“Subscriber” means any person who has provided an email address to receive emails from Fini, whether through Substack or any other email-delivery platform Fini may add in the future.
“User Content” means any content (including Submissions and any other text, message, photograph, audio, video, or other material) that you upload, post, submit, transmit, or otherwise make available through the Services.

4. The Services

Fini publishes original editorial content concerning death, grief, mourning, remembrance, end-of-life, and related cultural, personal, and practical topics. The Services do not currently require an account, login, or password to read content. Visitors may voluntarily provide an email address to subscribe to our newsletter, may submit a story or message through our forms, and may interact with our content on Substack, social media, or other distribution channels.

We reserve the right, at any time and in our sole discretion, to add, remove, modify, suspend, or discontinue all or any portion of the Services (including any Content, feature, function, or distribution channel), with or without notice. We are not liable to you or any third party for any addition, removal, modification, suspension, or discontinuation of the Services.

We may, from time to time, offer “beta,” “preview,” or “early access” features that are clearly designated as such. Beta features are provided “as is” and may be changed, removed, or made generally available at any time, in our sole discretion.

5. No Professional Advice; Sensitive Subject Matter

Editorial Content Only. All Content on the Services is provided for general informational, cultural, and editorial purposes only. Nothing on the Services is intended to be, and you must not construe any Content as, medical, psychological, psychiatric, mental-health, therapeutic, legal, financial, tax, accounting, insurance, funeral, hospice, palliative, estate-planning, or other professional advice, diagnosis, treatment, or service. Fini is not a healthcare provider, mental-health provider, law firm, financial advisor, fiduciary, funeral or end-of-life planner, or any other licensed professional service. Reading the Content, subscribing to a Fini newsletter, or otherwise using the Services does not create any provider-patient, attorney-client, fiduciary, advisor-client, counselor-client, or other professional or confidential relationship between you and Fini, Fini Media, our editors, our Contributors, or any of our contractors or affiliates.
Always Consult a Qualified Professional. Grief, dying, bereavement, illness, end-of-life decisions, mourning, and related experiences are deeply personal and complex. Before making any decision or taking any action based on anything you read on the Services, you should consult an appropriately qualified professional, such as a licensed physician, licensed mental-health clinician, attorney, financial advisor, or other expert qualified to advise you given your particular circumstances. Never disregard professional advice, or delay in seeking it, because of something you read on Fini.
Crisis Resources. If you are in crisis or need immediate assistance, please contact local emergency services or a crisis support line in your area. In the United States, you can call or text 988 to reach the 988 Suicide and Crisis Lifeline. Outside the United States, please contact your local emergency or crisis services.
Sensitive Content. The Services contain Content addressing death, dying, suicide, terminal illness, traumatic loss, grief, bereavement, and related sensitive subjects. Some Content may be distressing for certain readers. By using the Services, you acknowledge and accept that exposure to this material is at your own discretion and risk. You agree that you are solely responsible for managing your own emotional response to the Content and for seeking professional support where appropriate. To the fullest extent permitted by law, Fini and Fini Media are not responsible for any emotional, psychological, physical, or other harm allegedly arising from, or related to, your reading of, reliance upon, or interpretation of any Content on the Services.
No Endorsement; Third-Party Statements. The Services may include facts, views, opinions, anecdotes, and statements of Contributors, interview subjects, sources, and other third parties. The views expressed in any individual piece are those of the author or speaker and do not necessarily reflect the views of Fini or Fini Media. We do not represent or endorse the accuracy, completeness, currency, or reliability of any advice, opinion, statement, recommendation, product reference, or other information presented in third-party content, and any reliance you place on such material is solely at your own risk.
Independent Verification. Information on the Services may include unintentional inaccuracies or typographical errors. We may make changes, corrections, or updates at any time without prior notice. Before relying on any information on the Services, you should independently verify it from authoritative sources.

6. Privacy

Our collection, use, and disclosure of Personal Information in connection with the Services is described in our Privacy Policy, available at www.itsfini.com/privacy, which is incorporated by reference and made a part of these Terms. Our Privacy Policy includes our Cookie Policy. By using the Services, you agree to the practices described in our Privacy Policy.

7. Editorial Discretion; Right to Edit, Update, or Remove Content

Fini exercises full editorial discretion over all Content published on or in connection with the Services. We retain the right, at any time and in our sole discretion, to edit, update, revise, retitle, repurpose, fact-check, withhold, decline to publish, unpublish, archive, redact, or remove any Content—whether authored by Fini’s editorial team, commissioned Contributors, or readers—without notice and without liability. This includes the right to make stylistic, structural, factual, or substantive changes for clarity, accuracy, length, voice, legal compliance, sensitivity, or any other editorial reason.

Content on the Services is provided “as is” and may be revised, repositioned, depublished, or removed at any time. We do not guarantee that any particular piece of Content will remain available, will not be edited after publication, or will be archived. We may, but are not obligated to, append corrections, editor’s notes, or update notices to revised Content.

8. Acceptable Use

You agree that you will not, and will not assist or permit any third party to, use the Services to:

violate any local, state, national, or international law, regulation, treaty, or court order, or any rule, code, or guideline of any self-regulatory organization;
infringe, misappropriate, or violate any intellectual property right, right of privacy, right of publicity, contractual right, or other proprietary or moral right of any person or entity;
post, transmit, link to, or otherwise make available any material that is unlawful, fraudulent, deceptive, defamatory, libelous, slanderous, abusive, threatening, harassing, hateful, racist, sexist, ethnically offensive, vulgar, obscene, pornographic, sexually explicit, or otherwise objectionable, or that depicts violence, self-harm, or sexual content involving minors;
stalk, harass, threaten, intimidate, dox, or otherwise harm any person, including any Fini editor, Contributor, employee, contractor, or other user;
impersonate any person or entity, falsely state or misrepresent your affiliation with any person or entity, or use a false email address or other false identifying information;
transmit any unsolicited or unauthorized advertising, promotional materials, junk mail, spam, chain letters, pyramid schemes, or any other form of solicitation;
transmit any virus, worm, Trojan horse, ransomware, time bomb, malware, spyware, adware, or any other malicious code, file, or program;
attempt to gain unauthorized access to, interfere with, damage, or disrupt any part of the Services, our servers, our networks, our hosting infrastructure (including WP Engine and Cloudflare), or any system or network connected to the Services;
probe, scan, or test the vulnerability of any system or network or breach or circumvent any security or authentication measure;
bypass, remove, deactivate, impair, descramble, or otherwise circumvent any technological measure that protects the Services or any Content, or any rights-management or access-control mechanism;
reverse engineer, decompile, disassemble, decipher, or otherwise attempt to derive the source code or underlying ideas, algorithms, structure, or organization of any software or systems used to operate the Services, except to the extent expressly permitted by applicable law;
interfere with the proper operation of the Services or impose an unreasonable or disproportionately large load on our infrastructure;
collect or harvest any Personal Information from the Services (including email addresses, names, or any other identifying information) or use any contact information obtained from the Services to send commercial messages;
use any meta tags, hidden text, or hidden links containing our marks or any related terminology;
frame, mirror, or in-line link to the Services, or any portion thereof, without our prior written consent;
modify, adapt, translate, or create derivative works of any portion of the Services or Content, except as expressly permitted in these Terms;
sell, rent, lease, sublicense, distribute, transfer, or commercially exploit access to the Services or any Content; or
assist, facilitate, encourage, or instruct any third party to engage in any of the foregoing.

We reserve the right (but undertake no obligation) to investigate suspected violations of these Terms, to cooperate with law enforcement, to take any legal or technical action we deem appropriate (including blocking IP addresses, removing access, deleting Subscriber records, or pursuing damages), and to disclose any information necessary to satisfy any law, regulation, legal process, or governmental request.

9. AI Training, Scraping, and Automated Use

The Services and all Content are protected against automated collection, extraction, and use for the development of artificial intelligence and machine-learning systems. Without limiting Section 8 above, you may not, and will not assist or permit any third party to:

use any robot, spider, scraper, crawler, data-mining tool, automated extraction tool, or any similar automated process or device (whether browser-based, headless, API-driven, or otherwise) to access, monitor, copy, index, cache, frame, mask, scrape, harvest, or extract any portion of the Services or any Content, except for general-purpose internet search engines and public archives that comply with our publicly posted machine-readable instructions (such as our robots.txt file) and that direct human users to the original Content;
use, reproduce, or otherwise incorporate the Services or any Content (in whole or in part) for the purpose of developing, training, fine-tuning, evaluating, benchmarking, validating, or improving any artificial intelligence model, machine-learning model, large language model, generative model, retrieval-augmented generation system, or similar system, including for the purpose of generating outputs that compete with or substitute for the Content; or
sell, license, distribute, or otherwise transfer to any third party any data, dataset, embedding, vector representation, or other derivative obtained from the Services or any Content for use in any of the activities described above.

You acknowledge that any unauthorized AI training, scraping, or automated extraction in violation of this Section will cause irreparable harm to Fini Media for which monetary damages alone would be insufficient, and Fini Media will be entitled to seek injunctive and other equitable relief, in addition to all other remedies available at law or in equity. Fini Media expressly reserves all rights under applicable law (including the Computer Fraud and Abuse Act, the Digital Millennium Copyright Act, and applicable state laws) and reserves the right to revoke any implied or general license to access the Services for any party that violates this Section. Nothing on the Services should be construed as granting any “text and data mining” license, opt-in, or reservation of rights to the contrary, and Fini Media expressly reserves all such rights, including under Article 4 of the EU Directive on Copyright in the Digital Single Market (Directive (EU) 2019/790) and any analogous law.

10. Limited License to Use the Services

Subject to your compliance with these Terms, Fini Media grants you a personal, limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Services and to view, listen to, and read the Content for your own personal, non-commercial use. This license does not include any right to: (a) resell or commercially use the Services or any Content; (b) collect or use any product listings, descriptions, or prices; (c) make any derivative use of the Services or any Content; (d) download or copy account information or Content for the benefit of any third party; or (e) use any data mining, robots, or similar tools.

You may share links to individual articles via standard sharing tools and may print or save individual articles for your personal, non-commercial use, provided you keep all copyright and other proprietary notices intact. Any other use of the Services or the Content requires our prior written permission. We reserve all rights not expressly granted to you in these Terms.

11. Newsletter and Email Communications

Fini delivers email newsletters, editorial dispatches, and other editorial communications through Substack. When you subscribe through our website, landing pages, signup forms, or directly through Substack, you agree to receive emails from Fini and to be bound by these Terms and our Privacy Policy. Subscriptions on Substack are also subject to Substack’s own terms and privacy policy.

Consent Language at Signup. By subscribing, you agree to receive emails from Fini, and accept our Terms of Use and Privacy Policy.

Editorial Content. Fini’s editorial communications include, without limitation, our flagship newsletter, editorial dispatches, announcements, and updates from Fini. From time to time, our communications may include co-published, partner, or guest editorial content (for example, a piece written by a guest author, a “newsletter swap” with another editorial publication, or a co-published feature). Such content is sent within the scope of your consent to receive emails from Fini.

Future Email Platforms. Fini may add additional email-delivery integrations after launch (for example, an email service provider used to send communications from the Fini website). If we do, we will update these Terms and our Privacy Policy to disclose those integrations and any data flows between platforms, and we will obtain any additional consent required by applicable law.

Unsubscribing. You may unsubscribe at any time using the unsubscribe link included at the bottom of every Fini email or by contacting us at help@itsfini.com, and we will assist you with removing your email from our list.

Transactional Messages. Even if you have unsubscribed from marketing emails, we may continue to send you transactional or administrative messages, such as confirmations of story submissions, responses to inquiries, and notices of changes to these Terms or our Privacy Policy.

Consent to Email Tracking. Substack may use tracking pixels and similar technologies to record opens, clicks, and other engagement with our emails, as further described in our Privacy Policy.

Email Etiquette. Email is an important communication method for Fini. The person in whose name an email account is registered is responsible for all email sent to us from that account. You agree not to mask your identity when emailing us, not to send abusive, threatening, or harassing emails, and not to send unsolicited submissions other than through our designated submission channels.

12. Substack and Paid Subscriptions

Fini’s editorial communications are delivered through Substack, including any optional paid subscription tiers we may offer. Paid subscriptions on Substack are processed and managed by Substack pursuant to Substack’s own Terms of Use, Subscriber Terms, Refund Policy, and Privacy Policy, which are independent of these Terms. By subscribing to a paid Fini publication on Substack, you agree to those Substack-specific terms in addition to these Terms.

We do not currently process payments directly through the Services. If we ever introduce a paid subscription, paywalled content, or e-commerce feature directly through the Site, we will provide additional terms specific to that feature, which will be incorporated into these Terms by reference. We reserve the right at any time to introduce, modify, or discontinue paid features.

13. Story Submissions and Contributor Content

Commissioned Contributors. Fini commissions writers and other creators under separate written Contributor Agreements that govern the rights, responsibilities, deliverables, compensation, and ownership of commissioned editorial work. The terms of any applicable Contributor Agreement (including any Master Contributor Agreement and any Statement of Work issued thereunder) control the relationship between Fini and that Contributor with respect to the commissioned work. Nothing in these Terms is intended to alter or supersede the terms of any signed Contributor Agreement.
Reader Story Submissions. Fini also invites readers to submit personal essays, stories, reflections, photographs, and other written or visual material for editorial consideration through the story-submission form on our website (currently powered by Gravity Forms) (each, a “Submission“). The following terms apply to every Submission, in addition to any submission-specific guidelines we may post.
Eligibility and Representations. You must be at least 18 years of age to make a Submission. Before submitting a Submission, you must affirmatively check the box on the submission form indicating that you are 18 or older and that you agree to these Terms and our Privacy Policy. By making a Submission, you represent and warrant that: (i) you are 18 years of age or older; (ii) the Submission is your original work; (iii) you own or control all rights necessary to make the Submission and to grant the license below; (iv) the Submission does not infringe, misappropriate, or violate any third party’s intellectual property, privacy, publicity, contractual, moral, or other rights; (v) any factual statements in the Submission are true to the best of your knowledge after reasonable investigation; (vi) any third parties identified or referenced in the Submission have, where required by law or by reasonable expectation, consented to being identified or written about, including any consent required for the inclusion of medical, mental-health, or other sensitive information about them; (vii) the Submission does not contain confidential information of any third party that you are not authorized to disclose; (viii) the Submission does not violate any of the prohibitions in Section 8 (Acceptable Use) above; and (ix) you have not received and are not entitled to receive any payment, benefit, or consideration from any third party in exchange for the inclusion of any product, service, brand, or endorsement in the Submission, except as fully disclosed to Fini in writing at the time of Submission.
Ownership; License to Fini. You retain ownership of your Submission. However, by sending us a Submission, you grant Fini Media, its affiliates, successors, assigns, and authorized sublicensees (and confirm that you have the right to grant) a worldwide, non-exclusive, royalty-free, fully paid, perpetual, irrevocable, transferable, and sublicensable (through multiple tiers) license to: reproduce, host, store, cache, edit, modify, adapt, translate, publish, display, perform, distribute, syndicate, create derivative works from, excerpt, condense, expand, retitle, format, and otherwise use the Submission, in whole or in part, in any form or medium now known or later developed, for the purposes of: (i) publishing the Submission on Fini and any other Fini Media property; (ii) editing the Submission for length, clarity, accuracy, voice, and editorial fit; (iii) distributing or sharing the Submission across Fini’s social media channels, partner platforms, and other distribution platforms; (iv) using excerpts, headlines, pull quotes, or imagery from the Submission in editorial marketing, newsletter promotion, social-media promotion, related cross-promotion, and search-engine indexing; (v) including the Submission in compilations, anthologies, or special editorial features; and (vi) otherwise operating, promoting, and exploiting the Services. To the fullest extent permitted by law, you waive (and agree to cause to be waived) any moral rights, rights of attribution, rights of integrity, and similar rights in the Submission, except that we will generally credit you by the name you provide unless you request otherwise.
Editorial Discretion. Submissions are reviewed at our sole discretion. We are under no obligation to acknowledge receipt of, review, publish, retain, or republish any Submission. We may edit, fact-check, retitle, condense, expand, restructure, decline, unpublish, or remove any Submission at any time without notice. After publication, we may, but are not obligated to, consider reasonable requests from a Submitter to correct, anonymize, or remove a Submission.
No Compensation. Unless otherwise expressly agreed in a separate signed Contributor Agreement, Submissions are made on a voluntary basis, and you are not entitled to any payment, royalty, byline guarantee, or other compensation for your Submission or for any use of it by Fini.
Confidentiality of Personal Information. Please consider carefully before sharing personal or sensitive information about yourself or others in a Submission. You are solely responsible for the consequences of disclosing personal information in a Submission, and you should obtain consent from any person whose personal information you include. If a Submission contains personal information about a third party, we may, at our discretion, redact, anonymize, or decline to publish that information.
No Pre-Screening; Right to Remove. We do not pre-screen all Submissions or all User Content, and we do not guarantee the accuracy, integrity, or quality of User Content. We reserve the right (but undertake no obligation) to monitor, edit, refuse, remove, or take any other action with respect to any User Content at any time and for any reason, in our sole discretion.
Indemnification. You agree to defend, indemnify, and hold harmless Fini and Fini Media (and their officers, directors, employees, agents, contractors, Contributors, licensors, and affiliates) from and against any and all claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to any Submission, your breach of any representation or warranty in this Section 13, or any third-party claim relating to your Submission.

14. User Content (General)

To the extent the Services permit you to post, transmit, or otherwise make available any User Content (including Submissions, comments, messages, or any other material submitted through any feature of the Services we may add in the future), you are solely responsible for that User Content. You represent and warrant that you have all rights necessary to grant the licenses described in these Terms with respect to your User Content, that your User Content complies with these Terms (including Section 8), and that your User Content does not infringe or violate the rights of any third party.

We do not claim ownership of your User Content, but the licenses you grant in Section 13 (or in any other section of these Terms applicable to specific User Content features) are perpetual, irrevocable, sublicensable, and transferable as set forth therein.

We are not obligated to back up, host, display, distribute, or preserve any User Content, and we are not responsible for any loss, theft, or damage of any kind to any User Content. You are solely responsible for keeping copies of your own User Content.

15. Feedback

If you choose to provide us with feedback, suggestions, ideas, comments, improvements, or recommendations relating to the Services, the Content, our editorial direction, our products, or our business (collectively, “Feedback“), you grant Fini Media a worldwide, non-exclusive, royalty-free, fully paid, perpetual, irrevocable, transferable, and sublicensable license to use, reproduce, modify, publish, distribute, and otherwise exploit the Feedback for any purpose, without compensation, attribution, or other obligation to you. Any Feedback you provide is non-confidential, and you agree that we are free to use it without restriction. We are not obligated to act on any Feedback.

16. Affiliate Links and Sponsored Content

The Services may contain affiliate links to third-party products, services, retailers, and platforms. If you click on an affiliate link and make a purchase, Fini may receive a commission from the retailer or affiliate platform (such as Amazon Associates, ShopMy, LTK, or similar programs). Affiliate links may include tracking parameters used to measure performance and attribution.

FTC Affiliate Disclosure. Every product featured on Fini is independently selected by our editors. If you buy something through links in this article, Fini may earn an affiliate commission. The presence of an affiliate link does not constitute an endorsement of any third-party product or service.

We make no representations or warranties (express or implied) regarding any third-party product, service, retailer, or affiliate platform. Any purchase you make through an affiliate link is a transaction directly between you and the third-party retailer, governed by the retailer’s own terms of sale, return policies, and privacy practices, and Fini and Fini Media are not parties to that transaction and are not responsible or liable for it (including for the quality, accuracy, fitness, safety, delivery, payment processing, or after-sale service of any third-party product or service).

The Services may also include sponsored content, paid partnerships, gifted products, or branded posts from time to time. We will identify any such content with a clear and conspicuous disclosure (such as “Sponsored,” “Paid Partnership,” “Advertisement,” “Gifted,” or similar) consistent with applicable law and the FTC’s guidance on endorsements.

17. Promotions, Contests, and Special Events

From time to time, Fini may run contests, sweepstakes, surveys, giveaways, calls for submissions, reader events, or similar promotions (each, a “Promotion“). Each Promotion will be governed by its own official rules or terms, which will be posted in connection with the Promotion. Promotion rules will control over any conflicting provision of these Terms with respect to that Promotion. Promotions may have age, residency, or other eligibility restrictions and may be void where prohibited.

18. Intellectual Property; Trademarks

Ownership. The Services and all Content (other than User Content) are owned by or licensed to Fini Media and are protected by U.S. and international copyright, trademark, trade dress, patent, trade secret, and other intellectual property laws. The selection, coordination, arrangement, and compilation of all Content on the Services is also protected.
Restrictions. Other than as expressly permitted by these Terms, you may not copy, reproduce, modify, republish, post, transmit, distribute, sell, license, publicly perform, publicly display, broadcast, syndicate, redistribute, or otherwise exploit any Content without our prior written permission.
Trademarks. “Fini,” “Fini Media,” “The Liminal Group,” and any related logos, marks, taglines, slogans, design marks, and brand elements are trademarks, service marks, or trade dress of Fini Media, whether registered or unregistered (some of which may be the subject of pending applications). Nothing on the Services should be construed as granting any license or right to use any of our marks without our prior written permission. You may not use our marks in any manner that is likely to cause confusion, that disparages or discredits Fini Media, or that suggests sponsorship or endorsement by Fini Media of any product, service, or party. All other trademarks appearing on the Services are the property of their respective owners.
Third-Party Trademarks. Third-party trademarks, service marks, logos, brand imagery, brand elements, and other proprietary identifiers (collectively, “Third-Party Marks“) may appear on the Services from time to time, including in connection with editorial coverage, articles, affiliate links and partner attributions, navigation icons (including links to social-media platforms such as Substack, Instagram, and similar services), gallery and image features, or otherwise. All Third-Party Marks are the property of their respective owners. Their appearance on the Services is for identification, attribution, navigation, fair-use editorial commentary, criticism, news reporting, teaching, scholarship, or research, or similar purposes only, and does not imply any affiliation with, sponsorship by, or endorsement by the trademark owner. No license to use any Third-Party Mark is granted to you by these Terms or by their appearance on the Services. If you are the owner of a Third-Party Mark and believe its use on the Services is improper, please contact us at help@itsfini.com.
Reservation of Rights. All rights not expressly granted to you in these Terms are reserved by Fini Media and its licensors. No implied licenses are granted under these Terms.

19. Third-Party Links and Services; Linking to the Services

Outbound Links. The Services may include links to third-party websites, services, products, or resources that we do not own or control (including affiliate retailers, social media platforms, embedded videos, podcasts, and other third-party content and services). These links are provided for your convenience and reference only. We do not control, endorse, or assume any responsibility for the content, privacy practices, terms of use, accessibility, or any other aspect of any third-party site or service. Your interactions with any third party are solely between you and that third party. We encourage you to review the terms of use and privacy policies of any third-party site you visit.
Linking To Us. You may link to publicly accessible Fini articles using their canonical URLs, provided that the link: (i) does not present false, misleading, or disparaging information about Fini; (ii) does not imply sponsorship, endorsement, or affiliation by Fini that does not exist; (iii) does not frame, in-line, or otherwise embed Content in a manner that obscures Fini’s branding or attribution; and (iv) is removed promptly upon our request. We reserve the right to revoke linking permission at any time and in our sole discretion.

20. Copyright Infringement (DMCA)

Fini respects the intellectual property rights of others and complies with the Digital Millennium Copyright Act (the “DMCA“). It is our policy, in appropriate circumstances and at our discretion, to terminate access for users who are repeat infringers.

Notice of Alleged Infringement. If you believe that any material on the Services infringes a copyright that you own or control, please send a written notice to our designated copyright agent that includes:
1. a physical or electronic signature of the copyright owner or person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;
2. identification of the copyrighted work claimed to have been infringed (or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of those works);
3. identification of the material that is claimed to be infringing or to be the subject of infringing activity, with information reasonably sufficient to permit us to locate the material (such as a URL);
4. information reasonably sufficient to permit us to contact you, such as an address, telephone number, and email address;
5. a statement that you have a good-faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
6. a statement, made under penalty of perjury, that the information in the notification is accurate and that you are the copyright owner or are authorized to act on behalf of the copyright owner.
Designated Copyright Agent. Send DMCA notices to:
The Liminal Group, Inc. d/b/a Fini Media
Attn: DMCA Agent
2248 Broadway #2175
New York, NY 10024
Email: help@itsfini.com
Counter-Notice. If you believe in good faith that material you posted (or that was attributed to you) was removed or disabled by mistake or misidentification, you may submit a counter-notice that complies with 17 U.S.C. § 512(g)(3). A valid counter-notice must include: (i) your physical or electronic signature; (ii) identification of the material that has been removed or to which access has been disabled and the location at which the material appeared before it was removed or disabled; (iii) a statement under penalty of perjury that you have a good-faith belief that the material was removed or disabled as a result of mistake or misidentification; (iv) your name, address, and telephone number; and (v) a statement that you consent to the jurisdiction of the federal court for the judicial district in which your address is located (or, if your address is outside the United States, for any judicial district in which Fini Media may be found) and that you will accept service of process from the person who provided the original notice or that person’s agent.
Misrepresentations. Under 17 U.S.C. § 512(f), any person who knowingly materially misrepresents that material is infringing, or that material was removed or disabled by mistake or misidentification, may be liable for damages.

Trademark Infringement and Other Reports

If you believe that your trademark is being used on the Services in a way that constitutes trademark infringement, or you wish to report any other concern regarding Content on the Services, please contact us at help@itsfini.com with: (a) the accurate identity of the rights holder; (b) how we may contact you; and (c) the specific nature of the complaint, including the location of the material at issue.

22. Disclaimer of Warranties

THE SERVICES, THE CONTENT, AND ALL MATERIALS, PRODUCTS, AND SERVICES MADE AVAILABLE THROUGH THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITH ALL FAULTS AND WITHOUT ANY WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, FINI, FINI MEDIA, AND THEIR AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, CONTRIBUTORS, CONTRACTORS, AND LICENSORS (THE “FINI PARTIES“) DISCLAIM ALL WARRANTIES, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, AS WELL AS ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

WITHOUT LIMITING THE FOREGOING, THE FINI PARTIES DO NOT WARRANT THAT: (A) THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, ACCURATE, COMPLETE, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; (B) ANY DEFECTS WILL BE CORRECTED; (C) THE SERVICES OR ANY CONTENT WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS; OR (D) THE INFORMATION OBTAINED THROUGH THE SERVICES WILL BE ACCURATE, RELIABLE, OR CURRENT. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED FROM US OR THROUGH THE SERVICES, CREATES ANY WARRANTY NOT EXPRESSLY MADE IN THESE TERMS.

YOU ACKNOWLEDGE THAT THE SERVICES ARE DELIVERED OVER THE INTERNET AND THAT THEIR QUALITY AND AVAILABILITY MAY BE AFFECTED BY FACTORS BEYOND OUR REASONABLE CONTROL. WE ARE NOT RESPONSIBLE FOR ANY CONNECTIVITY ISSUES OR LOSS OF DATA RESULTING FROM SYSTEM OUTAGES, WHETHER PLANNED OR UNPLANNED.

CONTENT ON THE SERVICES IS NOT MEDICAL, MENTAL HEALTH, LEGAL, OR OTHER PROFESSIONAL ADVICE. SEE SECTION 5 ABOVE.

23. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL THE FINI PARTIES BE LIABLE UNDER ANY THEORY OF LIABILITY (WHETHER IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, STATUTORY, OR OTHERWISE) FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, GOODWILL, BUSINESS, BUSINESS OPPORTUNITY, USE, DATA, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR ACCESS TO OR USE OF, OR INABILITY TO ACCESS OR USE, THE SERVICES OR ANY CONTENT, EVEN IF ANY OF THE FINI PARTIES HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR SHOULD HAVE KNOWN OF THE POSSIBILITY OF SUCH DAMAGES.

WITHOUT LIMITING THE FOREGOING, THE FINI PARTIES WILL NOT BE LIABLE FOR ANY EMOTIONAL, PSYCHOLOGICAL, OR OTHER HARM ARISING FROM YOUR EXPOSURE TO, INTERPRETATION OF, OR RELIANCE ON ANY CONTENT ADDRESSING DEATH, GRIEF, OR OTHER SENSITIVE SUBJECT MATTER. YOU ACKNOWLEDGE THAT YOU ARE SOLELY RESPONSIBLE FOR YOUR OWN EMOTIONAL RESPONSE TO THE CONTENT AND FOR SEEKING APPROPRIATE PROFESSIONAL SUPPORT WHERE NEEDED.

TO THE FULLEST EXTENT PERMITTED BY LAW, THE TOTAL CUMULATIVE LIABILITY OF THE FINI PARTIES TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICES (WHETHER IN CONTRACT, TORT, OR OTHERWISE) WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU HAVE PAID TO FINI MEDIA IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS (US$100.00).

THE LIMITATIONS IN THIS SECTION APPLY EVEN IF ANY LIMITED REMEDY IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN WARRANTIES OR LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, SO THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU IN FULL. IN SUCH CASES, OUR LIABILITY WILL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY APPLICABLE LAW.

24. Indemnification

To the fullest extent permitted by law, you agree to defend, indemnify, and hold harmless the Fini Parties from and against any and all claims, demands, suits, proceedings, liabilities, damages, losses, judgments, awards, settlements, costs, and expenses (including reasonable attorneys’ fees and court costs) arising out of or related to: (a) your access to or use of the Services; (b) your User Content (including any Submission); (c) your violation of these Terms; (d) your violation of any applicable law or regulation; (e) your violation of any third-party right, including intellectual property, privacy, publicity, or contractual rights; or (f) any dispute between you and any third party.

We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which case you agree to fully cooperate with our defense. You agree not to settle any matter without our prior written consent.

You waive California Civil Code Section 1542 (and any analogous statute or common-law principle of any jurisdiction), which provides: “A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release and that, if known by him or her, would have materially affected his or her settlement with the debtor or released party.”

25. Time Limitation on Claims

To the fullest extent permitted by law, any claim or cause of action arising out of or relating to your use of the Services or these Terms must be filed within one (1) year after such claim or cause of action accrued, or it will be permanently barred. This Section does not apply to consumers in jurisdictions in which it is not enforceable.

26. Termination and Suspension

By Fini Media. We may, in our sole discretion, suspend or terminate your access to the Services (or any portion of them) at any time, with or without notice, for any reason or no reason, including if we believe you have violated these Terms or applicable law, or if we believe your conduct is harmful to Fini, our other users, or any third party. Because the Services do not currently require an account, termination generally means restricting your access to the Services, removing your email address from our mailing lists, and/or removing User Content you have provided.
By You. You may stop using the Services at any time. You may unsubscribe from our emails as described in Section 11.
Effect of Termination. Upon termination, we have no obligation to retain, store, or provide you with any User Content or other information you provided, except as required by applicable law or our Privacy Policy. Sections that by their nature should survive termination — including, without limitation, Sections 5 (No Professional Advice), 8 (Acceptable Use), 9 (AI/Scraping), 13 (Submissions), 14 (User Content), 15 (Feedback), 18 (IP and Trademarks), 22 (Disclaimer of Warranties), 23 (Limitation of Liability), 24 (Indemnification), 25 (Time Limitation), 27 (Force Majeure), 29 (Governing Law and Dispute Resolution), 30 (Class Action and Jury Trial Waivers), and 33 (Miscellaneous) — will survive any termination of these Terms.

27. Force Majeure

The Liminal Parties will not be liable or responsible for any delay or failure to perform under these Terms, or for any unavailability of the Services, caused by events or conditions beyond our reasonable control, including but not limited to: acts of God; natural disasters; severe weather; pandemic or epidemic; fire; flood; war; terrorism; civil unrest; labor disputes; governmental orders, regulations, or actions; embargoes; failures or interruptions of public or private telecommunications, internet, hosting, or cloud services; cyberattacks; failures of third-party service providers (including WP Engine, Cloudflare, and Substack); or other comparable causes.

28. Modifications to These Terms; Modifications to the Services

Updates. We may, in our sole discretion, update these Terms from time to time. When we do, we will post the revised Terms on the Services and update the “Effective Date” at the top. If the changes are material, we will provide additional notice (such as by email to Subscribers, a banner on the Site, or a popup notice). Your continued use of the Services after the revised Terms take effect constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, your sole remedy is to stop using the Services.
Changes to the Services. We reserve the right at any time to modify, suspend, or discontinue all or any part of the Services (including any Content, feature, or distribution channel), and to schedule maintenance, with or without notice. We may also impose limits on certain features or restrict access to parts or all of the Services without notice or liability.

29. Governing Law and Dispute Resolution

Governing Law. These Terms and any dispute arising out of or related to these Terms or the Services will be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict-of-laws principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply to these Terms.
Exclusive Jurisdiction. Subject to Section 29(c), any legal action or proceeding arising out of or relating to these Terms or the Services will be brought exclusively in the state or federal courts located in New York County, New York. You consent to the personal jurisdiction of, and venue in, those courts and waive any objection based on inconvenient forum.
Informal Dispute Resolution. Before initiating any formal legal action (other than as described in Section 29(d) or 29(e)), you agree to first contact us in writing at help@itsfini.com or by mail at the address in Section 34 and provide a brief description of the dispute and your contact information. You and Fini Media agree to use good-faith efforts to resolve the dispute informally for at least sixty (60) days before commencing any formal proceeding. The applicable statute of limitations and any filing-fee deadlines will be tolled during this informal-resolution period.
Small Claims. Either party may bring an individual action in small claims court for any dispute that qualifies, in lieu of any other proceeding.
Equitable Relief. Notwithstanding anything to the contrary, either party may seek injunctive or other equitable relief in any court of competent jurisdiction at any time to prevent the actual or threatened infringement, misappropriation, or violation of its intellectual property, trade secrets, or confidential information, or to enforce Section 9 (AI/Scraping).

30. Class Action Waiver; Jury Trial Waiver

Class Action Waiver. YOU AND FINI MEDIA AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, REPRESENTATIVE, MASS, OR PRIVATE ATTORNEY GENERAL ACTION OR PROCEEDING. The court (or, if applicable, an arbitrator) may not consolidate more than one person’s claims and may not otherwise preside over any form of representative or class proceeding.
Jury Trial Waiver. TO THE FULLEST EXTENT PERMITTED BY LAW, YOU AND FINI MEDIA EACH WAIVE ANY CONSTITUTIONAL AND STATUTORY RIGHT TO A TRIAL BY JURY IN ANY DISPUTE ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICES.
Severability of This Section. If the class-action waiver in Section 30(a) is found to be unenforceable as to any claim, that claim must be severed and adjudicated in a court of competent jurisdiction in accordance with Section 29.

31. Electronic Communications and Signatures

You agree to transact with us electronically. Your affirmative act of accessing the Services, subscribing to a Fini publication, submitting a Submission or other communication, or clicking a button or checking a box indicating acceptance constitutes your electronic signature and your consent to enter into agreements with us electronically. We may provide notices to you electronically by email (to any address you provide), by SMS or push notification (only if you have opted in), or by posting them on the Services. Notices we send by email are effective when sent. Notices we post on the Services are effective when posted. You may withdraw your consent to receive electronic communications by discontinuing your use of the Services.

32. Export Controls; Government Users

Export Controls. You may not access, use, export, re-export, or transfer the Services in violation of any U.S. export control laws (including the Export Administration Regulations) or any other applicable export control laws. You represent that you are not located in, under the control of, or a national or resident of any country that is the subject of comprehensive U.S. economic sanctions and that you are not on any U.S. government list of restricted parties.
Government Users. Any software made available through the Services is “commercial computer software” or “commercial computer software documentation” within the meaning of FAR 12.212 and DFARS 227.7202. U.S. government end users acquire only those rights set forth in these Terms.

33. Miscellaneous

Entire Agreement. These Terms, together with our Privacy Policy and any additional terms we provide for specific features (and any signed Contributor Agreement, which controls as to the matters it addresses), constitute the entire agreement between you and Fini Media regarding the Services and supersede any prior or contemporaneous agreements, communications, or understandings with respect to the Services.
Severability. If any provision of these Terms is held invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision will be enforced to the maximum extent permissible, and the remaining provisions will remain in full force and effect.
No Waiver. Our failure to enforce any provision of these Terms will not be deemed a waiver of our right to do so later. No waiver is effective unless made in writing and signed by an authorized representative of Fini Media.
Assignment. You may not assign or transfer these Terms or any rights or obligations under them without our prior written consent. Any attempted assignment in violation of this Section is void. We may assign these Terms (in whole or in part), or transfer our rights and obligations, without restriction, including in connection with a merger, acquisition, reorganization, sale of assets, financing, or change of control.
Independent Contractors. Nothing in these Terms creates any agency, partnership, joint venture, employment, or franchise relationship between you and Fini Media. Neither party has authority to bind the other.
No Third-Party Beneficiaries. Except for the Liminal Parties (who are intended third-party beneficiaries of Sections 22, 23, and 24), these Terms are solely for the benefit of you and Fini Media and do not confer any rights on any third party.
Headings. Section headings are for convenience only and have no substantive effect.
Conflicts. In the event of any conflict between these Terms and additional terms or rules applicable to a specific feature (other than a signed Contributor Agreement, which controls as to the matters it addresses), the additional terms control with respect to that feature, and these Terms otherwise remain in effect.
Notices. We may provide notices to you as described in Section 31. You must send any notices to us by email at help@itsfini.com or by mail to The Liminal Group, Inc. d/b/a Fini Media, 2248 Broadway #2175, New York, NY 10024.
Interpretation. The words “include,” “includes,” and “including” mean “include without limitation,” “includes without limitation,” and “including without limitation,” respectively. References to “Sections” are to sections of these Terms unless otherwise indicated.

34. Contact Us

If you have questions about these Terms, please contact us:
The Liminal Group, Inc. d/b/a Fini Media
2248 Broadway #2175
New York, NY 10024
Email: help@itsfini.com