Effective Date: July 1, 2026

1. Agreement to Terms
By accessing the website at https://guruwatchdog.com, you are agreeing to be bound by these terms of service, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws.

2. Use License & Journalistic Commentary
The materials on GuruWatchdog.com are provided for general informational, educational, and journalistic commentary purposes only. All investigations, breakdowns, ratings, and opinions expressed on this site are the subjective commentary of the authors based on public records, marketing data, and user complaints.

3. Disclaimer
The materials on GuruWatchdog's website are provided on an 'as is' basis. GuruWatchdog makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability or fitness for a particular purpose.

4. Limitations of Liability
In no event shall GuruWatchdog or its suppliers be liable for any damages arising out of the use or inability to use the materials on GuruWatchdog's website, even if GuruWatchdog has been notified orally or in writing of the possibility of such damage.

5. Outbound Links
GuruWatchdog has not reviewed all of the external sites linked to its internet website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by GuruWatchdog of the site. Use of any such linked website is at the user's own risk.

6. Governing Law
These terms and conditions are governed by and construed in accordance with the laws applicable to consumer protection and digital publications, and you irrevocably submit to the exclusive jurisdiction of the courts in that State or Country.