Last updated: June 26, 2026
Welcome to finds101.com. By accessing or using this website, you agree to these Terms of Use and the Disclaimer below. If you don’t agree, please don’t use the site.
1. Acceptance of terms
These terms form an agreement between you and finds101.com (“we,” “us,” or “our”). We may update these terms from time to time; the “Last updated” date above reflects the latest version, and continued use of the site means you accept any changes.
2. Use of the site
You may read, share, and link to our content for personal, non-commercial use. You agree not to:
- Copy, republish, or redistribute our content as your own;
- Use the site in any way that breaks the law or infringes others’ rights;
- Attempt to disrupt, attack, or gain unauthorized access to the site or its systems;
- Use automated tools to scrape or harvest content in a way that burdens our servers.
3. Intellectual property
Unless otherwise stated, all content on finds101.com — including text, graphics, logos, and the site’s design — is owned by finds101.com or its licensors and is protected by copyright and other laws. You may quote short excerpts with clear attribution and a link back, but you may not reproduce substantial portions without our written permission.
4. Affiliate links and advertising
finds101.com is supported by affiliate commissions and advertising. Some links are affiliate links, which means we may earn a commission when you make a purchase — at no additional cost to you. For full details, see our Affiliate Disclosure.
5. Disclaimer — information only, not professional advice
The content on finds101.com is provided for general informational and educational purposes only. It is not professional advice, and you should not rely on it as a substitute for advice from a qualified professional.
In particular:
- Financial, tax, and investment content (including topics such as NISA, iDeCo, furusato nozei, and similar) is general information, not personalized financial, tax, or investment advice. Rules, rates, and limits change and may not apply to your situation. Always consult a licensed professional before making financial decisions.
- Product reviews and recommendations reflect our research and opinions at the time of writing. Prices, features, and availability change, and we can’t guarantee a product is right for you.
- We are not licensed financial advisors, lawyers, accountants, or tax agents.
You are responsible for your own decisions and for verifying any information before acting on it.
6. Accuracy of information
We work hard to keep finds101.com accurate and up to date, and we cite reliable sources where we can. Even so, we can’t guarantee that everything is complete, current, or error-free. Content may become outdated, and we may change or remove it at any time without notice.
7. External links
finds101.com contains links to third-party websites we don’t own or control. We provide them for convenience and are not responsible for the content, accuracy, products, or practices of those sites. Visiting a linked site is at your own risk, and their terms and privacy policies apply.
8. No warranties
finds101.com is provided “as is” and “as available,” without warranties of any kind, whether express or implied, including fitness for a particular purpose, accuracy, or uninterrupted availability.
9. Limitation of liability
To the fullest extent permitted by law, finds101.com and its operator will not be liable for any direct, indirect, incidental, consequential, or other damages arising from your use of — or inability to use — the site or any content on it, or from any product or service you obtain through a link on the site.
10. Privacy
Your use of finds101.com is also governed by our Privacy Policy, which explains how we handle your information.
11. Governing law
These terms are governed by the laws of Japan, without regard to conflict-of-law principles. Any disputes will be handled by the courts located in Japan, to the extent permitted by law.
12. Contact
Questions about these terms? Email us at contact@finds101.com or visit our Contact page.