Terms of Use | Professional Business Directory

Effective date: February 10, 2026 | Last updated: March 25, 2026

Please read these Terms of Use (“Terms”) carefully before using Professional Business Directory, available at https://professionalbusinessdirectory.com (“Site,” “we,” “us,” or “our”). By accessing or using the Site, you confirm that you are at least 18 years old, that you have read and understood these Terms, and that you agree to be legally bound by them. If you do not agree to these Terms, please do not use the Site.

1. Acceptance of Terms

By accessing or using this Site in any manner — including browsing, reading content, subscribing to communications, or interacting with any feature — you agree to be legally bound by these Terms and all applicable laws and regulations. If you are using the Site on behalf of a business, organization, or other entity, you represent and warrant that you have the authority to bind that entity to these Terms. These Terms form a legally binding agreement between you and Professional Business Directory.

2. Description of Service

Professional Business Directory is an independent digital media publication that provides in-depth articles, data-driven guides, product comparisons, expert analyses, and educational content on personal finance, business strategy, commercial insurance, investing, real estate, and related topics for U.S. readers. The Site is operated from New York, New York, United States.

The Site does not provide licensed financial, legal, tax, accounting, insurance, or medical advice. All content is for general informational and educational purposes only. See Section 9 (No Professional Advice) and our Global Disclaimer for full details.

3. Eligibility

The Site is intended for users who are at least 18 years of age. By using the Site, you represent and warrant that you are 18 years of age or older. If you are under 18, you may not use this Site. We do not knowingly collect personal information from children under 13 years of age in compliance with the Children’s Online Privacy Protection Act (COPPA). If you believe we have inadvertently collected information from a child under 13, please contact us at [email protected] immediately.

4. Intellectual Property

All content on this Site — including but not limited to articles, guides, reviews, data analyses, charts, graphics, photographs, illustrations, logos, trade names, page layouts, HTML/CSS code, and software — is owned by or licensed to Professional Business Directory and is protected under U.S. and international copyright, trademark, trade secret, and other intellectual property laws.

4.1 Permitted Personal Use

You may access, read, and print individual pages from the Site for your own personal, non-commercial, informational use, provided that you do not remove any copyright, trademark, or other proprietary notices.

4.2 Prohibited Uses

Without our prior written permission, you may not:

Reproduce, copy, distribute, republish, upload, post, or transmit any content from the Site in any form or by any means.
Sell, license, sublicense, transfer, or commercially exploit any content from the Site.
Scrape, crawl, data-mine, or use any automated tool to extract, copy, or index any content, data, or materials from the Site.
Create derivative works based on our content without written authorization.
Use our trademarks, service marks, logos, brand names, or trade dress without express prior written consent.
Frame or mirror any portion of the Site without written permission.
Remove or alter any copyright, trademark, or other proprietary notices from any content on the Site.

To inquire about content licensing, syndication, or commercial use rights, contact us at [email protected].

5. User Conduct

By using the Site, you agree not to engage in any of the following prohibited activities:

Use the Site for any unlawful, fraudulent, or deceptive purpose, or in violation of any applicable local, state, national, or international law or regulation.
Post, transmit, or share any content that is defamatory, abusive, harassing, threatening, obscene, hateful, discriminatory, or otherwise objectionable.
Impersonate any person or entity, including our staff, editors, or other users, or falsely represent your affiliation with any person or entity.
Attempt to gain unauthorized access to the Site, its servers, databases, or any systems connected to the Site.
Upload or transmit viruses, malware, ransomware, spyware, Trojan horses, worms, or any other malicious or destructive code.
Use the Site to distribute unsolicited commercial communications (spam), including via email, comments, or messaging features.
Interfere with or disrupt the integrity, performance, or security of the Site or its infrastructure.
Use the Site to collect or harvest personal information of other users without their consent.
Engage in any activity that places an unreasonable or disproportionately large burden on our servers or infrastructure.
Use any robot, spider, scraper, or other automated means to access or use the Site in any manner not expressly permitted by these Terms.

Violations may result in immediate termination of your access to the Site and may be reported to appropriate law enforcement authorities.

6. User-Generated Content

If the Site permits you to submit comments, feedback, forum posts, ratings, or other content (“User Content”), you grant Professional Business Directory a non-exclusive, royalty-free, perpetual, irrevocable, and worldwide license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such User Content in connection with operating, promoting, and improving the Site.

By submitting User Content, you represent and warrant that: (a) you own or have the necessary rights and permissions to submit the User Content; (b) the User Content does not infringe the intellectual property, privacy, or other rights of any third party; (c) the User Content does not contain false, misleading, or deceptive statements; and (d) the User Content complies with these Terms and all applicable laws.

We reserve the right, but assume no obligation, to monitor, edit, remove, or refuse to publish any User Content at our sole discretion and without prior notice. We are not responsible for any User Content submitted by visitors.

7. Advertising and Affiliate Relationships

This Site is supported by advertising revenue and affiliate marketing partnerships. We display advertisements through Google AdSense and other advertising networks. We also participate in affiliate marketing programs, meaning we may earn a commission when you click a link to a product or service and subsequently make a purchase, at no additional cost to you.

All affiliate relationships and advertising arrangements are disclosed in accordance with the guidelines of the U.S. Federal Trade Commission (FTC). See our Global Disclaimer for full disclosure details. Our editorial content and recommendations are not influenced by our advertising or affiliate relationships. We do not accept payment in exchange for positive editorial coverage.

8. AI-Assisted Content Policy

Some content on this Site is drafted or assisted using artificial intelligence (AI) language models. All AI-assisted content is subject to mandatory human review and editorial oversight by our editorial team before publication. Human editors verify facts, sources, data accuracy, and compliance with our editorial standards.

Our AI content policy:

AI tools are used as a drafting and research assistance tool only — not as a replacement for human editorial judgment.
All factual claims, statistics, and data points in AI-assisted content are independently verified against primary sources before publication.
Human editors with relevant subject matter expertise review all AI-assisted content prior to publication.
We do not publish AI-generated content that has not passed human editorial review.
AI-assisted articles are disclosed where appropriate. See our Editorial Process page for full details.

Despite our editorial review process, we make no warranties that AI-assisted content is free from errors. If you identify an error in any article, please report it to [email protected].

9. No Professional Advice

The information published on Professional Business Directory is provided for general informational and educational purposes only. It does not constitute — and should not be construed as — financial advice, investment advice, legal advice, tax advice, insurance advice, accounting advice, or any other form of licensed professional advice. Nothing on this Site creates or implies a professional advisory relationship of any kind between you and Professional Business Directory or any of its contributors.

Before making any financial, investment, legal, tax, insurance, or other professional decision, we strongly recommend consulting with a licensed and qualified professional (financial advisor, attorney, CPA, insurance agent, or other relevant expert) who is familiar with your specific situation and jurisdiction.

10. Accuracy and Timeliness of Information

We make reasonable efforts to ensure that information published on this Site is accurate and current. However, we make no warranties or representations — express or implied — regarding the accuracy, completeness, reliability, suitability, or timeliness of any information on the Site. Financial markets, laws, regulations, insurance rates, and business conditions change rapidly; information that was accurate at the time of publication may become outdated.

Each article includes a publication date and, where applicable, a “last updated” date. Always verify critical information with primary sources — including government agencies, regulatory bodies, and licensed professionals — before acting on any information from this Site.

11. Third-Party Links and Services

The Site contains hyperlinks to third-party websites, products, and services for informational purposes and user convenience. These links do not constitute an endorsement or recommendation of any third-party website, product, service, or its operators. We do not control, monitor, or take responsibility for the content, privacy practices, availability, or accuracy of any third-party website.

Your interactions with third-party websites — including any purchases, subscriptions, or data sharing — are governed solely by that third party’s terms and privacy policies. We are not responsible for any harm or loss arising from your use of third-party services.

12. Privacy

Your use of the Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Site, you consent to the data collection and use practices described in our Privacy Policy, including the use of cookies for advertising personalization via Google AdSense.

13. Disclaimer of Warranties

THE SITE AND ALL CONTENT, MATERIALS, TOOLS, FEATURES, AND SERVICES MADE AVAILABLE THROUGH THE SITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, PROFESSIONAL BUSINESS DIRECTORY EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES, MALWARE, OR OTHER HARMFUL COMPONENTS. WE DO NOT WARRANT THAT ANY DEFECT IN THE SITE WILL BE CORRECTED, OR THAT THE SITE OR THE SERVERS THAT MAKE IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL CODE.

14. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, PROFESSIONAL BUSINESS DIRECTORY, ITS OWNERS, OPERATORS, EDITORS, CONTRIBUTORS, AFFILIATES, LICENSORS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES OF ANY KIND — INCLUDING, WITHOUT LIMITATION, LOSS OF PROFITS, REVENUE, DATA, BUSINESS OPPORTUNITIES, REPUTATION, OR GOODWILL — ARISING OUT OF OR IN CONNECTION WITH: (A) YOUR USE OF, OR INABILITY TO USE, THE SITE OR ITS CONTENT; (B) ANY DECISION OR ACTION YOU TAKE IN RELIANCE ON INFORMATION PUBLISHED ON THE SITE; (C) ANY UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR DATA; OR (D) ANY OTHER MATTER RELATING TO THE SITE — EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT SHALL OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATING TO YOUR USE OF THE SITE EXCEED ONE HUNDRED U.S. DOLLARS ($100.00).

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR CERTAIN TYPES OF DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE LIMITATIONS MAY NOT APPLY, AND YOU MAY HAVE ADDITIONAL RIGHTS.

15. Indemnification

You agree to defend, indemnify, and hold harmless Professional Business Directory, its owners, operators, editors, contributors, agents, licensors, and service providers from and against any and all claims, liabilities, damages, judgments, awards, losses, costs, and expenses — including reasonable attorneys’ fees — arising out of or relating to: (a) your use of or access to the Site; (b) your violation of these Terms; (c) your violation of any applicable law or third-party right; (d) any User Content you submit; or (e) any misrepresentation you make in connection with the Site.

16. DMCA and Copyright Complaints

We respect the intellectual property rights of others and expect users of the Site to do the same. If you believe that content on this Site infringes your copyright, please submit a written notice to our designated DMCA agent containing the following information:

A physical or electronic signature of the copyright owner or authorized agent.
Identification of the copyrighted work claimed to be infringed.
Identification of the material on our Site claimed to be infringing, with sufficient detail to locate it.
Your contact information (name, address, telephone number, and email address).
A statement that you have a good-faith belief that the use is not authorized by the copyright owner, its agent, or law.
A statement, under penalty of perjury, that the above information is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf.

Send DMCA notices to: [email protected]

17. Governing Law and Dispute Resolution

These Terms and any dispute arising from your use of the Site shall be governed by and construed in accordance with the laws of the State of New York, United States of America, without regard to its conflict of law principles. Any legal action or proceeding not subject to arbitration shall be brought exclusively in the federal or state courts located in New York County, New York, and you irrevocably consent to the jurisdiction and venue of those courts.

Arbitration: For disputes not involving injunctive relief or intellectual property claims, you and Professional Business Directory agree to resolve disputes through binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, rather than through court litigation. You waive the right to participate in any class action lawsuit or class-wide arbitration. The arbitration shall be conducted in English, and any award rendered shall be final and binding. Nothing in this clause prevents either party from seeking emergency equitable relief from a court of competent jurisdiction pending arbitration.

18. Changes to These Terms

We reserve the right to modify these Terms at any time. When material changes are made, we will update the “Last updated” date at the top of this page. For significant changes, we may provide additional notice via a Site announcement or email (if you have subscribed to communications). Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms. We recommend reviewing these Terms periodically.

19. Termination

We reserve the right to suspend or terminate your access to the Site — with or without notice — for any reason, including but not limited to: (a) violation of these Terms; (b) conduct that we determine, in our sole discretion, is harmful to other users, third parties, or the Site; or (c) if continued access is prohibited by applicable law or regulation. Upon termination, all rights granted to you under these Terms will immediately cease.

20. Contact Information

If you have questions, concerns, or requests regarding these Terms of Use, please contact us:

Professional Business Directory
235 W 47th St, Apt 4B, New York, NY 10036, USA
Email: [email protected]
Contact form: https://professionalbusinessdirectory.com/contact/

These Terms of Use were last updated on March 25, 2026.