Last updated: September 30, 2026
Please read these Terms and Conditions (“Terms”) carefully before using clikvault.com (the “Website”). By accessing or using the Website, you agree to these Terms. If you do not agree with these Terms, please do not use the Website.
Important: ClikVault is an informational website. We provide general educational content and do not provide personalized financial, investment, legal, tax, accounting, insurance, or other professional advice.
1. Who We Are
ClikVault is operated by Dr. Konagala Manikanta, an individual based in India and operating as a sole proprietor.
ClikVault provides general informational and educational content primarily covering personal finance, money-saving ideas, budgeting, smart shopping, and related topics.
The Website is intended primarily for readers in the United States, although it may be accessed by visitors from other countries.
For questions regarding these Terms, contact us at:
Email: contact@clikvault.com
2. Use of the Website
You may use ClikVault for lawful personal and informational purposes.
You agree not to:
- Use the Website in violation of applicable laws or regulations.
- Attempt to gain unauthorized access to the Website, its systems, or related networks.
- Interfere with the Website’s operation, security, or availability.
- Use automated tools, bots, scrapers, or similar technologies to copy or extract substantial amounts of content without permission.
- Reproduce, republish, distribute, sell, or commercially exploit substantial portions of Website content without our prior written permission, except where permitted by applicable law.
- Use the Website in a manner that could damage, disable, overburden, or impair its operation.
We may take reasonable steps to restrict access to the Website where necessary to protect the Website, its users, or our rights.
3. General Information Only — Not Professional Advice
All content published on ClikVault is provided for general informational and educational purposes only.
Nothing on this Website constitutes personalized:
- Financial advice
- Investment advice
- Legal advice
- Tax advice
- Accounting advice
- Insurance advice
- Professional advice of any kind
Information about budgeting, saving money, products, services, or financial topics may not be appropriate for every individual.
Your financial circumstances, goals, obligations, and risks may differ from those of other readers. Before making important financial or other decisions, consider consulting an appropriately qualified professional.
You are responsible for evaluating information before relying on it.
For additional information, please see our Disclaimer.
4. Accuracy of Information
We make reasonable efforts to provide useful and accurate information. However, information can change over time, and we cannot guarantee that every statement on the Website will always be complete, current, or error-free.
Prices, product features, availability, offers, financial information, laws, regulations, and third-party services may change without notice.
You should verify important information with the relevant provider or an appropriately qualified professional before making a decision.
5. Intellectual Property
Unless otherwise stated, original articles, text, graphics, logos, and other materials created by ClikVault are owned by or licensed to ClikVault and may be protected by copyright and other intellectual property laws.
Third-party materials, including photographs, logos, trademarks, product information, and other content, remain subject to the rights and licenses of their respective owners.
You may:
- Visit and read ClikVault content for personal and informational purposes.
- Share links to our articles.
- Quote brief portions of our content with appropriate attribution and a link to the original article.
You may not reproduce, republish, distribute, sell, or commercially exploit substantial portions of our original content without prior written permission, except where permitted by applicable law.
6. Third-Party Websites and Links
ClikVault may contain links to websites and services operated by third parties.
These may include:
- Affiliate websites
- CPA network offers
- Online retailers
- Financial or budgeting resources
- Advertising platforms
- Reference websites
- Other external services
These third-party websites operate independently from ClikVault.
We do not control and are not responsible for their content, availability, accuracy, privacy practices, security, terms, products, services, prices, or policies.
When you leave ClikVault and visit a third-party website, that website’s own terms and privacy policy apply.
Any purchase, registration, subscription, or other transaction you complete with a third party is between you and that third party.
7. Affiliate and CPA Relationships
ClikVault may participate in affiliate marketing and cost-per-action (CPA) programs.
This means that we may receive a commission or other compensation when a visitor clicks certain links or completes a qualifying action through a participating third-party service.
Affiliate relationships are disclosed on the Website where required by applicable law.
For more information, please see our Affiliate Disclosure.
8. Advertising
ClikVault may display advertisements through third-party advertising services, including Google AdSense, when available.
Advertising partners may use cookies or similar technologies in accordance with their applicable policies and your available privacy choices.
Advertising and affiliate relationships help support the operation and maintenance of the Website.
9. No Warranties
The Website and its content are provided on an “as is” and “as available” basis, to the fullest extent permitted by applicable law.
We do not guarantee that:
- The Website will always be available or uninterrupted.
- The Website will be free from errors.
- Information will always be complete, accurate, or current.
- The Website will be free from viruses or other harmful components.
- Any product, service, offer, or third-party website linked from ClikVault will meet your expectations.
Your use of the Website is at your own discretion and risk.
10. Limitation of Liability
To the fullest extent permitted by applicable law, ClikVault and Dr. Konagala Manikanta will not be liable for indirect, incidental, special, consequential, or punitive damages arising from or related to your use of, or inability to use, the Website.
This includes, where permitted by law, losses arising from:
- Reliance on information published on the Website.
- Errors or omissions in Website content.
- Website interruptions.
- Third-party websites or services.
- Products or services purchased through third-party links.
- Affiliate or CPA offers.
- Financial or other decisions made based on information found on the Website.
Nothing in these Terms excludes or limits liability that cannot legally be excluded or limited under applicable law.
11. Indemnification
To the extent permitted by applicable law, you agree to indemnify and hold harmless ClikVault and Dr. Konagala Manikanta from claims, losses, damages, liabilities, and reasonable expenses arising from:
- Your unlawful use of the Website.
- Your violation of these Terms.
- Your misuse of Website content.
- Your violation of the rights of another person or entity.
12. Website Changes
We may update, modify, suspend, or discontinue any part of the Website, including articles, features, links, or services, at any time.
We may also update these Terms when necessary.
Changes become effective when the revised Terms are published on this page, unless otherwise stated.
The “Last updated” date at the top of this page will indicate when the Terms were most recently revised.
13. Governing Law
These Terms are governed by the laws of India, without regard to conflict-of-law principles.
Subject to applicable law, disputes arising from or relating to these Terms or your use of the Website will be subject to the jurisdiction of the courts in India.
Nothing in this section is intended to remove or restrict any mandatory consumer protection rights that may apply to you under the laws of your country or state of residence.
14. Severability
If any provision of these Terms is determined to be invalid, unlawful, or unenforceable, that provision will be limited or removed to the extent necessary, while the remaining provisions will continue in full force and effect.
15. Entire Agreement
These Terms, together with our:
constitute the terms governing your use of the Website, subject to any additional terms that may apply to particular third-party services.
16. Contact Us
If you have questions about these Terms and Conditions, please contact us:
ClikVault
Operator: Dr. Konagala Manikanta
Country of operation: India
Email: contact@clikvault.com