Disclosures

 

Note: This page is required by the FTC. However instead of reinvent the wheel, I took the generous off from Tim Ferris to borrow the text and images from his disclosure page that’s also mentioned in GenYFinanceGuy.

I created this blog to share my journey and thoughts and learn from ideas that my readers give. I did not make this blog to only make money.

However,  the FTC requires bloggers to disclose whenever there could be outside interests from bloggers, whether they be monetary or not, based on recommendations that I give so let’s take the road to full disclosures!

FTC Disclosure

Per the FTC rules, if I interview someone and they grab the bill for lunch, I would need to disclose this. Ditto if I use an Amazon link that gets me 8 cents instead of an Amazon link that gets me 0 cents. If someone gives me a comfy t-shirt with a logo and I wear it in a photo, same deal. Disclaimers all over the place. This would be tedious for me and even more tedious for readers. But rules is rules. To cover my ass and preserve your reading experience, please assume that, for every link and product I use, the following all hold true:


FTC 6FTC 5

FTC 4 FTC 3

FTC 2 FTC 1

General Terms and Conditions applicable to Use of a Web Site

Per FTC guidelines, this website may be compensated by companies mentioned through advertising, affiliate programs or otherwise. Any references to third party products, rates, or websites are subject to change without notice. Please do the appropriate research before participating in any third party offers.

Web Site Terms and Conditions of Use

1. Terms
By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this web site are protected by applicable copyright and trademark law.

2. Use License
a. Permission is granted to temporarily download one copy of the materials
(information or software) on Solvingfinance.com’s web site for personal,
non-commercial transitory viewing only. This is the grant of a license,
not a transfer of title, and under this license you may not:
i. modify or copy the materials;
ii. use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
iii. attempt to decompile or reverse engineer any software contained on Solvingfinance.com’s web site;
iv. remove any copyright or other proprietary notations from the materials; or
v. transfer the materials to another person or “mirror” the materials on any other server.
b. This license shall automatically terminate if you violate any of these restrictions and may be terminated by Solvingfinance.com at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.

3. Disclaimer
a. The materials on Solvingfinance.com’s web site are provided “as is”. Solvingfinance.com makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, Solvingfinance.com does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet web site or otherwise relating to such materials or on any sites linked to this site.

4. Limitations
In no event shall Solvingfinance.com or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on Solvingfinance.com’s Internet site, even if Solvingfinance.com or a Solvingfinance.com authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

5. Revisions and Errata
The materials appearing on Solvingfinance.com’s web site could include technical, typographical, or photographic errors. Solvingfinance.com does not warrant that any of the materials on its web site are accurate, complete, or current. Solvingfinance.com may make changes to the materials contained on its web site at any time without notice. Solvingfinance.com does not, however, make any commitment to update the materials.

6. Links
Solvingfinance.com has not reviewed all of the sites linked to its Internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Solvingfinance.com of the site. Use of any such linked web site is at the user’s own risk.

7. Site Terms of Use Modifications
Solvingfinance.com may revise these terms of use for its web site at any time without notice. By using this web site you are agreeing to be bound by the then current version of these Terms and Conditions of Use.

8. Governing Law
Any claim relating to Solvingfinance.com’s web site shall be governed by the laws of the State of California without regard to its conflict of law provisions.

9. Use Of Pictures
You may use the pictures taken by Solvingfinance if you provide a credit link back to Solvingfinance.com and an e-mail notification or comment on a post that you have done so.

10. Legal Age

You may not use the Services and may not accept the Terms if 1) you are not of legal age to form a binding contract with Solvingfinance, or 2) you are a person barred from receiving the Services under the laws of the United States or other countries including the country in which you are resident or from which you use the Services.

Privacy Policy for Solving Finance

If you require any more information or have any questions about our privacy policy, please feel free to contact us by email at http://solvingfinance.com/contact/.

At www.solvingfinance.com we consider the privacy of our visitors to be extremely important. This privacy policy document describes in detail the types of personal information is collected and recorded by www.solvingfinance.com and how we use it.

Log Files
Like many other Web sites, www.solvingfinance.com makes use of log files. These files merely logs visitors to the site – usually a standard procedure for hosting companies and a part of hosting services’s analytics. The information inside the log files includes internet protocol (IP) addresses, browser type, Internet Service Provider (ISP), date/time stamp, referring/exit pages, and possibly the number of clicks. This information is used to analyze trends, administer the site, track user’s movement around the site, and gather demographic information. IP addresses, and other such information are not linked to any information that is personally identifiable.

Cookies and Web Beacons
www.solvingfinance.com uses cookies to store information about visitors’ preferences, to record user-specific information on which pages the site visitor accesses or visits, and to personalize or customize our web page content based upon visitors’ browser type or other information that the visitor sends via their browser.

DoubleClick DART Cookie

→ Google, as a third party vendor, uses cookies to serve ads on www.solvingfinance.com.
→ Google’s use of the DART cookie enables it to serve ads to our site’s visitors based upon their visit to www.solvingfinance.com and other sites on the Internet.
→ Users may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy at the following URL – http://www.google.com/privacy_ads.html

Our Advertising Partners

Some of our advertising partners may use cookies and web beacons on our site. Our advertising partners include …….

  • Google

While each of these advertising partners has their own Privacy Policy for their site, an updated and hyperlinked resource is maintained here: Privacy Policies.
You may consult this listing to find the privacy policy for each of the advertising partners of www.solvingfinance.com.

These third-party ad servers or ad networks use technology in their respective advertisements and links that appear on www.solvingfinance.com and which are sent directly to your browser. They automatically receive your IP address when this occurs. Other technologies (such as cookies, JavaScript, or Web Beacons) may also be used by our site’s third-party ad networks to measure the effectiveness of their advertising campaigns and/or to personalize the advertising content that you see on the site.

www.solvingfinance.com has no access to or control over these cookies that are used by third-party advertisers.

Third Party Privacy Policies

You should consult the respective privacy policies of these third-party ad servers for more detailed information on their practices as well as for instructions about how to opt-out of certain practices. www.solvingfinance.com’s privacy policy does not apply to, and we cannot control the activities of, such other advertisers or web sites. You may find a comprehensive listing of these privacy policies and their links here: Privacy Policy Links.

If you wish to disable cookies, you may do so through your individual browser options. More detailed information about cookie management with specific web browsers can be found at the browsers’ respective websites. What Are Cookies?

Children’s Information
We believe it is important to provide added protection for children online. We encourage parents and guardians to spend time online with their children to observe, participate in and/or monitor and guide their online activity. www.solvingfinance.com does not knowingly collect any personally identifiable information from children under the age of 13. If a parent or guardian believes that www.solvingfinance.com has in its database the personally-identifiable information of a child under the age of 13, please contact us immediately (using the contact in the first paragraph) and we will use our best efforts to promptly remove such information from our records.

Online Privacy Policy Only
This privacy policy applies only to our online activities and is valid for visitors to our website and regarding information shared and/or collected there. This policy does not apply to any information collected offline or via channels other than this website.

Consent
By using our website, you hereby consent to our privacy policy and agree to its terms.

Privacy Policy Online Approved Site

Update
This Privacy Policy was last updated on: Friday, July 1st, 2016.
Should we update, amend or make any changes to our privacy policy, those changes will be posted here.

COPYRIGHT © 2016 SOLVING FINANCE

Please feel free to use the text and images on this page with proper attribution. There is no reason why each blogger should have to reinvent the wheel.

(Illustrations courtesy of Louis Gray and Jeannine Schafer)

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