Disclosures & Disclaimers
On this site I write about personal finance. I trying my best to provide well researched and accurate information on various topics that touch on personal finance. However, everything I write should be considered an opinion, I do not give financial advice.
All content on this website is information of a general nature and does not address the circumstances of any particular individual or entity. The content is for informational and educational purposes only, you should not construe any such information or other material as legal, tax, investment, financial, or other advice. Always do your own research and make your own decisions or hire a financial professional to assist you in doing so.
Any post on this website might contain affiliate links. Using those links could result in me receiving a (financial) compensation from the advertised product or service. This is at no cost to you.
I do not collect any personal information, apart from the anonymous data collected by Google Analytics, BlogLovin and the information given when signing on for my newsletter or when leaving a comment. If you trust me with your personal information, I will never sell or disclose any of your personal information.
Full Legal Disclaimer
TERMS AND CONDITIONS
NO INVESTMENT ADVICE
The Content is for informational purposes only, you should not construe any such information or other material as legal, tax, investment, financial, or other advice.
All Content on this site is information of a general nature and does not address the circumstances of any particular individual or entity. Nothing in the Site constitutes professional and/or financial advice, nor does any information on the Site constitute a comprehensive or complete statement of the matters discussed or the law relating thereto. financialphilosophies.com is not a fiduciary by virtue of any person’s use of or access to the Site or Content. You alone assume the sole responsibility of evaluating the merits and risks associated with the use of any information or other Content on the Site before making any decisions based on such information or other Content. In exchange for using the Site, you agree not to hold financialphilosophies.com, its affiliates or any third party service provider liable for any possible claim for damages arising from any decision you make based on information or other Content made available to you through the Site.
There are risks associated with investing in securities. Investing in stocks, bonds, exchange traded funds, mutual funds, and money market funds involve risk of loss. Loss of principal is possible. Some high risk investments may use leverage, which will accentuate gains & losses. Foreign investing involves special risks, including a greater volatility and political, economic and currency risks and differences in accounting methods. A security’s or a firm’s past investment performance is not a guarantee or predictor of future investment performance.
THIRD PARTY LINKED SITES
As a convenience to you, financialphilosophies.com may provide hyperlinks to web sites operated by third parties. financialphilosophies.com may receive compensation for providing these hyperlinks. When you select these hyperlinks you will be leaving the site. Because financialphilosophies.com has no control over such sites or their content, financialphilosophies.com is not responsible for the availability of such external sites or their content, and financialphilosophies.com does not adopt, endorse or nor is responsible or liable for any such sites or content, including advertising, products or other materials, on or available through such sites or resources.
Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.
Other web sites may provide links to the Site or Content with or without our authorization. financialphilosophies.com does not endorse such sites and shall not be responsible or liable for any links from those sites to the Site or Content, or for any content, advertising, products or other materials available on or through such other sites, or any loss or damages incurred in connection therewith. financialphilosophies.com may, in its sole discretion, block links to the Site and Content without prior notice.
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Certain sections of the site require cookies to be enabled to enhance site performance. For example, cookies provide a secure way for us to verify user identity during a session and any return visits, they enable us to personalize a user’s experience on our sites, and they help enhance site navigation. Cookies also help us to understand how people use our sites so we can improve site functionality.
When a user comes to the website, our server sends a cookie to the user’s computer. Standing alone, cookies do not identify the user personally; they merely recognize the user’s browser. Generally, personally identifiable information is obtained by us only when a user decides to provide it, such as when requesting additional information via email or providing personal information.
We use two types of cookies on our sites, temporary cookies and persistent cookies. Temporary cookies are used to store information during a browser session and will expire shortly after concluding a visit to one of our sites. Persistent cookies are used to store information between visits to one of our sites and are stored permanently or for a specified length of time. Persistent cookies are used to facilitate easier navigation within our sites and provide a higher level of convenience for the user.
A user can choose to have their computer issue a warning each time a cookie is being sent, or a user can choose to turn off all cookies. The management of cookies generally is handled through the user’s browser settings (e.g., Internet Explorer). To obtain more information about managing cookies, visit www.aboutcookies.org.
OTHER POTENTIAL DATA COLLECTION
If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.
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LIMITATION OF LIABILITY
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NOTICES, COMMUNICATIONS, AND ELECTRONIC SIGNATURES
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LIMITED RIGHT OF USE/OWNERSHIP OF CONTENT
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RULES OF CONDUCT
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