Terms and Conditions

TERMS AND CONDITIONS

BY ACCESSING AND USING THIS FISCAL SANITY WEB SITE, YOU ARE AGREEING TO BE LEGALLY BOUND BY THESE TERMS OF USE.

By using this Web Site, which is a service from Fiscal Sanity, you are representing to Fiscal Sanity that you are at least 18 years old (or the minimum legal age in the jurisdiction in which you are viewing this Fiscal Sanity Web Site). You may not use this Fiscal Sanity Web Site for any unlawful purpose. Fiscal Sanity may change any term in these Terms of Use at any time. The changes will appear in these Terms of Use, and your use of this Fiscal Sanity Web Site after any changes have been posted will constitute your agreement to the modified Terms of Use and all of the changes. Therefore, you should read these Terms of Use each time you access this Fiscal Sanity Web Site, before you begin using this Fiscal Sanity Web Site. You may print a copy of these Terms of Use for your reference. You understand and agree that Fiscal Sanity may discontinue or change this Fiscal Sanity Web Site at any time, without notice. You also understand and agree that Fiscal Sanity may discontinue or restrict your use of this Fiscal Sanity Web Site for any reason without notice.

COPYRIGHT AND LIMITATIONS ON USE

The content displayed on this Fiscal Sanity Web Site (the “Content”) is the property of Fiscal Sanity or its licensors and is protected by copyright and other intellectual property laws. The Content includes for example, stories, tools, calculators and other items displayed on the site. This Fiscal Sanity Web Site and the Content may only be used for your personal and noncommercial use. You agree not to reproduce, retransmit, distribute, disseminate, sell, publish, broadcast or circulate the Content to anyone, including but not limited to others in the your company or organization, without the express prior written consent of Fiscal Sanity, with this one exception:

You may, on an occasional and irregular basis, disseminate an insubstantial portion of content from this Fiscal Sanity Web Site, for a noncommercial purpose, without charge, and transmitted in non-electronic form, to a limited number of individuals, provided you include all copyright and other proprietary rights notices with such portion of the content in the same form in which the notices appear in this Fiscal Sanity Web Site, original source attribution, and the phrase “Used with permission from Fiscal Sanity.” You may not post any content from this Fiscal Sanity Web Site to newsgroups, mail lists, electronic bulletin boards or other web sites, without the prior written consent of Fiscal Sanity.

This Fiscal Sanity Web Site includes facts, views, opinions and recommendations of individuals and organizations deemed of interest. Fiscal Sanity and its Content licensors are not giving investment advice, tax advice, legal advice, or other professional advice. Fiscal Sanity and its Content licensors do not guarantee or warrant the accuracy, completeness or timeliness of, or otherwise endorse, these views, opinions and recommendations or advocate the purchase or sale of any security or investment. You should always seek the assistance of a professional for advice on investments, tax, the law, or other professional matters.

Fiscal Sanity.com provides general financial information designed to educate broad segments of the public. Fiscal Sanity.com’s interactive features are an educational and informational service designed to help users identify savings and investment strategies that can help them meet their financial goals. They do not take into account all of the unique circumstances that may affect a user’s financial decisions, and nothing contained herein should be considered personalized investment advice that is tailored to the individual needs of users. The results obtained by using these features should not serve as the sole or primary basis for making investment decisions. Users should consult their financial advisors to develop a personalized plan that takes into account their individual needs and circumstances.

DISCLAIMER OR WARRANTIES AND LIABILITY

Due to the number of sources from which content in this Fiscal Sanity Web Site is obtained, and the inherent hazards of electronic distribution, there may be delays, omissions or inaccuracies in such content and this Fiscal Sanity Web Site. FISCAL SANITY AND ITS AFFILIATES, AGENTS AND LICENSORS CANNOT AND DO NOT WARRANT THE ACCURACY, COMPLETENESS, TIMELINESS, NONINFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OF THE CONTENT AVAILABLE THROUGH THIS FISCAL SANITY WEB SITE, OR THIS FISCAL SANITY WEB SITE ITSELF. NEITHER FISCAL SANITY NOR ANY OF ITS AFFILIATES, AGENTS OR LICENSORS SHALL BE LIABLE TO YOU OR ANYONE ELSE FOR ANY LOSS OR INJURY, OTHER THAN DEATH OR PERSONAL INJURY RESULTING DIRECTLY FROM USE OF THIS FISCAL SANITY WEB SITE, CAUSED IN WHOLE OR PART BY ITS NEGLIGENCE OR CONTINGENCIES BEYOND ITS CONTROL IN PROCURING, COMPILING, INTERPRETING, REPORTING OR DELIVERING THIS FISCAL SANITY WEB SITE AND ANY CONTENT THROUGH THIS FISCAL SANITY WEB SITE. IN NO EVENT WILL FISCAL SANITY, ITS AFFILIATES, AGENTS OR LICENSORS BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DECISION MADE OR ACTION TAKEN BY YOU IN RELIANCE ON SUCH CONTENT OR THIS FISCAL SANITY WEB SITE. FISCAL SANITY AND ITS AFFILIATES, AGENTS AND LICENSORS SHALL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DAMAGES OTHER THAN DIRECT DAMAGES (INCLUDING, WITHOUT LIMITATION, CONSEQUENTIAL, SPECIAL, INCIDENTAL, INDIRECT, OR SIMILAR DAMAGES) EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. BECAUSE SOME STATES OR JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR DAMAGES OR THE EXCLUSION OF CERTAIN TYPES OF WARRANTIES, PARTS OR ALL OF THE ABOVE LIMITATION MAY NOT APPLY TO YOU.

FORUMS

Certain areas of this Fiscal Sanity Web Site enable you to access online forums where you can post messages and read messages posted by other users (the “Forums”). Some of the Forums topics are selected by Fiscal Sanity and others are created by users. Fiscal Sanity does not endorse, and specifically disclaims any responsibility or liability for, any content posted on the Forums, whether the topic is first selected by Fiscal Sanity or a user. The Forums are a free service provided to users of Fiscal Sanity. By posting a message in the Forums, you agree to be bound by the following terms and conditions. If you do not want to be bound by these terms, then do not use the Forums.

You agree to be fully responsible for your own postings and agree to access and use the Forums at your own risk on an as-is basis. While Fiscal Sanity has no obligation to monitor the Forums, it may, from time to time, monitor the Forums to determine whether postings comply with these Terms of Use, to guide the discussion on the Forums, or for other reasons. Fiscal Sanity cannot and does not guarantee that it will post or continue to post every message or other content you or other users submit to the Forum. Also, Fiscal Sanity reserves the right to edit or abridge postings for any reason and to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in Fiscal Sanity’ sole discretion.

You must abide by the following rules in connection with your use of the Forums:

• You agree to post only messages that relate to the subject matter of the Forum.
• You agree not to defame, abuse, harass, stalk, threaten or otherwise violate the legal rights of others.
• You agree not to impersonate any person or entity, including, for example, a Fiscal Sanity employee or officer, a forum leader, or falsely state or otherwise misrepresent your affiliation with a person or entity.
• You agree not to post messages that contain material that is inappropriate, profane, defamatory, infringing, obscene, or indecent. This includes any content that infringes any patent, trademark, trade secret, copyright or other proprietary rights of any party. You agree to give attribution to others when you quote or paraphrase materials owned by others, and to limit your quotations to no more than 50 words.
• You agree not to upload files, or cause users to upload files, that contain viruses, corrupted files, or any other similar software or programs that may adversely affect the operation of another’s computer.
• You agree not to advertise or promote any goods or services in the Forums. This includes, among other things, “junk mail”, “spam”, “chain letters”, and “pyramid schemes.”
• You agree not to conduct contests or distribute chain letters through the Forums.
• You agree not to violate any applicable local, state, national or international law in connection with your use of the Forums. This includes, among other things, any securities law or regulation.

By posting a message, uploading a file, or engaging in any other form of communication through a Forum, you are granting Fiscal Sanity a perpetual, royalty-free and irrevocable right and license to use, reproduce, modify, adapt, publish, translate, distribute, transmit, publicly display, publicly perform, sublicense, create derivative works from, transfer, and sell any such messages, files or communications.

You agree to indemnify and hold Fiscal Sanity and its affiliates and their respective, officers, directors and employees harmless from any claims, damages, losses or costs (including reasonable attorney’s fees) that arise out of any of your postings and any material contained therein.

What to do if you believe a posting violates these Terms of Use: If you believe that a posting in a Forum violates these Terms of Use, we encourage you to contact Fiscal Sanity by sending an email using fs-support@fiscalsanity.com that identifies the applicable posting and the screen identity of the person who made the posting. Fiscal Sanity cannot guarantee that any action will be taken as a result of your email.

LINKS TO THIRD PARTY SITES

This Fiscal Sanity Web Site contains hyperlinks to web sites operated by persons other than Fiscal Sanity. Such hyperlinks are provided for your reference and convenience only. You agree not to hold Fiscal Sanity responsible for the content or operation of such web sites. A hyperlink from this Fiscal Sanity Web Site to another web site does not imply or mean that Fiscal Sanity endorses the content on that web site or the operator or operations of that site. You are solely responsible for determining the extent to which you may use any content at any other web sites to which you might link from this Fiscal Sanity Web Site.

If you wish to make purchases from an area of this Fiscal Sanity Web Site or a “co-branded” web site operated by a person other than Fiscal Sanity (a “Co-Branded Site”), you may be asked by the merchant or operator of the Co-Branded Site or other person from whom you are making the purchase to supply certain information, including credit card, debit card, or other payment mechanism information. You agree not to hold Fiscal Sanity liable for any loss or damage of any sort incurred as a result of any such dealings with any Co-Branded Site or merchant or operator of the Co-Branded Site or other person from whom you are making the purchase. You agree that all information you provide in connection with such purchase will be accurate, complete and current. You agree to pay all charges incurred by users of your credit card, debit card, or other payment mechanism at the prices in effect when such charges are incurred. You also will pay any applicable taxes, if any, relating to any purchases you make. Each Co-Branded Site will contain a description of the site’s privacy policy regarding any personal identifying information you may be required to disclose as part of the purchase.

MISCELLANEOUS LEGAL TERMS

This Agreement is personal to you, and you may not assign your rights or obligations to anyone. If any provision in this Agreement is invalid or unenforceable under applicable law, the remaining provisions will continue in full force and effect. This Agreement, your rights and obligations, and all actions contemplated by this agreement shall be governed by the laws of the United States of America and the State of New York, as if the Agreement was a contract wholly entered into and wholly performed within the State of New York.