Terms of Use

www.personalfinanceinstitute.org (the “Site”) is a free public educational resource provided by the Personal Finance Institute (“PFI,” “we,” “us,” or “our”), a 501(c)(3) nonprofit organization. By using the Site, you agree to be bound by these Terms of Use (this “Agreement”). If you do not agree to this Agreement, please do not use the Site. Failure to comply with this Agreement may result in termination of your access to the Site without notice and without limitation of any other remedy available to PFI.

PFI may revise this Agreement at any time. When changes are made, PFI will notify you by posting an updated version on the Site. By continuing to use the Site after changes are posted, you agree to be bound by the revised Agreement.

Copyright and Limitations on Use

The content available through the Site, including but not limited to text, graphics, educational materials, and other information (collectively, “Content”), is the property of PFI and, where applicable, its licensors, and is protected by United States copyright law and other applicable intellectual property laws. Content accessed through the Site may be displayed, reformatted, and printed for your personal, noncommercial use only.

Without the prior written consent of PFI, you agree not to:

• Store, post, or otherwise archive Content from the Site on a personal computer, local or wide area network, online service, electronic bulletin board or forum, website, or any other internet-enabled server
• Reproduce, retransmit, distribute, sell, publicly display, publish, or broadcast Content to any person or entity, including others within the same organization
• Create abstracts from, scrape, or display headlines or excerpts from the Site for use on another website or service
• Frame, or use other means of redirecting, Content from the Site
• Use Content from the Site for any commercial purpose

You may reference or share links to Content from the Site, provided you clearly attribute the material to the Personal Finance Institute and include a reference to www.personalfinanceinstitute.org.

Educational Purpose; No Professional Advice

The Content on the Site is provided for general educational and informational purposes only. Nothing on the Site constitutes financial, legal, tax, investment, or other professional advice. PFI is a nonprofit educational organization and is not a registered investment adviser, broker-dealer, or financial planning firm.

You should consult a qualified financial, legal, or tax professional before making any financial decisions. PFI does not endorse any specific financial product, service, institution, or investment strategy.

Disclaimer of Warranties and Liability

The Content available through the Site may include facts, perspectives, and general information drawn from a variety of sources. While PFI makes reasonable efforts to ensure the accuracy and currency of its Content, PFI cannot guarantee that all information is complete, accurate, or up to date.

PFI and its officers, directors, employees, agents, and licensors do not warrant the accuracy, completeness, currentness, noninfringement, merchantability, or fitness for a particular purpose of the content available through the site. Neither PFI, nor any of its officers, directors, employees, agents, or licensors, shall be liable to you or any other person for any loss or injury arising in whole or in part from the use of or reliance on any content available through the site.

In no event will PFI, its officers, directors, employees, agents, or licensors be liable for any decision made or action taken by you in reliance on content from the site, or for any consequential, incidental, special, or similar damages, even if advised of the possibility of such damages. Because the site is provided free of charge, and to the fullest extent permitted by applicable law, PFI’s total liability to you for any claim arising in connection with the site or its content shall not exceed zero dollars ($0.00).

User-Submitted Content

To the extent the Site offers any interactive features that allow you to post comments, questions, or other content, by submitting such content you represent and warrant that:

• You own or otherwise control all rights to the content you submit
• The content is accurate and does not violate any applicable law
• The content does not violate this Agreement or the rights of any third party

PFI reserves the right, but has no obligation, to review, edit, or remove any user-submitted content at any time and for any reason. PFI does not assume any liability for user-submitted content.

Third-Party Links

The Site may contain hyperlinks to third-party websites or resources. These links are provided for your convenience only. PFI has no control over the content, accuracy, or availability of those sites and does not endorse them. You agree that PFI will not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by your use of or reliance on any content, goods, or services available through any linked third-party site.

Cookies

The Site may use cookies, which are small data files placed on your device when you visit a website. PFI uses cookies to understand how visitors use the Site and to improve its functionality and content. The information collected through cookies is used in aggregate and anonymous form. For more information about how PFI uses cookies, please review our Privacy Policy.

Modifications and Availability

PFI reserves the right to modify, suspend, or discontinue the Site, or any portion thereof, at any time and without notice. PFI shall not be liable to you or any third party for any such modification, suspension, or discontinuation.

General Provisions

This Agreement is personal to you. You may not assign your rights or obligations under this Agreement to any other person or entity. If any provision of this Agreement is found to be invalid or unenforceable under applicable law, the remaining provisions will continue in full force and effect.

This Agreement, together with PFI’s Privacy Policy, constitutes the entire agreement between you and PFI with respect to your use of the Site and supersedes any prior agreements, whether oral or written.

This Agreement and all matters relating to your use of the Site shall be governed by the laws of the United States of America and the Commonwealth of Virginia, without regard to its conflict of law provisions. Any action to enforce this Agreement or otherwise arising from your use of the Site shall be brought exclusively in the federal or state courts located in the Commonwealth of Virginia, and you hereby consent to the personal jurisdiction of such courts.

Copyright Infringement Notices

If you believe that any Content available through the Site infringes upon your copyright, you may submit a notice to PFI pursuant to the Online Copyright Infringement Liability Limitation Act of the Digital Millennium Copyright Act, 17 U.S.C. §512. Your notice must include:

• A physical or electronic signature of the copyright owner or a person authorized to act on their behalf
• Identification of the copyrighted work claimed to have been infringed
• Identification of the material that is claimed to be infringing and its location on the Site
• Your contact information, including name, address, telephone number, and email address
• A statement that you have a good faith belief that the use of the material is not authorized by the copyright owner, its agent, or the law
• A statement, made under penalty of perjury, that the information in your notice is accurate and that you are authorized to act on behalf of the copyright owner

Please send copyright infringement notices to:

Personal Finance Institute

Website: www.personalfinanceinstitute.org

Email: [email protected]

Personal Finance Institute is a 501(c)(3) nonprofit organization.

www.personalfinanceinstitute.org