Personal Finance SAGE
help with the road ahead
Terms of Use

Welcome to the Personal Finance SAGE

Thank you for your interest in www.PersonalFinanceSAGE.com (“PF SAGE”).  This site was developed to provide a broad understanding of personal finance principals and to offer related tools and information to help the user identify personal solutions to common financial issues.  The material on this site is to be used for educational and informational purposes to help you organize and manage your finances.  It is not intended to provide legal, tax or financial advice.

 

Terms of Use Agreement

This Agreement sets forth the terms and conditions that apply to your access and use of the Internet Web site owned and operated by the PF SAGE proprietorship.  Your right to access and use PF SAGE and the Service is personal to you and is not transferable by you to any other person or entity. You are only entitled to access and use PF SAGE for lawful purposes.

 

Acceptance of the Terms

By using the information, tools, features and functionality located on and from www.personalfinancesage.com (together the “Service”), you agree to be bound by the terms and conditions of this Agreement and PF SAGE’s Privacy Policy.  You may not use the Service and you may not accept this Agreement if you are not of a legal age to form a binding contract with PF SAGE.  If you accept this Agreement, you represent that you have the capacity to be bound by it or if you are acting on behalf of a company or entity that you have the authority to bind such entity. Before you continue, you should print or save a local copy of this Agreement for your records.

 

Privacy and your Personal Information

For information about PF SAGE’s data protection practices, please read the PF SAGE Privacy Policy, which is hereby incorporated into this Agreement. This policy explains how PF SAGE treats your personal information, and protects your privacy, when you access PF SAGE and use the Service. The policy may be updated from time to time at our discretion. Changes will be effective upon posting to the site.

 

Intellectual Property Rights

The contents of PF SAGE, including its “look and feel” (e.g., text, graphics, images, logos and button icons), photographs, editorial content, notices, and other material are protected under United States and other applicable copyright, trademark and other laws. The contents of PF SAGE belong or are licensed to PF SAGE or its software or content suppliers.  PF SAGE grants you the right to view and use PF SAGE subject to these terms. You may download or print a copy of information provided on PF SAGE for your personal, internal and non-commercial use only. Any distribution, reprint or electronic reproduction of any content from PF SAGE in whole or in part for any other purpose is expressly prohibited without our prior written consent.

 

Offers and Third-Party Links

Some parts of the Service are supported by sponsored links from advertisers and display offers.  PF SAGE does not endorse, warrant or guarantee the products or services available through the sponsored or advertised links, and PF SAGE is not responsible for the activities or policies of those web sites.

 

Access and Interference

You agree that you will not:

1.       Use any robot, spider, scraper, deep link or other similar automated data gathering or extraction tools, program, algorithm or methodology to access, acquire, copy or monitor PF SAGE or any portion of PF SAGE, without PF SAGE’s express written consent, which may be withheld in PF SAGE’s sole discretion;

2.       Use or attempt to use any engine, software, tool, agent, or other device or mechanism (including without limitation browsers, spiders, robots, avatars or intelligent agents) to navigate or search PF SAGE, other than the search engines and search agents available through the Service and other than generally available third-party web browsers (such as Microsoft Explorer);

3.      Post or transmit any file which contains viruses, worms, Trojan horses or any other contaminating or destructive features, or that otherwise interfere with the proper working of PF SAGE or the Service; or

4.       Attempt to decipher, decompile, disassemble, or reverse-engineer any of the software comprising or in any way making up a part of PF SAGE or the Service.

 

Disclaimer of Representations and Warranties

THE CONTENT AND ALL SERVICES AND PRODUCTS ASSOCIATED WITH PF SAGE OR PROVIDED THROUGH THE SERVICE ARE PROVIDED TO YOU ON AN “AS-IS” AND “AS AVAILABLE” BASIS.   PF SAGE MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE CONTENT OR OPERATION OF PF SAGE OR OF THE SERVICE. YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK.  PF SAGE MAKES NO REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, RELIABILITY OR COMPLETENESS OF THE CONTENT ON PF SAGE OR OF THE SERVICE, AND EXPRESSLY DISCLAIMS ANY WARRANTIES OF NON-INFRINGEMENT OR FITNESS FOR A PARTICULAR PURPOSE. PF SAGE MAKES NO REPRESENTATION, WARRANTY OR GUARANTEE THAT THE CONTENT THAT MAY BE AVAILABLE THROUGH THE SERVICE IS FREE OF INFECTION FROM ANY VIRUSES OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE, SURREPTITOUSLY INTERCEPT OR EXPROPRIATE ANY SYSTEM, DATA OR PERSONAL INFORMATION.

 

Not a Financial Planner, Broker or Tax Advisor

NEITHER PF SAGE NOR THE SERVICE IS INTENDED TO PROVIDE LEGAL, TAX OR FINANCIAL ADVICE. PF SAGE IS NOT A FINANCIAL PLANNER, BROKER OR TAX ADVISOR.  The Service is intended only to assist you in your financial organization and decision-making and is broad in scope. Your personal financial situation is unique, and any information and advice obtained through the Service may not be appropriate for your situation. Accordingly, before making any final decisions or implementing any financial strategy, you should consider obtaining additional information and advice from your accountant or other financial advisers who are fully aware of your individual circumstances.

 

Limitations on PF SAGE’s Liability

PF SAGE SHALL IN NO EVENT BE RESPONSIBLE OR LIABLE TO YOU OR TO ANY THIRD PARTY, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE, FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, LIQUIDATED OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFIT, REVENUE OR BUSINESS, ARISING IN WHOLE OR IN PART FROM YOUR ACCESS TO PF SAGE, YOUR USE OF THE SERVICE OR THIS AGREEMENT, EVEN IF PF SAGE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. 

 

Your Indemnification of PF SAGE

You shall defend, indemnify and hold harmless PF SAGE and its officers, directors, shareholders, and employees, from and against all claims and expenses, including but not limited to attorneys fees, in whole or in part arising out of or attributable to any breach of this Agreement by you.

 

Modifications

PF SAGE may modify this Agreement from time to time. You will be notified of any and all changes to this Agreement through a prominent notice on the PF SAGE site. In addition, the Agreement will always indicate the date it was last revised. You are deemed to accept and agree to be bound by any changes to the Agreement when you use the Service after those changes are posted.

 

Thank you for using PF SAGE!

Date Last Revised: January 15, 2011