MoneyBasicsU is accessible worldwide to anyone with Internet access. Access to and use of the Service are subject to the terms and conditions of this User Agreement and Privacy Policy and all applicable laws and regulations, including laws and regulations governing copyright and trademark. By accessing the Service, you accept, without limitation or qualification, all of the terms and conditions in this User Agreement and Privacy Policy. MoneyBasicsU reserves the right to change these terms and conditions at any time. The changes will appear on this screen. By using the Service, you agree in advance to accept any changes.

We welcome any comments you may have about the Website. Electronic communications are not secure. As a result, we discourage you from sending any confidential information to us electronically. MoneyBasicsU does not disclose any information we deem confidential on our Website or through electronic means.

Any links to other organizations contained on this site are for informational purposes only and do not imply endorsement by MoneyBasicsU.

Use of the Service
Your use of the Service is at your own risk. Neither MoneyBasicsU nor any of its subsidiaries, divisions, affiliates, agents, representatives or licensors shall be liable to you or anyone else for any loss or injury or any direct, indirect, incidental, consequential, special, punitive or similar damages arising out of your access or use of, or your inability to access or use, the Service and the information available on the Service or arising out of any action taken in response to or as a result of any information available on the service. You hereby waive any and all claims against MoneyBasicsU and its subsidiaries, divisions, affiliates, agents, representatives and licensors arising out of your use of the Service and the information available thereon.

Materials Used & Displayed
The materials used and displayed on the Service, including, but not limited to, text, photographs, illustrations and artwork, graphics, names, logos, and trademarks are the property of MoneyBasicsU or its licensors and are protected by copyright, trademark and other laws. Any such content may be displayed solely for your personal, non-commercial use. You agree not to copy, modify, reproduce, retransmit, distribute, disseminate, sell, publish, broadcast or circulate any such material without the written permission of MoneyBasicsU or the appropriate licensor.

Information & Facts & Opinions
The Service contains information, facts, and opinions from various individuals. The service is provided on an “as is” basis without warranties of any kind, either express or implied, including, but not limited to, warranties of title or implied warranties of merchantability or fitness for a particular purpose, other than those warranties which are imposed by and incapable of exclusion, restriction or modification under the laws applicable to this agreement. MoneyBasicsU does not endorse or is responsible for the accuracy or reliability of any opinion, advice or statement on the Service.

Material Submitted to Service
The Service includes, but not limited to, Letters to the Editor: You acknowledge, as a contributor to the Service that you are granting (or warrant that the owner of such rights has expressly granted) to MoneyBasicsU a royalty-free, perpetual, irrevocable, nonexclusive right and license to edit, copy, use, reproduce, broadcast and publicize your material or any part thereof in any manner whatsoever, without any compensation to you. In addition, you acknowledge and agree that you have waived any “moral rights” in your responses.

In the submission of Creative Ideas for the Service, you hereby waive any ownership rights in a said Creative Idea and acknowledge they will become our property. As our property, we will exclusively own all rights to the Creative Ideas worldwide, and will be entitled to the restricted use of the Creative Ideas for any purpose, without any compensation to you.

You also agree not to submit or transmit any unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, profane, hateful, racially, ethnically or otherwise objectionable material of any kind, including, but not limited to, any material which encourages conduct that would constitute a criminal offense, violate the rights of others, or otherwise violate any applicable local, state, national or international law. You will be responsible for, and indemnify and hold harmless MoneyBasicsU, its subsidiaries, divisions, affiliates, agents and representatives against, any claim arising from any material that you transmit.

Site Usage Statistics
Site usage statistics collected will be used by MoneyBasicsU to improve the Website. MoneyBasicsU will not obtain personally identifying information about you when you visit this site, unless you choose to provide such information. Any personally identifying information collected will be used as described at the point of collection. MoneyBasicsU does not disclose, give, sell, or transfer any personal information to third parties. MoneyBasicsU makes every attempt to protect any personal information that you provide.

This Website is used as a repository of information about the MoneyBasicsU, its mission, projects, services, and other pertinent information. However, MoneyBasicsU may utilize cookies to enhance this Website. Cookies are files which are placed on your computer when viewing web pages. These files are used to identify returning users. You do not need cookies to be enabled to visit this site.

This Website contains links to other Websites. MoneyBasicsU is not responsible for the privacy practices or content of these Websites. When leaving this Website, MoneyBasicsU encourages you to be aware and read the privacy statements of each Website that you visit.  These sites are not under the control of MoneyBasicsU and are not covered under our Privacy Policy and User Agreement.

While MoneyBasicsU will make every attempt to protect the personal information that you share with us, electronic mail is not secure.

In addition, due to the existing legal regulatory and security environment, we cannot fully ensure that your private communications and other personally identifiable information will not be disclosed to third parties. Third parties, under certain circumstances, may unlawfully intercept or access transmissions or private communications. Additionally, in the unlikely event we need to investigate or resolve possible problems or inquiries, we can (and you authorize us to do so) disclose any information about you to private entities, law enforcement or other government officials as we, in our sole discretion, believe necessary or appropriate.

Visitors to this Website that experience any accessibility problems are encouraged to contact MoneyBasicsU so the problem can be resolved.