Terms of Service | Privacy Statement | CCPA California Privacy Act | GDPR Compliance
Terms and Conditions
Agreement between User and www.msfinancialsavvy.com Welcome to www.msfinancialsavvy.com. The https://msfinancialsavvy.com website (the “Site”) is comprised of various web pages operated by MsFinancialSavvy (“MsFinancialSavvy”). www.msfinancialsavvy.com is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein (the “Terms”). Your use of www.msfinancialsavvy.com constitutes your agreement to all such Terms. Please read these terms carefully, and keep a copy of them for your reference. All information on MsFinancialSavvy.com is
copyrighted by MsFinancialSavvy and CenNet Systems LLC and cannot be used without explicit authorization.
https://msfinancialsavvy.com is a Personal Finance Blog Site.
Msfinancialsavvy provides its users with personal finance education through articles, newsletters, financial courses, and ebooks. We provide an 8-week personal finance course named, “course for fantastic finances” and a Car Buying and Home Buying course also. MsFinancialSavvy does not offer recommendations for buying or selling stocks, mutual funds, or any other type of investment or security.
Privacy Statement: From Information gathered to Security
Because we at MsFinancialSavvy.com gather certain types of information about users of our site, we feel you should be aware of the terms surrounding the capture and use of that information. Strong electronic privacy is crucial to the success of the Internet as an online medium. The following discloses what information we gather, how we use or distribute it, and how you can change it.
Information We Gather
We collect statistical information such as page views on an aggregated basis. Such information allows us to find out what areas and content are the most popular on our site. It also allows us to better tailor our content for readers and to help our advertisers understand the demographics of our audience. Aggregated data is essential to keeping MsFinancialSavvy.com free to users. Personal information about you is not obtainable during this process.
MsFinancialSavvy.com may sometimes conduct surveys to better understand our target audience. We sometimes conduct promotions that are sponsored by advertisers. Aggregated demographic data may be shared during the course of such promotions.
MsFinancialSavvy.com offers a free electronic newsletter to our readers. Users voluntarily subscribe to the mailing list by giving their e-mail addresses to us. Users may remove themselves from this mailing list by going to my “contact us” page on the top toolbar or by replying to a link provided in the electronic newsletter at the bottom of the newsletter at the “unsubscribe” link.
Message Boards and Blog Comments
Users of MsFinancialSavvy.com message boards or comment boards must register for these services. During registration, the user is required to supply a username, password, and e-mail address. Please remember that any information that is disclosed in these areas becomes public information and may be collected and used by others. You should exercise caution when deciding to disclose your personal information.
Cookies are small bits of data that are written to your hard drive when you visit a website. A cookie file can contain information such as a user ID to track the pages you’ve visited or a password, so you don’t constantly have to re-enter it. A cookie can’t read data off of your hard drive or read other cookies created by other websites.
This site contains links to other sites. We are not responsible for the privacy practices or the content of such websites. We do not control cookies from other outside sites.
How We Use the Information
MsFinancialSavvy.com uses your information on an aggregated basis to create traffic reports, deliver marketing messages, and enhance user experience. This also allows us to better anticipate the needs of our users and tailor future content based on user’s interests. Advertisers will be able to better understand our demographics so they can develop ads that users will find beneficial.
We will not sell your e-mail address or your name and personal demographic information (if requested) to mass marketers or mailing list distributors. We do not share personal information with third parties or affiliates without your explicit consent, period. On particular pages where we have an advertiser-sponsored promotion and request personal information, you will be notified of our intentions.
As stated above, MsFinancialSavvy.com uses e-mail addresses that users voluntarily provide in order to send out electronic newsletters. We may use the mailing list to occasionally send you information or updates from MsFinancialSavvy.com via e-mail. E-mail addresses are also used for logging into message boards and chatting areas. We retain e-mail addresses that were the result of correspondence with users. These include responses to such items as feedback, questions, or subscriptions.
How You Can Change the Information
MsFinancialSavvy.com gives its users an option to “Opt Out” of receiving such information as newsletters, a tip of the day, etc. Users may remove themselves from the newsletter mailing list by going to my “contact us” page on the top toolbar. Users may remove themselves from message board/chat areas by following the specific instructions for that particular area.
This site has security measures in place to protect against the loss, misuse, and alteration of the information under our control. We will ensure the proper safeguarding of your personal information.
Visiting www.msfinancialsavvy.com or sending emails to MsFinancialSavvy constitutes electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications that we provide to you electronically, via email, and on the Site, satisfy any legal requirement that such communications be in writing.
Children Under Thirteen
MsFinancialSavvy does not knowingly collect, either online or offline, personal information from persons under the age of thirteen. If you are under 18, you may use www.msfinancialsavvy.com only with the permission of a parent or guardian.
Courses may be canceled within 30 days for a full refund. Contact us at www.msfinancialsavvy.com/contact-us/ with any questions.
Links to Third Party Sites/Third Party Services
www.msfinancialsavvy.com may contain links to other websites (“Linked Sites”). The Linked Sites are not under the control of MsFinancialSavvy, and MsFinancialSavvy is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site or any changes or updates to a Linked Site. MsFinancialSavvy is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by MsFinancialSavvy of the site or any association with its operators.
Certain services made available via www.msfinancialsavvy.com are delivered by third-party sites and organizations. By using any product, service, or functionality originating from the www.msfinancialsavvy.com domain, you hereby acknowledge and consent that MsFinancialSavvy may share such information and data with any third party with whom MsFinancialSavvy has a contractual relationship to provide the requested product, service, or functionality on behalf of https://msfinancialsavvy.com users and customers.
No Unlawful or Prohibited Use/Intellectual Property
All content included as part of the Service, such as text, graphics, logos, images, as well as the compilation thereof, and any software used on the Site, is the property of MsFinancialSavvy or its suppliers and protected by copyright and other laws that protect intellectual property and proprietary rights. You agree to observe and abide by all copyright and other proprietary notices, legends, or other restrictions contained in any such content and will not make any changes thereto.
You will not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create derivative works, or in any way exploit any of the content, in whole or in part, found on the Site. MsFinancialSavvy content is not for resale. Your use of the Site does not entitle you to make any unauthorized use of any protected content, and in particular, you will not delete or alter any proprietary rights or attribution notices in any content. You will use protected content solely for your personal use and will make no other use of the content without the express written permission of MsFinancialSavvy and the copyright owner. You agree that you do not acquire any ownership rights in any protected content. We do not grant you any licenses, express or implied, to the intellectual property of MsFinancialSavvy or our licensors except as expressly authorized by these Terms.
Use of Communication Services
The Site may contain bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, and/or other message or communication facilities designed to enable you to communicate with the public at large or with a group (collectively, “Communication Services”). You agree to use the Communication Services only to post, send and receive messages and material that are proper and related to the particular Communication Service.
By way of example, and not as a limitation, you agree that when using a Communication Service, you will not: defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others; publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information; upload files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents; upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another’s computer; advertise or offer to sell or buy any goods or services for any business purpose, unless such Communication Service specifically allows such messages; conduct or forward surveys, contests, pyramid schemes or chain letters; download any file posted by another user of a Communication Service that you know, or reasonably should know, cannot be legally distributed in such manner; falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded; restrict or inhibit any other user from using and enjoying the Communication Services; violate any code of conduct or other guidelines which may be applicable for any particular Communication Service; harvest or otherwise collect information about others, including e-mail addresses, without their consent; violate any applicable laws or regulations.
MsFinancialSavvy has no obligation to monitor the Communication Services. However, MsFinancialSavvy reserves the right to review materials posted to a Communication Service and to remove any materials in its sole discretion. MsFinancialSavvy reserves the right to terminate your access to any or all of the Communication Services at any time without notice for any reason whatsoever.
MsFinancialSavvy reserves the right at all times 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 MsFinancialSavvy’s sole discretion.
Always use caution when giving out any personally identifying information about yourself or your children in any Communication Service. MsFinancialSavvy does not control or endorse the content, messages, or information found in any Communication Service, and, therefore, MsFinancialSavvy specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service. Managers and hosts are not authorized MsFinancialSavvy spokespersons, and their views do not necessarily reflect those of MsFinancialSavvy.
Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction, and/or dissemination. You are responsible for adhering to such limitations if you upload the materials.
Materials Provided to www.msfinancialsavvy.com or Posted on Any MsFinancialSavvy Web Page
MsFinancialSavvy does not claim ownership of the materials you provide to https://msfinancialsavvy.com (including feedback and suggestions) or post, upload, input, or submit to any MsFinancialSavvy Site or our associated services (collectively “Submissions”). However, by posting, uploading, inputting, providing, or submitting your Submission, you are granting MsFinancialSavvy, our affiliated companies, and necessary sublicensees permission to use your Submission in connection with the operation of their Internet businesses, including, without limitation, the rights to copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Submission; and to publish your name in connection with your Submission.
No compensation will be paid with respect to the use of your Submission, as provided herein. MsFinancialSavvy is under no obligation to post or use any Submission you may provide and may remove any Submission at any time in MsFinancialSavvy’s sole discretion.
By posting, uploading, inputting, providing, or submitting your Submission, you warrant and represent that you own or otherwise control all of the rights to your Submission as described in this section, including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions.
You will be able to connect your MsFinancialSavvy account to third-party accounts. By connecting your MsFinancialSavvy account to your third party account, you acknowledge and agree that you are consenting to the continuous release of information about you to others (in accordance with your privacy settings on those third-party sites). If you do not want information about you to be shared in this manner, do not use this feature.
The Service is controlled, operated, and administered by MsFinancialSavvy from our offices within the USA. If you access the Service from a location outside the USA, you are responsible for compliance with all local laws. You agree that you will not use the MsFinancialSavvy Content accessed through https://msfinancialsavvy.com in any country or in any manner prohibited by any applicable laws, restrictions, or regulations.
You agree to indemnify, defend and hold harmless MsFinancialSavvy, its officers, directors, employees, agents, and third parties for any losses, costs, liabilities, and expenses (including reasonable attorney’s fees) relating to or arising out of your use of or inability to use the Site or services, any user postings made by you, your violation of any terms of this Agreement or your violation of any rights of a third party, or your violation of any applicable laws, rules or regulations. MsFinancialSavvy reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with MsFinancialSavvy in asserting any available defenses.
In the event that the parties are not able to resolve any dispute between them arising out of or concerning these Terms and Conditions, or any provisions hereof, whether in contract, tort, or otherwise at law or in equity for damages or any other relief, then such dispute shall be resolved only by final and binding arbitration pursuant to the Federal Arbitration Act, conducted by a single neutral arbitrator and administered by the American Arbitration Association, or a similar arbitration service selected by the parties, in a location mutually agreed upon by the parties. The arbitrator’s award shall be final, and judgment may be entered upon it in any court having jurisdiction. In the event that any legal or equitable action, proceeding, or arbitration arises out of or concerns these Terms and Conditions, the prevailing party shall be entitled to recover its costs and reasonable attorney’s fees. The parties agree to arbitrate all disputes and claims in regards to these Terms and Conditions or any disputes arising as a result of these Terms and Conditions, whether directly or indirectly, including Tort claims that are a result of these Terms and Conditions. The parties agree that the Federal Arbitration Act governs the interpretation and enforcement of this provision. The entire dispute, including the scope and enforceability of this arbitration provision, shall be determined by the Arbitrator. This arbitration provision shall survive the termination of these Terms and Conditions.
For California Residents | California Consumer Privacy Act (CCPA)
Effective January 1, 2020, the California Consumer Privacy Act of 2018 (CCPA) afforded California residents (i) the right to request disclosure of data collection and sales practices in connection with the requesting consumer; (ii) the right to have the requesting consumer’s information deleted, subject to certain exceptions; (iii) the right to request that their personal information not be sold to third parties, if applicable; and (iv) the right not to be discriminated against because they exercised any of the new rights.
California residents may submit personal information or erasure request via email to MsFinancialSavvy. MsFinancialSavvy will need to collect information from the requesting party to verify their identity and will respond within 45 days of receiving a personal information request (subject to an additional 45-day extension in certain circumstances).
Please be aware that such a request does not ensure complete or comprehensive removal of your content or information and that there may be circumstances in which the law does not require or allow removal even if requested. For example, if your personal information is contained in a document created by a MsFinancialSavvy user, only that user can delete that document.
Class Action Waiver
Any arbitration under these Terms and Conditions will take place on an individual basis; class arbitrations and class/representative/collective actions are not permitted. THE PARTIES AGREE THAT A PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN EACH’S INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PUTATIVE CLASS, COLLECTIVE, AND/ OR REPRESENTATIVE PROCEEDING, SUCH AS IN THE FORM OF A PRIVATE ATTORNEY GENERAL ACTION AGAINST THE OTHER. Further, unless both you and MsFinancialSavvy agree otherwise, the arbitrator may not consolidate more than one person’s claims and may not otherwise preside over any form of a representative or class proceeding.
THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. MSFINANCIALSAVVY OF CENNET SYSTEMS AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE SITE AT ANY TIME.
MSFINANCIALSAVVY OF CENNET SYSTEMS AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES, AND RELATED GRAPHICS CONTAINED ON THE SITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES, AND RELATED GRAPHICS ARE PROVIDED “AS IS” WITHOUT WARRANTY OR CONDITION OF ANY KIND. MSFINANCIALSAVVY OF CENNET SYSTEMS AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES, AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
MsFinancialSavvy reserves the right, in its sole discretion, to terminate your access to the Site and the related services or any portion thereof at any time, without notice. To the maximum extent permitted by law, this agreement is governed by the laws of the Commonwealth of Virginia, and you hereby consent to the exclusive jurisdiction and venue of courts in Virginia in all disputes arising out of or relating to the use of the Site. Use of the Site is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms, including, without limitation, this section.
You agree that no joint venture, partnership, employment, or agency relationship exists between you and MsFinancialSavvy as a result of this agreement or use of the Site. MsFinancialSavvy’s performance of this agreement is subject to existing laws and legal processes, and nothing contained in this agreement is in derogation of MsFinancialSavvy’s right to comply with governmental, court, and law enforcement requests or requirements relating to your use of the Site or information provided to or gathered by MsFinancialSavvy with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect.
Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and MsFinancialSavvy with respect to the Site, and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and MsFinancialSavvy with respect to the Site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be written in English.
Changes to Terms
MsFinancialSavvy reserves the right, in its sole discretion, to change the Terms under which www.msfinancialsavvy.com is offered. The most current version of the Terms will supersede all previous versions. MsFinancialSavvy encourages you to periodically review the Terms to stay informed of our updates.
CenNet Systems LLC – MsFinancialSavvy is a personal finance blog of CenNet Systems LLC.
MsFinancialSavvy welcomes your questions or comments regarding the Terms:
© Copyright MsFinancialSavvy of CenNet Systems
P.O. Box 1385
Chesapeake, Virginia 23327-1385
Effective as of September 13, 2022