Personal Financial Development in the USA

Terms & Conditions

Last updated: November 10, 2023

Welcome to Personal Financial Development. Please read these Terms and Conditions carefully before accessing or using our website and services. By accessing or using any part of our site, you agree to be bound by these Terms and Conditions. If you do not agree to all the terms and conditions of this agreement, then you may not access the website or use any services.

1. Website Use and Access

By using our website, you represent and warrant that you are at least 18 years of age and possess the legal authority, right, and freedom to enter into these Terms and Conditions and to comply with its terms. The access to and use of the website is subject to these Terms and Conditions and all applicable laws and regulations.

We grant you a non-exclusive, non-transferable, revocable license to:

• Access and use the website for your personal, non-commercial purposes
• View, download, and print content from the website solely for your personal use

This license does not include the right to:

• Modify or copy the materials
• Use the materials for any commercial purpose or for any public display
• Remove any copyright or other proprietary notations from the materials
• Transfer the materials to another person or "mirror" the materials on any other server

2. User Responsibilities and Conduct

While using our website and services, you agree to:

• Provide accurate, current, and complete information when submitting forms or creating an account
• Maintain and promptly update your account information
• Keep your account credentials secure and confidential
• Accept responsibility for all activities that occur under your account
• Notify us immediately of any unauthorized use of your account or any other breach of security

You are expressly prohibited from:

• Using the website in any way that could damage, disable, overburden, or impair the site or interfere with any other party's use of the website
• Using any robot, spider, crawler, scraper, or other automated means to access the website or collect content from the website
• Introducing viruses, trojans, worms, logic bombs, or other material which is malicious or technologically harmful
• Attempting to gain unauthorized access to, interfere with, damage, or disrupt any parts of the website, the server on which the website is stored, or any server, computer, or database connected to the website
• Engaging in any data mining, data harvesting, data extracting, or any other similar activity in relation to the website
• Using the website to send, knowingly receive, upload, download, use, or re-use any material which does not comply with our content standards

3. Content Standards

Any content you post, upload, or submit to our website, including comments, reviews, or forum posts, must comply with the following standards:

• Be accurate (where it states facts)
• Be genuinely held (where it states opinions)
• Comply with applicable law in the United States and in any country from which it is posted

Content must not:

• Contain any material which is defamatory, obscene, offensive, hateful, or inflammatory
• Promote sexually explicit material, violence, or discrimination based on race, sex, religion, nationality, disability, sexual orientation, or age
• Infringe any copyright, database right, or trademark of any other person
• Be likely to deceive any person or be made in breach of any legal duty owed to a third party
• Be threatening, abusive, or invade another's privacy, or cause annoyance, inconvenience, or needless anxiety
• Be likely to harass, upset, embarrass, alarm, or annoy any other person
• Impersonate any person or misrepresent your identity or affiliation with any person
• Give the impression that it emanates from us, if this is not the case
• Advocate, promote, or assist any unlawful act

4. Intellectual Property

The website and all of its content, features, and functionality (including but not limited to all information, software, text, displays, images, video, audio, and the design, selection, and arrangement thereof) are owned by Personal Financial Development, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our website, except as follows:

• Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials
• You may store files that are automatically cached by your web browser for display enhancement purposes
• You may print or download one copy of a reasonable number of pages of the website for your own personal, non-commercial use and not for further reproduction, publication, or distribution
• If we provide social media features with certain content, you may take such actions as are enabled by such features

Any use of the website not expressly permitted by these Terms and Conditions is a breach of these Terms and Conditions and may violate copyright, trademark, and other laws.

5. User-Generated Content

The website may contain message boards, chat rooms, personal web pages or profiles, forums, bulletin boards, and other interactive features that allow users to post, submit, publish, display, or transmit content or materials to us or on the website.

By posting content on our website, you grant us a non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content throughout the world in any media. You represent and warrant that:

• You own or control all rights in and to the content you post
• The content is accurate and not misleading
• The content does not violate these Terms and Conditions or any applicable law
• The content will not cause injury to any person or entity

We have the right to:

• Remove or refuse to post any content for any or no reason
• Take any action with respect to any content that we deem necessary or appropriate in our sole discretion
• Disclose your identity or other information about you to any third party who claims that material posted by you violates their rights
• Take appropriate legal action for any illegal or unauthorized use of the website

6. Disclaimer and Limitation of Liability

Financial Information Disclaimer: The content on our website is provided for general information purposes only. It is not intended to amount to financial advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our website.

Although we make reasonable efforts to update the information on our website, we make no representations, warranties, or guarantees, whether express or implied, that the content on our website is accurate, complete, or up to date.

Limitation of Liability: To the fullest extent permitted by law, we exclude all representations and warranties relating to our website and its contents or which is or may be provided by any affiliates or any other third party, including in relation to any inaccuracies or omissions in our website and/or our literature.

We will not be liable to you for any:

• Loss of profits, sales, business, or revenue
• Business interruption
• Loss of anticipated savings
• Loss of business opportunity, goodwill, or reputation
• Any indirect or consequential loss or damage
• Any loss or damage arising from your failure to keep your password or account details secure

We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data, or other proprietary material due to your use of our website or to your downloading of any content on it, or on any website linked to it.

7. Third-Party Links and Resources

Where our website contains links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them. We do not endorse or make any warranties or representations about the other websites, or any information, software, or other products or materials found there, or any results that may be obtained from using them.

If you decide to access any third-party websites linked to our website, you do so entirely at your own risk and subject to the terms and conditions of use for such websites.

8. Termination

We may terminate or suspend your access to all or part of the website, without notice, for any conduct that we, in our sole discretion, believe violates these Terms and Conditions or is harmful to other users, us, or third parties, or for any other reason.

Upon termination, your right to use the website will immediately cease. If you wish to terminate your account, you may simply discontinue using the website, or you may notify us that you wish to delete your account.

All provisions of these Terms and Conditions which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

9. Changes to Terms and Conditions

We may revise and update these Terms and Conditions from time to time in our sole discretion. All changes are effective immediately when we post them and apply to all access to and use of the website thereafter. Your continued use of the website following the posting of revised Terms and Conditions means that you accept and agree to the changes. You are expected to check this page from time to time so you are aware of any changes, as they are binding on you.

10. Governing Law and Jurisdiction

These Terms and Conditions and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of the United States and the State of New York, without giving effect to any choice or conflict of law provision or rule.

Any legal suit, action, or proceeding arising out of or related to these Terms and Conditions or the website shall be instituted exclusively in the federal courts of the United States or the courts of the State of New York. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

11. Contact Information

If you have any questions about these Terms and Conditions, please contact us at: