Policy

TERMS OF USE & PRIVACY POLICY

PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING MoneyManagement101.ORG:
 
Thank you for visiting MoneyManagement101.com, a Global Fundamentals LLC site.  Global Fundamentals LLC requires that all the visitors to www.MoneyManagement101.org (the “Site”) adhere to the following rules and regulations. By accessing the Site you indicate your acknowledgement and acceptance of these terms and conditions.
 
Global Fundamentals LLC maintains this Site to provide you with general financial and business information. The Site does not offer individual investment advice.  This Site is published with the understanding that Global Fundamentals LLC is not engaged in rendering legal, tax, or investment services or advice. Since each individual’s situation is unique, please contact a qualified legal or financial professional before making any financial decisions or investments.
 
Site Content & Copyright
Copyright in the images, text, screens, and Web pages appearing at the Site is owned by Global Fundamentals LLC or others as indicated.  The entire contents of the Site are copyrighted as a collective work under the United States copyright law. You the user may not modify, publish, transmit, participate in the transfer or sale, create derivative works, or in any way exploit, any of the content, in whole or in part. You may copy information from the Site for your personal or educational use only, provided that each copy includes any copyright, trademark or service mark notice or attribution as they appear, on the pages copies. The information and materials may not otherwise be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, transmitted, used to create a derivative work or otherwise used for public or commercial purposes, except as provided in these terms and conditions without the express written permission of Global Fundamentals LLC.
 
Use of Site 
The information the Site is provided on an “as is” basis.  Global Fundamentals LLC makes no guarantees as to the accuracy, thoroughness or quality of the information, and is not responsible for errors or omissions. The information provided on this Site is neither comprehensive nor appropriate for every individual. Some of the information is relevant only in the U.S. and may differ elsewhere. Some of the site content might not be appropriate for some individuals. You are strongly cautioned to verify any information before using it for any personal, financial or business purpose. This site is provided on the express condition, to which all making use thereof assent, that no liability shall be incurred by Global Fundamentals LLC or any of its employees.
 
You also understand that Global Fundamentals LLC cannot and does not guarantee or warrant that files available for downloading through the site will be free of infection or viruses or other code that manifest contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for accuracy of data input and output, and for maintaining a means external to the site for the reconstruction of any lost data.
 
Disclaimer of Warranty; Limitation of Liability
BY USING THE SITE YOU EXPRESSLY AGREE THAT USE IS AT YOUR SOLE RISK. NEITHER GLOBAL FUNDAMENTALS LLC, ITS AFFILIATES NOR ANY OF THEIR RESPECTIVE EMPLOYEES, AGENTS, THIRD PARTY CONTENT PROVIDERS OR LICENSORS WARRANT THAT THE SITE WILL BE UNINTERRUPTED OR ERROR FREE; NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM USE OF THE SITE, OR AS TO THE ACCURACY, RELIABILITY OR CONTENT OF ANY INFORMATION, SERVICE, OR MERCHANDISE PROVIDED THROUGH THE SITE.
 
THE SITE 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 IMPLIED BY AND INCAPABLE OF EXCLUSION, RESTRICTION OR MODIFICATION UNDER THE LAWS APPLICABLE TO THIS AGREEMENT.
 
THIS DISCLAIMER OF LIABILITY APPLIES TO ANY DAMAGES OR INJURY CAUSED BY ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF RECORD, WHETHER FOR BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, OR UNDER ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT GLOBAL FUNDAMENTALS LLC IS NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD-PARTIES AND THAT THE RISK OF INJURY FROM THE FOREGOING RESTS ENTIRELY WITH YOU.
 
IN NO EVENT WILL GLOBAL FUNDAMENTALS LLC, OR ANY PERSON OR ENTITY INVOLVED IN CREATING, PRODUCING OR DISTRIBUTING THE SITE, BE LIABLE FOR ANY DAMAGES, INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES ARISING OUT OF THE USE OF OR INABILITY TO USE THE SITE. YOU HEREBY ACKNOWLEDGE THAT THE PROVISIONS OF THIS SECTION SHALL APPLY TO ALL CONTENT ON THE SITE.
 
IN ADDITION TO THE TERMS SET FORTH ABOVE NEITHER, GLOBAL FUNDAMENTALS LLC, NOR ITS AFFILIATES, INFORMATION PROVIDERS OR CONTENT PARTNERS SHALL BE LIABLE REGARDLESS OF THE CAUSE OR DURATION, FOR ANY ERRORS, INACCURACIES, OMISSIONS, OR OTHER DEFECTS IN, OR UNTIMELINESS OR UNAUTHENTICITY OF, THE INFORMATION CONTAINED WITHIN THE SITE, OR FOR ANY DELAY OR INTERRUPTION IN THE TRANSMISSION THEREOF TO THE USER, OR FOR ANY CLAIMS OR LOSSES ARISING THEREFROM OR OCCASIONED THEREBY. NONE OF THE FOREGOING PARTIES SHALL BE LIABLE FOR ANY THIRD-PARTY CLAIMS OR LOSSES OF ANY NATURE, INCLUDING, BUT NOT LIMITED TO, LOST PROFITS, PUNITIVE OR CONSEQUENTIAL DAMAGES. PRIOR TO THE EXECUTION OF ANY FINANCIAL TRANSACTION, YOU ARE ADVISED TO CONSULT WITH YOUR ACCOUNTANT, ATTORNEY, STOCK BROKER OR OTHER FINANCIAL ADVISOR.  GLOBAL FUNDAMENTALS LLC, ITS AFFILIATES, INFORMATION PROVIDERS OR CONTENT PARTNERS SHALL HAVE NO LIABILITY FOR INVESTMENT DECISIONS BASED ON THE INFORMATION PROVIDED. NEITHER, GLOBAL FUNDAMENTALS LLC, NOR ITS AFFILIATES, INFORMATION PROVIDERS OR CONTENT PARTNERS WARRANT OR GUARANTEE THE TIMELINESS, SEQUENCE, ACCURACY OR COMPLETENESS OF THIS INFORMATION. ADDITIONALLY, THERE ARE NO WARRANTIES AS TO THE RESULTS OBTAINED FROM THE USE OF THE INFORMATION.
 
 
General
Global Fundamentals LLC shall have the right at any time to change or discontinue any aspect or feature of the Site, including, but not limited to, content, hours of availability, and equipment needed for access or use.
 
Global Fundamentals LLC shall have the right at any time to change or modify the terms and conditions applicable to use of the Site or any part thereof, or to impose new conditions, including, but not limited to, adding fees and charges for use. Such changes, modifications, additions or deletions shall be effective immediately upon notice thereof, which may be given by means including, but not limited to, posting on the Site.  Any use of the Site by you after such notice shall be deemed to constitute acceptance by you of such changes, modifications or additions.
 
This Agreement and any operating rules for the Site established by Global Fundamentals LLC constitute the entire agreement of the parties with respect to the subject matter hereof, and supersede all previous written or oral agreements between the parties with respect to such subject matter. This Agreement shall be construed in accordance with the laws of the State of Arizona, without regard to its conflict of laws rules. No waiver by either party of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default. The section headings used herein are for convenience only and shall not be given any legal import.
 
Your Consent to this Agreement
By using the Site, you consent to the Agreement as specified above.
 

Email:email: moneymanagement101 @ gmail.com

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MoneyManagement101.org
Privacy Policy
 
 
Thank you for visiting MoneyManagement101.org, a Global Fundamentals LLC site.  Your privacy is important to us. To better protect your privacy, we provide this notice explaining our online information practices and the choices you can make about the way your information is collected and used at MoneyManagement101.org (the Site).   In addition, please see our Terms of Use for more information on our Site usage policies.
 
Any personally identifying information you provide is voluntary and may be used in accordance to the policy below.
 
If you visit the Site to browse, read, or download information:
 
 
 
We automatically collect and store: the name of the domain and host from which you access the Internet; the Internet protocol (IP) address of the computer you are using; the browser software you use and your operating system; the date and time you access our Site; and the Internet address of the site from which you linked directly to our Site.  We use this information only as anonymous aggregate data to determine the number of visitors to different sections of our Site, to ensure the Site is working properly, and to help us make our Site more useful. We do not use it to track or record information about individuals.
 
To enhance your experience many of our web pages use “cookies.” Cookies are text files we place in your computer’s browser to store your preferences. Cookies, by themselves, do not tell us your e-mail address or other personally identifiable information unless you choose to provide this information to us by, for example, registering for our newsletter.  However, once you choose to furnish the Site with personally identifiable information, this information may be linked to the data stored in the cookie.
 
We use cookies to understand Site usage and to improve our content and offerings. For example, we may use cookies to personalize your experience at our web pages (e.g. to recognize you by name when you return to our Site), save your password in password-protected areas, and enable you to use shopping carts on our Site.  We also may use cookies to offer you products, programs, or services.
 
We may also use small pieces of code called “web beacons” or “clear gifs” to collect anonymous and aggregate advertising metrics, such as counting page views, promotion views, or advertising responses. These “web beacons” may be used to deliver cookies that conform to our cookie policy
 

 
If you choose to identify yourself online we collect the following information:
 
We collect personal information when you order products, subscribe to one of our services such as our online newsletters, or participate in one of our online forums or communities. The types of personally identifiable information that may be collected at these pages include: name, address, e-mail address, telephone number, fax number, credit card information, and information about your interests in and use of various products, programs, and services.  In accordance with the Children’s Online Privacy Protection Act (COPPA), when a visitor indicates that he or she is under 13 years of age, no personally identifying information is collected.
 
How we use and disclose information:
We may use the information you provide about yourself to fulfill your requests for our products, programs, and services, to respond to your inquiries about offerings, and to offer you other products, programs or services that we believe may be of interest to you.
 
We sometimes use this information to communicate with you, such as to notify you when we make changes to subscriber agreements, to fulfill a request by you for an online newsletter, or to contact you about your account with us.
 
We sometimes use the non-personally identifiable information that we collect to improve the design and content of our Site and to enable us to personalize your Internet experience. We also may use this information in the aggregate to analyze Site usage, as well as to offer you products, programs, or services.
 
We will disclose information we maintain when required to do so by law, for example, in response to a court order or a subpoena. We also may disclose such information in response to a law enforcement agency’s request.
 
Although we take appropriate measures to safeguard against unauthorized disclosures of information, we cannot assure you that personally identifiable information that we collect will never be disclosed in a manner that is inconsistent with this Privacy Notice. Inadvertent disclosures may result, for example, when third parties misrepresent their identities in asking the Site for access to personally identifiable information about themselves for purposes of correcting possible factual errors in the data. 
 
 
California Privacy Policy:
As disclosed above, we collect various types on information about you. Under California law, if you are a resident of California, you may make a written request to a Global Fundamentals LLC about how we have shared your personal information during the prior calendar year with third parties for their direct marketing purposes. In response to your written request, a Global Fundamentals LLC is allowed to, instead, provide you with a cost-free means to opt-out of such sharing.  For purposes of this California Privacy notice, third parties include companies within our “family” of companies such as those companies we own, that own us, or which we are under common control with.
Global Fundamentals LLC has chosen to provide you with a cost-free means to opt-out of such sharing. If you would like to exercise your rights under California law, please send your written request to the email address below. Within 30 days of receiving your request, Global Fundamentals LLC will provide you a Customer Choice Notice.
 
 
email:
 moneymanagement101 @ gmail.com
 
Special Note for Parents.
If you have concerns about this Site or its services, wish to find out if your child is a member or has registered for one our services, or wish to cancel your child’s membership, please contact us at the email address below.  Our Site will not knowingly accept personal information from anyone under 13 years old in violation of applicable laws. If you believe that your child under 13 has gained access to our Site without your permission, you may contact us at the email address listed below. We have taken commercially reasonable steps to restrict use of this Site to those who are at least 13 years old. We do not sell products for purchase by children and all children’s products we sell are for purchase by adults only, or with adult permission.
 
Changes to this Policy.
Because our business needs may change over time, we reserve the right, at our discretion, to change, modify, add, or remove portions from this policy at any time. If at any time in the future we plan to use your personally identifiable information in a way that differs from this policy, we will revise this policy as appropriate. Your continued use of MoneyManagement101.com following the posting of any changes to this policy means you accept such changes. This policy is effective as of December 27, 2005.
 
Here’s how to contact us:
If you have any questions or concerns about Global Fundamentals LLC’s online policy for this Site or its implementation please contact us via email at the below:
 
Email: moneymanagement101 @ gmail.com