Terms of Use

1. Acceptance of the Terms
The service provided by MsMoney.com, Inc. at MsMoney.com (the “Site”) is available to you, subject to your agreement to all the terms and conditions listed below. We ask that you read this section carefully as it is a legally binding agreement. MsMoney.com reserves the right to change or amend these Terms of Use at any time without prior notice. By submitting any content via the MsMoney.com website or via MsMoney.com email, including without limitation, articles, links to websites, or other content, you signify your agreement to these Terms of Use. This Agreement may be updated and revised from time to time without advance notice to you. Your continued use of this Site following the posted updates or revisions constitutes acceptance of the updates. MsMoney.com may also offer services to you through our partnerships whose Terms of Use are governed by the partnering site.

2. Description of Service
MsMoney.com provides users with a varied collection of resources and educational materials in the field of personal finance and career development including, but not limited to, financial information, personalized financial tools, career education, life skills content, and access to selected partnerships.

The mission of MsMoney.com Inc. is to educate and empower people to take control of their personal finances. By doing so, we believe people will be able to live better lives, excel more in their careers, and pursue their dreams more fervently. We have created an award-winning Web site that helps achieve this goal.

MsMoney.com teaches people the fundamentals of financial health, wealth building, career expansion and life skills that relate to money issues. Today, individuals are looking for a safe and reliable source for high quality, comprehensive financial information that meet their unique needs. MsMoney provides this with our seamless delivery of integrated expert financial content, interactive tools and services that provide visitors – whether they are men, women, children or families – with a personalized method for securing their financial futures.

MsMoney has built a strong foundation of evergreen introductory content, which is well-suited to those learning to take charge of their finances and ready to start financial planning. Though MsMoney offers this content for a general audience, we pay particular attention to women, family and children’s needs.

3. Intellectual Property
Copyright in the Site and in the information and content therein and in their arrangement is owned by MsMoney.com unless otherwise indicated.

All proprietary rights in the Site and services provided by MsMoney.com (the “Services”) and any necessary software used in connection with the Site or Services are owned or licensed for use by MsMoney.com. This Site is owned and operated by MsMoney.com and except as otherwise specified, MsMoney.com owns all materials appearing on this Web site, including the text, site design, logos, graphics, and images, as well as the selection, assembly, and arrangement thereof. You acknowledge and agree that the Services and software contain proprietary and confidential information that is protected by applicable intellectual property and other laws. You further acknowledge and agree that content contained in sponsor advertisements or information presented to you through the Services or advertisers is protected by copyrights, trademarks, service marks, patents, or other proprietary rights and laws. Except as expressly authorized by MsMoney.com or advertisers, you agree not to copy, modify, rent, lease, loan, sell, distribute, display, perform, or create derivative works based on the Services or the software, in whole or in part.

MsMoney, MsMoney.com, the MsMoney.com logo, and other MsMoney.com marks and logos are trademarks and service marks of MsMoney.com, Inc. (the “MsMoney.com Marks”). Any use of any of the MsMoney.com Marks, without the prior, express, written consent of MsMoney.com is prohibited. You acknowledge MsMoney.com’s exclusive rights to use the MsMoney.com Marks and agree not to display or use the MsMoney.com Marks in any manner.

4. Disclaimer
The Site and Services are provided to you for informational purposes only and are not offered for the purpose of individual financial or investment advice. MsMoney.com is not responsible or liable for the accuracy, reliability, completeness, or usefulness of any financial or other information, data, materials, or content displayed on the Site or transmitted by or submitted to the Site or Services. MsMoney.com is not a registered broker or investment advisor. Nothing contained in the Site is intended as or shall be construed as investment advice. You acknowledge that you are responsible for your own financial and investment decisions, and MsMoney.com shall not be responsible or liable for any financial or investment decisions made based on information offered on the Site or Services.

Please be aware that no data transmitted over the Internet is guaranteed to be 100% secure. Thus, MsMoney.com cannot ensure or warrant the security of any information you transmit to us or that is transmitted to you from our products, services, or partners. Sometimes the information you disclose can be collected and used by others. If you post personal information that is accessible to the public, you may receive unsolicited messages from other parties in return.

Use of the Site is at your sole risk. The Site and all MsMoney.com services, content, information, data, tools, materials, and referrals to partners and their site data are provided on an “AS IS” basis without warranties of any kind, either express, implied, constructive, or statutory, including, without limitation, any implied warranties of merchantability, non infringement or fitness for a particular purpose. Some jurisdictions do not allow the exclusion of implied warranties, so this exclusion may not apply to you in full.

MsMoney.com makes no guarantee of availability of service and reserves the right to change, withdraw, suspend, or discontinue any functionality or feature of the MsMoney.com Site or Services. In no event will MsMoney.com be liable for any damages, including, without limitation, direct, indirect, incidental, special, consequential, or punitive damages arising out of or in connection with the Site or Services including but not limited to the use or inability to use MsMoney.com’s Site or Services, MsMoney.com’s removal, deletion, or alteration of any materials, Data, information, records, or other content submitted or posted on the Site.

With respect to links with other sites, MsMoney.com is not responsible for the content of any other site linked to or from our Site. If you link to another site outside the MsMoney.com Site, you leave our Site. If you decide to link to another site, you do so entirety at your own risk. MsMoney.com may provide links from our Site to other sites, but this is done solely as a convenience to you and in no way should be interpreted as an endorsement of any content, sponsor, or owner of any other site. MsMoney.com makes no warranty, express or implied, as to any such linked site including but not limited to any warranties of the accuracy, ownership, validity, or legality of any content of a linked site.

This disclaimer applies, without limitation, to any damages or injury, whether of breach of contract, tort, or otherwise, caused; any failure of performance; error; omission; interruption; deletion; defect; delay in operation or transmission; computer virus; file corruption; communication-line failure; network or system outage; or theft, destruction, unauthorized access to, alteration of, or use of any Data.

5. Waiver
MsMoney.com shall have no liability whatsoever for any damage to or loss or destruction of any software, files, or data resulting from any virus or other harmful feature. Software or content downloaded from the Site could contain a virus or other harmful features and it is the MsMoney.com user’s responsibility to take appropriate precautions to protect her computer from damage to its software, files, or data as a result of any such virus or other harmful feature.

6. Indemnification
Upon MsMoney.com’s request, you agree to defend, indemnify, and hold harmless MsMoney.com and its affiliates, representatives, officers, directors, and employees from all liabilities, claims, costs and expenses, including attorney fees, that arise out of or in connection with your use of the Site, including your posting, downloading or transmission of all communications or material on this Site.

7. Jurisdiction
You understand and agree that, except for the right of either party to apply to a court of competent jurisdiction for a temporary restraining order or preliminary injunction to preserve the status quo or prevent irreparable harm pending the selection and confirmation of an arbitrator, any dispute arising under or relating to these Terms of Use shall be resolved through mediation and arbitration. You agree to first try to resolve the dispute informally with the help of a mutually agreed upon mediator. If the parties cannot agree on a mediator or fail to arrive at a mutually satisfactory solution through mediation within 10 days following the commencement of such mediation, the parties agree to submit their dispute to binding arbitration of a single arbitrator in San Francisco, CA according to the rules of the American Arbitration Association.