These Terms of Service (“Terms”, “Terms of Use”, “Terms and Conditions” and or “Agreement”) govern the contractual relationship between MoneyAndCake.com (“@moneyandcake”, “we”, “our” or “us”) and each user or visitor (“you” or “your”) accessing and using (i) https://moneyandcake.com (hereinafter referred to as “Website”), and (ii) the Services (“Services” and or “Products”) defined under Section 4 below. 

PLEASE READ THIS DOCUMENT CAREFULLY BEFORE USING THE WEBSITE.

1. Acceptance of Terms

These rules and guidelines are intended to protect you and to ensure that MoneyAndCake.com is safe and productive for everybody.

By accessing the MoneyAndCake.com Website and by using our Products and Services, you agree to be bound by these Terms and accept to comply with all applicable laws. Your agreement to these Terms means that you are taking responsibility for your own actions. If you do not agree to these Terms, in whole or in part, you are to refrain from accessing the Website and using the Products and Services, as your continued access and use is unauthorized. MoneyAndCake.com reserves the right to terminate your access to this service without notice if we learn that you have violated these Terms of Use.

2. Definitions

MoneyAndCake.com shall mean all areas and any financially related subscription or other financially related paid or complimentary products and services offered or available through the World Wide Web. Community Areas shall mean all bulletin boards, chat rooms, forums and other user participatory areas on the MoneyAndCake.com web site.

3. Modification of These Terms

MoneyAndCake.com reserves the right, in its sole discretion, to modify or replace these Terms. Such changes, modifications, additions, or deletions shall be effective immediately upon posting on the web site. You shall be solely responsible for checking these Terms periodically, to stay abreast of any changes to the Terms. Your continued access to the Website and use of the Services following the posting and notification of any changes to these Terms shall be subject to the newly modified Terms.

4. Services

MoneyAndCake.com provides you with the following services:

1. an online blog including posted articles, Youtube videos, eBOOKs, online courses, quizzes and other content within the personal finance, money management, entrepreneurships, business, and life planning market;
2. subscription to @MoneyAndCake’s newsletter which provides you with access to the latest blog posts and exclusive content within the personal finance, money management, entrepreneurship, business and life planning market;
3. access to affiliated investment brokers and banks;
4. access to third party blogs and videos providing you with personal finance, money management, entrepreneurship, business and life planning -related product promotions; and
5. provision of and access to certain products, which includes but is not limited to digital downloads and envelope or planner design templates, offered for sale to you via MoneyAndCake.com’s online store on Thrivecart and on platforms or online marketplaces such as Google, Amazon, Etzy, Shopify, etc… (collectively the “Services”).

MoneyAndCake.com grants you permission to use the Services (subject to payment if applicable) for your personal use only, in accordance with these Terms. We reserve all rights that we do not expressly grant in these Terms. We may choose to modify any aspect of the Products at any time, including the availability of any feature or content.

When using the Services, you agree that you will not:

(a) use any material or information, including images or photographs, which are made available through the Services in any manner that infringes any copyright, trademark, patent, trade secret, or other proprietary right of any party;

(b) upload files that contain viruses, Trojan horses, worms, time bombs, cancel bots, corrupted files, or any other similar software or programs that may damage the operation of MoneyAndCake.com or a third party’s computer or property;

(c) download any blog/file posted by MoneyAndCake.com that you know, or reasonably should know, cannot be legally reproduced, displayed, performed, sold and/or distributed in such manner;

(d) falsify or delete any copyright management information, such as author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained on the Website and made available to you;

(e) create a false identity for the purpose of misleading MoneyAndCake.com, its affiliates or service providers;

(f) use, download or otherwise copy, or provide (whether or not for a fee) to an individual or entity any directory of users of the Services, any information or User Content (defined below) and/or any portion thereof; and

(g) violate any applicable laws or regulations.

MoneyAndCake.com does not control or endorse the content, messages or information found in any Services and, therefore, MoneyAndCake.com specifically disclaims any liability with regard to the Services and any actions resulting from your participation in any Services.

We intend to fully cooperate with any law enforcement officials and/or agencies in the investigation of any person or persons who violate these Terms or any law.

5. Purchases & Payments

MoneyAndCake.com uses Thrivecart as its store to handle its payments, delivery, refunds and order cancellation for the provision of its Services. You acknowledge that all payments, delivery, refunds and order cancellation MoneyAndCake.com’s store, shall be handled directly through that store. These terms do not apply to purchases or orders of MoneyAndCake.com products made via Third Parties which can be found in Sections 13 and 14 below.

You may purchase licenses or memberships to certain Services through a one-time payment or an on-going subscription as specified on MoneyAndCake.com. When you make a purchase, you agree to let us charge the credit or debit card provided on a one-time or ongoing basis.

We reserve the right to cancel any order for any reason. Reasons a cancellation may occur include (but aren’t limited to):

• A potentially fraudulent order: Our third-party payment processor will check to make sure a payment method is legitimate before finalizing the transaction. If a payment method is found to be fraudulent, we may cancel your order.
• Incorrect pricing: At times, prices for a product may fluctuate. In this case, we reserve the right to revoke your membership from any order and provide a full refund to you for that item.
• Non-payment: If payment is not received within a reasonable amount of time after you place an order, we may cancel an order without further notice.

6. Refund Policy

If you are not 100% satisfied with a Product that you purchased directly from MoneyAndCake.com’s store, we offer a 14-day money-back guarantee, excluding one-time digital downloads, including printables, ebooks and short courses with instructions and videos guides that are based entirely on usage of a digital download. To request a refund, you must email support@moneyandcake.com no later than fourteen (14) days after the date of purchase. When you receive a refund for a Product, you will no longer have the right to use that Product going forward.

7. No Provision of Professional Advice

MoneyAndCake.com exists for educational purposes only.

Financial Advice. MoneyAndCake.com is not an investment advisory service nor an investment advisor, nor does MoneyAndCake.com provide personalized financial advice or act as a financial advisor. Investors should always check with their licensed financial advisor, legal counsel, and/or tax advisor to determine the suitability of any investment or financial plan.

All investors are encouraged to fully investigate any security and consult with their financial professional before making any investment. Examine all advice regardless of its source critically. Depending on your location and its local jurisdiction, you will be able to find the relevant Financial Regulators which maintain websites with details of location or jurisdiction base financial laws, rules and regulations, as well as reports, proxy, and information statements, and other information regarding certain companies that file with the Regulator. In addition, these regulators also provide information on various kinds of finance related cyber-fraud. For the USA, the address of the SEC is https://www.sec.gov/. Similarly, the National Association of Securities Dealers provides their own insights regarding online investing and information at https://www.nasdr.com/. For the UK, the address of the FCA is https://www.fca.org.uk/. For Singapore, it is necessary to follow the rules and regulations of the Monetary Authority of Singapore (the “MAS), found at https://www.mas.gov.sg/. For Australia, information on financial regulations can be found at https://www.cfr.gov.au/. For France and other European Countries, you can find a list of their regulators at https://www.fca.org.uk/firms/regulators-eu-eea. Note that not all locations have been listed here, with the specific locations listed based on where MoneyAndCake.com has or may cover within its financial education content and materials.

You understand and agree that MoneyAndCake.com does not offer or provide tax, legal or investment advice to individuals. Always consult your personal financial advisor and/or legal counsel before acting on any information from any source. All material found on MoneyAndCake.com is for educational and informational purposes only. Sample allocations, portfolios and strategies provided are designed to educate and inform, and should not be viewed as direct recommendations. You understand and agree that any investment decisions you make will be based solely on your evaluation of your financial circumstances, investment objectives, risk tolerance, financial condition and liquidity needs. YOU ARE SOLELY RESPONSIBLE FOR YOUR OWN ACTIONS.

No opinions or recommendations contained herein shall be construed as investment advice. You cannot assume that any recommendations, insights, philosophies, or other information will ensure or lead to profitable investment.

MoneyAndCake.com IS HERE SOLELY TO EDUCATE, AND YOU ARE SOLELY RESPONSIBLE FOR ALL YOUR DECISIONS AND ACTIONS IN RESPONSE TO ANY INFORMATION CONTAINED HEREIN. ALWAYS SEEK COMPETENT LEGAL AND FINANCIAL COUNSEL BEFORE MAKING ANY FINANCIAL DECISION. MoneyAndCake.com IS NOT A REGISTERED FINANCIAL ADVISOR.

Business & Career Advice. While MoneyAndCake.com may employ professionals and practitioners who themselves provide business advisory services and or career services to create, produce and deliver its content and materials on this Website and within its own services, this is solely for the purposes of education only unless otherwise stated. Your interpretations and applications of MoneyAndCake.com’s educational services may be different depending on your personal or specific business situations. As such, MoneyAndCake.com is not a business advisory service nor an business advisor, nor does MoneyAndCake.com provide personalized or customised business advice or act as a business advisor. Similarly, MoneyAndCake.com is not a career advisor or councillor, nor does MoneyAndCake.com provide personalized or customized career advice or coaching.

All business owners, shareholders and business professionals including employees responsible the strategy and operations of the running of their business and their careers in business should always check with the appropriate professional or advisor, and where relevant legal counsel, to determine the suitability their own business plans, strategies and decisions in relation their their own business affairs.

All subject matters. In relation to all content on this Website, and not exclusive to personal finance, money management, entrepreneurship, business and life planning, we want to make clear that the nature of the materials presented on MoneyAndCake.com are for general informational purposes only. No information on any part of the site is intended as personal life, business, employment, investment, tax, accounting or legal advice, as an offer or solicitation of an offer to sell or buy, or as an endorsement, recommendation or sponsorship of any company, security, fund, product or service, unless otherwise stated. The information on the site should not be relied upon for purposes of transacting securities or other investments, nor for making investment and personal decisions in your business, career and life. We cannot and do not assess or guarantee the suitability or profitability of any particular investment, or the potential value of any investment or information source, nor any course of action, business activity and business strategy, nor any lifestyle choice. Your use of this site indicates your agreement that you are able to make your own decisions about financial matters, business matters and life matters and that you bear sole responsibility for your own research and decisions and will not hold MoneyAndCake.com liable for any damages relating to your personal finances, investments, business and personal affairs including your career and lifestyle choices.

8. Acceptable Use of Website

You may not use the Website to transmit, distribute, store or destroy any material or information (i) in violation of any applicable law or regulation; (ii) in a manner that will infringe the copyright, trademark, trade secret or other intellectual property rights of any third party or violate the privacy or other personal rights of third parties; or (iii)  that is defamatory, obscene, threatening, abusive or hateful.

When accessing the Website, you shall be prohibited from:

1. using any robot, spider, site search/retrieval application, or other manual or automatic device or process to retrieve, index, data mine, or in any way reproduce or circumvent the navigational structure or presentation of the site or it’s contents;
2. using any device, software or the like to interfere or attempt to interfere with the proper functioning of the Website;
3. taking any action that imposes an unreasonable or disproportionately large data load on the Website infrastructure;
4. engage in spamming or flooding on the Website including such activities towards other users of the Website;
5. copying, reproducing, altering, modifying, creating derivative works, sublicensing, translating, selling, decompiling, disassembling any portion or publicly displaying any content from the Website without MoneyAndCake.com’s prior written consent;
6. reverse assembling, reverse engineering or otherwise attempting to discover any source code relating to the Website or any tool therein, except to the extent that such activity is expressly permitted by applicable law notwithstanding this limitation;
7. attempting to access any area of the Website to which access is not authorised;
8. express or imply that any statements you make are endorsed by us, without our prior written consent;
9. Harvest or collect information about site visitors or members without their express consent;
10. conducting any systematic or automated data collection activities on or in relation to the Website, including but not limited to data scraping, mining, extraction, harvesting, framing and article spinning, without MoneyAndCake.com’s prior written consent;
11. Transmit any content or information that is unlawful, fraudulent, abusive, libelous, defamatory, obscene, or otherwise objectionable, or infringes on our or any third party’s intellectual property or other rights;
12. transmitting any content or non-public information about companies without the authorization to do so or any trade secret of any third party; and
13. transmitting any content or information or send unsolicited commercial communications and marketing for any purpose, including but not limited to advertisements, solicitations, chain letters, pyramid schemes, investment opportunities without MoneyAndCake.com’s prior written consent.

You alone are responsible for the content and the consequences of your communications. MoneyAndCake.com reserves the right to terminate your site usage privileges immediately and without notice if it becomes aware and determines, in its sole discretion, that you are violating any of the Terms of Service. Again, we intend to fully cooperate with any law enforcement officials and/or agencies in the investigation of any person or persons who violate these Terms of Service or any law.

9. User Content

MoneyAndCake.com allows you to post your comments, feedback, suggestions and otherwise make available certain information, text, graphics or any other material (“User Content”) on the Website. You shall be responsible for the User Content that you post to the Website and Services, including its legality, reliability, and appropriateness. By posting User Content on the Website and Services, you grant MoneyAndCake.com the right and license to use, modify, perform, display, reproduce, and distribute such User Content on and through the Website and/or Services. You retain any and all of your rights to any User Content you submit, post or display on or through the Website and/or Services and you shall be solely responsible for protecting those rights.

You represent and warrant that:

1. the User Content belongs to you (i.e. you own it) or you have the right to use it and grant MoneyAndCake.com the rights and license as granted by you under these Terms, and
2. the posting of your User Content on or through the Website and/or Services does not violate the intellectual property rights, privacy rights, publicity rights, copyrights, contract rights or any other rights of any third party.

MoneyAndCake.com reserves all rights to block or remove User Content that MoneyAndCake.com determines to be: (a) abusive, defamatory, or obscene; (b) fraudulent, deceptive, or misleading; (c) in violation of a copyright, trademark or, other intellectual property right of any third party or; (d) offensive or otherwise unacceptable to us in our sole and exclusive discretion. You acknowledge that, by providing you with the ability to view and distribute user-generated content on the Services, we are merely acting as a passive conduit for such distribution and are not undertaking any obligation or liability relating to any contents or activities in the Services.

10. Access to Website and Services

The Website and Services are primarily intended for audiences residing in the following countries: Australia (AUS), United Kingdom (UK), United States of America (USA), Canada (CAN), Singapore (SGP) and countries within the European Union (EU). Other countries may be added in time to this list. As such, MoneyAndCake.com makes no representation that the Website and Services, including any content, information and/or material, and its respective copyrights, trademarks, patents, and licensing arrangements, are appropriate or available for use by individuals located outside the jurisdiction of the countries listed above.

Your access to the Website from locations outside the listed countries shall be at your own initiative and risk. You shall be solely responsible for compliance with local laws, if and to the extent local laws are applicable.

11. Disclaimer of Representations and Warranties

MONEYANDCAKE.COM AND/OR ITS RESPECTIVE AFFILIATES, LICENSORS, SUPPLIERS, VENDORS AND SERVICE PROVIDERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, ACCURACY, RELIABILITY OR COMPLETENESS OF THE INFORMATION CONTAINED ON THE WEBSITE AND THE SERVICES, AND RELATED GRAPHICS PUBLISHED AS PART OF THE WEBSITE AND THE SERVICES FOR ANY PURPOSE. ALL SUCH SERVICES AND RELATED GRAPHICS ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED. MONEYANDCAKE.COM AND/OR ITS RESPECTIVE AFFILIATES, SUPPLIERS, ADVERTISERS, AND AGENTS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, INCLUDING BUT NOT LIMITED TO ALL WARRANTIES AND CONDITIONS OF MERCHANTABILITY, WHETHER EXPRESS, IMPLIED OR STATUTORY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.

YOU ACKNOWLEDGE THAT THE INFORMATION AND RELATED GRAPHICS PUBLISHED ON THE WEBSITE AND/OR SERVICES COULD INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS AND CHANGES, WHICH ERRORS AND CHANGES MAY BE PERIODICALLY MADE TO THE WEBSITE AND/OR SERVICES HEREIN.

MoneyAndCake.com AND ITS AFFILIATES, SUPPLIERS, AGENTS AND SPONSORS DO NOT WARRANT THAT YOUR USE OF THIS SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE OR THE SERVER(S) ON WHICH THE SITE IS HOSTED ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS THAT CONTAIN CONTAMINATING OR DESTRUCTIVE ELEMENTS OR THAT ARE INTENDED TO DAMAGE, SURREPTITIOUSLY INTERCEPT OR EXPROPRIATE YOUR COMPUTER SYSTEM, DATA OR PERSONAL INFORMATION.. YOU ACKNOWLEDGE THAT YOU ARE RESPONSIBLE FOR OBTAINING AND MAINTAINING ALL TELEPHONE, COMPUTER HARDWARE AND OTHER EQUIPMENT NEEDED TO ACCESS AND USE THE SITE, AND ALL CHARGES RELATED THERETO. YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THE SITE AND YOUR RELIANCE THEREON. NO OPINION, ADVICE, OR STATEMENT OF MoneyAndCake.com OR ITS AFFILIATES, SUPPLIERS, AGENTS, MEMBERS, OR VISITORS, WHETHER MADE ON THE SITE OR OTHERWISE, SHALL CREATE ANY WARRANTY.

MoneyAndCake.com MAKES NO WARRANTY OR REPRESENTATION REGARDING THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF IT’S SERVICES, REGARDING THE ACCURACY, COMPLETENESS, USEFULNESS, CURRENCY OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH MoneyAndCake.com’S SERVICES, REGARDING ANY GOODS OR SERVICES PURCHASED OR OBTAINED THROUGH MoneyAndCake.com’S SERVICES, REGARDING ANY TRANSACTIONS ENTERED INTO THROUGH MoneyAndCake.com’S SERVICES OR THAT MoneyAndCake.com’S SERVICES WILL MEET ANY USER’S REQUIREMENTS, BE UNINTERRUPTED, TIMELY, SECURE OR ERROR FREE.

YOUR USE OF THE SITE AND ANY MATERIALS PROVIDED THROUGH THE SITE ARE ENTIRELY AT YOUR OWN RISK.

12. Social Media Links

MoneyAndCake.com may provide video posts to you via social media platforms which include but is not limited to, YouTube, Linkedin, Facebook, Instagram, Pinterest, TikTok and Twitter (“Social Media Platform(s)”).

Social Media Platforms enable online sharing and collaboration among users who have registered to use the Social Media Platform. You acknowledge that any content you post, such as pictures, information, opinions, videos or any personal Information that you make available to other users on Social Media Platforms, is subject to the respective Social Media Platforms’ terms of use and privacy policy. As such, it is recommended that you please refer to those Social Media Platforms to better understand your rights and obligations with regard to such content.

13. Third Party Links

The Services may contain links and/or ads to third-party websites or resources located worldwide throughout the worldwide web. We neither control nor endorse such other web sites, nor have we reviewed or approved any content or communications that appears on such other web sites. We make no guarantees as to their accuracy, currency, content or quality.

You acknowledge and agree that we shall not be responsible or liable for the availability, legality, accuracy or inappropriate nature of (i) any content, advertising, products, services or information located on or through such websites or resources; or (ii) the content, products or services on or available from such websites or resources. Links and ads to such websites or resources do not imply any endorsement by MoneyAndCake.com of such websites or resources or the content, products, or services available from such websites or resources.

Your communication, interaction or business transaction with any third party advertiser or promoter found on or through the Website and/or Services, including any third party terms, conditions, warranties or representations associated with such communication, interaction or business transaction, are solely between you and such advertiser or promoter. You acknowledge and agree that MoneyAndCake.com shall not be liable for any loss or damage incurred by you or alleges to have been caused as the result of any use of or reliance, including communication, interaction, business transaction or other dealings you may have with any third party advertiser or promoter found on or through the Website and/or Services without limitation.

14. Third Party Products and/or Services

MoneyAndCake.com may include icons, buttons, or text in its site or through its newsletters and various promotions which, when activated, will allow you to access and learn more about other services and products throughout the worldwide web. When you access any of these services, your rights and obligations will be governed by the agreements and policies relating to the use of these services.

All matters concerning orders between you and any third party vendor, including but not limited to purchase terms, payment terms, warranties, guarantees, maintenance and delivery, are solely between you and the third party vendor. MoneyAndCake.com does not endorse, warrant, or guarantee any product or service offered through this web site or any related communications such as email or newsletter and will not be a party to or monitor any transaction between you and third party providers of products or services.

You should always exercise appropriate caution and perform due diligence when transacting with any vendor, as you alone are responsible for your decision to transact with any third party vendor of services or products. You will not consider MoneyAndCake.com, nor will MoneyAndCake.com be construed as a party to such transactions, whether or not MoneyAndCake.com may have received some form of revenue or other remuneration in connection with the transaction. MoneyAndCake.com will not liable for any costs or damages arising out of, either directly or indirectly, you or any other person involved or related to any transaction with a third party vendor.

MoneyAndCake.com also uses a smart email service provider, Brevo, to help us serve you better. To that end, Brevo tracks which pages you view on MoneyAndCake.com so that content relevant to your interests displays more often. This is done through a tracking code. For more information on the type of data we collect from you, you can visit our Privacy Policy.

15. Privacy Policy

MoneyAndCake.com’s Privacy Policy, governs the use, storage and processing of the personal information you may provide to us through your access of the Website and/or through your use of the Services. Your election to use the Services via the Website shall be deemed as your acceptance of the terms of our Privacy Policy.

16. Intellectual Property, Trademark & Copyright

The content available through MoneyAndCake.com is the property of MoneyAndCake.com and is protected by copyright and other intellectual property laws.

All content, trademarks, data, information or information contained in any materials, or documents used in relation to the Website and the Services, including but not limited to any and all copyrighted works, text, graphics, images, designs, animations, computer programs/software, data and databases, designs, logos, hyperlinks, domains names, button icons, stories, case studies, templates, canvases, tools, calculators, quizzes, questionnaires, forms, surveys, information, agreements, and the arrangement, collection and assembly of the same (“Materials”), are the exclusive property of or are licensed to MoneyAndCake.com. You may not reproduce, distribute or copy the Materials by any means, whether electronically or not, without MoneyAndCake.com’s prior written permission.

Any and all intellectual property rights in the Materials and the Services, including all patents, rights in inventions, rights in designs, trademarks, trade and business names and all associated goodwill, rights to sue for passing off or for unlawful competition, copyright, moral rights and related rights, rights in databases, topography rights, domain names, rights in information (including know how and trade secrets) and all other similar or equivalent rights existing in the Materials and the Services, now or in the future in any part of the world, in each case whether registered or unregistered and including all applications for, and renewals or extensions of, such rights for their full term (“Intellectual Property”), vests in MoneyAndCake.com, its licensors, suppliers, vendors,  or service providers, as the case may be. All rights not expressly granted by MoneyAndCake.com to you are reserved by MoneyAndCake.com. Save as expressly set out herein, you shall not acquire any right, title or interest in MoneyAndCake.com’s Intellectual Property.

You acknowledge that MoneyAndCake.com permits access to content that is protected by copyrights, trademarks, service marks, and other intellectual property rights and that these rights are valid and protected in all media and technologies existing now or later developed. Except as explicitly provided elsewhere in this agreement, the Terms of Service and applicable copyright, trademark and other laws govern your use of this content.

Content received through MoneyAndCake.com may be displayed, reformatted, and printed for your personal, non-commercial use only. You agree not to reproduce, retransmit, distribute, disseminate, sell, publish, broadcast, or circulate the content received through MoneyAndCake.com to anyone, including but not limited to others in the same organization or company, without the express prior written consent of MoneyAndCake.com with this one exception: You may, on an occasional and irregular basis, disseminate an insubstantial portion of the content from MoneyAndCake.com, for a noncommercial purpose, without charge, and transmitted in non-electronic form, to a limited number of individuals, provided you include all copyright and other proprietary rights notices with such portion of the content in the same form in which the notices appear in MoneyAndCake.com and original source attribution link to or the exact URL of the source page.

You may not post to MoneyAndCake.com, copy, reproduce, retransmit, distribute, publish, commercially exploit or otherwise transfer any material subject to any rights owned by persons or entities other than yourself. The burden of determining that any information, software, images or any other content on MoneyAndCake.com is not protected by rights rests with you. You acknowledge that MoneyAndCake.com may acquire the rights to use any posted materials as described in “Submissions and Postings”, and that you will not acquire any of those rights by downloading such materials.

You may not post any content from MoneyAndCake.com to newsgroups, mail lists, blogs, or electronic bulletin boards, without the prior written consent of MoneyAndCake.com. MoneyAndCake.com includes facts, views, opinions and recommendations about subjects, individuals and organizations deemed of interest. MoneyAndCake.com does not guarantee the accuracy, completeness or timeliness of these views, opinions or recommendations, give tax or investment advice, or advocate the purchase or sale of any security or investment.

17. Submissions and Postings

Because MoneyAndCake.com may host message boards, comments, forums, and receive electronic communications on the site and therefore redistribute material that is submitted or posted by you, we must obtain certain rights over those materials. By sending or transmitting to us creative suggestions, ideas, notes, concepts, information, or other materials (collectively, “Materials”), or by posting such Materials to any area of the site, you grant us and our designees a worldwide, non-exclusive, sub-licensable, assignable, royalty free, perpetual, irrevocable right to use, reproduce, distribute, create derivative works of, publicly perform, publicly display, digitally perform, make, have made, sell, offer for sale and import such Materials in any media now known or hereafter developed, for any purpose whatsoever, commercial or otherwise, without compensation to the provider of the Materials. None of the Materials disclosed in message boards, comments, or other forums shall be subject to any obligation, whether of confidentiality, attribution, or otherwise, on our part and we shall not be liable for any use or disclosure of any Materials.

You also warrant that the holder of any Rights in such content has completely and effectively waived all such rights and validly and irrevocably granted to you the right to grant the license stated above. You acknowledge that transmissions to, from and/or through this site are not confidential, and your communications may be read, changed, or interrupted by others. You acknowledge that by using or accessing this site no confidential, fiduciary, contractually implied or other relationship is created between you and MoneyAndCake.com.

18. MoneyAndCake.com Staff, Community Leaders, and Participants

Anyone can contribute to the communications in the message boards, comments, chat, groups and instant messaging including but not limited to anonymous persons, employees, contractors, or volunteers working on behalf of MoneyAndCake.com. These communications may be about investing, financial planning, and stocks or any related topic. Everyone is free to contribute as they see fit subject to the rules contained within this Agreement as well as the rules as signed and agreed by you prior to joining the specific community and group and its own rules. MoneyAndCake.com does not regulate what anyone says. Any person regardless of their origin could post messages or make statements that are inaccurate, deceptive, misleading or outright false. Their opinions are entirely their own, and may differ substantially from the opinions of MoneyAndCake.com management.

You should not rely upon the information or opinions you read here or anywhere else. Rather, you should use this information as a starting point for doing your own independent research. Always independently judge for yourself the merits of material that is found on this web site regardless of its source. You should not assume that anyone posting information on this site has any special expertise or insight merely because they are employed by, contract for, or volunteer for, MoneyAndCake.com.

MoneyAndCake.com does not guarantee the veracity, reliability, or completeness of any information provided anywhere on this site, email promotions, newsletter, or in any hyperlink appearing on our site and we will not be responsible for any loss or damage caused by a user’s reliance on information contained therein. You are responsible for your own investment and financial decisions.

19. Limitation of Liability

MoneyAndCake.com WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND, INCLUDING WITHOUT LIMITATION DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, COMPENSATORY, EXEMPLARY, RELIANCE OR PUNITIVE DAMAGES, REGARDLESS OF THE FORM OF ACTION OR THE BASIS OF THE CLAIM, RESULTING FROM THE USE OF OR ACCESS TO MoneyAndCake.com’S SERVICES, THE USE OF OR THE INABILITY TO USE MoneyAndCake.com’S SERVICES, RESULTING FROM ANY GOODS OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH MoneyAndCake.com’S SERVICES, RESULTING FROM LOSS OF, UNAUTHORIZED ACCESS TO OR ALTERATION OF A USER’S TRANSMISSIONS OR DATA OR FOR THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, USE, BUSINESS, PROFITS, DATA OR OTHER INTANGIBLES, EVEN IF MoneyAndCake.com HAD BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE SITE AND/OR CONTENT CONTAINED WITHIN THE SITE IS TO STOP USING THE SITE. THE SOLE AND EXCLUSIVE MAXIMUM LIABILITY TO MoneyAndCake.com FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT (INCLUDING, WITHOUT LIMITATION, NEGLIGENCE), OR OTHERWISE) SHALL BE THE TOTAL AMOUNT PAID BY YOU, IF ANY, TO ACCESS THE SITE.

20. Indemnification

You agree to indemnify, defend and hold harmless MoneyAndCake.com, its affiliates, officers, directors, employees, licensors, suppliers, vendors, consultants and agents from any and all third party claims, suits, proceeding, liabilities, damages and/or expenses and costs (including, but not limited to, attorneys fees in whole or in part), or otherwise arising from your use of this Website and our services, your violation or breach of the Terms of Service or your infringement, or infringement by any other user, of your account, of any intellectual property or other right of any person or entity. The Terms of Service will inure to the benefit of MoneyAndCake.com’s successors, assigns and licensees.

21. Applicable Law

The terms and conditions appearing on this page and elsewhere on this site will be governed by and construed in accordance with the laws of the United Kingdom, without giving effect to its conflict of laws provisions or your actual state or country of residence. Sole and exclusive jurisdiction for any action or proceeding arising out of or related to these Terms of Use or otherwise related to MoneyAndCake.com’s services or your use thereof shall be an appropriate court located in the United Kingdom, and your use of and access to this site acts as an express consent to the jurisdiction of such appropriate court and you waive any jurisdictional, venue, or inconvenient forum objections to such courts. Use of and access to this site is unauthorized in any jurisdiction that does not give full effect to this paragraph is prohibited.

22. Age Restriction

You must be at least eighteen (18) years of age to access the Website and use the Services. By accessing and using this Website and by agreeing to these Terms, you warrant and represent that you are at least eighteen (18) years of age.

23. Severability

If a court holds that any provision of these Terms is invalid or unenforceable under applicable law, the court will modify the provision to the minimum extent necessary to make it valid and enforceable or, if it cannot be made valid and enforceable, the court will sever and delete the provision from these Terms. The change will affect neither the validity of the amended provision nor the validity of any other provision of these Terms, which will continue in full force and effect.

24. Force Majeure

A force majeure event means any event beyond a party’s reasonable control that, by its nature, could not have been foreseen or, if it could have been foreseen, was unavoidable, including strikes, lock-outs or other industrial disputes (whether involving its own workforce or a third party’s), acts of God, epidemics and pandemic, war, riot, embargoes, acts of civil or military authorities, acts of terrorism or sabotage, shortage of supply or delay in delivery by our vendors, fire, flood, earthquake, accident, radiation, inability to secure transportation, failure of communications or energy sources, malicious damage, breakdown of plant or machinery, or default of suppliers or sub-contractors.

Neither party is liable for delays or failures to perform any of its obligations under these Terms to the extent caused by a force majeure event.

25. No Waiver

A Party’s failure or delay in enforcing any provision of these Terms will not operate as a waiver of the right to enforce that provision or any other provision of these Terms at any time. A waiver of any provision of these Terms shall be in writing, specify the provision to be waived and signed/executed by the party agreeing to the waiver.

26. Notices

Except as otherwise provided under these Terms, any notice required or permitted to be given will be effective only if it is in writing and sent by certified mail, registered mail, or courier.

27. Entire Agreement

These Terms constitute the entire agreement between yourself and MoneyAndCake.com with respect to the subject matter hereof, and supersede all previous written or oral agreements between yourself and MoneyAndCake.com with respect to such subject matter.

If you have any questions regarding these Terms of Service, please contact support@moneyandcake.com.

For more legal information as it pertains to the use of this website, please see our privacy policy, cookie policy, copyright and reprint policy, and DMCA notice.