Terms And Condition

TERMS AND CONDITIONS

MoneyMade and its members, officers, directors, owners, employees, agents, representatives, suppliers and service providers (collectively “MoneyMade”) provides this website (the “Site”) for informational purposes only. Use of and access to the Site and the information, materials, services, and other content available on or through the Site (“Content”) are subject to these terms of use and all applicable laws.


NO INVESTMENT ADVICE

The Content is for informational purposes only, you should not construe any such information or other material as legal, tax, investment, financial, or other advice. Nothing contained on our Site constitutes a solicitation, recommendation, endorsement, or offer by MoneyMade or any third party service provider to buy or sell any securities or other financial instruments in this or in in any other jurisdiction in which such solicitation or offer would be unlawful under the securities laws of such jurisdiction. All Content on this site is information of a general nature and does not address the circumstances of any particular individual or entity. Nothing in the Site constitutes professional and/or financial advice, nor does any information on the Site constitute a comprehensive or complete statement of the matters discussed or the law relating thereto. MoneyMade is not a fiduciary by virtue of any person’s use of or access to the Site or Content. You alone assume the sole responsibility of evaluating the merits and risks associated with the use of any information or other Content on the Site before making any decisions based on such information or other Content. In exchange for using the Site, you agree not to hold MoneyMade, its affiliates or any third party service provider liable for any possible claim for damages arising from any decision you make based on information or other Content made available to you through the Site.


INVESTMENT RISKS

There are risks associated with investing in securities. Investing in stocks, bonds, exchange traded funds, mutual funds, money market funds and assets of any kind involve risk of loss. Loss of principal is possible. Some high risk investments may use leverage, which will accentuate gains & losses. Foreign investing involves special risks, including a greater volatility and political, economic and currency risks and differences in accounting methods. A security’s or a firm’s past investment performance is not a guarantee or predictor of future investment performance.


THIRD PARTY LINKED SITES

As a convenience to you, MoneyMade may provide hyperlinks to web sites operated by third parties. When you select these hyperlinks you will be leaving the MoneyMade site. Because MoneyMade has no control over such sites or their content, MoneyMade is not responsible for the availability of such external sites or their content, and MoneyMade does not adopt, endorse or nor is responsible or liable for any such sites or content, including advertising, products or other materials, on or available through such sites or resources. Other web sites may provide links to the Site or Content with or without our authorization. MoneyMade does not endorse such sites and shall not be responsible or liable for any links from those sites to the Site or Content, or for any content, advertising, products or other materials available on or through such other sites, or any loss or damages incurred in connection therewith. MoneyMade may, in its sole discretion, block links to the Site and Content without prior notice. YOUR USE OF THIRD PARTY WEB SITES AND CONTENT, INCLUDING WITHOUT LIMITATION, YOUR USE OF ANY INFORMATION, DATA, ADVERTISING, PRODUCTS, OR OTHER MATERIALS ON OR AVAILABLE THROUGH SUCH WEB SITES, IS AT YOUR OWN RISK AND IS SUBJECT TO THEIR TERMS OF USE.


SITE AND CONTENT NOT WARRANTED

THE SITE AND CONTENT, ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND. YOU BEAR ALL RISKS ASSOCIATED WITH THE USE OF THE SITE AND CONTENT, INCLUDING WITHOUT LIMITATION, ANY RELIANCE ON THE ACCURACY, COMPLETENESS OR USEFULNESS OF ANY CONTENT AVAILABLE ON THE SITE. MONEYMADE AND ITS EMPLOYEES, OFFICERS, DIRECTORS, , PARTNERS, AGENTS, REPRESENTATIVES, SUPPLIERS AND SERVICE PROVIDERS, DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ALL WARRANTIES OF TITLE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, USEFULNESS, MERCHANTABILITY, AND FITNESS FOR A PARTICULAR USE, AND WARRANTIES THAT MAY ARISE FROM COURSE OF DEALING/PERFORMANCE OR USAGE OF TRADE.


CONTACT US

If you have any questions about our Privacy Policy or information practices or need to access this Privacy Policy in a different format, please feel free to contact us at our designated request address: [email protected], by phone +1 (424) 205 4516 or by mail:
527 S Gertruda Ave
Redondo Beach, CA 90277


LIMITATION OF LIABILITY

YOUR EXCLUSIVE REMEDY FOR DISSATISFACTION WITH THE SITE AND CONTENT IS TO STOP USING THE SITE AND CONTENT. MONEYMADE IS NOT LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL OR PUNITIVE DAMAGES, UNDER ANY THEORY OF LIABILITY, INCLUDING WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, USE, DATA, OR LOSS OF OTHER INTANGIBLES. IN PARTICULAR, AND WITHOUT LIMITATION, MONEYMADE WILL NOT BE LIABLE FOR DAMAGES OF ANY KIND RESULTING FROM YOUR USE OF OR INABILITY TO USE THE SITE OR CONTENT. While we try to maintain the integrity and security of the Site and the servers from which the Site is operated, we do not guarantee that the Site or Content is or remains secure, complete or correct, or that access to the Site or Content will be uninterrupted or error free. The Site and Content may include inaccuracies, errors and materials that violate or conflict with these Terms. Additionally, third parties may make unauthorized alterations to the Site or Content. If you become aware of any unauthorized third party alteration to the Site or Content, contact us at [email protected] with a description of the material(s) at issue and the URL.


NOTICES, COMMUNICATIONS, AND ELECTRONIC SIGNATURES

You agree to be bound by any affirmation, assent or agreement that you transmit on or through the Site or any other aspect of MoneyMade’s services that you access by computer or other electronic device, including internet, telephonic and wireless devices, including but not limited to any consent you give to receive communications from us solely through electronic transmission. You agree that, when in the future you click on a “Submit” or “I agree” or other similarly worded “button” or entry field with your mouse, keystroke or other device, your agreement or consent will be legally binding and enforceable and the legal equivalent of your handwritten signature.


LIMITED RIGHT OF USE/OWNERSHIP OF CONTENT

You are permitted to use the Site and Content for your personal, non-commercial use only. The Site and Content are and shall remain the property of MoneyMade and is protected by copyright, trademark, patent, and/or other intellectual property, proprietary, work product rights and laws. You may use the Site and Content for your personal, noncommercial use, provided that you keep intact all copyright, trademark, patent and other proprietary notices. Except as expressly authorized in advance by MoneyMade in writing, you agree not to reproduce, modify or create derivative works based on, rent, lease, loan, sell, distribute, publish, publicly perform or display, reverse engineer, de-compile or dissemble, all or any part of the Site or Content. Trade names, trademarks and service marks of MoneyMade include, without limitation, MoneyMade and any associated logos. All trademarks and service marks on the Site not owned by MoneyMade are the property of their respective owners. Nothing contained on the Site should be construed as granting, by implication, estoppel or otherwise, any license or right to use any of MoneyMade’s trade names, trademarks or service marks without our express prior written consent.


TERMINATION

MoneyMade, in its sole discretion, may terminate your access to or use of the Site and Content, at any time and for any reason. Your access to or use of the Site and Content may be terminated without notice. MoneyMade shall not be liable to you or any third party for any termination of your access to the Site or Content, or to any such information or files, and shall not be required to make such information or files available to you after any such termination.


RULES OF CONDUCT

Your use of the Site and Content is conditioned on your compliance with the rules of conduct set forth here. You will not:
• Use the Site or Content for any fraudulent or unlawful purpose.
• Interfere with or disrupt the operation of the Site or Content or the servers or networks used to make the Site and Content available; or violate any requirements, procedures, policies or regulations of such networks.
• Restrict or inhibit any other person from using the Site or Content (including without limitation by hacking or defacing any portion of the Site or Content).
• Use the Site or Content to advertise or offer to sell or buy any goods or services without MoneyMade’s express prior written consent.
• Reproduce, duplicate, copy, sell, resell or otherwise exploit for any commercial purposes, any portion of, use of, or access to the Site or Content.
• Modify, adapt, reverse engineer, de-compile/disassemble any part of the Site or Content.
• Remove any copyright, trademark or other proprietary rights notice from the Site or materials originating from the Site or Content.
• Frame or mirror any part of the Site or Content without MoneyMade’s express prior written consent.
• Create a database by systematically downloading and storing Content.
• Use any robot, spider, site search/retrieval application or other manual or automatic device to retrieve, index, “scrape,” “data mine” or in any way gather Content or reproduce or circumvent the navigational structure or presentation of the Site without Company’s express prior written consent.


INDEMNIFICATION

By accessing and using the Site and Content, you agree to indemnify, defend and hold harmless MoneyMade (specifically including its officers, directors, owners, partners, employees, agents, information providers, licensors and licensees) (collectively, the “Indemnified Parties”) from and against any and all claims, losses, costs and expenses (including attorneys’ fees) arising out of or relating to (a) any breach (or claim, that if true, would be a breach) by you of these Terms and (b) your use of or activities in connection with the Site. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you. You shall not enter into any settlement agreement which affects the rights of any of the Indemnified Parties or requires the taking of any action by any of them, without our prior written approval.


JURISDICTIONAL CONTEXT

The Site is controlled and operated by MoneyMade from the United States, and is not intended to subject MoneyMade to the laws or jurisdiction of any country or territory other than that of the United States. MoneyMade does not represent or warrant that the Site or any part thereof is appropriate or available for use in any particular jurisdiction other than the United States and only in those US states and territories where MoneyMade is registered or licensed or exempt from registration or licensing under applicable state or federal law. In choosing to access the Site, you do so on your own initiative and at your own risk, and you are responsible for complying with all local laws, rules and regulations. We may limit the Site’s availability to any person, geographic area or jurisdiction.


MODIFICATIONS

MoneyMade may amend the terms of use at any time in its discretion, by posting revisions on the Site.


Privacy Policy

1. Introduction

Welcome to MoneyMade. We are committed to protecting your privacy. This Privacy Policy outlines our practices regarding the collection, use, and disclosure of your information through the use of our website MoneyMade.io. MoneyMade. and its affiliates and subsidiaries (collectively, “MoneyMade”, “we”, “our” or“us”) are committed to protecting your privacy. MoneyMade may collect information relating to you as an individual including certain sensitive personal information, where permitted by law (your “personal information”). This privacy policy (the “Privacy Policy”) describes the ways in which we collect information from you, including specifically when you use our website (“Website”), and what we may use it for. This Privacy Policy also applies to our collection and use of information in the normal course of business. This Privacy Policy is at all times subject to any applicable requirements of local law and regulation.

2. Information Collection

We collect information from you when you visit our website, register an account, or use our services. The types of information we may collect include:
• Personal Information: Your name, email address, postal address, phone number, and other information you provide.
• Usage Information: Information about how you use our website and interact with our services.
• Technical Information: Your IP address, browser type, operating system, and other technical data.

3. Use of Information

The information we collect from you may be used to:
• Provide and improve our services.
• Communicate with you about our services or offers.
• Analyze website usage and trends.

4. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to track the activity on our website and hold certain information. Cookies are files with a small amount of data which may include an anonymous unique identifier. All MoneyMade servers and computer systems are designed to be protected from outside intrusions. As a result, all data that may be collected about users through the use of cookies should be protected from unauthorized access. The data collected through cookies placed on your device will not be kept for longer than is necessary to fulfill the purposes mentioned above; in particular, cookies that we place automatically expire in accordance with the timeframes described above.

You can also change your cookie settings on your browser to block the recording of cookies on your hard drive, in order to minimize the amount of data that may be collected about your navigating on the Website. The procedure for blocking cookies may vary for different software products. Please check your Internet browser software or with your software supplier if you wish to block cookies. However, disabling cookies may result in certain features of the Website not working, so for optimal use of the Website, we recommend that you do not disable cookies on your device.

Use of Cookies

We may collect data that may include your personal information by sending “cookies” to your browser, which will store them in your device (e.g., computer, phone, etc.) in order to facilitate your browsing. A cookie is a small chunk of information sent by our web server to the web browser software that you are using to access the Website. A cookie enables our web server to collect information from your web browser software. We collect user permission for our use of cookies through a clear notice in the form of a website banner that appears when users view the Website, giving users the option to accept the use of cookies. You are also able to opt-out of the use of non-essential cookies, through options made available on the Website banner.


We use the following types of cookies:


• Essential cookies, to provide necessary Website functionality for users. Essential cookies may include, for example, cookies that remember your preferences and settings; cookies that remember certain information that you enter through the Website; or cookies that allow the Website to function properly. Essential cookies are usually only set in response to actions made by you which amount to a request for services.
• Analytics cookies, collecting statistics about the use of the Website by users, such as counting visits and traffic sources, which enable us to measure and improve the performance of our Website. These cookies also help us to know which pages are the most and least popular and see how visitors move around the Website and what content they view.

5. Data Security

We take reasonable measures to protect the information we collect from you from unauthorized access, use, or disclosure.

6. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.

7. Your rights regarding your personal information

Under the California Privacy RightsAct, you have the following rights in personal information held by us:
• You have the right to request that MoneyMade disclose the personal information that it collects and uses about you. You may “request to know”: (i) the categories of personal information that MoneyMade has collected about you; (ii) the categories of sources from which the personal information is collected; (iii) the business or commercial purpose for collecting your personal information; (iv) whether any categories of personal information were disclosed for a business purpose to third parties and the categories of third parties with whom MoneyMade discloses your personal information; and (v) the specific pieces of personal information that MoneyMade has collected about you. Your request may pertain to the personal information collected about you on or after October 1, 2022. If your request covers a time period beyond twelve (12) months from the date of your request, MoneyMade may deny your request as to that time period where it would be impossible for MoneyMade to provide you with the information or involve disproportionate effort.
• You have the right under certain circumstances to receive specific pieces of your personal information in a format that is understandable, and to the extent technically feasible, in a structured, commonly used, machine readable format that allows you to transmit the information to another entity.
• You have the right to correct inaccurate personal information.
• You have the right to request deletion of personal information under certain circumstances. For example, we may not be required to delete personal information if we need to retain the information to complete the transaction for which the personal information was collected, perform on a contract with us, or to comply with a legal obligation. In addition, we may delay deletion with respect to data stored on an archived or backup system, until the archived or backup system relating to that data is restored to an active system or next accessed or used for a commercial purpose.
• You have the right not to receive discriminatory or retaliatory treatment for the exercise of any of these rights.

We will not discriminate or retaliate against you or refuse to provide you services because you have exercised your rights. You may submit verifiable requests concerning any of your rights by contacting us by e-mail to: [email protected] or by mail at the address below. We will use reasonable methods for verifying that the person making a request to know, data portability, request to corrector a request to delete is the individual about whom we have collected personal information.
This may involve, depending on the nature of the request, confirming that the email address provided corresponds with our records concerning the individual. Additional reasonable measures may also be required to verify the identity of the person making the request depending on the circumstances. For requests to delete made electronically, you may be required to submit the request to delete, and then separately confirm that you want your personal information deleted. We will maintain a record of your request to delete. To the extent that you wish to use an authorized agent to make requests concerning the rights set forth above, you will need to provide us either with a power of attorney or, alternatively, with signed authorization to communicate with your authorized agent, and directly confirm that you provided the authorized agent with permission to submit the request.
We will (i) confirm receipt of requests to know, data portability, to correct inaccurate information or to delete within ten (10) business days of the request; and (ii) generally respond to requests to know, data portability, to correct inaccurate information or to delete within forty-five [45] calendar days of the request. If we need additional time to respond to your request beyond the forty-five [45] calendar days, we will provide you with notice explaining the reasons we need more time, and we will then take up to an additional forty-five (45) calendar days to respond to your request.