This website is provided for informational purposes only. By using this website, you agree to the following Terms of Use.  Simple Money, LLC owns the copyright for all the material on the website or has the exclusive right to use it. Simple Money, LLC also owns or has the right to use all trademarks, service marks, and trade names used on this website. No part of this website may be copied, reproduced, republished, uploaded, posted, transmitted, or disturbed in any way.   Any modifications of the materials or use of the materials for any other purpose is a violation of Simple Money, LLC’s copyright and other proprietary rights. The use of such material on any other website or computer network without Simple Money, LLC’s written consent is strictly prohibited. Your use of the trademarks, service marks and trade names on this website in any manner other than as authorized in this Terms of Use, or as otherwise authorized in writing by us, is strictly prohibited.

This website is not intended to provide any tax, legal, financial planning, insurance, accounting, investment, or any other kind of professional advice or services, and nothing on the website should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security, insurance policy, or investment strategy. You should consult with an appropriate tax or legal professional before taking action based on any suggestions or information on this site. Unless otherwise specified, you are solely responsible for determining whether any financial or insurance strategy, product or service, is appropriate or suitable for you based on your investment objectives and personal and financial situation.

Nothing on this website is intended to hold Simple Money, LLC out as an investment adviser, a broker, or a dealer.  No information provided on this website shall be deemed to constitute investment advice under applicable state or federal law.

All comments, suggestions, graphics, ideas, and other information and materials you submit to will become and remain the exclusive property of Simple Money, LLC, including any future rights associated with such submissions, even if these Terms of Use are later modified or terminated.

The materials in this website are provided “as is” and without warranties of any kind, express or implied. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, SIMPLE MONEY, LLC HEREBY EXPRESSLY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND TITLE AND NON-INFRINGEMENT. SIMPLE MONEY, LLC DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIALS IN THIS WEBSITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. The materials in this website could include technical inaccuracies or typographical errors. This material could be inaccurate or become inaccurate as a result of certain developments occurring after the respective dates of the material contained in this website. Simple Money, LLC undertakes no obligation to verify or maintain the currency of such information.

Simple Money, LLC endeavors to maintain this website and its operation, but is not responsible for any defect that may exist in the website or its operations. AS TO THE OPERATION OF THE WEBSITE, SIMPLE MONEY, LLC HEREBY EXPRESSLY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. SIMPLEMONEY.COM MAKES NO WARRANTY THAT (I) THE OPERATION OF THE WEBSITE WILL MEET THE USER’S REQUIREMENTS; (II) ACCESS TO THE WEBSITE WILL BE UNINTERRUPTED, TIMELY, SECURE, FREE OF VIRUSES, WORMS, TROJAN HORSES OR OTHER HARMFUL COMPONENTS, OR FREE OF DEFECT AND ERRORS; (III) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THIS WEBSITE WILL BE ACCURATE OR RELIABLE; OR (IV) DEFECTS WILL BE CORRECTED. You assume the entire cost of all services, repairs, or corrections that may be necessary for your computer equipment and software as a result of viruses, errors or any other problems whatsoever you may have as a result of visiting this website.

Simple Money, LLC will not be liable for any damages or injury, including any direct, special, incidental, consequential, punitive or other damages that may result from the use of, or the inability to use the website, whether under the law of contract, the law of torts or otherwise, in relation to the contents of, or use of, or otherwise in connection with, this website for any indirect, special or consequential loss; or for any business losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data; or for any damage or injury caused by error omission, interruption, defect, failure of performance, delay in operation or transmission, line failure or computer virus, worm, Trojan horse, or other harmful component.   These limitations of liability apply even if Simple Money, LLC has been expressly advised of the potential loss.

Applicable law may not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Accordingly, some of the above limitations or exclusions may not apply to you. However, IN NO EVENT SHALL SIMPLE MONEY, LLC’S TOTAL LIABILITY TO YOU FOR DAMAGES, LOSSES AND CAUSES OF ACTION EXCEED THE AMOUNT PAID BY YOU FOR ACCESSING THE SITE.

You agree to indemnify, hold harmless and defend Simple Money, LLC, its members, directors, officers, employees and agents, from and against any action, cause, claim, damage, debt, demand or liability, asserted by any person, arising out of or related to: (i) these Terms of Use; (ii) your use of this website, including any date or work downloaded, transmitted or received by you; and (iii) any libelous, slanderous, indecent or other statement concerning any person made or republished by you.

These Terms of Use and any disputes arising under or related to these Terms of Use (whether for breach of contract, tortious conduct or otherwise) will be governed by the internal laws of the State of North Carolina, without reference to its conflict of law principles.

If any conflict exists between any provision of these Terms of Use and any applicable statute, law, regulation of ordinance, the latter will prevail, but in such event, the affected provision of these Terms of Use will be modified or limited only to the extent necessary to bring it within such legal requirements.

Any legal suit, action or proceeding arising out of, or related to, these Terms of Use or the Website shall be instituted exclusively in the federal courts of the United States or the courts of the State of North Carolina, in each case located in Asheville, North Carolina, although we retain the right to bring any suit, action or proceeding against you for breach of these Terms of Use in your country of residence or any other relevant country. You waive any and all objections to the exercise of jurisdiction over you by such courts and to a venue in such courts.

No failure on the part of Simple Money, LLC to enforce any part of these Terms of Use shall constitute a waiver of any of Simple Money, LLC’s rights under these Terms of Use whether for past or future actions on the part of any person. Neither the receipt of any funds by Simple Money, LLC or nor the reliance of any person on Simple Money LLC’s actions through shall be deemed to constitute a waiver of any part of these Terms of Use. Only a specific, written waiver signed by an authorized representative of Simple Money, LLC shall have any legal effect whatsoever.

The Terms of Use and our Privacy Policy and Terms of Sale constitute the sole and entire agreement between you and Simple Money, LLC with respect to the Website and supersede all prior and contemporaneous understandings, agreements, representations and warranties, both written and oral, with respect to the Website.

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