Terms & Conditions Of Use - Curious and Calculated

Welcome to CuriousandCalculated.com. CuriousandCalculated.com for use in accordance with these Terms and Conditions of Use (“Terms of Use”and or “Agreement”). PLEASE READ THIS DOCUMENT CAREFULLY.

These rules and guidelines are intended to protect you and to ensure that CuriousandCalculated.com is safe and productive for everybody. By agreeing to these terms, you’re taking responsibility for your own actions. If you do not agree with these Terms of Use, your use of and access to this site is unauthorized. CuriousandCalculated.com reserves the right to terminate your access to this service without notice if we learn that you have violated these Terms of Use.

Definitions

CuriousandCalculated.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 by CuriousandCalculated.com. Community Areas shall mean all bulletin boards, chat rooms, forums and other user participatory areas on the CuriousandCalculated.com web site.

Modification of These Terms and Conditions

CuriousandCalculated.com shall have the right at any time to impose, change, or modify the Terms and Conditions of Use of this web site, or any part thereof, at its sole discretion. Such changes, modifications, additions, or deletions shall be effective immediately upon posting on the web site. User agrees to review the terms and conditions periodically and be aware or such revisions. Your continued use of this site shall conclusively be deemed to constitute your acceptance of the modified Terms of Use.

Our policy with respect to the collection and use of personal information is set forth in our Privacy Policy.

The content available through CuriousandCalculated.com is the property of CuriousandCalculated.com and is protected by copyright and other intellectual property laws. Content includes without limitation, text, graphics, images, animations, computer programs, data, designs, logos, button icons, stories, tools, calculators, and the arrangement, collection and assembly of the same. You acknowledge that CuriousandCalculated.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 Use and applicable copyright, trademark and other laws govern your use of this content.

Content received through CuriousandCalculated.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 CuriousandCalculated.com to anyone, including but not limited to others in the same organization or company, without the express prior written consent of CuriousandCalculated.com, with this one exception: You may, on an occasional and irregular basis, disseminate an insubstantial portion of the content from CuriousandCalculated.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 CuriousandCalculated.com and original source attribution link to or the exact URL of the source page.

You may not post to CuriousandCalculated.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 CuriousandCalculated.com is not protected by rights rests with you. You acknowledge that CuriousandCalculated.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 CuriousandCalculated.com to newsgroups, mail lists, blogs, or electronic bulletin boards, without the prior written consent of CuriousandCalculated.com. CuriousandCalculated.com includes facts, views, opinions and recommendations about subjects, individuals and organizations deemed of interest. CuriousandCalculated.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.

Trademarks

“CuriousandCalculated.com”, “CuriousandCalculated”, “Curious and Calculated”, and “Tax Bracket Manager” are trademark. No license is granted with respect to any of these trademarks in any manner or for any purpose.

Links

CuriousandCalculated.com may contain links to other web sites or resources located worldwide throughout the Internet. 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 held responsible for the legality, accuracy, or inappropriate nature of any content, advertising, products, services or information located on or through any other web sites, nor for any loss or damages caused or alleged to have been caused by the use of or reliance on any such content without limitation.

Code of Conduct

While using CuriousandCalculated.com you agree to comply with all applicable laws, rules and regulations. In addition, you specifically agree not to:

Use the site for any unlawful purpose.
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.
Transmit any content or non-public information about companies without the authorization to do so or any trade secret of any third party.
Transmit any content or information such as advertisements, solicitations, chain letters, pyramid schemes, investment opportunities, or other unsolicited commercial communication except as otherwise specifically permitted by us.
Engage in spamming or flooding.
Transmit any software or other materials that contain any virus, worm, time bomb, Trojan horse, or other harmful or disruptive component.
Modify, adapt, sublicense, translate, sell, reverse engineer, decompile or disassemble any portion of the site.
Harvest or collect information about site visitors or members without their express consent.
Restrict or inhibit any other visitor or member from using the site, including, without limitation, by means of “hacking” or “cracking” or defacing any portion of the site.
Remove any copyright, trademark, or other proprietary rights notices contained in the sites.
Frame or mirror any part of the site without our prior written authorization
Use 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.
Express or imply that any statements you make are endorsed by us, without our prior written consent.

You alone are responsible for the content and the consequences of your communications. CuriousandCalculated.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 and Conditions of Use.

CuriousandCalculated.com reserves the right, but in no way shall we be obligated or required, to delete any inappropriate, objectionable, or offensive material from our site. 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 Use or any law.

Submissions and Postings

Because CuriousandCalculated.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 CuriousandCalculated.com.

Third Party Products and/or Services

CuriousandCalculated.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. CuriousandCalculated.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 CuriousandCalculated.com, nor will CuriousandCalculated.com be construed as a party to such transactions, whether or not CuriousandCalculated.com may have received some form of revenue or other remuneration in connection with the transaction. CuriousandCalculated.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.

CuriousandCalculated.com also uses a smart email service provider, Drip, to help us serve you better. To that end, Drip tracks which pages you view on CuriousandCalculated.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.

Financial Advice

CuriousandCalculated.com firmly believes that if you give a man a fish you have fed him for a day, but if you teach a man how to fish you have fed him for a lifetime. CuriousandCalculated.com exists for educational purposes only (teaching fishing) and CuriousandCalculated.com is not an investment advisory service nor an investment advisor (giving fish), nor does CuriousandCalculated.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.

The nature of the materials presented on CuriousandCalculated.com are for general informational purposes only. No information on any part of the site is intended as 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, or fund. The information on the site should not be relied upon for purposes of transacting securities or other investments. 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. Your use of this site indicates your agreement that you are able to make your own decisions about financial matters and that you bear sole responsibility for your own investment research and decisions and will not hold CuriousandCalculated.com liable for any damages relating to your personal finances or investments.

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. The Securities and Exchange Commission (the “SEC”) maintains a web site with reports, proxy, and information statements, and other information regarding certain companies that file with the SEC. In addition, the SEC also provides information on various kinds of cyber-fraud. The address of this Web site is http://www.sec.gov/. Similarly, the National Association of Securities Dealers provides their own insights regarding online investing and information at http://www.nasdr.com/.

You understand and agree that CuriousandCalculated.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 CuriousandCalculated.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.

CURIOUSANDCALCULATED.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. CURIOUSANDCALCULATED.COM IS NOT A REGISTERED FINANCIAL ADVISOR.

Products and Payment

CuriousandCalculated.com grants you permission to use the Products (subject to payment, where 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.

You may purchase memberships to certain Products through a one-time payment as specified on CuriousandCalculated.com. When you make a purchase, you agree to let us charge the credit or debit card provided on a one-time 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.

Refund Policy

If you are not 100% satisfied with a Product that you purchased, we offer a 30-day money-back guarantee. To request a refund, you must email me (curiousandcalculated [at] gmail [dot] com) no later than thirty (30) 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.

CuriousandCalculated.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 CuriousandCalculated.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. CuriousandCalculated.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 CuriousandCalculated.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, CuriousandCalculated.com.

CuriousandCalculated.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.

Disclaimers

CURIOUSANDCALCULATED.COM, THE MATERIALS ON THIS SITE, AND ANY PRODUCT OR SERVICE OBTAINED OR ACCESSED THROUGH THIS SITE IS PROVIDED “AS IS” AND “AS AVAILABLE” AND WITHOUT REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, CURIOUSANDCALCULATED.COM AND ITS AFFILIATES, SUPPLIERS, ADVERTISERS, AND AGENTS DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY, AND FITNESS FOR A PARTICULAR PURPOSE.

CURIOUSANDCALCULATED.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. 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 CURIOUSANDCALCULATED.COM OR ITS AFFILIATES, SUPPLIERS, AGENTS, MEMBERS, OR VISITORS, WHETHER MADE ON THE SITE OR OTHERWISE, SHALL CREATE ANY WARRANTY.

CURIOUSANDCALCULATED.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 CURIOUSANDCALCULATED.COM’S SERVICES, REGARDING ANY GOODS OR SERVICES PURCHASED OR OBTAINED THROUGH CURIOUSANDCALCULATED.COM’S SERVICES, REGARDING ANY TRANSACTIONS ENTERED INTO THROUGH CURIOUSANDCALCULATED.COM’S SERVICES OR THAT CURIOUSANDCALCULATED.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.

Limitation of Liability

CURIOUSANDCALCULATED.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 CURIOUSANDCALCULATED.COM’S SERVICES, THE USE OF OR THE INABILITY TO USE CURIOUSANDCALCULATED.COM’S SERVICES, RESULTING FROM ANY GOODS OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH CURIOUSANDCALCULATED.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 CURIOUSANDCALCULATED.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 CURIOUSANDCALCULATED.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.

Indemnification

You agree to indemnify, defend and hold harmless CuriousandCalculated.com, its affiliates, officers, directors, employees, consultants and agents from any and all third party claims, liability, damages and/or costs (including, but not limited to, attorneys fees) arising from your use of our services, your violation of the Terms of Use 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 Use will inure to the benefit of CuriousandCalculated.com’s successors, assigns and licensees.

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 State of Nevada, 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 CuriousandCalculated.com’s services or your use thereof shall be an appropriate state or Federal court located in the State of Nevada, 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.

Miscellaneous

If any provision in this Agreement is found for any reason in a court of competent jurisdiction to be unenforceable or invalid, then that provision shall be deemed severable from this agreement and the remaining provisions of the Terms of Use will continue in full force and effect.

This agreement is not assignable, transferable or sub-licensable by you except with our prior written consent. 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 in no way defines or explains any section or provision contained in this Agreement.

These Terms of Use constitute the entire agreement between the parties with respect to the subject matter hereof and supersede and replace all prior or contemporaneous understandings or agreements, written or oral, regarding such subject matter. Any waiver of any provision of these Terms of Use will be effective only if in writing and signed by CuriousandCalculated.com.

If you have any questions regarding these Terms of Use, please contact CuriousandCalculated.com.

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