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ElitePersonalFinance.com Terms of Use!

 

Latest Update:    May 30, 2017

BY ACCESSING OR USING THE SITE YOU AGREE TO BE BOUND BY THESE TERMS OF USE, THE SITE’S PRIVACY POLICY, ANY OTHER TERMS AND CONDITIONS INCORPORATED BY REFERENCE IN THESE TERMS OF USE OR THE SITE PRIVACY POLICY, AND ALL APPLICABLE LAWS. PLEASE READ THESE TERMS OF USE AND THE SITE’S PRIVACY POLICY CAREFULLY. IF YOU DO NOT AGREE WITH THESE TERMS OF USE OR THE SITE’S PRIVACY POLICY, YOU SHOULD LEAVE THE SITE AND IMMEDIATELY DISCONTINUE YOUR USE OF THE SITE SERVICES.

ElitePersonalFinance may modify: Terms of Use, Privacy Policy, Advertising Disclosure from time to time, and any such modifications shall be effective upon posting by ElitePersonalFinance of the modified Terms of Use on the Site. You agree to be bound by these changes every time You visit ElitePersonalFinance, after any such modification has been posted on the Site. It is therefore important that You review these pages every time You access Site to ensure that You are aware of any changes or modifications to them. Here are the links to our legal pages:

http://www.elitepersonalfinance.com/terms/

http://www.elitepersonalfinance.com/privacy/

http://www.elitepersonalfinance.com/advertisement-disclosure/ 

Lawful Purposes

You represent and warrant that You will not use the Site for any purpose that is unlawful, or prohibited by the Terms of Use, or any law or regulation applicable to You or Your business.

You may not use the Site in any manner which could damage, disable, overburden, or impair the Site or interfere with any other party’s use and enjoyment of the Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Site.

License Grant and Restrictions

ElitePersonalFinance hereby grants to You a limited, non-exclusive, non-transferable, and revocable right to access and use the Site Services and utilize the features, content and tools that ElitePersonalFinance makes available to You through the Site or otherwise. You shall use the Site, and any ElitePersonalFinance Content solely for Your personal use, and for no other purpose whatsoever without the express written consent of ElitePersonalFinance. You shall not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, broadcast, create derivative works from, transfer, or sell any of the ElitePersonalFinance content on the Site, including without limitation, any data, text, artwork, graphics, logos, button icons, images, audio clips, digital downloads, product and service descriptions, and data compilations. The license granted in the Terms of Use does not include any resale or commercial use of the Site, or any product listings, descriptions, or prices. ElitePersonalFinance reserves the right to suspend or deny, in its sole discretion, Your access to all or any portion of the Site as described below. Any rights in the Site not expressly granted to You in the Terms of Use are reserved to ElitePersonalFinance.

Use of Information and Intellectual Property Protection

In brief! You can NOT Copy and Post Our Content on Your site, or on sites where you are allowed to post!

You are granted a non-exclusive, non-transferable, revocable license to access and use ElitePersonalFinance.com strictly in accordance with these terms of use.

Neither the Site, nor any data, information, text, images, or other content accessible on or through the Site may be: published anywhere else, duplicated, modified, reengineered, decompiled, reverse engineered, decrypted, reassembled, supplemented, translated, adapted, or enhanced, except by ElitePersonalFinance or as expressly authorized by ElitePersonalFinance in writing. You shall not use, copy, distribute, display, demonstrate, or sub-license the Site, or any other information accessible through the Site, the software related thereto, or any component thereof, except as permitted by the Terms of Use, or as expressly authorized by ElitePersonalFinance. The rights granted to You by ElitePersonalFinance to use the Site are strictly limited to the rights specified in these Terms of Use and You shall not have any rights to re-license or sub-license access to, or use of, the Site, the Site Services, or any components thereof, to any other person or entity. You acknowledge and agree that You are solely responsible for Your use of the Site and for Your compliance with any laws and regulations relating to such use.

All content included as part of the Site, such as text, graphics, logos, images, as well as the compilation thereof, and any software used on the Site, is the property of ElitePersonalFinance or its suppliers and protected by copyright and other laws that protect intellectual property and proprietary rights. You agree to observe and abide by all copyright and other proprietary notices, legends or other restrictions contained in any such content and will not make any changes thereto.

ElitePersonalFinance content is not for resale. The information provided on our site is absolutely free for users. You have no rights to: claim that you are owner of materials on the site, sale them, participate in the transfer or sale, create derivative works, or in any way exploit any of the content, in whole or in part, found on the Site. Your use of the Site does not entitle you to make any unauthorized use of any protected content, and in particular you will not delete or alter any proprietary rights or attribution notices in any content. You will use protected content solely for your personal use, and will make no other use of the content without the express written permission of ElitePersonalFinance and the copyright owner. You agree that you do not acquire any ownership rights in any protected content. We do not grant you any licenses, express or implied, to the intellectual property of ElitePersonalFinance or our licensors except as expressly authorized by these Terms.

EXCEPT AS EXPRESSLY PROVIDED IN THE TERMS OF USE, NEITHER ELITEPERSONALFINANCE NOR ANY THIRD PARTY HAS CONFERRED UPON YOU BY IMPLICATION, OR OTHERWISE, ANY LICENSE OR RIGHT UNDER ANY PATENT, TRADEMARK, COPYRIGHT, OR OTHER PROPRIETARY RIGHTS TO USE THE SITE. NO OWNERSHIP RIGHTS ARE OR WILL BE ASSIGNED TO YOU BY REASON OF THESE TERMS OF USE OR YOUR USE OF THE SITE OR THE SITE SERVICES.

Site Security

You are prohibited from violating or attempting to violate the security of the Site, including, without limitation:

  1. Accessing data not intended for Your use, or logging onto a server which You are not authorized to access.
  2. Attempting to probe, scan or test the vulnerability of the Site or any ElitePersonalFinance system or network, or to breach security or authentication measures utilized by ElitePersonalFinance on the Site without proper authorization.
  3. Attempting to interfere with ElitePersonalFinance ‘s service to any User of the Site, ElitePersonalFinance ‘s hosting service provider, or ElitePersonalFinance ‘s network, including, without limitation, via means of submitting a virus to the Site, overloading, “flooding,” “spamming,” “mailbombing” or “crashing” the Site
  4. Sending unsolicited email, including promotions and/or advertising of products or services not otherwise expressly authorized or permitted by ElitePersonalFinance.
  5. Forging any TCP/IP packet header or any part of the header information in any email or newsgroup posting.

Violations of ElitePersonalFinance ‘s system or network security may result in civil or criminal liability. ElitePersonalFinance will investigate occurrences that may involve such violations and may involve, and cooperate with, law enforcement authorities in prosecuting Users, including You, who are involved in such violations. You agree not to use any device, software or routine to interfere or attempt to interfere with the proper working of the Site or any activity being conducted on the Site. You agree, further, not to use or attempt to use any engine, software, tool, agent or other device or mechanism (including without limitation browsers, spiders, robots, avatars or intelligent agents) to navigate or search the Site other than any search engine and search agents available from ElitePersonalFinance on the Site and other than generally available third party web browsers.

Disclaimer of Warranties

ElitePersonalFinance writers and editors always try to provide accurate, complete, and current ElitePersonalFinance content on the Site. Nevertheless, ElitePersonalFinance does not guarantee or warrant that the ElitePersonalFinance content displayed on the Site is accurate, complete, timely, or free of technical or typographical errors.

YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT YOUR USE OF THE INFORMATION ON THE SITE, IN ANY ELITEPERSONALFINANCE CONTENT, IS AT YOUR SOLE RISK. THE ELITEPERSONALFINANCE CONTENT CONTENT IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. ELITEPERSONALFINANCE EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED. ELITEPERSONALFINANCE CONTENT DOES NOT MAKE ANY WARRANTY THAT THE ELITEPERSONALFINANCE CONTENT CONTENT WILL MEET YOUR REQUIREMENTS OR THAT ACCESS TO THE SITE, AND THE ELITEPERSONALFINANCE CONTENT CONTENT WILL BE UNINTERRUPTED, TIMELY, SECURE, ACCURATE, VIRUS-FREE OR ERROR FREE. EXCEPT AS OTHERWISE SEPARATELY EXTENDED TO YOU AT THE TIME YOU RECEIVE ANY ELITEPERSONALFINANCE CONTENT PROVIDED TO YOU, ELITEPERSONALFINANCE DOES NOT MAKE ANY WARRANTY CONCERNING THE INFORMATION AND RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE ELITEPERSONALFINANCE CONTENT PROVIDED ON OR THROUGH THE SITE, OR CONCERNING THE ACCURACY OR RELIABILITY OF ANY INFORMATION DISPLAYED THEREON. ELITEPERSONALFINANCE DOES NOT MAKE ANY WARRANTY REGARDING ANY INFORMATION OBTAINED FROM ANY HYPERLINKED THIRD PARTY SITE, INCLUDING ANY ADVERTISER’S SITE. ELITEPERSONALFINANCE DOES NOT MAKE ANY WARRANTY REGARDING THE RELATIONSHIPS BETWEEN ANY ADVERTISER ON THE SITE AND OTHER USERS OF THE SITE. INFORMATION OBTAINED BY YOU FROM THE SITE SHALL NOT CREATE ANY WARRANTY NOT EXPRESSLY OR IMPLIEDLY MADE HEREIN TO THE EXTENT PERMITTED BY APPLICABLE LAW.

THE CONTENT DISPLAYED ON THE SITE MAY RELATE TO PRODUCTS OR SERVICES THE SALE OF WHICH MAY REQUIRE A LICENSE OR IS OTHERWISE REGULATED BY LOCAL, STATE OR FEDERAL AGENCIES. ELITEPERSONALFINANCE IS NOT A SELLER OR PROVIDER OF ANY SUCH PRODUCT OR SELLER, AND IS NOT LICENSED TO DO SO. SUCH PRODUCTS OR SERVICES ARE AVAILABLE ONLY FROM THIRD PARTIES, AND NOT FROM ELITEPERSONALFINANCE. BEFORE DOING BUSINESS WITH ANY THIRD PARTY PROVIDING A PRODUCT OR SERVICE THAT IS SUBJECT TO GOVERNMENTAL REGULATION, YOU SHOULD DETERMINE THAT THE PROVIDER OF SUCH PRODUCT OR SERVICE IS LEGALLY AUTHORIZED TO ENGAGE IN SUCH BUSINESS. YOUR DEALINGS WITH ANY PROVIDER OF PRODUCTS OR SERVICES DESCRIBED ON THE SITE IS AT YOUR OWN RISK. YOU ARE ENCOURAGED TO CONSULT WITH YOUR LEGAL, ACCOUNTING OR FINANCIAL ADVISORS BEFORE ACQUIRING ANY PRODUCT OR SERVICE IDENTIFIED ON THE SITE. ELITEPERSONALFINANCE DOES NOT CONDUCT ANY INVESTIGATION OF THE PROVIDERS OF PRODUCTS OR SERVICES IDENTIFIED ON THE SITE, OR THE QUALITY OF SUCH PRODUCTS OR SERVICES. YOU ARE SOLELY RESPONSIBLE FOR DETERMINING WHETHER ANY PRODUCT OR SERVICE IDENTIFIED ON THE SITE IS APPROPRIATE FOR YOUR PURCHASE OR USE.

ANY CONTENT DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE SERVICES IS DOWNLOADED AND USED AT YOUR SOLE DISCRETION AND RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM, MOBILE DEVICE, SOFTWARE, TECHNOLOGY OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OR USE OF ANY SUCH CONTENT.

NO ADVICE OR INFORMATION, OBTAINED BY YOU FROM ELITEPERSONALFINANCE OR THROUGH OR FROM THE SERVICES SHALL CREATE ANY WARRANTY.

ELITEPERSONALFINANCE DO NOT PROVIDE MEDICAL OR LEGAL ADVICE! CONSULT WITH YOUR DOCTOR REGARDING ALL ISSUES RELATING TO THE PREVENTION, DIAGNOSIS OR TREATMENT OF ANY MEDICAL CONDITION, AND WITH YOUR LEGAL COUNSEL REGARDING ANY LEGAL CONCERNS.IF YOU FEEL SOME OF THE INFORMATION PROVIDED ON OUR SITE GIVE LEDAL OR MEDICAL ADVICE,USE IT ON YOUR RISK!

Thirty-Party Links

ElitePersonalFinance may contain links to other websites (“Linked Sites”). The Linked Sites are not under the control of ElitePersonalFinance and ElitePersonalFinance is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. ElitePersonalFinance is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by ElitePersonalFinance of the site or any association with its operators.

ElitePersonalFinance may provide (1) information and content provided by third parties; (2) links to third-party websites or resources, such as sellers of goods and services; and (3) third-party products and services for sale directly to you. Please note that some of these links may be affiliate marketing links encoded by third party partners. This means that we may earn a commission when you click on a link, register to some of the sites linked by our site or make purchases after you click on some of the sites linked by us. Some of these sites may use cookies to understand your use of the Services.

For more information on that, read also our Advertisement Disclosure.

ElitePersonalFinance is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for (i) any content, advertising, products, or other materials on or available from such sites or resources, (ii) any errors or omissions in these websites or resources, or (iii) any information handling practices or other business practices of the operators of such sites or resources. You further acknowledge and agree that ElitePersonalFinance shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any linked sites or resources. Your interactions with such third parties will be governed by the third parties’ own terms of service and privacy policies, and any other similar terms.

Submitting content for publication on http://www.elitepersonalfinance.com/

Visitors to http://www.elitepersonalfinance.com/ are allowed to submit materials to be published in several areas of the site, For example: guest posts; comments on blog posts. We will not accept any responsibility with regard to any material submitted by operators and published by us and we are not blamable for its content and accurateness.

In case you want to offer any material to us for publication, feel free to do so on the following terms and conditions:

(I) We will decide whether submitted materials will be published through our website. We possess the right to make adjustments (additions or deletions) to the information.

(ii) You guarantee that materials you submit is not indecent, belligerent, insulting of any individual or otherwise unlawful. You guarantee that you have full rights over the products (text, images and so on) that you send to us. You give us full rights over these products. In case, you submit a guest post, you guarantee that you will not allow other sites to publish it. You give us full rights to modify it the way we want, including to delete it from the site in time.

(iii) You agree not to publish information which is intentionally projected to distraught other users.

Identity Theft, Fraud, Scams

At ElitePersonalFinance, you will find many advice, including recommended companies that will help you prevent identity theft, fraud, scams. Unfortunately no one can guarantee that identity theft can be prevented. At this time, there is no guaranteed way that will help you prevent identity theft. We take no guarantees about our advice, that you read on our site, our techniques that you use, the companies that we link to. Although some of them can help you reduce the risk of identity theft, no one can guarantee that identity theft won’t happen to you.

We take no responsibilities if you have problems of any kind after using our site (identity theft, fraud, scam, etc).

Note! Although our Terms or Use can’t guarantee that you will prevent identity theft, fraud, scams and so on, we work really hard to provide the best information and help on the Internet on these topic!

Loans

Although, we want to provide the best financial offer available, still there are many loan offers with too high APR. Typically these are: “payday loans”, “bad credit loans”, “no credit check loans”.

We at ElitePersonalFinance don’t consider them scam, but don’t recommend them.

So, why we list some of them and what is our opinion on them:

  • We try to give the best offers, in case you really need to get a loan, but you have bad credit or you can’t apply in other companies.
  • We strongly recommend you to work on increasing your credit score and try to give tips.
  • You have to understand that we only try to help if you are in a situation when you have really bad credit, and you really need to get a loan.

Note! Although, we are not here to recommend bad credit loans with too high APR, we still work very hard to help you reduce APR by: finding better loan companies for your need; increasing credit score, giving you extra tips on how to pay less.

Other:

ElitePersonalFinance makes no representations that the Services are appropriate for use in your location.  Those who access or use the Services from other locations do so at their own risk and are responsible for compliance with local law.

These terms and conditions apply in just any device that you use to access the website (PC, Mobile Phone, ect.).

If you have any questions, contact us.