Legal Notice

About this website

Money Behaves (https://moneybehaves.com) is owned and operated by Lorena Ballester. You can contact us at admin@moneybehaves.com or through our contact page.

By accessing and using this website, you accept the terms in this Legal Notice. If you do not agree with them, please do not use the website.

Purpose and audience

Money Behaves publishes educational lessons about personal finance, including credit, banking and saving, investing, insurance, loans and debt, and the behavioral side of money decisions. The content is written mainly for readers in the United States and refers to U.S. agencies, rules and sources, such as the Consumer Financial Protection Bureau (CFPB), the FDIC, the SEC’s Investor.gov and the IRS.

Financial products, laws and regulations vary by country, state and provider, so always check the rules and terms that apply to you.

Not financial advice

The information on Money Behaves is provided “as is” for general information and education only. It is not personalized financial, investment, tax, insurance, credit or legal advice, and it does not replace the advice of a qualified professional who knows your full situation.

Using this website does not create an advisory or professional relationship. Money Behaves is not a bank, lender, broker, insurer or financial advisor, and we do not sell financial products.

You are responsible for your own financial decisions. Before you open an account, take out a loan, buy insurance or invest, read the official terms and disclosures from the provider and, when needed, talk to a licensed professional. We review our content and correct errors when we find them, but we cannot guarantee that every lesson is complete, accurate or up to date at all times.

Examples, figures and calculations

Many lessons include examples and calculations to explain how a product works. Unless we say otherwise, these examples are hypothetical and simplified. They do not describe real customers, and they are not a promise of any result.

Interest rates, fees, credit scoring models, eligibility rules and tax rules change over time. Real results depend on your provider, your agreement, timing, fees, taxes, market conditions and your own decisions. Investments can lose value, and past performance does not guarantee future results.

Limitation of liability

To the extent permitted by applicable law, the owner of Money Behaves is not liable for damages arising from errors, omissions or inaccuracies in the content, or for any financial loss or other damage resulting from decisions made on the basis of the information published on this website.

We also cannot guarantee that the website will always be available or free of technical errors, although we work to keep it secure and working properly. Nothing in this notice limits any liability that cannot be excluded by law.

Advertising and independence

Money Behaves is free to read and is supported by advertising, including ads served by Google AdSense. Ads are shown separately from our lessons and do not influence what we write. In addition, we do not choose which individual ads appear, so an ad on this website is not a recommendation of the product or company it shows.

No company pays us to rank, review or recommend its products, and we do not publish sponsored content without clearly labeling it. If we ever include affiliate links, we will disclose them next to the relevant content. Information about the cookies used for advertising is available in our Cookie Policy and Privacy Policy.

External links

Our lessons link to third-party websites, such as U.S. government agencies, regulators and research publishers, to help you find more information and check our sources. We do not control these websites and are not responsible for their content, availability, products, services or privacy practices. A link does not mean that we endorse a website or its owner.

Intellectual property

Unless otherwise stated, all original lessons, text, calculations, tables, graphics and illustrations on this website belong to Money Behaves and are protected by intellectual property and copyright laws. Some images are used under the licenses of their providers, and third-party names and trademarks belong to their respective owners.

You may read, download and print content for your own personal, non-commercial use, and you are welcome to share links to our lessons. Copying, republishing, distributing, scraping or using full lessons or substantial parts of our content for commercial purposes without prior written permission is not allowed.

Use of the website

You agree to use Money Behaves lawfully and in good faith, and not to damage, overload or interfere with the website, try to access restricted areas, or use it to send spam or unlawful content.

We may update, change or remove content, and update this Legal Notice, at any time. The current version will always be available on this page with the date of its last update.

Applicable law

This Legal Notice is governed by the laws that apply to the owner of the website. This does not take away any protection you have under the mandatory consumer laws of the country or state where you live. Before taking any formal action, we will always try to resolve any disagreement amicably.

Contact

If you have any question about this Legal Notice or the website, write to us at admin@moneybehaves.com or use our contact page.