Clear terms for using this website.

Acceptance of these Terms

By accessing or using financemythbusters.com, you agree to these Terms of Use and the policies incorporated by reference. If you do not agree, do not use the website.

“FMB,” “we,” “us,” and “our” refer to FinanceMythBusters. “You” refers to the person accessing or using the website.

Educational scope of the website

FMB provides general financial education, commentary, research, calculators, frameworks, examples, and other informational resources. Content is not designed to account for every fact that may be relevant to an individual decision.

You remain responsible for evaluating information and obtaining qualified professional advice when appropriate. The FMB Disclaimer is incorporated into these Terms.

No professional or fiduciary relationship

Use of FMB, including reading content, using a calculator, subscribing to email, submitting a website form, or communicating through general website channels, does not create a CPA-client, accountant-client, investment-adviser, attorney-client, fiduciary, agency, or other professional relationship.

If FMB or an affiliated operator later offers a separate professional service, that service would require its own written terms or engagement agreement.

Intellectual property and ownership

Unless otherwise stated, FMB owns or licenses the website design, branding, original articles, graphics, calculator interfaces, compilations, downloads, and other original materials made available through the site.

Third-party names, trademarks, data, quotations, and materials remain the property of their respective owners and are used only as permitted by law or license.

Permitted personal use

You may access the site and use FMB content for personal, noncommercial learning, reference, and decision-support purposes. You may link to public FMB pages and share brief excerpts with appropriate attribution where permitted by law.

No ownership rights are transferred to you by accessing the site or downloading a resource.

Prohibited conduct

You may not use the site in a way that violates law, infringes rights, disrupts operation, bypasses security, introduces malicious code, impersonates another person, harvests personal information, or attempts unauthorized access.

Without written permission, you may not republish substantial portions of FMB content, reproduce paid or gated materials, remove attribution or proprietary notices, sell FMB materials, or systematically scrape the website for commercial reuse, dataset creation, model training, or redistribution.

User submissions, comments, and communications

If you submit a comment, feedback, suggestion, correction, inquiry, or other material, you represent that you have the right to submit it and that it does not violate law or another person’s rights.

FMB may moderate, remove, decline to publish, or retain submissions as reasonably necessary to operate the site. Public comments are not confidential. Do not submit sensitive or proprietary information through public comment fields.

Calculators, tools, and downloadable resources

FMB calculators, assessments, worksheets, checklists, and examples are educational tools. Results depend on inputs, assumptions, formulas, data, and rules that may change or may not capture your circumstances.

You should review the assumptions and limitations presented with a tool and independently verify information before taking action. FMB does not guarantee the accuracy, suitability, or outcome of any calculator result.

Third-party links, products, affiliates, and sponsored content

FMB may link to third-party websites, products, services, research, or tools. FMB may also receive compensation through affiliate relationships, sponsorships, or other disclosed partnerships.

Third parties operate under their own terms, pricing, privacy practices, eligibility rules, and service standards. FMB does not control and is not responsible for third-party websites or services. Commercial relationships do not override the editorial standards described on FMB.

Disclaimer of warranties

To the maximum extent permitted by law, the site and its content are provided on an “as is” and “as available” basis without warranties of any kind, express or implied.

FMB does not warrant that the site will always be available, error-free, secure, current, complete, or suitable for a particular purpose, or that any result, projection, comparison, or third-party service will meet your expectations.

Limitation of liability

To the maximum extent permitted by applicable law, FMB and its owners, contributors, contractors, service providers, and affiliates will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from or related to your use of, inability to use, or reliance on the site or third-party services.

Nothing in these Terms excludes liability that cannot lawfully be excluded or limited.

Indemnification

To the extent permitted by law, you agree to indemnify and hold harmless FMB and its owners, contributors, contractors, and service providers from claims, liabilities, losses, and reasonable costs arising from your unlawful use of the site, violation of these Terms, or infringement of another person’s rights.

Site availability, changes, and termination

FMB may modify, update, suspend, remove, or discontinue site features, content, tools, or access at any time. Articles may be corrected, updated, consolidated, redirected, or retired as evidence and rules change.

FMB may restrict access or take reasonable technical or legal action when use of the site violates these Terms, threatens security, or interferes with other users or site operation.

Governing law

To the extent permitted by law, these Terms are governed by the laws of the State of California, United States, without regard to conflict-of-law principles.

Mandatory consumer-protection rights or other laws that cannot be waived remain unaffected.

Changes, severability, and entire agreement

FMB may update these Terms to reflect changes in the site, services, business practices, or law. The “Last updated” date identifies the latest revision. Continued use after an update constitutes acceptance of the revised Terms to the extent permitted by law.

If a provision is found unenforceable, the remaining provisions remain in effect. These Terms, together with policies expressly incorporated by reference, form the agreement governing general use of the website unless a separate written agreement applies to a specific service.

Contact

Questions about these Terms may be sent to FinanceMythBusters at hello@financemythbusters.com or through the Contact page.