Terms & Conditions

Welcome to MoneyMemoir.com (“Website”), owned and operated by Sharon R. Terrell (“we,” “us,” or “our”). These Terms and Conditions (“Terms”) govern your access to and use of the Website, including all content, services, and features provided therein. By accessing or using MoneyMemoir.com, you agree to be bound by these Terms. If you do not agree with these Terms, please do not use the Website.

1. Acceptance of Terms

By accessing or using MoneyMemoir.com, you confirm that you are at least 18 years of age and have the legal capacity to enter into this agreement. These Terms may be updated from time to time, and we will notify you of significant changes by posting the revised Terms on the Website. Your continued use of the Website after such updates constitutes acceptance of the revised Terms.

2. Use of the Website

2.1 Permitted Use

You may use MoneyMemoir.com for personal, non-commercial purposes to access financial information, blog posts, and related content. You agree to use the Website in compliance with all applicable laws and regulations.

2.2 Prohibited Conduct

You agree not to:

• Use the Website for any unlawful or unauthorized purpose.
• Copy, reproduce, distribute, or modify any content without prior written consent.
• Attempt to gain unauthorized access to the Website or its servers.
• Post or transmit any harmful, offensive, or misleading content, including spam or unsolicited communications.
• Use automated tools (e.g., bots, scrapers) to access or collect data from the Website without permission.

3. Financial Information Disclaimer

3.1 General Information Only

The content on MoneyMemoir.com, including blog posts, articles, and other materials, is provided for informational and educational purposes only. It does not constitute financial, investment, tax, or legal advice. You should consult with a qualified financial advisor, accountant, or attorney before making any financial decisions.

3.2 No Guarantees

We do not guarantee the accuracy, completeness, or timeliness of the information provided on the Website. Financial markets and regulations change frequently, and you assume all risks associated with using the information provided.

4. Intellectual Property

4.1 Ownership

All content on MoneyMemoir.com, including text, images, logos, and designs, is owned by Sharon R. Terrell or licensed to us and is protected by copyright, trademark, and other intellectual property laws.

4.2 Limited License

You are granted a non-exclusive, non-transferable, revocable license to access and use the Website for personal, non-commercial purposes. You may not reproduce, distribute, or create derivative works from any content without our express written permission.

5. User-Generated Content

5.1 Comments and Submissions

If you submit comments, feedback, or other content to the Website (e.g., through blog comments or contact forms), you grant us a non-exclusive, royalty-free, worldwide license to use, reproduce, modify, and publish such content in connection with the Website.

5.2 Responsibility for Content

You are solely responsible for any content you submit. You agree not to submit content that is unlawful, defamatory, offensive, or infringing on third-party rights. We reserve the right to remove or moderate any user-generated content at our discretion.

6. Third-Party Links and Services

MoneyMemoir.com may contain links to third-party websites, advertisements, or services. We are not responsible for the content, accuracy, or practices of these third parties. Your interactions with third-party websites are at your own risk and subject to their terms and policies.

7. Limitation of Liability

To the fullest extent permitted by law, Sharon R. Terrell and MoneyMemoir.com shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Website or reliance on its content. This includes, but is not limited to, losses related to financial decisions, data loss, or Website downtime.

8. Indemnification

You agree to indemnify and hold harmless Sharon R. Terrell, MoneyMemoir.com, and its affiliates, employees, and agents from any claims, damages, or liabilities arising from your use of the Website, violation of these Terms, or infringement of third-party rights.

9. Termination

We reserve the right to suspend or terminate your access to MoneyMemoir.com at any time, without notice, for any reason, including violation of these Terms. Upon termination, your right to use the Website will cease immediately.

10. Privacy Policy

Your use of MoneyMemoir.com is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. The Privacy Policy is available at [insert link to Privacy Policy]. By using the Website, you consent to the practices described in the Privacy Policy.

11. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Ohio, without regard to its conflict of law principles. Any disputes arising from these Terms or your use of the Website shall be resolved exclusively in the state or federal courts located in Summit County, Ohio.

12. Contact Information

If you have any questions, concerns, or requests regarding these Terms, please contact us at:

Sharon R. Terrell
MoneyMemoir.com
1972 Rivendell Drive
Akron, OH 44307
Email: [email protected]

13. Miscellaneous

13.1 Entire Agreement

These Terms, along with the Privacy Policy, constitute the entire agreement between you and Sharon R. Terrell regarding your use of MoneyMemoir.com.

13.2 Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

13.3 Waiver

Our failure to enforce any right or provision of these Terms does not constitute a waiver of such right or provision.