Legal
Effective date: [EFFECTIVE DATE]
These Terms of Use are an agreement between you and [COMPANY LEGAL NAME], a [STATE OF FORMATION] company ("we," "us"), the publisher of Front Porch Money. They cover our website, our emails and anything else we offer under the Front Porch Money name (together, the "Service"). By using the Service, you agree to these terms. If you don't agree, please don't use it.
✓ Front Porch Money is free general education, not personal advice.
✓ Our emails include labeled ads and partner offers. Partners are separate companies with their own terms.
✓ You can unsubscribe at any time.
✓ Please don't copy our work or misuse the site.
You must be at least 18 years old to subscribe. Please give us an email address that belongs to you.
Front Porch Money is free. We plan to send it on Monday, Wednesday and Friday mornings, plus a Saturday Rate Watch. We may also send occasional emails such as welcome emails, alerts and partner offers. We may change what we send or how often, or stop the Service at any time.
You can unsubscribe at any time with the link at the bottom of every email.
Everything we publish is general education. It is not personal financial, investment, tax, legal, insurance or Medicare advice, and it is not a recommendation to buy or sell anything. We are not your adviser, and using the Service doesn't create an adviser, fiduciary or client relationship. Talk to a qualified professional about your own situation. See our Disclosures.
We work to be accurate, but rates, premiums, rules and dates change, and we can make mistakes. Check important details with the official source before you act.
The Service includes ads, sponsored content and partner offers, and we may be paid when you use them. Partners and other websites are run by other companies. Their own terms and privacy policies apply, and we're not responsible for their products, services, content or practices. When you choose a partner's offer, any agreement is between you and that partner.
See our Disclosures for how we choose partners, and our Privacy Policy for how sharing works.
If we offer text alerts, they'll have their own sign-up, and these terms will apply to them:
[SMS TERMS — to be added before text alerts launch: program name, what we send, message frequency, "Message and data rates may apply," STOP to cancel and HELP for help, carriers aren't liable for delayed or undelivered messages, and consent isn't a condition of purchase.]
If you send us a question, comment, survey answer or other content, you let us use, edit and publish it, for example in Ask Front Porch, without paying you. We'll leave your name out unless you tell us we can use it. Please don't send us private details such as account numbers or your Social Security number.
You're responsible for what you send. It must not break the law or anyone's rights.
The newsletter, website, cheat sheets, logos and other materials belong to [COMPANY LEGAL NAME] or our licensors and are protected by copyright and trademark law. You may read them, print them and forward our emails to friends and family for personal, non-commercial use. Please don't republish, sell or copy our content in bulk without our written permission.
Please don't:
break the law using the Service;
sign up other people without their permission;
try to hack, overload or disrupt the Service;
scrape or collect content or email addresses with automated tools; or
pretend to be someone else.
Our Privacy Policy explains what we collect and how we use and share it.
The Service is provided "as is" and "as available." To the fullest extent the law allows, we make no warranties of any kind, express or implied, including warranties of accuracy, merchantability, fitness for a particular purpose and non-infringement. We don't promise the Service will be uninterrupted or error-free.
To the fullest extent the law allows, [COMPANY LEGAL NAME] and its owners, employees and contributors won't be liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of money, profits or data, that comes from your use of the Service or any decision you make based on it. Our total liability for any claim about the Service is limited to $100. Some states don't allow some of these limits, so they may not all apply to you.
If your misuse of the Service or your breach of these terms leads to a claim against us, you agree to cover our reasonable losses and costs, to the extent the law allows.
You can stop using the Service at any time. We may suspend or end your access if you break these terms or if we stop offering the Service.
These terms are governed by the laws of [STATE OF FORMATION], without regard to conflict-of-law rules. Any dispute will be handled in the state or federal courts located in [STATE OF FORMATION], unless the law where you live requires otherwise. Before filing a claim, please contact us at [email protected] so we can try to resolve it informally.
We may update these terms. We'll change the effective date at the top, and if a change is significant, we'll tell you by email or on our website. If you keep using the Service after a change takes effect, you accept the new terms.
These terms, together with our Privacy Policy and Disclosures, are the whole agreement between you and us about the Service. If part of these terms can't be enforced, the rest stays in effect. If we don't enforce a term right away, we can still enforce it later.
[COMPANY LEGAL NAME], [MAILING ADDRESS]. Email: [email protected].
See also our Privacy Policy and Disclosures.