Terms of Service
Welcome to Let's Talk Money, a personal finance blog operated by Kathryn Brown ("we", "us", or "our"). By accessing or using this website (the “Site”), you agree to be bound by these Terms of Service and our Privacy Policy.
If you do not agree with these terms, please do not use the Site.
1. Acceptance of Terms
These Terms apply to all visitors, users, and others who access or use the Site. By accessing this Site, you confirm that you are at least 13 years old and are legally able to enter into this agreement.
2. Informational Purposes Only – No Financial Advice
All content on this blog is for informational and educational purposes only. It is not intended as financial, investment, legal, or tax advice.
We are not licensed financial advisors, and nothing on this site should be interpreted as professional advice tailored to your situation. Always consult with a qualified financial advisor before making financial decisions.
3. Affiliate Disclosure
This site contains affiliate links. If you click on a link and make a purchase, we may earn a small commission at no extra cost to you. These links help support the blog and keep content free for readers.
We only recommend products or services we believe will add value, but we are not responsible for the accuracy, quality, or reliability of third-party products.
4. Advertising
We may display limited advertisements through third-party networks. Ads are served based on your browsing behavior and preferences. We are not responsible for the content or accuracy of any ads displayed on the Site.
5. Email Subscriptions
If you subscribe to our email list, you agree to receive occasional emails with updates, news, or promotions related to Let's Talk Money. You can unsubscribe at any time via the unsubscribe link in each email.
We will never sell your email address or share it without your consent.
6. User Comments and Conduct
You may post comments on blog articles, provided they are respectful and relevant. You agree not to post content that is:
Offensive, defamatory, or discriminatory
Spam or promotional in nature
Fraudulent, misleading, or harmful
Violates any laws or rights of others
We reserve the right to moderate, edit, or delete any comments at our sole discretion.
7. Intellectual Property
All content on this Site, including text, images, graphics, logos, and design, is the property of Let's Talk Money or its content creators and is protected by copyright laws.
You may not reproduce, distribute, or modify any part of the Site without prior written permission.
8. Third-Party Links
The Site may contain links to third-party websites. These links are provided for convenience only, and we are not responsible for their content, accuracy, or privacy practices. Your use of third-party sites is at your own risk.
9. Disclaimer of Warranties
This Site is provided “as is” without warranties of any kind, either express or implied. We do not guarantee the accuracy, completeness, or reliability of any content.
10. Limitation of Liability
To the fullest extent permitted by law, Let's Talk Money and Kathryn Brown shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your access to or use of the Site.
11. Modifications to Terms
We reserve the right to modify or replace these Terms at any time. Updated versions will be posted on this page with a new effective date. It is your responsibility to review the Terms periodically for changes.
12. Governing Law
These Terms are governed by and construed in accordance with the laws of the State of Oklahoma, United States, without regard to conflict of law principles.