Effective date: October 20, 2026
These Terms of Use govern your use of plainmoneyadvice.com (the “Site”), operated by Plain Money Advice (“we,” “us,” or “our”). By using the Site you agree to these terms. If you do not agree, please do not use the Site.
1. Educational content only
The Site provides general information, not financial, tax, investment, or legal advice. Please read our Disclaimer, which is part of these terms.
2. Permitted use
You may use the Site for your personal, non-commercial use. You agree not to misuse the Site, interfere with its operation, attempt unauthorized access, scrape or copy it in bulk by automated means, or use it for any unlawful purpose.
3. Intellectual property
The content on the Site, including text, graphics, logos, and design, is owned by us or our licensors and protected by copyright and other laws. You may quote short excerpts with a clear credit and a link back to the original page. You may not republish, sell, or distribute our content without written permission.
4. Comments and messages
If you submit a comment or message, you confirm it is yours to share and does not violate anyone’s rights. You grant us a non-exclusive, royalty-free license to display and use it on the Site. We may remove any comment at our discretion, including spam, abusive, or off-topic content.
5. Third-party links, ads, and affiliates
The Site contains links to and advertising from third parties. We do not control and are not responsible for third-party sites, products, or services. Any dealings you have with them are between you and them.
6. No warranties
The Site and its content are provided “as is” and “as available,” without warranties of any kind, express or implied, including accuracy, completeness, fitness for a particular purpose, or uninterrupted availability.
7. Limitation of liability
To the fullest extent permitted by law, we and our author are not liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of money, profits, or data, arising from your use of the Site or reliance on its content.
8. Indemnification
You agree to defend and hold us harmless from claims, losses, and expenses arising from your violation of these terms or your misuse of the Site.
9. Changes and termination
We may change the Site or these terms at any time. The effective date shows when they were last updated. We may restrict access to the Site for anyone who violates these terms.
10. Governing law
These terms are governed by the laws of the State of Wisconsin, without regard to conflict-of-law rules. Any dispute will be brought in the state or federal courts located in Wisconsin.
11. Contact
Plain Money Advice Email: markcaldwellpma@gmail.com