These Terms govern your use of usa-money.com. By visiting or using the site, you agree to them. They're written in plain English wherever possible — but they are still a legal agreement, so please read them.
01Who We Are
USA Money ("we," "us," or "our") publishes independent reporting and explainers on personal finance, consumer issues, and public policy at usa-money.com (the "Site").
02Acceptance of Terms
By accessing or using the Site, you confirm that you've read, understood, and agree to be bound by these Terms and our Privacy Policy. If you don't agree, please don't use the Site.
03Not Professional Advice
We work to make our reporting accurate and timely, but laws, programs, rates, and rules change. We do not guarantee that any information on the Site is complete, current, or applicable to your specific circumstances. Reliance on anything you read here is at your own risk.
04Use of the Site
You agree to use the Site lawfully and respectfully. You will not:
- Use the Site for any illegal purpose or in violation of any laws;
- Attempt to gain unauthorized access to any portion of the Site, servers, or related systems;
- Interfere with the Site's operation or security, including by transmitting viruses or malicious code;
- Scrape, copy, or republish substantial portions of our content without permission;
- Use automated tools to collect data from the Site beyond standard search engine indexing;
- Impersonate any person or misrepresent your affiliation with any person or entity.
05Intellectual Property
All content on the Site — including articles, graphics, logos, design, and code — is owned by USA Money or its licensors and protected by copyright and other laws. You may share short excerpts with proper attribution and a link back to the original article. Beyond that, please ask before reusing our content.
06User Submissions
If you send us feedback, tips, suggestions, or other materials, you grant us a non-exclusive, royalty-free, worldwide license to use them for editorial and operational purposes. You're responsible for what you send and confirm you have the right to share it.
We're not obligated to respond to, publish, or act on any submission.
07Third-Party Links & Content
The Site may link to third-party sites or include references to third-party products and services. We don't control those sites and aren't responsible for their content, privacy practices, or accuracy. Mentioning something is not an endorsement.
08Disclaimer of Warranties
The Site is provided "as is" and "as available," without warranties of any kind, express or implied. We don't warrant that the Site will be uninterrupted, error-free, secure, or free of viruses, or that any information on it is accurate, complete, or up to date.
09Limitation of Liability
To the fullest extent permitted by law, USA Money and its operators, contributors, and affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages — including lost profits, lost data, or financial losses — arising from your use of the Site or reliance on its content, even if we've been advised of the possibility of such damages.
Where liability cannot be excluded entirely, our total liability will not exceed one hundred U.S. dollars (US$100).
10Indemnification
You agree to indemnify and hold harmless USA Money and its operators, contributors, and affiliates from any claims, damages, or expenses arising from your use of the Site, your violation of these Terms, or your violation of any rights of another party.
11Changes to the Site & Terms
We may modify, suspend, or discontinue any part of the Site at any time, and we may update these Terms from time to time. When we make material changes, we'll update the "Last updated" date above. Continued use of the Site after changes means you accept the updated Terms.
12Termination
We may suspend or end your access to the Site at our discretion, particularly if you violate these Terms. Sections of these Terms that by their nature should survive — including intellectual property, disclaimers, and limitation of liability — will continue to apply after termination.
13Governing Law
These Terms are governed by the laws of the United States and the state in which USA Money is operated, without regard to conflict-of-laws principles. Any disputes will be resolved in the courts located within that jurisdiction, unless otherwise required by applicable law.
14Severability
If any provision of these Terms is found to be unenforceable, the rest of the Terms will remain in effect.
15Contact
Questions about these Terms? Email support@usa-money.com.