By reading or using the Money Lounge site, you agree to be held to the terms of use within this full document. The overview sections are just a courtesy. Please click the links below to read the full policy below.

Legal Overview: Money Lounge is designed to provide accurate and authoritative information. However, the information provided in this site is not financial, tax, investment, or legal advice, but general information on issues commonly encountered by young adults. Money Lounge is an educational website. We are not your personal financial advisors. Please consult a financial, tax, and/or legal advisor for specifics to your situation. By reading and/or using this site, you agree that you will hold Money Lounge, its affiliates, and all employees, writers, contributors, board members, volunteers, and consultants harmless. You are the only one who can take responsibility for your finances. Money Lounge is just one tool of many to help you do so. Use of this Web site and its content is subject to agreement with our full Terms of Use and Privacy Policy below.

Privacy Overview: We will not sell, give, share, or otherwise provide others with the private information you provide us unless required by law. If you are using Money Lounge as a supplement to another organization's study, we may provide them with your name and email to verify your participation. Aggregate information may be collected from the site for research purposes but personal data will never be included in these summaries. Any private information you disclose in the forums, groups, or other public areas of the site will be public. Use wisdom in these areas.

Full Terms of Use:

You access and use the Money Lounge website and tools at your sole risk. You expressly agree that you will assume the entire risk as to the quality, and the performance of our services and the accuracy, timeliness, or completeness of the content. Money Lounge is provided to you on an “as is” and “as available” basis. To the fullest extent permissible pursuant to applicable law, Money Lounge disclaims all warranties (whether express or implied) of any kind, including, but not limited to, implied warranties of title, merchantability or fitness for a particular purpose, data accuracy, system integration, and non-infringement.

While Money Lounge will always try to meet your needs and be as comprehensive and accurate as possible, MONEY LOUNGE DOES NOT REPRESENT OR WARRANT THAT THE MONEY LOUNGE SITE OR PROGRAMS WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE. WE DO NOT REPRESENT OR WARRANT THAT THE SERVERS THAT OPERATE MONEY LOUNGE OR TOOLS CONTAINED WITHIN ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE DO NOT REPRESENT OR WARRANT THE DATA, RESULTS AND INFORMATION WITHIN WILL BE CORRECT, ACCURATE, ADEQUATE, UP-TO-DATE, COMPLETE, USEFUL, RELIABLE OR OTHERWISE; WILL MEET YOUR NEEDS, REQUIREMENTS, OR EXPECTATIONS; OR THAT ANY ERRORS WILL BE IMMEDIATELY CORRECTED EVEN IF WE KNOW ABOUT THEM.

UNDER NO CIRCUMSTANCES WILL MONEY LOUNGE, ITS AFFILIATES, ITS EMPLOYEES, WRITERS, CONTRIBUTORS, BOARD MEMBERS, VOLUNTEERS, AND/OR CONSULTANTS BE LIABLE FOR DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR ANY OTHER TYPE OF DAMAGES RESULTING FROM YOUR USE OR DOWNLOADING OF ANY MATERIAL ON OUR SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, ARE NEGLIGENT, OR DUE TO REALITIES BEYOND OUR CONTROL.

You are the only one who can take responsibility for your finances. By your use of the site, you agree that you alone are responsible for your financial decisions. You also agree that Money Lounge, its employees, writers, contributors, board members, volunteers, and/or consultants will not be liable for any financial decisions made or action taken (or not taken) by you and others based on information published on Money Lounge.

We are not your financial advisors and we do not provide personalized advice. We cannot know all the relevant facts about you and your individual needs, and we do not claim or represent that any particular financial vehicles are suitable for you. If you want personal advice, please contact a registered financial advisor. Money Lounge may contain links to other resources on the Internet. These links are provided to help you locate additional Internet resources that may be of interest to you. They are not intended to state or imply that Money Lounge is affiliated or associated with, guarantees, or is legally authorized to use any trade name, registered trademark, logo, legal or official seal, or copyrighted symbol that may be reflected in the links.

Full Privacy Policy:

Money Lounge will never sell, give, or share your personal information with anyone without your personal authorization. The only exception to this will be if we are required by law to comply with a valid law, search warrant, subpoena, or court order. If you are using Money Lounge as a supplement to another organization's study, we may provide them with your name and email to verify your participation.

Any financial transactions will be handled by a secure third-party site. We will not store your credit card information.

All Money Lounge forums, message boards, and groups are interactive. All information shared or discussed in these public areas becomes public information. Please be wise in your sharing of personal information.

Money Lounge will collect information to help us better serve you. We will always collect this information in aggregate form and no personal information will be included. We may examine number of page hits per visit, paths taken to various information, answers to polls, and questions within the site, and other information that will help us gain a better understanding of our audience.