Terms of Use

Draft — review before launch. Have a lawyer review this page, then set legalReviewed: true in src/data/site.ts.

These Terms of Use govern your use of oakandcents.com (the "Site"), operated by [Legal entity or operator name]. By using the Site you agree to these terms. If you do not agree, please do not use it.

Educational information only

Content on the Site is general information about debt and personal finance. It is not financial, legal, tax or credit-counseling advice, and reading it does not create an advisor-client relationship. See the Financial Disclaimer.

Use of the Site

You may read and share links to the Site for personal, non-commercial use. You agree not to misuse the Site, attempt to break or overload it, scrape it at a rate that harms it, or use it for anything unlawful.

Intellectual property

The text, graphics, logos and design on the Site belong to Oak & Cents or its licensors and are protected by copyright and trademark law. You may quote short excerpts with a clear link back to the original page. You may not republish full articles, or copy or resell our images or printables, without written permission. If you believe content on the Site infringes your rights, contact us and we will review it promptly.

Third-party links, ads and affiliates

The Site may link to and display content from third parties, including advertisers and affiliate partners. We do not control or endorse third-party sites and are not responsible for them. See our Affiliate & Advertising Disclosure.

Accuracy and changes

We work to keep information accurate and current, but rates, programs and laws change and we make no promise that the Site is complete or error-free. We may change or remove content, or these terms, at any time.

Disclaimer of warranties

The Site is provided "as is" and "as available" without warranties of any kind, express or implied, to the fullest extent permitted by law.

Limitation of liability

To the fullest extent permitted by law, Oak & Cents and its owner will not be liable for any indirect, incidental, special or consequential damages, or for any loss arising from your use of, or reliance on, the Site. You are responsible for your own financial decisions.

Governing law

These terms are governed by the laws of the United States and the state in which the operator is based [TODO: state], without regard to conflict-of-law rules.

Contact

Questions about these terms? See our Contact page.