This  Agreement contains the complete terms and conditions that apply to your  participation in our site. Please read these terms of use carefully  before using the site or its services. By accessing this site or using  any part of the site or any content or services hereof, you agree to  become bound by these terms and conditions. If you do not agree to all  the terms and conditions, then you may not access the site or use the  content or any services on the site. Amendments to this agreement can be  made and effected by us from time to time without specific notice to  your end. Agreement posted on the site reflects the latest agreement and  you should carefully review the same before you use our site.


This  site allows you to join the blog, express your thoughts, comment, and  discuss. You understand and agree that you will use this site including  its tools and services with full sense of responsibility and in a manner  that is consistent with these Terms and in such a way as to ensure  compliance with all applicable laws and regulations. You agree that you  will use the service in compliance with all applicable local, state,  national, and international laws, rules and regulations, including any  laws regarding the transmission of technical data exported from your  country of residence and all United States export control laws.

However,  you are prohibited to do the following acts: (a) use our Sites,  including its services and or tools if you are not able to form legally  binding contracts, are under the age of 18, or are temporarily or  indefinitely suspended from using our sites, services, or tools (b)  posting of any blogs, items, messages, and or contents that are  inappropriate and fails to observe decency; (c) collecting information  about users’ personal information; (d) post false, inaccurate,  misleading, defamatory, or libelous content; (e) take any action that  may damage the rating system.


You  agree and understand that you will not reproduce, duplicate, copy,  sell, trade, resell or exploit for any commercial purposes any portion  of the site including its tools, programs and services.


As  a condition in using the site including its tools and services, you are  required to register with site and select a password and user name. You  must complete the full registration process and shall provide the site  with accurate, complete, and updated registration information. Failure  to do so shall constitute a breach of the Terms of Use, which may result  in immediate termination of your account. You must qualify that you are  18 years or older and must be responsible for keeping your password  secure and be responsible for all activities and contents that are  uploaded under your account. You must not transmit any worms or viruses  or any code of a destructive nature. Any information provided by you or  gathered by the site or third parties during any visit to the site shall  be subject to the terms of MoneyWorks Financial Coaching LLC’s Privacy  Policy.


You  represent and warrant that (a) all of the information provided by you  to our website to participate in the site or services is correct and  current; and (b) you have all necessary right, power and authority to  enter into this Agreement and to perform the acts required of you  hereunder.

You hereby accept and agree that  it is beyond our control, and no duty to take any action regarding:  which users gain access to the site or use the services; what effects  the Content may have on you; how you may interpret or use the Content;  or what actions you may take as a result of having been exposed to the  Content. You release us from all liability for you having acquired or  not acquired Content through the site or the services.

It  should be noted that the site or services may contain, or direct you to  sites containing, information that some people may find offensive or  inappropriate. We make no representations concerning any content  contained in or accessed through the site or services, and we will not  be responsible or liable for the accuracy, copyright compliance,  legality or decency of material contained in or accessed through the  site or the services. THE SERVICES, CONTENT, AND SITE ARE PROVIDED ON AN  “AS IS” BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR  IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF  MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. 

In  addition, we make no representation that the operation of our site will  be uninterrupted or error-free, and we will not be liable for the  consequences of any interruptions or errors. We may change, restrict  access to, suspend or discontinue the site or any part of it at any  time. The information, content and services on the site are provided on  an “as is” basis. When you use the site and or participate herein, you  understand and agree that you participate at your own risk.


The  Web allows people throughout the world to share valuable information,  ideas and creative works. To ensure continued open access to such  materials, we all need to protect the rights of those who share their  creations with us. Although we make the site freely accessible, we don’t  intend to give up our rights, or anyone else’s rights, to the materials  appearing on them. The materials available on the site shall remain the  property of MoneyWorks Financial Coaching LLC and/or its licensors, and  are protected by copyright, trademark and other intellectual property  laws. You acquire no proprietary interest in any such rights.  Furthermore, you may not remove or obscure the copyright notice or any  other notices contained in the site or anything retrieved or downloaded  from them.

You hereby acknowledge that all  rights, titles and interests, including but not limited to rights  covered by the Intellectual Property Rights, in and to the site, and  that You will not acquire any right, title, or interest in or to the  site except as expressly set forth in this Agreement. You will not  modify, adapt, translate, prepare derivative works from, decompile,  reverse engineer, disassemble or otherwise attempt to derive source code  from any of our services, software, or documentation, or create or  attempt to create a substitute or similar service or product through use  of or access to the Program or proprietary information related thereto.


You  agree not to disclose information you obtain from us and or from our  clients, advertisers, suppliers and forum members. All information  submitted by an end-user customer pursuant to a service is proprietary  information of MoneyWorks Financial Coaching LLC. Such customer  information is confidential and may not be disclosed. Publisher agrees  not to reproduce, disseminate, sell, distribute or commercially exploit  any such proprietary information in any manner.


Your  rights of whatever nature cannot be assigned nor transferred to  anybody, and any such attempt may result in termination of this  Agreement, without liability to us. However, we may assign this  Agreement to any person at any time without notice.


Failure  of MoneyWorks Financial Coaching LLC to insist upon strict performance  of any of the terms, conditions and covenants hereof shall not be deemed  a relinquishment or waiver of any rights or remedy that we may have,  nor shall it be construed as a waiver of any subsequent breach of the  terms, conditions or covenants hereof, which terms, conditions and  covenants shall continue to be in full force and effect. No waiver by  either party of any breach of any provision hereof shall be deemed a  waiver of any subsequent or prior breach of the same or any other  provision.

In the event that any provision of  these Terms and Conditions is found invalid or unenforceable pursuant  to any judicial decree or decision, such provision shall be deemed to  apply only to the maximum extent permitted by law, and the remainder of  these Terms and Conditions shall remain valid and enforceable according  to its terms.


The  Agreement describes and encompasses the entire agreement between us and  you, and supersedes all prior or contemporaneous agreements,  representations, warranties and understandings with respect to the  subject matter of this Agreement.


Any  dispute, controversy or difference which may arise between the parties  out of, in relation to or in connection with this Agreement is hereby  irrevocably submitted to the exclusive jurisdiction of the courts of the  State of New Jersey, to the exclusion of any other courts without  giving effect to its conflict of law provisions or your actual state or  country of residence.

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