Terms Of Use

Welcome to WalletAdvocates.com. This website (the “Website”) is owned and operated by Purpose Driven Solutions, LLC and its affiliates (collectively “WalletAdvocates.com”, “us”, “we” or “our”). These Terms of Use (“Terms”) apply to your access to and use of our website and related services (“Services”). Please read these Terms carefully before using our Services. By using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, do not use our Services.

Use of Our Services

You may use our Services only for lawful purposes and in accordance with these Terms. You agree not to use our Services:

In any way that violates any applicable federal, state, local, or international law or regulation.
To engage in any conduct that restricts or inhibits anyone’s use or enjoyment of our Services, or which, as determined by us, may harm WalletAdvocates.com or users of our Services or expose them to liability.
To engage in any activity that interferes with or disrupts our Services or servers or networks connected to our Services.
To attempt to gain unauthorized access to our Services, other user accounts, or any computer system or network connected to our Services.
To use any robot, spider, or other automatic device, process, or means to access our Services for any purpose, including monitoring or copying any of the material on our Services.
To use any manual process to monitor or copy any of the material on our Services or for any other unauthorized purpose without our prior written consent.

Intellectual Property

Our Services and their entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof), are owned by WalletAdvocates.com, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Services, except as follows:

Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials.
You may store files that are automatically cached by your web browser for display enhancement purposes.
You may print or download one copy of a reasonable number of pages of the Services for your own personal, non-commercial use and not for further reproduction, publication, or distribution.

If we provide desktop, mobile, or other applications for download, you may download a single copy to your computer or mobile device solely for your own personal, non-commercial use, and not for further reproduction, publication, or distribution. If we provide social media features with certain content, you may take such actions as are enabled by such features.

If you print, copy, modify, download, or otherwise use or provide any other person with access to any part of our Services in breach of the Terms, your right to use our Services will stop immediately, and you must, at our option, return or destroy any copies of the materials you have made.

All trademarks, logos, and service marks displayed on our Services are registered and unregistered trademarks of WalletAdvocates.com, our licensors, or our content providers, or other third parties. All other trademarks, trade names, and company names or logos displayed on our Services are the property of their respective owners.

Disclaimer of Warranties

Our Services are provided “as is” and “as available” without any representation or warranty of any kind, whether express, implied, or statutory. We specifically disclaim any implied warranties of title, merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that:

Our Services will meet your requirements or expectations.
Our Services will be uninterrupted, timely, secure, or error-free.
The results that may be obtained from the use of our Services will be accurate or reliable.
The quality of any products, services, information, or other material purchased or obtained by you through our Services will meet your expectations.
Any errors or defects in our Services will be corrected.
Our Services or the server(s) that make them available are free of viruses or other harmful components.

We do not warrant or make any representations regarding the use or the results of the use of our Services in terms of their correctness, accuracy, timeliness, reliability, or otherwise. You assume all risk for any damage to your computer system or loss of data that results from obtaining any material from our Services, including any damages resulting from computer viruses.

Limitation of Liability

In no event will WalletAdvocates.com, its affiliates, or their licensors, service providers, employees, agents, officers, or directors be liable for damages of any kind, under any legal theory, arising out of or in connection with your use, or inability to use, our Services, including any direct, indirect, incidental, consequential, or punitive damages, including but not limited to, personal injury, lost profits, or damages resulting from the use or inability to use any content on our Services or any third-party websites or services linked to our Services.

We Do Not Provide Financial Advices

WalletAdvocates.com provides educational resources and general information related to personal finance and investment topics. However, the information we provide is not intended to be financial advice or to replace professional financial advice.

You are solely responsible for your financial decisions and for evaluating the accuracy, completeness, and usefulness of all information provided on WalletAdvocates.com. You acknowledge that any reliance on any information provided on our website is solely at your own risk.

WalletAdvocates.com does not make any representation or warranty as to the accuracy or completeness of any information provided on our website, including any third-party content, and shall not be responsible or liable for any errors or omissions in that information or for any actions you take in reliance on that information.

You understand that investing involves risk, including the risk of losing money, and that past performance is not indicative of future results. You should consult with a professional financial advisor before making any investment decisions.

In no event shall WalletAdvocates.com, its affiliates, licensors, or service providers be liable for any damages of any kind arising from or related to your use of our website or any information contained on our website, including but not limited to direct, indirect, incidental, punitive, and consequential damages.

By using our website, you acknowledge that you have read and understood this section and agree to assume all responsibility for your financial decisions.

You Acknowledge and Agree that We are Not a Service Provider

We are not a financial institution, insurance provider or other Service Provider. We do not endorse or guarantee any products, services, or information provided by third-party service providers.

WalletAdvocates.com does not assume any responsibility or liability for any products or services purchased or obtained from third-party service providers, or for any damages or losses resulting from your interactions with those providers.

You understand and agree that any reliance on any information provided on our website or any interactions with third-party service providers is solely at your own risk. You are solely responsible for evaluating the accuracy, completeness, and usefulness of all information provided on our website and any products or services obtained from third-party service providers.

In no event shall WalletAdvocates.com, its affiliates, licensors, or service providers be liable for any damages of any kind arising from or related to your use of our website or any interactions with third-party service providers, including but not limited to direct, indirect, incidental, punitive, and consequential damages.

By using our website, you acknowledge that you have read and understood this section and agree to assume all responsibility for your interactions with third-party service providers.

No Guarantee of Quotes, Fees, Terms, Rates, Coverage or Services

Walletadvocates.com provides a platform for users to obtain information about financial products and services, and to connect with third-party providers of such products and services. While we strive to provide accurate information, we do not guarantee the accuracy, completeness, or timeliness of any quotes, fees, terms, rates, coverage, or services provided on the website.

We do not guarantee that you will qualify for any particular product or service, or that you will be offered the lowest rates, fees, or terms for any product or service. The quotes, fees, terms, rates, coverage, and services provided on walletadvocates.com are subject to change at any time without notice.

We are not responsible for any losses or damages that may arise from your reliance on the information provided on walletadvocates.com or any services obtained through the website. You should always independently verify any information before making any financial decisions.

Links to Other Websites

Walletadvocates.com may contain links to third-party websites that are not under our control. We provide these links as a convenience to you, and we do not endorse the content, products, or services provided by any third-party websites.

We do not guarantee that any links provided on walletadvocates.com will be functional or accessible at all times. We reserve the right to remove any links at any time, without notice.

Termination of Website

We reserve the right to terminate or suspend access to walletadvocates.com at any time, without prior notice and for any reason, including but not limited to a breach of these Terms of Use. In the event of such termination or suspension, you will immediately cease accessing or using walletadvocates.com.

We will not be liable to you or any third party for any termination or suspension of walletadvocates.com. Any such termination or suspension will not affect any obligations or liabilities that have accrued up to the date of termination or suspension.

In the event of a termination or suspension, we may, at our sole discretion, delete or remove any User Content or other materials associated with your use of walletadvocates.com.

Indemnification

You agree to defend, indemnify, and hold harmless WalletAdvocates.com, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms or your use of our Services, including, but not limited to, any use of our Services’ content, services, and products other than as expressly authorized in these Terms or your use of any information obtained from our Services.

Governing Law and Jurisdiction

These Terms of Use and any dispute or claim arising out of, or related to, them, their subject matter or their formation (in each case, including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of the state of California, without giving effect to any choice or conflict of law provision or rule. Any legal suit, action, or proceeding arising out of, or related to, these Terms of Use or our Services shall be instituted exclusively in the federal courts of the United States or the courts of the state of California, in each case located in the city of Los Angeles and county of Los Angeles. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.