I know that reading terms and conditions is one of your favorite things to do, but terms have their benefits for both of us. These terms not only protect both of us, but they will let you know what to expect of this site.

These terms are numbered for reference purposes.

Please contact me if you have questions about anything on this website. Thanks for visiting!

1. The Following Terms

By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this web site are protected by applicable copyright and trade mark law.

2. Use License

  1. Permission is granted to temporarily download one copy of the materials (information or software) on KalenBruce.com’s web site for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:
  2. modify or copy the materials;
  3. use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
  4. attempt to decompile or reverse engineer any software contained on KalenBruce.com’s web site;
  5. remove any copyright or other proprietary notations from the materials; or
  6. transfer the materials to another person or “mirror” the materials on any other server.
  7. This license shall automatically terminate if you violate any of these restrictions and may be terminated by KalenBruce.com at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.

3. Disclaimer

KalenBruce.com does not claim to be a counseling service of any kind. I am not certified financial counselors. None of the articles on this website should be taken as professional advice. Any of the offers or promotions are subject to change without notice. Some of the links on this site may be affiliate links, but I only recommend products that I honestly feel will be of value to you. I sincerely want to help and I think I can, but if you have serious concerns, please consult a professional.

4. Commenting Policy

KalenBruce.com reserves the right to approve, disapprove or delete any comment. Comments that are posted as SPAM, which includes, but is not limited to, comments that are posted purely for SEO, linkbacks or keyword optimization.

All comments containing profanity, racism, hateful or demeaning language will not be posted. Unfortunately, comments that are not in English will not be accepted since the audience-base is mostly English-speaking.

Basically, KalenBruce.com only accepts legitimate comments that are constructive to readers.

5. Guest Posting Policy

KalenBruce.com is not accepting guest posts at this time. If you really think you have a valuable story that could be useful to this community, please contact me with the details, and I may make an exception.

6. Product Reviews Policy

KalenBruce.com will write reviews for different products, including, but not limited to: books, web programs and web applications. KalenBruce.com reserves the right to accept or decline an opportunity to review any product. We will make our best effort to submit a thorough review for every product that we are asked to review. Each review is merely the opinion of the reviewer. We only review products that the reviewer has personally used and/or has experience of some sort.

7. Newsletter Policy

You have the option to subscribe to our newsletter. If you choose to subscribe, you will always have the option to unsubscribe at the bottom of every email update I send to you, though I do admit that it may hurt my feelings a little bit. I try my best to make the newsletter valuable to the reader. If you subscribe to the list, you can expect to receive an email when I post a new article, and occasional additional emails, not to exceed one email per week.

I promise to never send spam or sell your email address.

8. Limitations

In no event shall KalenBruce.com or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on KalenBruce.com’s Internet site, even if KalenBruce.com or a KalenBruce.com authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

9. Revisions and Errata

The materials appearing on KalenBruce.com’s web site could include technical, typographical, or photographic errors. KalenBruce.com does not warrant that any of the materials on its web site are accurate, complete, or current. KalenBruce.com may make changes to the materials contained on its web site at any time without notice. KalenBruce.com does not, however, make any commitment to update the materials.

If you notice anything broken, missing or possibly illegitimate, please let me know.

10. Links

KalenBruce.com has not reviewed all of the sites linked to its Internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by KalenBruce.com of the site. Use of any such linked web site is at the user’s own risk.

I do review links before linking to them, but I may miss some links or accidentally post links that aren’t valuable. Just let me know if you see any.

11. Site Terms of Use Modifications

KalenBruce.com may revise these terms of use for its web site at any time without notice. By using this web site you are agreeing to be bound by the then current version of these Terms and Conditions of Use.

12. Governing Law

Any claim relating to KalenBruce.com’s web site shall be governed by the federal laws of the United States of America without regard to its conflict of law provisions.