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Disclaimer and Legal Requirements

Hey everyone

Certain products/services and links to products/services are affiliate links, and I may earn a commission for any purchases that you make. Occasionally, I am compensated to give my honest opinion on products and/or services. This will not incur additional cost to you.

I mention these products and services to you because I believe in them and want to help you improve your life. I only recommend products or services that I feel deliver value to you. With full disclosure, of course, Making Sense of Cents is a for-profit business, which means I do earn an income with this website.

To make it easy on the both of us, you should assume that any links leading you to products or services are affiliate links and that I will receive commission from your purchase.

All efforts are made to ensure that affiliate links are disclosed in accordance with the FTC.

Let me know if you have any questions.

Legal Requirements

Privacy Policy

Our website values your privacy and is committed to protecting your personal information. Please review the following Privacy Policy to understand how we collect, use, and safeguard your data.

Privacy Policy

  1. Data Collection:

    • We collect personal information such as name, email address, and phone number when you voluntarily submit it through our contact form.

    • We may also collect non-personal information, such as browser type and IP address, for analytical purposes.

  2. Data Usage:

    • We use the collected information to respond to your inquiries and provide the requested services.

    • We may use non-personal information for analytical and statistical purposes to improve our website and services.

  3. Data Protection:

    • We implement reasonable security measures to protect your personal information from unauthorized access, disclosure, or alteration.

    • However, please note that no method of transmission over the internet or electronic storage is 100% secure.

  4. Third-Party Disclosure:

    • We do not sell, trade, or transfer your personal information to third parties without your consent.

    • However, we may share your information with trusted service providers who assist us in operating our website and conducting business.

  5. Cookies and Tracking:

    • We use cookies and similar tracking technologies to enhance your browsing experience and analyze website traffic.

    • You can manage or disable cookies through your browser settings. However, please note that some features of the website may not function properly without cookies.

  6. Data Subject Rights:

    • You have the right to access, modify, or delete your personal information held by us.

    • If you wish to exercise any of these rights or have questions about our privacy practices, please contact us.

Terms and Conditions

By using this website, you agree to comply with the following Terms and Conditions. Please read them carefully before using our website.

Terms and Conditions

  1. Website Use:

    • The content and materials on this website are provided for general information purposes only. They do not constitute professional advice.

    • Your use of the website is at your own risk. We are not responsible for any consequences arising from your use of the information on this website.

  2. Intellectual Property:

    • All content on this website, including text, graphics, logos, and images, is the property of [Your Website Name] and protected by applicable copyright laws.

    • You may not reproduce, distribute, or modify any part of the website without our prior written permission.

  3. Limitation of Liability:

    • We strive to provide accurate and up-to-date information on this website. However, we make no warranties or representations about the accuracy, reliability, or completeness of the content.

    • We shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your access to or use of this website.

  4. Dispute Resolution:

    • Any disputes arising from your use of this website shall be governed by and construed in accordance with the laws of [Your Jurisdiction].

    • Any legal action or proceeding shall be brought exclusively in the courts of [Your Jurisdiction].

  5. Amendments:

    • We reserve the right to update or modify these Terms and Conditions at any time without prior notice. Your continued use of the website constitutes your acceptance of the revised terms.

Copyright Notice

Unless otherwise stated, all content on this website is protected by copyright © [Current Year]. All rights reserved. Reproduction of any material without written permission is strictly prohibited.


The information provided on this website is for general informational purposes only. It does not constitute professional advice. We strive to keep the information up-to-date and accurate, but we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the website or the information, products, services, or related graphics contained on the website. Your reliance on such information is strictly at your own risk.


We are committed to ensuring that our website is accessible to all users, including those with disabilities. If you encounter any accessibility issues or have suggestions for improvement, please contact us.

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