July 2019
These Terms of Use (“Terms of Use”) are a legal contract between you and Thomas J. Anderson, John C Wiley and/or their subsidiaries, affiliates, assigns, licensors, vendors, partners or other respective owners (collectively “MWOB”, "us", "we", or "our") who operate the www.moneywithoutboundaries.com website (hereinafter referred to as the "Service") and govern your use of all the text, data, information, software, graphics, photographs and more that we and our affiliates may make available to you, as well as any services (each, a “Service”) we may provide through any of our websites (all of which are referred to in these Terms of Use as this “Website”). Please read these Terms of Use very carefully.
IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS OF USE, YOU SHOULD NOT ACCESS OR USE THE WEBSITE.
Limit of Liability/Disclaimer of Warranty:
While the publisher and author have used their best efforts in preparing this book and website, they make no representations or warranties with respect to the accuracy or completeness of the contents of this book and specifically disclaim any implied warranties of merchantability or fitness for a particular purpose. No warranty may be created or extended by sales representatives or written sales materials. The advice and strategies contained herein may not be suitable for your situation. You should consult with a professional where appropriate. Neither the publisher nor author shall be liable for any loss of profit or any other commercial damages, including but not limited to special, incidental, consequential, or other damages.
For general information on our other products and services or for technical support, please contact our Customer Care Department within the United States at (800) 762-2974, outside the United States at (317) 572-3993, or fax (317) 572-4002.
Wiley publishes in a variety of print and electronic formats and by print-on-demand. Some material included with standard print versions of this book may not be included in e-books or in print-on-demand. If this book refers to media such as a CD or DVD that is not included in the version you purchased, you may download this material at http://booksupport.wiley.com. For more information about Wiley products, visit www.wiley.com.
DISCLAIMERS
Product name, logo, brands, and other trademarks featured or referred to within this site are the property of their respective trademark holders. Information obtained via this website is for educational and informational purposes only. We do not endorse or recommend, nor do we make any representation or warranty, express or implied, regarding the content on any Third Party Offerings, and we hereby disclaim any liability of any nature whatsoever for, any information or products offered by such Third Party Offerings.
IMPORTANT – NO REPRESENTATIONS OR WARRANTIES
We make no representations or warranties as to the accuracy and timeliness of the material and assume no responsibility for the consequences of its use. Your use of this information and this site is at your own risk. Products and services are provided “as is”. To the maximum extent permitted by applicable law, the service is provided without warranties of any kind, whether express or implied. No communication of any type obtained by you from us will create any warranty not expressly stated herein. Without limiting the foregoing, we do not warrant that the content or links to third party content is accurate, reliable or correct; that the service will meet your requirements; that a user will respond, that any defects or errors will be corrected. You will be solely responsible for any damage or loss that results from your use of the service or products on this site.
In addition to these Terms of Use, you may enter into other agreements with us or others that will govern your use of the Service or related services offered by us or others. If there is any contradiction between these Terms of Use and another agreement you enter into applicable to specific aspects of the Service, the other agreement will take precedence in relation to the specific aspects of the Service to which it applies.
PURPOSE
We do not warrant or make any representations concerning the accuracy, usefulness, likely results of any information on the site or otherwise relating to such materials or on any sites linked to the site or to any related purchases on this site. By using this site, you are bound to the Terms of Use.
CHANGES AND MODIFICATIONS
We reserve the right in our sole discretion for any reason to temporarily or permanently modify or discontinue the Website or any portion of the Website or modify these Terms of Use at any time without notice to you. Changes to these Terms of Use will become effective immediately upon the posting thereof. Please review these Terms of Use from time to time because your continued use of the Website following the posting of changes will constitute your acceptance of the revised Terms of Use.
ELIGIBILITY: USERS & USES
This Website is intended solely for users who are 18 years of age or older. Any registration or use of the Website by anyone under 18 is unauthorized and in violation of these Terms of Use. By using the Website, you represent you are 18 or older and that you agree to abide by all of the terms and conditions of these Terms of Use.
Users may only use the site in a way which complies with local, state, federal, international laws as well as all securities, banking, and any other laws, rules and regulations to which you, your affiliates, employees, agents or others acting on your behalf may be subject in any jurisdiction, by any entity, whatsoever. Neither MWOB nor its affiliates, officers, directors, employees, agents or representatives shall be liable for any ineligible use of the Platform. All access and use of the Website and its contents and your use of the Services is at your own risk.
By using the Website, you represent you agree to abide by all of the terms and conditions of these Terms of Use. If you violate any of these Terms of Use, or violate any other agreement with us, we may terminate your registration and/or prohibit you from using or accessing our Services or the Website.
CHILDREN’S PRIVACY
We do not knowingly solicit from, and the Services are not intended for, children under 18, and children under 18 should not provide personal information online. If a parent or guardian becomes aware that his or her child under the age of 18 has provided us with information without their consent, he or she should contact us. We will delete such information from our files.
THIRD PARTY OFFERINGS
The Website (i) contains (or you may be sent through the Website or the Services) links to other websites (“Third Party Sites”), (ii) contains articles, photographs, text, graphics, pictures, designs, music, sound, video, information, ideas, software and other content belonging to or originating from third parties (“Third Party Content”) and (iii) may provide access to financial products and other services offered by third parties (“Third Party Services” and collectively with Third Party Sites and Third Party Content, “Third Party Offerings”). Such Third Party Offerings are not investigated, monitored or checked for accuracy, appropriateness, or completeness by us, and we are not responsible for any Third Party Offerings accessed through the Website or posted on the Website, including without limitation the content, accuracy, offensiveness, opinions, reliability or policies of or contained in the Third Party Offerings. Inclusion of or linking to any Third Party Offerings does not imply approval or endorsement thereof by us. We do not endorse or recommend, nor do we make any representation or warranty, express or implied, regarding the content on any Third Party Offerings, and we hereby disclaim any liability of any nature whatsoever for, any information or products offered by such Third Party Offerings.
Third Party Offerings may have different terms of use, privacy policies, or security practices and we advise you to review the privacy policies and terms and conditions of these sites prior to providing any personal information. You acknowledge that use of any Third Party Offerings is governed by the terms of use for those websites, and not by these Terms of Use.
USER-POSTED CONTENT
Users may be able to post comments, pictures and other content on the Website (“User-Posted Content”). We are not responsible for the accuracy, offensiveness, opinions or reliability of User-Posted Content and hereby disclaims any liability of any nature with respect to the User-Posted Content. We reserve the right to modify or delete any User-Posted Content in its sole discretion; provided, that we have no obligation to monitor or otherwise exercise editorial control with respect to User-Posted Content and shall have no liability for its failure to do so in any event.
USER ONLINE CONDUCT
You agree to comply with all applicable laws and regulations in your use of the Website. In addition, you agree to the following:
· to use this Website only for its intended purposes.
· to not disrupt this Website.
· to not interfere with or compromise the security of this Website, or any computer, server, account, network, data, software and/or hardware associated with this Website.
· to not disrupt or interfere with any other visitor’s use of this Website.
· to not attempt to obtain access to any portion of this Website, any computer, server, account, network, software and/or hardware associated with the Website, from which you are restricted.
· that you are solely responsible for any actions you undertake while visiting this Website and that you will comply with all applicable local, state, national and international laws and regulations applicable to this Website and the Internet, including United States copyright and export regulations.
· not to impersonate any person, or falsely state or otherwise misrepresent yourself and that all information you provide to gain access to the Services provided by this Website is accurate and truthful.
· to not upload, post or otherwise distribute on this Website any unlawful, threatening, obscene, pornographic, intimidating, libelous, defamatory or slanderous comments, jokes, images or content that are intended to or are likely to offend a reasonable person on the basis of his or her age, physical or mental disability, gender, race, religion, national origin, physical attributes, sexual preference, or any other classification that could produce any civil or criminal liability for either yourself or for MWOB, its affiliates, employees, agents or any such similarly situated persons or entities.
PRIVACY
Your privacy is very important to us. Our Privacy Policy explains how we treat your personal information and protect your privacy when you use our Website. We will not share or sell any of your information with any third party, except as specifically described in these Terms of Use and our Privacy Policy, which is hereby incorporated by reference into these Terms of Use.
CONSENT
Each time you use our Services, you are indicating your acknowledgement and consent to the collection, use and disclosure of information about you collected through our Services as set forth in these Terms of Use, including our Privacy Policy. We may revise these Terms of Use including our Privacy Policy without advance notice to you, but we will let you know of any changes by posting the revised Terms of Use on our Website with a new effective date. If you do not accept the terms outlined in these Terms of Use including our Privacy Policy or a revised Terms of Use, please do not use our Services.
WHAT INFORMATION WE COLLECT
We collect personal information about you that you provide while using our Services, including the registration process and usage of our online platform. For example, we may collect the following personal information:
· your name, email address, mailing address, telephone number(s), account numbers,
· your user name and password
· social security number, driver’s license
· other information provided by you such as your date of birth or household income
· account and transaction information
· unique identifiers for your mobile device, device settings, information about your location and analytical information about how you use your mobile device
INFORMATION WE RECEIVE FROM THIRD PARTIES
We may receive information about you from third parties and Third Party Sites. You should always review and, if necessary, adjust your privacy settings on Third Party Sites and services before linking them to our Website. You may also unlink your third-party account from our Website by adjusting your settings on the Third-Party Site.
HOW WE COLLECT INFORMATION
We collect information about you from:
· your registration
· Third-Party Sites
· your mobile device
· your internet service provider
WHY WE COLLECT INFORMATION
We may use and disclose your personal information that is collected through our Services in accordance with applicable law and the Privacy Policy, where appropriate, which uses may include:
· verifying your identity and authenticating you;
· protecting against fraud or security threats, and otherwise managing risks;
· responding to your requests and communicating with you about the Services;
· communicating with you regarding Services that may be of interest;
· evaluating and improving our Services;
· tailoring our Services and otherwise enhancing the customer experience;
· on an aggregate or anonymous basis use for various business purposes where permitted under applicable law;
· satisfying legal or regulatory requirements or law enforcement requests; and as permitted by applicable law.
WHAT INFORMATION WE MAY SHARE WITH THIRD PARTIES
Where applicable, we will limit sharing of your information in accordance with the choices you have provided us in response to the Privacy Policy. We may use and disclose your personal information that is collected through our Services to run our everyday business and in accordance with applicable law. We do not share, sell, rent or trade your personal information with any third party other than as described in these Terms of Use including the Privacy Policy. We may share your information with law enforcement, government officials, or other third parties as required by law and when we believe that such disclosure is necessary to protect our rights and/or comply with a judicial proceeding, court order, regulatory request or other legal process.
YOUR ACCOUNT
You may be required to register and create an account to access certain parts of the Website and use the Services. When you create an account, you will be required to pick a user name and a password. You may not disclose your user name or password to any third party. If you learn of any unauthorized use of your password or account, please contact us immediately.
REGISTRATION DATA; ACCOUNT SECURITY
You agree to (i) maintain the security of your user name and password, (ii) maintain and promptly update any information you provide to us and to keep it accurate, current and complete, and (iii) be fully responsible for all use of your account and for any actions that take place using your account. If any information you provide is untrue, inaccurate, not current, or incomplete, we have the right to terminate all future use of the Website. You agree to promptly notify us regarding any material changes to information or circumstances that could affect your eligibility to continue to use the Website and be fully responsible for all use of your account and for any actions that take place using your account.
RESTRICTIONS ON USE
You agree to abide by all applicable laws and regulations in your use of the Website and the Services. You agree that you will not use any device, software or routine to interfere or attempt to interfere with the proper working of the Website or any transaction being conducted on our Website. You agree that you will not register for an account on behalf of an individual other than yourself or impersonate any other person or entity, or falsely state or otherwise misrepresent your identity, age, or your affiliation with any person or entity. You further agree that you will not use or attempt to use another individual’s account without our authorization.
PROPRIETARY RIGHTS; COPYRIGHTS
All software, design, text, information, data, databases, images, photographs, illustrations, audio clips, video clips, artwork, graphic material, or other copyrightable elements on the Website (collectively, “Content”) are the property of Thomas J. Anderson, John C Wiley and/or its subsidiaries, affiliates, assigns, licensors, vendors, partners or other respective owners and are protected, without limitation, pursuant to U.S. and foreign copyright laws. Except as otherwise expressly stated herein, no Content may be reproduced, modified, used to create derivative works, displayed, performed, published, distributed, disseminated, broadcast or circulated to any third party without our express prior written consent. Nothing in these Terms of Use shall be construed as conferring any license to intellectual property rights, whether by estoppel, implication or otherwise.
BOOK RELATED COPYRIGHT INFORMATION
Copyright © 2019 by Thomas J. Anderson/John Wiley & Sons, Inc. All rights reserved.
Published by John Wiley & Sons, Inc., Hoboken, New Jersey.
Published simultaneously in Canada.
No part of Money Without Boundaries may be reproduced, stored in a retrieval system, or transmitted in any form or by any means, electronic, mechanical, photocopying, recording, scanning, or otherwise, except as permitted under Section 107 or 108 of the 1976 United States Copyright Act, without either the prior written permission of the Publisher, or authorization through payment of the appropriate per-copy fee to the Copyright Clearance Center, Inc., 222 Rosewood Drive, Danvers, MA 01923, (978) 750-8400, fax (978) 646-8600, or on the Web at www.copyright.com/. Requests to the Publisher for permission should be addressed to the Permissions Department, John Wiley & Sons, Inc., 111 River Street, Hoboken, NJ 07030, (201) 748-6011, fax (201) 748-6008, or online at http://www.wiley.com/go/permissions.
Library of Congress Cataloging-in-Publication Data:
ISBN 9781119564065 (Hardcover)
ISBN 9781119564041 (ePDF)
ISBN 9781119564058 (ePub)
TRADEMARKS
In addition to our trademarks or service marks, other company, product, and service names and logos used and displayed on this Website may be trademarks or service marks owned by us or others. You may not use, copy, display, distribute, modify or reproduce any of the trademarks found on the Website unless in accordance with written authorization by us. The use of any Trademarks as part of a link to or from any site is prohibited unless we provide advance written approval. Any questions concerning any Trademarks, or whether any mark or logo is a Trademark, should be referred to us.
NO WARRANTIES; DISCLAIMERS
THIS WEBSITE, OUR SERVICES AND ALL OF THE CONTENT IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT ANY WARRANTY, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES (I) AS TO TITLE, MERCHANTABILITY, FITNESS FOR ORDINARY PURPOSES, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, SYSTEM INTEGRATION, AND WORKMANLIKE EFFORT; (II) THE QUALITY, ACCURACY, TIMELINESS OR COMPLETENESS OF THE WEBSITE OR SERVICES OR ANY ASPECT THEREOF; (III) THOSE ARISING THROUGH COURSE OF DEALING, COURSE OF PERFORMANCE OR USAGE OF TRADE; (IV) THE WEBSITE OR SERVICES CONFORMING TO ANY FUNCTION, DEMONSTRATION OR PROMISE BY US; AND (V) THAT ACCESS TO OR USE OF THE WEBSITE AND/OR SERVICE WILL BE UNINTERRUPTED, ERROR-FREE OR COMPLETELY SECURE. WE DO NOT WARRANT THAT THE WEBSITE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THIS DOES NOT AFFECT THOSE WARRANTIES WHICH ARE INCAPABLE OF EXCLUSION, RESTRICTION OR MODIFICATION UNDER THE LAWS APPLICABLE TO THESE TERMS OF USE.
LIMITATION ON LIABILITY
You agree that all access and use of the Website and its contents and your use of the Services is at your own risk. Neither MWOB, nor any third party involved in creating, producing or delivering the Website and/or Services, has or will have any responsibility for any consequences relating, directly or indirectly, to any action or inaction that you may take based on the Website and/or Services, or any aspect thereof.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, NEITHER WE NOR OUR AFFILIATES NOR OUR OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, REPRESENTATIVES, NOR ANY THIRD-PARTY PROVIDERS TO THE SITE, ARE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OR OTHER INJURY ARISING OUT OF OR IN ANY WAY CONNECTED WITH USE OF THE WEBSITE, OR WITH ANY DELAY OR INABILITY TO USE THE WEBSITE, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES OBTAINED THROUGH THE WEBSITE, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOR, FEDERAL OR STATE SECURITIES LAWS, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE. NO ACTION ARISING OUT OF OR PERTAINING TO THESE TERMS OF USE MAY BE BROUGHT MORE THAN ONE (1) YEAR AFTER THE CAUSE OF ACTION HAS ARISEN.
INDEMNIFICATION
You agree to indemnify, defend, and hold harmless MWOB, its partners, officers, employees, agents, representatives, suppliers and content and service providers from and against all losses, expenses, damages and costs, including reasonable attorneys’ fees, resulting from any violation of these Terms of Use or any activity, including negligent or wrongful conduct, by you in connection with your use of this Website or the Services. You will cooperate as fully as reasonably required in the defense of any such claim or demand. We and any third party involved in creating, producing or delivering the Website/Services reserves the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, at your expense, and you will not in any event settle any such matter without our prior written consent and any such third party.
INVESTMENT/SECURITIES DISCLOSURE
This Website is for informational purposes only and does not constitute an offer to sell or the solicitation of an offer to purchase any security, loan, or investment or banking product or services in any jurisdiction. The content of this Website is provided solely for your personal use and shall not be deemed to provide access to any particular transaction or investment opportunity. MWOB does not intend the information on this Website to be investment advice, and the information presented on this website should not be relied upon to make an investment decision.
HOW WE COLLECT YOUR INFORMATION AND USE COOKIES
We, or our service providers, and other companies we work with may deploy and use cookies, web beacons, local shared objects and other tracking technologies for various purposes, such as fraud prevention and monitoring our advertising and marketing campaign performance. Some of these tracking tools may detect characteristics or settings of the specific device you use to access our online Services.
To help provide our Services, enhance your experience and collect information about mobile activity, we may place small data files on your computer or mobile device. These data files may be in the form of cookies, pixel tags, local shared objects or other similar technologies. Cookies and similar technologies enable us to personalize our application and Services for you. These technologies may allow us to store and manage your preferences and settings, measure and analyze how you use our Website and the effectiveness of our communications, offer services and help us improve our services and security.
“Cookies” are small amounts of data a website can send to a visitor’s web browser. They are often stored on the device you are using to help track your areas of interest. Cookies may also enable us or our service providers and other companies we work with to relate your use of our online Services over time to customize your experience. Most web browsers allow you to adjust your browser settings to decline or delete cookies, but doing so may degrade your experience with our online Services.
Clear GIFs, pixel tags or web beacons—which are typically one-pixel, transparent images located on a webpage or in an email or other message—or similar technologies may be used on our Website and in some of our digital communications (such as email or other marketing messages). They may also be used when you are served advertisements or you otherwise interact with advertisements outside of our online Services. These are principally used to help recognize users, assess traffic patterns and measure Website or campaign engagement.
Local shared objects, sometimes referred to as “flash cookies,” may be stored on your hard drive using a media player or other software installed on your device. Local shared objects are similar to cookies in terms of their operation but may not be managed in your browser in the same way. For more information on managing local shared objects, click here: https://helpx.adobe.com/flash-player/kb/disable-local-shared-objects-flash.html.
Most browsers provide you with the ability to block, delete or disable these technologies. If you choose to reject cookies or similar technologies, some Services may not be available or some functionality may be limited or unavailable. Please review your mobile device help pages for assistance with changing your settings.
Your IP Address is a number that is automatically assigned to the device that you are using by your Internet Service Provider (ISP). An IP Address is identified and logged automatically in our server log files whenever you visit our Website, along with the time of the visit and the page(s) that were visited. We use IP Addresses for purposes such as calculating Website usage levels, helping diagnose server problems, to personalize/tailor your experience while engaging with us online and offline, for compliance and security purposes, for advertising, and administering the Website.
COPYRIGHT COMPLAINTS
If you believe that any material on the Website infringes upon any copyright that you own or control, you may contact us. In your notification, please:
confirm you are the owner, or authorized to act on behalf of the owner, of the copyrighted work that has been infringed;
· identify the copyrighted work or works you claim have been infringed;
· identify the material that you claim is infringing or is the subject of infringing activity and that is to be removed (please include information reasonably sufficient to permit us to locate the material);
· provide your contact details, including an email address; and
· provide a statement that the information you have provided is accurate and that you have a good-faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent or the law.
“DO NOT TRACK” SIGNALS
We do not respond to “do not track” signals from your browser at this time. To learn more about how “do not track” works, please visit http://allaboutdnt.com/.
SECURITY SAFEGUARDS
We use security controls to protect against unauthorized use, access, modification, destruction, disclosure, loss or theft of your personal information in our custody or control. Please note, the information you send electronically may not be secure when transmitted to us. We recommend that you use only secure channels to transmit sensitive or confidential information to us.
SUBMISSIONS
You acknowledge and agree that any reviews, questions, comments, suggestions, ideas, feedback or other information about the Website (“Submissions”), provided by you in any format, via the Service or otherwise, are non-confidential and shall become our sole property. We shall own exclusive rights, including all intellectual property rights, and shall be entitled to the unrestricted use and dissemination of these Submissions for any purpose, commercial or otherwise, without acknowledgment or compensation to you.
HOW YOU CAN CONTACT US
If you have questions or concerns regarding this Terms of Use, please contact us via the Contact Us section of the Service.
© 2019 Thomas J. Anderson. All rights reserved. Reproduction and distribution of material contained within this Website is prohibited unless prior, written permission has been obtained.
