Welcome to specialneedfinances.com, a product and service of FZ Holdings, LLC. FZ Holdings, LLC offers specialneedfinances.com for use in accordance with these Terms and Conditions of Use (“Terms of Use” and or “Agreement”). PLEASE READ THIS DOCUMENT CAREFULLY.

FZ Holdings, LLC (“we”, “us” or “our”) provides a collection of online resources including blogs, content, resources, and other publications on or through www.specialneedfinances.com and its associated mobile application (referred to hereafter as (“the Service(s)”) subject to the following Terms of Use (“TOU”). By using the Service in any way, you are agreeing to comply with the TOU.  These TOU create a binding and legally enforceable contract between FZ Holdings, LLC and you. 

In addition, when using certain services, you agree to abide by any applicable posted guidelines for all relevant services, which may change from time to time. Should you object to any term or condition of the TOU, any guidelines, or any subsequent modifications thereto or become dissatisfied with the Service in any way, your only recourse is to immediately discontinue use of the Service.

You understand and agree that sending unsolicited email advertisements to specialneedfinances.com email addresses or through the Service is expressly prohibited by these TOU. Any unauthorized use of the Service is a violation of the TOU and certain federal and state laws, including without limitation the Computer Fraud and Abuse Act (18 U.S.C. § 1030 et seq.). Such violations may subject the sender and his or her agents to civil and criminal penalties.

These rules and guidelines are intended to protect you and to ensure that specialneedfinances.com is safe and productive for everybody. By agreeing to these terms, you’re taking responsibility for your own actions. If you do not agree with these Terms of Use, your use of and access to this site is unauthorized. Specialneedfinances.com reserves the right to terminate your access to this service without notice if we learn that you have violated these Terms of Use.

If you are using the Services on behalf of an organization, you are agreeing to these TOU on your own behalf and on behalf of that organization and promising to FZ Holdings, LLC that you have the authority to bind that organization to these TOU (in which case, “you” and “your” will refer to you individually and that organization) unless that organization has a separate paid contract in effect with us, in which event the terms of that contract will govern your use of the Service. You may use the Services only in compliance with these TOU and only if you have the power to form a contract with Financial Advisors and are not barred under any applicable laws from doing so. IF YOU DO NOT AGREE TO BE BOUND BY THESE TERMS, YOU MUST NOT USE THE SERVICES.

Please note that FZ Holdings, LLC does not provide warranties for the Services. These TOU also limit our liability to you.

MODIFICATIONS TO THIS AGREEMENT

We reserve the right, at our sole discretion, to change, modify or otherwise alter these terms and conditions at any time. Such modifications shall become effective immediately upon the posting thereof. It is recommended that you review this agreement on a regular basis to keep yourself apprised of any changes. Your continued use of this site shall conclusively be deemed to constitute your acceptance of the modified Terms of Use.

Privacy Policy

Our policy with respect to the collection and use of personal information is set forth in our Privacy Policy. 

Copyright Policy

The content available through specialneedfinances.com is the property of specialneedfinances.com and is protected by copyright and other intellectual property laws. Content includes without limitation, text, graphics, images, animations, computer programs, data, designs, logos, button icons, stories, tools, calculators, and the arrangement, collection and assembly of the same. You acknowledge that specialneedfinances.com permits access to content that is protected by copyrights, trademarks, service marks, and other intellectual property rights and that these rights are valid and protected in all media and technologies existing now or later developed. Except as explicitly provided elsewhere in this agreement, the Terms of Use and applicable copyright, trademark and other laws govern your use of this content.

Content received through specialneedfinances.com may be displayed, reformatted, and printed for your personal, non-commercial use only. You agree not to reproduce, retransmit, distribute, disseminate, sell, publish, broadcast, or circulate the content received through specialneedfinances.com to anyone, including but not limited to others in the same organization or company, without the express prior written consent of specialneedfinances.com, with this one exception: You may, on an occasional and irregular basis, disseminate an insubstantial portion of the content from specialneedfinances.com, for a noncommercial purpose, without charge, and transmitted in non-electronic form, to a limited number of individuals, provided you include all copyright and other proprietary rights notices with such portion of the content in the same form in which the notices appear in specialneedfinances.com and original source attribution link to or the exact URL of the source page.

You may not post to specialneedfinances.com, copy, reproduce, retransmit, distribute, publish, commercially exploit or otherwise transfer any material subject to any rights owned by persons or entities other than yourself. The burden of determining that any information, software, images or any other content on specialneedfinances.com is not protected by rights rests with you. You acknowledge that specialneedfinances.com may acquire the rights to use any posted materials as described in “Submissions and Postings”, and that you will not acquire any of those rights by downloading such materials.

You may not post any content from specialneedfinances.com to newsgroups, mail lists, blogs, or electronic bulletin boards, without the prior written consent of specialneedfinances.com. specialneedfinances.com includes facts, views, opinions and recommendations about subjects, individuals and organizations deemed of interest. Specialneedfinances.com does not guarantee the accuracy, completeness or timeliness of these views, opinions or recommendations, give tax or investment advice, or advocate the purchase or sale of any security or investment.

This website and its contents are © copyright 2021-2023 by FZ Holdings, LLC and doing business as (DBA) specialneedfinances.com. Except as explicitly provided elsewhere in this agreement all applicable copyright, trademark and other laws govern your use of this content.

Brief quotations of this web site’s contents are encouraged as long as they include attribution and a direct link to this site (https://specialneedfinances.com)  or the exact URL of the source page (preferred). All other rights are reserved worldwide. “Brief quotation” is defined as one or a few sentences and may not exceed two paragraphs in length. (If you need full articles with full rights please see our “Free Reprint Policy” below.)

Extensive or regular use of content from this web site even if attributed is a violation of copyright law. Brief quotations that are unattributed are also a violation of copyright law.

Except as explicitly provided elsewhere in this agreement you may not post any content from specialneedfinances.com to newsgroups, mail lists, blogs, electronic magazines, web sites, electronic bulletin boards or other electronic or print media without the prior written consent of finaicial-zen.com.

If you seek complete articles or more extensive content use please see our “Free Reprint Policy” below.

We actively seek out and enforce copyright violation so please don’t do it.

DMCA Notification Policy

Specialneedfinances.com will respond to allegations of copyright violations in accordance with the Digital Millennium Copyright Act (DMCA).

As part of that accordance, we follow the process set forth by the DMCA that allows a creator to notify websites and other online entities of an alleged copyright infringement issue. We ask that anyone wishing to protest the use of any content on this site or any affiliated web pages follow this same process as well.

This means that we request creators to provide us with a valid DMCA takedown notice. If you feel that anything you own copyrights to have found their way to this website without your permission, please follow the steps below.

Report any alleged copyright infringements found on Special Need Finances by completing a DMCA Alleged Infringement Notice and emailing it to specialneedfinances (at) gmail (dot) com.

Your email should include the following:

• Identification of the alleged copyright infringement. Note what web page the issue is located on and specify what you believe has been used without permission or that Special Need Finances does not have rights to use.
• Your affiliation with the content in question: include full legal name and company name (if different from your name), title, mailing address, and phone number.
• Both of the following statements: “I hereby state that I have a good faith belief that the disputed use of the copyrighted material is not authorized by the copyright owner, its agent, or the law (eg: as a fair use).” and “I hereby state that the information in this notice is accurate and, under penalty of perjury, that I am the owner, or authorized to act on behalf of, the owner, of the copyright or of an exclusive right under the copyright that is allegedly infringed.”

Special Need Finances will review all notices received and will work to resolve the issue in a reasonable timeframe.

Trademarks Policy

“specialneedfinances.com”, “Special Need Finances”, “FZ Holdings”, and “Overcoming Obstacles. Become Empowered. Live A Better Life” are trademarks of FZ Holdings, LLC. No license is granted with respect to any of these trademarks in any manner or for any purpose.

Links

Specialneedfinances.com may contain links to other web sites or resources located worldwide throughout the Internet. We neither control nor endorse such other web sites, nor have we reviewed or approved any content or communications that appears on such other web sites. We make no guarantees as to their accuracy, currency, content or quality. You acknowledge and agree that we shall not be held responsible for the legality, accuracy, or inappropriate nature of any content, advertising, products, services or information located on or through any other web sites, nor for any loss or damages caused or alleged to have been caused by the use of or reliance on any such content without limitation.

Code of Conduct

While using specialneedfinances.com you agree to comply with all applicable laws, rules and regulations. In addition, you specifically agree not to:

• Use the site for any unlawful purpose.
• Transmit any content or information that is unlawful, fraudulent, abusive, libelous, defamatory, obscene, or otherwise objectionable, or infringes on our or any third party’s intellectual property or other rights.
• Transmit any content or non-public information about companies without the authorization to do so or any trade secret of any third party.
• Transmit any content or information such as advertisements, solicitations, chain letters, pyramid schemes, investment opportunities, or other unsolicited commercial communication except as otherwise specifically permitted by us.
• Engage in spamming or flooding.
• Transmit any software or other materials that contain any virus, worm, time bomb, Trojan horse, or other harmful or disruptive component.
• Modify, adapt, sublicense, translate, sell, reverse engineer, decompile or disassemble any portion of the site.
• Harvest or collect information about site visitors or members without their express consent.
• Restrict or inhibit any other visitor or member from using the site, including, without limitation, by means of “hacking” or “cracking” or defacing any portion of the site.
• Remove any copyright, trademark, or other proprietary rights notices contained in the sites.
• Frame or mirror any part of the site without our prior written authorization
• Use any robot, spider, site search/retrieval application, or other manual or automatic device or process to retrieve, index, data mine, or in any way reproduce or circumvent the navigational structure or presentation of the site or its contents.
• Express or imply that any statements you make are endorsed by us, without our prior written consent.

You alone are responsible for the content and the consequences of your communications. Specialneedfinances.com reserves the right to terminate your site usage privileges immediately and without notice if it becomes aware and determines, in its sole discretion, that you are violating any of the Terms and Conditions of Use.

Specialneedfinances.com reserves the right, but in no way shall we be obligated or required, to delete any inappropriate, objectionable, or offensive material from our site. We intend to fully cooperate with any law enforcement officials and/or agencies in the investigation of any person or persons who violate these Terms of Use or any law.

Submissions and Postings

Because specialneedfinances.com may host message boards, comments, forums, and receive electronic communications on the site and therefore redistribute material that is submitted or posted by you, we must obtain certain rights over those materials. By sending or transmitting to us creative suggestions, ideas, notes, concepts, information, or other materials (collectively, “Materials”), or by posting such Materials to any area of the site, you grant us and our designees a worldwide, non-exclusive, sub-licensable, assignable, royalty free, perpetual, irrevocable right to use, reproduce, distribute, create derivative works of, publicly perform, publicly display, digitally perform, make, have made, sell, offer for sale and import such Materials in any media now known or hereafter developed, for any purpose whatsoever, commercial or otherwise, without compensation to the provider of the Materials. None of the Materials disclosed in message boards, comments, or other forums shall be subject to any obligation, whether of confidentiality, attribution, or otherwise, on our part and we shall not be liable for any use or disclosure of any Materials.

You also warrant that the holder of any Rights in such content has completely and effectively waived all such rights and validly and irrevocably granted to you the right to grant the license stated above. You acknowledge that transmissions to, from and/or through this site are not confidential, and your communications may be read, changed, or interrupted by others. You acknowledge that by using or accessing this site no confidential, fiduciary, contractually implied or other relationship is created between you and specialneedfinances.com.

Testimonials Disclaimer

In accordance with the FTC guidelines concerning use of endorsements and testimonials in advertising, please be aware of the following:

Testimonials appearing on this site are actually received via email, text, audio, or video submission. They are individual experiences, reflecting real life experiences of those that have used our products and/or services in some way or another. However, they are individual results and results may vary. We do not claim that they are typical results that consumers will generally achieve. The testimonials are not necessarily representative of all of those who will use our products and/or services.

The testimonials presented on specialneedfinances.com are applicable to the individuals writing them, and may not be indicative of future performance or success of any other individuals. Specialneedfinances.com cannot and does not guarantee results.

The testimonials displayed (email, text, audio, and/or video) are given verbatim except for correction of grammatical or typing errors. Some have been shortened, so that the whole message received by the testimonial writer is not displayed. This is done only when a testimonial is lengthy, or if the entire testimonial did not seem relevant for the general public.

Specialneedfinances.com is not responsible for any of the opinions or comments posted to the website. Specialneedfinances.com is not a forum for testimonials, however provides testimonials as a means for customers to share their experiences with one another. To prevent against abuse, all testimonials appear after they have been reviewed by management of specialneedfinances.com. Specialneedfinances.com does not share the opinions, views, or commentary of any testimonials on this website, which are strictly the views of the testimonial writer.

Testimonial Submissions:

As a consumer/user of specialneedfinances.com products and/or services, by submitting your testimonial you give us permission to reprint, reproduce or use the testimonial in connection with our business. You also are agreeing to the following:

1. The reprint, reproduction, or use of the testimonial will be at our discretion and without compensation.
2. We may use the testimonial with or without any pseudo (pen) name credit.
3. Our right to use the testimonial is perpetual and may be assigned by us.
4. We may use the testimonial locally, nationally, or globally and such use may be made in any media, information or communication platform (including internet advertising) currently in use or later developed.
5. You, and not someone else, composed submitted and posted the testimonial. By submitting your testimonial, you are agreeing to the terms and conditions as listed in this document.

Third Party Products and/or Services

Specialneedfinances.com may include icons, buttons, or text in its site or through its newsletters and various promotions which, when activated, will allow you to access and learn more about other services and products throughout the worldwide web. When you access any of these services, your rights and obligations will be governed by the agreements and policies relating to the use of these services.

All matters concerning orders between you and any third party vendor, including but not limited to purchase terms, payment terms, warranties, guarantees, maintenance and delivery, are solely between you and the third party vendor. Specialneedfinances.com does not endorse, warrant, or guarantee any product or service offered through this web site or any related communications such as email or newsletter and will not be a party to or monitor any transaction between you and third party providers of products or services.

You should always exercise appropriate caution and perform due diligence when transacting with any vendor, as you alone are responsible for your decision to transact with any third party vendor of services or products. You will not consider specialneedfinances.com, nor will specialneedfinances.com be construed as a party to such transactions, whether or not specialneedfinances.com may have received some form of revenue or other remuneration in connection with the transaction. Specialneedfinances.com will not liable for any costs or damages arising out of, either directly or indirectly, you or any other person involved or related to any transaction with a third party vendor.

Specialneedfinances.com also uses a smart email service provider, Google, to help us serve you better. To that end, Google tracks which pages you view on specialneedfinances.com so that content relevant to your interests displays more often. This is done through a tracking code. For more information on the type of data we collect from you, you can visit our Privacy Policy.

Financial Advice

Specialneedfinances.com exists for educational and entertainment purposes only and specialneedfinances.com is not an investment advisory service nor an investment advisor, nor does specialneedfinances.com provide personalized financial advice or act as a financial advisor. Investors should always check with their licensed financial advisor, legal counsel, and/or tax advisor to determine the suitability of any investment or financial plan.

The nature of the materials presented on specialneedfinances.com are for general informational purposes only. No information on any part of the site is intended as investment, tax, accounting or legal advice, as an offer, or solicitation of an offer to sell or buy, or as an endorsement, recommendation or sponsorship of any company, security, or fund. The information on the site should not be relied upon for purposes of transacting securities or other investments. We cannot and do not assess or guarantee the suitability or profitability of any particular investment, or the potential value of any investment or information source. Your use of this site indicates your agreement that you are able to make your own decisions about financial matters and that you bear sole responsibility for your own investment research and decisions and will not hold specialneedfinances.com liable for any damages relating to your personal finances or investments.

All investors are encouraged to fully investigate any security and consult with their financial professional before making any investment. Examine all advice regardless of its source critically. The Securities and Exchange Commission (the “SEC”) maintains a web site with reports, proxy, and information statements, and other information regarding certain companies that file with the SEC. In addition, the SEC also provides information on various kinds of cyber-fraud. The address of this Web site is http://www.sec.gov/. Similarly, the National Association of Securities Dealers provides their own insights regarding online investing and information at http://www.nasdr.com/.

You understand and agree that specialneedfinances.com does not offer or provide tax, legal or investment advice to individuals. Always consult your personal financial advisor and/or legal counsel before acting on any information from any source. All material found on specialneedfinances.com is for educational and informational purposes only. Sample allocations, portfolios and strategies provided are designed to educate and inform, and should not be viewed as direct recommendations. You understand and agree that any investment decisions you make will be based solely on your evaluation of your financial circumstances, investment objectives, risk tolerance, financial condition and liquidity needs. YOU ARE SOLELY RESPONSIBLE FOR YOUR OWN ACTIONS.

No opinions or recommendations contained herein shall be construed as investment advice. You cannot assume that any recommendations, insights, philosophies, or other information will ensure or lead to profitable investment.

SPECIALNEEDFINANCES.COM IS HERE SOLELY TO EDUCATE, AND YOU ARE SOLELY RESPONSIBLE FOR ALL YOUR DECISIONS AND ACTIONS IN RESPONSE TO ANY INFORMATION CONTAINED HEREIN. ALWAYS SEEK COMPETENT LEGAL AND FINANCIAL COUNSEL BEFORE MAKING ANY FINANCIAL DECISION. SPECIALNEEDFINANCES.COM IS NOT A REGISTERED FINANCIAL ADVISOR.

Products and Payment

Specialneedfinances.com grants you permission to use the Products (subject to payment, where applicable) for your personal use only, in accordance with these Terms. We reserve all rights that we do not expressly grant in these Terms. We may choose to modify any aspect of the Products at any time, including the availability of any feature or content.

You may purchase memberships to certain Products through either a one-time payment or subscription basis as specified on specialneedfinances.com. When you make a purchase, you agree to let us charge the credit or debit card provided.

We reserve the right to cancel any order for any reason. Reasons a cancellation may occur include (but aren’t limited to):

• A potentially fraudulent order: Our third-party payment processor will check to make sure a payment method is legitimate before finalizing the transaction. If a payment method is found to be fraudulent, we may cancel your order.
• Incorrect pricing: At times, prices for a product may fluctuate. In this case, we reserve the right to revoke your membership from any order and provide a full refund to you for that item.
• Non-payment: If payment is not received within a reasonable amount of time after you place an order, we may cancel an order without further notice.

Refund Policy

If you are not 100% satisfied with a Product that you purchased, we offer a 30-day money-back guarantee. To request a refund, you must email me (specialneedfinances [at] gmail [dot] com) no later than thirty (30) days after the date of purchase. When you receive a refund for a Product, you will no longer have the right to use that Product going forward.

Specialneedfinances.com Staff, Community Leaders, and Participants

Anyone can contribute to the communications in the message boards, comments, chat, groups and instant messaging including but not limited to anonymous persons, employees, contractors, or volunteers working on behalf of specialneedfinances.com. These communications may be about a number of topics such as investing, financial planning, insurance, stocks, or any related topic. Everyone is free to contribute as they see fit subject to the rules contained within this Agreement. Specialneedfinances.com does not regulate what anyone says. Any person regardless of their origin could post messages or make statements that are inaccurate, deceptive, misleading or outright false. Their opinions are entirely their own and may differ substantially from the opinions of specialneedfinances.com management.

You should not rely upon the information or opinions you read here or anywhere else. Rather, you should use this information as a starting point for doing your own independent research. Always independently judge for yourself the merits of material that is found on this web site regardless of its source. You should not assume that anyone posting information on this site has any special expertise or insight merely because they are employed by, contract for, or volunteer for, specialneedfinances.com.

Specialneedfinances.com does not guarantee the veracity, reliability, or completeness of any information provided anywhere on this site, email promotions, newsletter, or in any hyperlink appearing on our site and we will not be responsible for any loss or damage caused by a user’s reliance on information contained therein. You are responsible for your own investment and financial decisions.

Disclaimers

SPECIALNEEDFINANCES.COM, THE MATERIALS ON THIS SITE, AND ANY PRODUCT OR SERVICE OBTAINED OR ACCESSED THROUGH THIS SITE IS PROVIDED “AS IS” AND “AS AVAILABLE” AND WITHOUT REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, SPECIALNEEDFINANCES.COM AND ITS AFFILIATES, SUPPLIERS, ADVERTISERS, AND AGENTS DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY, AND FITNESS FOR A PARTICULAR PURPOSE.

SPECIALNEEDFINANCES.COM AND ITS AFFILIATES, SUPPLIERS, AGENTS AND SPONSORS DO NOT WARRANT THAT YOUR USE OF THIS SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE OR THE SERVER(S) ON WHICH THE SITE IS HOSTED ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOU ACKNOWLEDGE THAT YOU ARE RESPONSIBLE FOR OBTAINING AND MAINTAINING ALL TELEPHONE, COMPUTER HARDWARE AND OTHER EQUIPMENT NEEDED TO ACCESS AND USE THE SITE, AND ALL CHARGES RELATED THERETO. YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THE SITE AND YOUR RELIANCE THEREON. NO OPINION, ADVICE, OR STATEMENT OF SPECIALNEEDFINANCES.COM OR ITS AFFILIATES, SUPPLIERS, AGENTS, MEMBERS, OR VISITORS, WHETHER MADE ON THE SITE OR OTHERWISE, SHALL CREATE ANY WARRANTY.

SPECIALNEEDFINANCES.COM MAKES NO WARRANTY OR REPRESENTATION REGARDING THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF IT’S SERVICES, REGARDING THE ACCURACY, COMPLETENESS, USEFULNESS, CURRENCY OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH SPECIALNEEDFINANCES.COM’S SERVICES, REGARDING ANY GOODS OR SERVICES PURCHASED OR OBTAINED THROUGH SPECIALNEEDFINANCES.COM’S SERVICES, REGARDING ANY TRANSACTIONS ENTERED INTO THROUGH SPECIALNEEDFINANCES.COM’S SERVICES OR THAT SPECIALNEEDFINANCES.COM’S SERVICES WILL MEET ANY USER’S REQUIREMENTS, BE UNINTERRUPTED, TIMELY, SECURE OR ERROR FREE.

YOUR USE OF THE SITE AND ANY MATERIALS PROVIDED THROUGH THE SITE ARE ENTIRELY AT YOUR OWN RISK.

Limitation of Liability

SPECIALNEEDFINANCES.COM WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND, INCLUDING WITHOUT LIMITATION DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, COMPENSATORY, EXEMPLARY, RELIANCE OR PUNITIVE DAMAGES, REGARDLESS OF THE FORM OF ACTION OR THE BASIS OF THE CLAIM, RESULTING FROM THE USE OF OR ACCESS TO SPECIALNEEDFINANCES.COM’S SERVICES, THE USE OF OR THE INABILITY TO USE SPECIALNEEDFINANCES.COM’S SERVICES, RESULTING FROM ANY GOODS OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH SPECIALNEEDFINANCES.COM’S SERVICES, RESULTING FROM LOSS OF, UNAUTHORIZED ACCESS TO OR ALTERATION OF A USER’S TRANSMISSIONS OR DATA OR FOR THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, USE, BUSINESS, PROFITS, DATA OR OTHER INTANGIBLES, EVEN IF SPECIALNEEDFINANCES.COM HAD BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE SITE AND/OR CONTENT CONTAINED WITHIN THE SITE IS TO STOP USING THE SITE. THE SOLE AND EXCLUSIVE MAXIMUM LIABILITY TO SPECIALNEEDFINANCES.COM FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT (INCLUDING, WITHOUT LIMITATION, NEGLIGENCE), OR OTHERWISE) SHALL BE THE TOTAL AMOUNT PAID BY YOU, IF ANY, TO ACCESS THE SITE.

Indemnification

You agree to indemnify, defend and hold harmless specialneedfinances.com, its affiliates, officers, directors, employees, consultants and agents from any and all third party claims, liability, damages and/or costs (including, but not limited to, attorneys fees) arising from your use of our services, your violation of the Terms of Use or your infringement, or infringement by any other user, of your account, of any intellectual property or other right of any person or entity. The Terms of Use will inure to the benefit of specialneedfinances.com’s successors, assigns and licensees.

Cookie Policy

What is a Cookie?

Cookies are small data files containing bits of information that websites transfer to your computer(s) hard drive for record keeping purposes. Cookies can make the web more useful by storing information about your preferences on a particular site

How Do We Use Cookies?

We may use cookies, web beacons, and similar technology to track the site’s aggregate page views or specific pages visited so that you don’t see the same promotion more than once. This also enables us to determine which features our users are most or least interested in, and we use this information to improve the website and the services we offer. As an example, we may use this information to better serve you by offering you more information relevant to the pages you’ve visited on this site.

When shopping on finanicial-zen.com cookies may be used to keep track of your shopping cart and process your orders.

Cookies used by specialneedfinances.com do not contain any personally identifying information. However, if you choose to provide personal information (such as your name and email address) to us – for example, by opting in to receive email communication from us – this information may be linked to the data stored in the cookie.

Do I Have to Accept Cookies?

Most browsers are initially set to accept cookies. If you prefer, you can set yours to refuse cookies or to alert you when cookies are being sent. However, it is likely that some parts of certain websites may not function properly if you do so, so please be aware of that when using our website.

Miscellaneous

If any provision in this Agreement is found for any reason in a court of competent jurisdiction to be unenforceable or invalid, then that provision shall be deemed severable from this agreement and the remaining provisions of the Terms of Use will continue in full force and effect.

This agreement is not assignable, transferable or sub-licensable by you except with our prior written consent. No waiver by either party of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default.

The section headings used herein are for convenience only and in no way defines or explains any section or provision contained in this Agreement.

These Terms of Use constitute the entire agreement between the parties with respect to the subject matter hereof and supersede and replace all prior or contemporaneous understandings or agreements, written or oral, regarding such subject matter. Any waiver of any provision of these Terms of Use will be effective only if in writing and signed by specialneedfinances.com.

If you have any questions regarding these Terms of Use, please contact specialneedfinances.com.

For more legal information as it pertains to the use of this website, please see our Privacy Policy, cookie policy, copyright and reprint policy, testimonials disclaimer, and DMCA notice.