Terms of use

Terms of use

Quick summary

Welcome. If you use the site, you agree to these terms. I keep my content and you keep your content but we each let the other use it in specified respects. You won’t use other people’s content for the site unless you’re allowed to and you won’t post inappropriate stuff to the site. I’m not providing legal advice and won’t be responsible for your use of the site or its content. You also agree to my privacy policy. The legal detail is set out below.


Welcome to MoneyandBills.com These terms apply to your use of the site, including content distributed by web feed or email. By viewing and using the site, you will be deemed to agree to these terms. The “site” is MoneyandBills.com with the URL of: http://www.MoneyandBills.com


The site is intended only for users aged 18 or older. Individuals under the age of 18 are strictly prohibited from using the site and the accounts for any such person shall be terminated upon discovery.


My copyright: Unless indicated otherwise in specific posts or pages, I or my licencors own the copyright in material on MoneyandBills.com! You may download, print and store the textual content of my posts and pages for personal or internal organisational purposes. Except where I grant you broader rights in relation to specific content, either on the site or when you ask, all other rights are reserved.

Your copyright: You retain any copyright in contributions you post to the site or send me by email, such as lengthy comments on posts and articles (by the way, these contributions will be considered non-confidential). You grant me a non-exclusive, royalty-free, transferable and irrevocable licence to copy, adapt and print your contributions and to publish them in any media and in any format, including on this website and any related website, podcast, web feed or email newsletter.

Other people’s copyright: If your contributions to the site include all or a substantial part of another person’s copyright work (or any other third party intellectual property), you promise that you have the right to submit it to the site for publication and to grant me the licence mentioned in the previous paragraph.

Unacceptable use

You agree that you will not post or transmit to or from the site any material that is illegal, obscene, defamatory, threatening, infringing of intellectual property rights, invasive of privacy or otherwise injurious or objectionable. If you do, you agree that you’ll indemnify me against all losses, damages and costs I may suffer as a result of your breaching this term.

No legal advice, disclaimer and exclusion of liability

The material on this site is for general informational purposes only. It does not take into account your specific requirements or circumstances, does not constitute legal or other advice to you or anyone else and you rely on it at your own risk. I’ll try to write helpful content but I disclaim and exclude all liability for any claim, loss, demand or damages of any kind (including for negligence) arising out of your use of the site or any information on it or any other website to which it links. You agree that I will not be liable to you for any such claim, loss, demand or damages.

Agreement to privacy policy

In my privacy policy, I explain how I handle any personal information you may provide to me through your use of the site. In agreeing to these terms, you also agree to the terms of that privacy policy.


I can revise these terms of use and the privacy policy at any time. If I do, I’ll add a notice to the site explaining the changes, either in a post or as an update to the change-log at the bottom of the terms. You agree that this form of notice is sufficient notice to you and that your continued use of the site after that notice means that you agree to the changed terms.

Links to other websites or affiliates

MoneyandBills.com makes no representations whatsoever relating to any hyperlinked third-party web sites that may be accessed through the pages on this site. I have no control over the content of these web sites and assume no responsibility for the content, use or performance of such web sites or their operators.

Governing law and jurisdiction

These terms of use are governed by and to be construed in accordance with California, U.S. law. You agree to submit to the jurisdiction of the California courts in relation to any dispute or other matter relating to these terms or their formation.

Change-log: Terms of use created on 04/01/2019. No changes have been made since that date.