Terms of Use and Privacy Policy

Terms of Use Disclaimer

The materials on this web site have been prepared for informational purposes only and are not intended to be construed as financial advice for specific situations. Rational financial decisions can only be based on each individual’s personal situation.  You should consult with a financial professional, rather than relying upon the general information provided on this site.
  • Reading this web site does not establish any kind of advisor-client relationship between us. You should consult an appropriate financial professional for recommendations regarding your specific financial situation.  In addition, any responses or comments which I make in response to reader comments will not constitute any advisor-client relationship.
  • There are no warranties, expressed or implied, for this website, including no warranty for merchantability and no warranty for fitness for any particular purpose.
  • In summary, I disclaim liabilities from any decisions influenced by this site.


Risk of Loss

No information provided on this site shall be construed as legal, investment, financial, tax, or other advice. You alone bear the sole responsibility of assessing the merits and risks associated with any financial decisions you make. And it should always be kept in mind that any investment can result in partial or complete loss.


By using this site, you explicitly agree not to hold MoneybytheBook.com or any of its members or contributing authors liable in any way for any damages arising from decisions you make based on the information made available on this site.


External Links

By providing access to other websites, neither MoneybytheBook.com nor any of its members nore contributing authors makes any endorsement whatsoever regarding those sites.


No Warranty of Information

MoneybytheBook.com and its members do not provide any warranty as to the accuracy, completeness, or timeliness of information contained on this site.

Privacy Policy
At MoneybytheBook.com, we recognize that the privacy of your personal information is very important.



The following describes the types of personal information that we receive and collect when you visit moneybythebook.com, and how we safeguard your information. Please be assured that we never sell your personal information to third parties.


Log Files
As with most other websites, we collect data contained in log files. The information in the log files include your IP (internet protocol) address, your ISP (internet service provider), the browser you used to visit our site (such as Internet Explorer or Firefox), the time you visited our site and which pages you visited throughout our site.


Cookies and Web Beacons
Also, as with most other websites, we may use cookies to store information when you visit our site.

We may use third party advertisements on MoneybytheBook.com to offset the time and expenses incurred to maintain our site. Some of these advertisers may use technology such as cookies and web beacons when they advertise on our site, which will send these advertisers general information which may include such things as your IP address, your ISP , the browser you used to visit our site.


You can chose to disable or selectively turn off our cookies or third-party cookies in your browser settings, or by managing preferences in programs such as Norton Internet Security. However, this can affect how you are able to interact with our site, as well as other websites.