Terms and Conditions

Terms and Conditions

These Terms of Use (“Terms”) constitute a legally binding agreement between you—whether personally or on behalf of an entity (“you”)—and Get Joe Money Right (“GJMR”, “we”, “us”, or “our”), a financial‑education blog (the “Blog”). By accessing or using the Blog, you agree that you have read, understand, and accept these Terms in full. If you do not agree with any part of these Terms, you must immediately cease all access to and use of the Blog.

Turning average Joes into money pros.

GJMR is a trade name. The operator publishes anonymously under the pen‑name “Joe” and does not disclose personal identity. GJMR is unaffiliated with any other brand or entity owned or operated by the operator.

Eligibility & Jurisdiction

• The Blog is intended for users aged 18 or older. By using the Blog, you represent and warrant that you are at least 18 years old in the jurisdiction where you reside.
• GJMR content is not directed to, nor intended for distribution to or use by, any person or entity in any jurisdiction where such distribution or use would violate applicable law or require registration. If you choose to access the Blog from outside the United States, you do so on your own initiative and are responsible for compliance with local laws.

Updates to These Terms
We reserve the right, in our sole discretion, to modify these Terms at any time and for any reason. We will indicate the date of the latest revision at the top of this page. By continuing to access or use the Blog after changes are posted, you accept and agree to be bound by the modified Terms. It is your responsibility to review these Terms periodically.

Your Representations
By using the Blog, you represent and warrant that:

• Your use of the Blog will comply with all applicable laws and regulations.
• You have the legal capacity to enter into these Terms.
• You are not a minor in your place of residence.
• If you access the Blog on behalf of an entity, you have authority to bind that entity.

INTELLECTUAL PROPERTY

Unless otherwise indicated, all content made available by Get Joe Money Right (“GJMR”, “we”, “us”, or “our”) through the Blog is owned by GJMR or licensed to GJMR and is protected by trademark, copyright, and other intellectual property laws. The term “Content” includes, without limitation, text, graphics, images, animations, videos, data, designs, logos, button icons, stories, tools, calculators, templates, downloadable files, and the selection, assembly, and arrangement of the foregoing.

License for Personal Use
Subject to your compliance with these Terms, GJMR grants you a limited, non‑exclusive, revocable license to access, view, display, download, and print Content solely for your personal, non‑commercial use. All rights not expressly granted are reserved by GJMR.

Prohibited Uses of Content
You may not:

• Reproduce, redistribute, sublicense, sell, rent, or otherwise exploit any Content for commercial purposes.
• Rehost, repost, or mirror any tools, calculators, templates, or downloadable files.
• Remove, obscure, or modify any copyright, trademark, or other proprietary notices.
• Use any Content to train machine‑learning or artificial‑intelligence models without our prior written consent.

Any use of Content beyond the scope of this license requires the express written permission of GJMR.

RESTRICTIONS ON USE

While using Get Joe Money Right (“GJMR”, “we”, “us”, or “our”) and the Blog, you agree to comply with all applicable laws, rules, and regulations. In addition, you specifically agree not to:

• Use the Blog for any unlawful purpose or in violation of any local, state, national, or international law.
• Modify, adapt, sublicense, translate, sell, reverse engineer, decompile, or disassemble the Blog or any portion thereof.
• Reproduce, duplicate, copy, or otherwise exploit the Blog or its Content for any commercial purpose.
• Harvest, scrape, or collect information about Blog visitors or subscribers without their express consent.
• Restrict or inhibit any other user from accessing or using the Blog (e.g., hacking, cracking, defacing, or otherwise interfering with the site).
• Remove, obscure, or alter any copyright, trademark, or other proprietary notices contained in the Blog or its Content.
• Frame, embed, mirror, or utilize any part of the Blog without GJMR’s 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 otherwise reproduce or circumvent the navigational structure or presentation of the Blog or its Contents.
• Use the Blog in any way that causes, or may cause, damage to the Blog or impairment of its availability or accessibility.
• Use any Content to train, validate, or improve machine‑learning algorithms or large‑language models without GJMR’s prior written consent.

USER FEEDBACK

If you provide Get Joe Money Right (“GJMR”, “we”, “us”, or “our”) with any feedback, suggestions, ideas, or reports of problems or deficiencies (collectively, “Feedback”) regarding the Blog or any related product or service, you grant GJMR and its affiliates a worldwide, perpetual, irrevocable, royalty‑free, fully sublicensable right to use, reproduce, modify, publish, display, distribute, and otherwise incorporate that Feedback into the Blog or any future products or services—without any obligation to you for attribution or compensation.

THIRD PARTY PRODUCTS AND/OR SERVICES

GJMR may include links to other websites, resources, or services (“Third‑Party Websites”) for your convenience. Inclusion of any link does not imply endorsement, sponsorship, or recommendation by Get Joe Money Right (“GJMR”, “we”, “us”, or “our”). We have not reviewed all content on Third‑Party Websites and are not responsible for their accuracy, security, or compliance with any applicable law.

Affiliate Links
Some links on the Blog are affiliate links. If you click an affiliate link and make a purchase, GJMR may earn a commission at no additional cost to you. We only recommend products and services that we believe add value to our readers.

Purchases & Hold Harmless
Any purchases you make through Third‑Party Websites are transactions between you and the third party. GJMR assumes no liability for your experiences or losses arising from those transactions and you agree to hold GJMR harmless from any claims, damages, or expenses.

Brokerage & Financial Services
The Blog may contain links to brokerage firms or financial‑service providers. GJMR does not endorse or recommend any specific brokerage or service. Always conduct your own due diligence before opening an account or making any financial commitment.

NO INVESTMENT ADVICE

The Blog is published and provided for informational and entertainment purposes only. All views and opinions expressed on Get Joe Money Right (“GJMR”, “we”, “us”, or “our”) are those of GJMR and its contributors, and do not constitute personalized investment advice or recommendations.

• Not a Registered Adviser. GJMR and its contributors are not registered investment advisers or broker‑dealers.
• No Suitability Guarantee. Nothing on the Blog is intended as a recommendation that any security, portfolio of securities, transaction, or investment strategy is suitable for your specific circumstances.
• Hypothetical & Past Performance. Any back‑tested, simulated, or historical performance data, including results from calculators or tools, is hypothetical, for illustrative purposes only, and does not guarantee future results.
• Positions & Conflicts. From time to time, GJMR or its affiliates may hold positions or other interests in securities or assets discussed on the Blog—and may trade based on the information provided. These positions may be inconsistent with the opinions expressed.
• Investment Risks. Investing in any security or strategy involves risk, including the possible loss of principal. You should only invest risk capital—never funds needed for essential living expenses, retirement, education, or debt obligations.

If you require personalized advice, please consult a qualified professional before making any financial decisions.

DISCLAIMER

The content on Get Joe Money Right (“GJMR”, “we”, “us”, or “our”) is provided “as‑is” and “as‑available”. While we strive for accuracy and reliability, GJMR, its affiliates, partners, officers, directors, employees, and agents disclaim all representations and warranties—express or implied—including, without limitation, warranties of merchantability, fitness for a particular purpose, title, or non‑infringement. GJMR makes no guarantees that the Blog, its content, tools, or downloads are accurate, complete, current, error‑free, or free of viruses or other harmful components.

No Financial Advice
Nothing on the Blog constitutes personalized financial, investment, tax, or legal advice. If you require advice tailored to your situation, please consult an appropriate professional. You agree that GJMR is not your financial advisor and that any reliance on Blog content is at your own risk.

LIMITATION OF LIABILITY

To the maximum extent permitted by applicable law, neither GJMR nor its affiliates, partners, officers, directors, employees, or agents will be liable for any direct, indirect, incidental, special, consequential, or punitive damages— including lost profits, lost data, or business interruption—arising out of or in any way connected with:

• Your access to or use of (or inability to access or use) the Blog or any content, tools, or downloads;
• Any errors, omissions, or inaccuracies in the Blog or its Content;
• Any third‑party websites linked from the Blog;
• Any computer viruses or other harmful components transmitted through the Blog; or
• Any transactions conducted via third‑party sites or services.

You agree to hold GJMR and its affiliates harmless from any and all claims, liabilities, losses, or expenses (including reasonable attorneys’ fees) arising out of your use of or reliance on the Blog.

INDEMNIFICATION

You agree to indemnify, defend, and hold harmless Get Joe Money Right (“GJMR”, “we”, “us”, or “our”), along with its affiliates, officers, directors, members, managers, employees, consultants, and agents (collectively, the “Indemnified Parties”), from and against any and all claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys’ fees and court costs) arising out of or related to:

• Your violation of any third‑party right, including intellectual property, privacy, or publicity rights.
• Your access to or use of the Blog;
• Your breach or alleged breach of these Terms;
• Any content, information, or materials you submit to the Blog (“User Contributions”); or
• Your violation of any third‑party right, including intellectual property, privacy, or publicity rights.

MODIFICATION AND INTERRUPTIONS

Get Joe Money Right (“GJMR”, “we”, “us”, or “our”) may—but is not obligated to—monitor the Blog. The Blog may be unavailable from time to time for maintenance, updates, or other reasons. We reserve the right to:

• Modify, revise, suspend, discontinue, or remove any portion of the Blog at any time and for any reason, with or without notice.
• Limit or restrict your access to the Blog temporarily or permanently.

You agree that GJMR will have no liability for any loss, damage, or inconvenience resulting from your inability to access or use the Blog during any downtime, suspension, or discontinuance. Nothing in these Terms requires GJMR to maintain, support, update, or provide corrections to the Blog.

TERM AND TERMINATION

These Terms remain in full force and effect for as long as you access or use the Blog. Those provisions that by their nature should survive termination— including No Investment Advice, Disclaimer & Warranty Disclaimers, Limitation of Liability, Indemnification, Governing Law, and Dispute Resolution—will continue to apply even after these Terms end.

Get Joe Money Right (“GJMR”, “we”, “us”, or “our”) may, at its sole discretion, suspend or terminate your access to the Blog (including blocking IP addresses) at any time and without notice or liability, for any reason or no reason, such as a suspected violation of these Terms. Upon termination, you agree to immediately cease all access to and use of the Blog.

PRIVACY POLICY

Your use of the Blog and our website is subject to our Privacy Policy, available here. Please review the Privacy Policy for more information about how we collect and use personal information.

GOVERNING LAW

These Terms will be governed by and construed in accordance with the laws of the State of Wyoming without regard to its conflict of law provisions. Sole and exclusive jurisdiction for any action or proceeding arising out of or related to these Terms or the Blog shall be an appropriate state or Federal court located in the State of Wyoming.

DISPUTE RESOLUTION

Except where and to the extent prohibited by law, if any controversy, claim, action, or dispute arises out of or relates to your use of the Blog or the breach, enforcement, interpretation, or validity of these Terms (a “Dispute”), the parties agree to:

1. Informal Resolution. First, provide written notice to the other party describing the facts and circumstances of the Dispute and allow thirty (30) days for the receiving party to respond or settle in good faith. This informal process is a condition precedent to any formal dispute resolution.
2. Binding Arbitration. If the Dispute is not resolved within thirty (30) days, you and GJMR agree to submit the Dispute to binding arbitration on an individual basis under the American Arbitration Association Commercial Arbitration Rules (the “AAA Rules”), except as modified herein:

• Seat & Venue: The arbitration will be held in Wyoming, at a location mutually agreed upon or, if none, in Cheyenne, Wyoming.
• Number of Arbitrators: Three (3) arbitrators, each selected in accordance with the AAA Rules.
• Language & Law: The arbitration proceedings will be conducted in English, and the substantive law of the State of Wyoming will govern the merits of the Dispute.
• No Class Actions: You and GJMR each waive the right to a jury trial and to participate in a class, consolidated, or representative action.

Other rights available in court—including discovery, appeals, and injunctions—may be limited in arbitration. Judgment on the award rendered by the arbitrators may be entered in any court having jurisdiction.

ELECTRONIC COMMUNICATIONS

Visiting the Blog, sending us emails, and completing online forms constitute electronic communications with Get Joe Money Right (“GJMR”, “we”, “us”, or “our”). By providing your email address and using the Blog, you consent to receive electronic communications from GJMR, including newsletters, marketing emails, transactional notices, updates, and other communications. You agree that all agreements, notices, disclosures, and other communications we provide electronically (via email or the Blog) satisfy any legal requirement that such communications be in writing.

You also agree to the use of electronic signatures, contracts, orders, and records, and to electronic delivery of notices, policies, and records of transactions initiated or completed via the Blog. You hereby waive any rights under any statutes, regulations, rules, or ordinances that require original signatures or non‑electronic record retention, or payments by means other than electronic.

MISCELLANEOUS

These Terms—including any policies, guidelines, or operating rules posted by Get Joe Money Right (“GJMR”, “we”, “us”, or “our”) on the Blog—constitute the entire agreement between you and GJMR regarding your access to and use of the Blog.

Electronic Form: You waive any rights you may have to contest the validity or enforceability of these Terms on the basis that they are in electronic form or are not signed by the parties.

No Waiver: Our failure to enforce any right or provision of these Terms will not constitute a waiver of that right or provision.

Assignment: GJMR may assign or transfer its rights and obligations under these Terms at any time, without notice to you.

Force Majeure: GJMR will not be liable for any failure or delay in performance caused by events beyond its reasonable control, including acts of God, natural disasters, strikes, war, terrorism, or governmental actions.

Severability: If any provision or portion of these Terms is held to be unlawful, void, or unenforceable, that provision or portion will be deemed severable and will not affect the validity of the remaining provisions.

No Partnership: Nothing in these Terms creates a joint venture, partnership, employment, or agency relationship between you and GJMR.

Construction & Interpretation: These Terms will not be construed against GJMR merely because GJMR drafted them.

CONTACT US

If you have any questions, comments, or concerns about these Terms, please visit the contact page here.

This content, which contains security-related opinions and/or information, is provided for informational purposes only and should not be relied upon in any manner as professional advice or an endorsement of any practices, products, or services. There can be no guarantees or assurances that the views expressed here will be applicable to any particular facts or circumstances, and should not be relied upon in any manner. You should consult your own advisers as to legal, business, tax, and other related matters concerning any investment.

References to any securities or digital assets, or performance data, are for illustrative purposes only and do not constitute an investment recommendation or offer to provide investment advisory services. Charts and graphs provided within are for informational purposes only and should not be relied upon when making any investment decision. Past performance is not indicative of future results. The content speaks only as of the date indicated. Any projections, estimates, forecasts, targets, prospects, and/or opinions expressed in these materials are subject to change without notice and may differ or be contrary to opinions expressed by others.

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