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Terms & Privacy

By accessing our site(s) on the Internet (the "Site"), you indicate your acknowledgement and acceptance of these terms.

We may occasionally revise these terms without prior notice.

You agree that your use of this Site shall be governed by New York state law, and agree that jurisdiction and venue shall be located in New York, New York.

Legally Binding, If You Are Under 18 Years Old

You agree that by using the Site that you are at least eighteen (18) years old and that you are legally able to enter into the Terms of Use. IF, HOWEVER, YOU ARE LESS THAN 18 YEARS OLD, YOU MUST GET YOUR PARENT'S (OR LEGAL GUARDIAN'S) PERMISSION TO USE THE SITE. If you are a parent (or legal guardian) permitting a minor to use the Site, you agree to: (a) be legally bound to the Terms of Use, which also means that the term "you" contained throughout the Terms of Use refers to you the parent (or legal guardian); (b) supervise the minor's use of the Site; (c) assume all risks associated with the minor's viewing of content received through use of the Site and the minor's transmission of materials, content or information to another person via the Site; (d) assume any and all liabilities resulting from the minor's use of the Site; and (e) ensure to the fullest extent possible the accuracy and truthfulness of all information submitted by the minor to us. If you are a school administrator (teacher or volunteer) assisting a minor in accessing and/or using the Site, you agree to: (1) receive prior permission from the minor's parent (or legal guardian) to assist the minor in accessing and/or using the Site; (2) supervise the minor's use of the Site; and (3) ensure to the fullest extent possible the accuracy and truthfulness of all information submitted to us by the minor.

NO INVESTMENT RECOMMENDATIONS OR PROFESSIONAL ADVICE

Generally, Early Earners.com is not intended to provide tax, legal, insurance or investment advice, and nothing on this Site should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any particular security.

You alone are solely responsible for determining whether any investment, security or strategy, or any other product or service, is appropriate or suitable for you based on your investment objectives and personal and financial situation. You should consult an attorney or tax professional regarding your specific legal or tax situation.

Stock purchases made through an investment account are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. It is possible to lose money in your investments. Investment returns will fluctuate and you may have a gain or loss when money is withdrawn from a particular investment which may subject you to a penalty and/or tax. Please carefully consider each fund’s investment objectives, risks, charges and expenses before investing.

Site Content

Early Earners owns the copyright of the images, text, screens and Web pages (or others as indicated) appearing on the Site. You may copy information from the Site for your personal or educational use, provided that each copy includes copyright, trademark or service mark notices, or attribution as they appear on the Site.

The information and material may not otherwise be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, transmitted, used to create a derivative work or otherwise used for public or commercial purposes, except as provided in these terms, without the express written permission of Early Earners.

We use our best efforts to include accurate and up-to-date information on the Site, but we make no warranties or representation as to the accuracy of the information.

By using the Site, you agree that all access and use of the Site and its contents are at your own risk. You acknowledge that we specifically disclaim any liability (whether based in contract, tort, strict liability or otherwise) for any direct, indirect, incidental, consequential, or special damages arising out of, or in any way connected with, your access to or use of the Site (even if we have been advised of the possibility of such damage). This includes liability associated with any viruses that may infect a user's computer equipment.

With regard to services obtained by you through the Site from a person or entity other than Early Earners:

Early Earners makes no warranty of merchantability or warranty of fitness for a particular purpose with regard to such services. Early Earners specifically disclaims all other warranties with regard to such services.

Calculators

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. Early Earners is not liable for any special, incidental, indirect or consequential damages or monetary losses of any kind arising out of or in connection with the use of the calculator tools and information derived from the web site. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. 

Third-Party Sites

Please note that while you have the benefit of Early Earners’ terms and Privacy Policy when you use the Site, if you access a third-party Web site through a link on the Site you will be subject to the terms and privacy policies of that third-party site. Early Earners is not responsible for the content, terms of use, privacy policies, business practices or products or services of any third-party Web site.

THIRD PARTY CONTENT

Data and other materials appearing on this Site that are provided by third parties are believed by the Early Earners to be obtained from reliable sources, but Early Earners cannot guarantee and is not responsible for their accuracy, timeliness, completeness or suitability of use. Early Earners is not responsible for, and does not prepare, edit, or endorse, the content, advertising, products or other materials on or available from any website owned or operated by a third party that is linked to this Site. The fact that Early Earners provides a link to third party’s website does not constitute an endorsement, authorization, sponsorship or affliation by Early Earners with respect to such website or services. The use of such third party content is at your own risk.

Disclaimer

THIS SITE AND ALL CONTENTS OF THE SITE ARE PROVIDED ON AN "AS IS" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. YOU ACKNOWLEDGE, BY YOUR USE OF THE SITE, THAT YOUR USE OF THE SITE IS AT YOUR SOLE RISK, THAT YOU ASSUME FULL RESPONSIBILITY FOR ALL COSTS ASSOCIATED WITH ALL NECESSARY SERVICING OR REPAIRS OF ANY EQUIPMENT YOU USE IN CONNECTION WITH YOUR USE OF OUR SITE, AND THAT EARLY EARNERS SHALL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND RELATED TO YOUR USE OF THIS SITE.

Inaccuracy Disclaimer

From time to time there may be information on earlyearners.com that contains typographical errors, inaccuracies, or omissions that may relate to product descriptions, calculations, pricing, and availability. We reserve the right to correct any errors, inaccuracies or omissions and to change or update information at any time without prior notice. We apologize for any inconvenience this may cause you.

Indemnification

You agree to defend, indemnify and hold Early Earners harmless from and against any and all claims, damages, costs and expenses, including attorneys' fees, arising from or related to your use of the Site or any violation by you of these Terms of Use.

Confidentiality of Use

Your confidential use of this Site cannot be guaranteed by us. We shall not be responsible for any harm that you or any person may suffer as a result of a breach of confidentiality in respect to your use of the Site or the Software.

Entire Agreement

Unless otherwise indicated herein, the Terms of Use constitutes the entire agreement between the parties hereto pertaining to the subject matter hereof, and any and all written or oral agreements heretofore existing between the parties hereto are expressly cancelled.

SEVERABILITY

If a court of competent jurisdiction deems any provision of these Terms of Use unenforceable, that provision will be enforced to the maximum extent permissible, and the remaining provisions will remain in full force and effect.

Acknowledgement

By accessing and using the Site, you acknowledge that you have read these Terms of Use and agree to be bound by them.

PRIVACY

It is our policy to protect your privacy to the fullest extent possible. Consistent with this policy, Early Earners requires minimal collection of information from our visitors. As such, we do not share any personal information about our users with any third parties other than our affiliates and firms to which we we outsource some of our business functions such as newsletter distribution.

The Bottom Line

We use the information that we get from your visit for internal tracking purposes, to make Early Earners as useful and interesting to you as we can, and to respond to your requests for information or other services.

We do not use your personal information for any other purpose and we never sell it to any third party. Early Earners is fully compliant with the Children's Online Privacy Protection Act.

Email

Early Earners provides visitors the opportunity to send e-mail to us and request email from us. We use your email address to thank you for your comments, reply to your questions, and sent you requested information. We will store your communication and our reply in case we correspond further.

We will never share your email address with anyone other than our affiliates and firms to which we we outsource some of our business functions such as newsletter distribution. We never sell your email address to any third party.

Affiliates

The information provided in this privacy policy describes the practices of Early Earners only. Links provided on this site to affiliates or other third parties are not covered in this policy. If you choose to obtain an account with any of our affiliates, you will be subjected to the privacy policy of that affiliate.