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Terms and Conditions

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Quick Non-Legalese Version

The stuff in the full legalese version below is standard boilerplate stuff. Some other personal finance blogger wrote it around 2007 or so and gave me permission to use it with some minor edits.

  • I have to tell you that I'm not a financial professional to protect myself legally. I could go out and get a bunch of licenses to give financial advice and I've thought about doing so, but then what I can write about would be legally restricted as well.
  • While I do give myself the ability to edit user comments, I've rarely used it... probably in less than 1 in a thousand cases. Typically it only happens when someone has a pretty good comment, but then ends with something like: "Here's my [link to a get rich quick scheme]." I openly allow for any number of dissenting opinions (see the comments on my MonaVie article), but in the end, I have to include this clause.
  • The advertising that I use, Google AdSense, and a number of other advertisers that I use are used by millions of sites. These advertisers require that I disclose that cookies can be used by these advertising systems. I do not get access to any of this information and can't see any of your personal preferences, things you like, or sites you previously visited. I can get the general location of my visitors such as which country they live in, but with over 4 million visitors, chances are that every country is covered by now. You are essentially anonymous to me.
  • I will never ask for, and you should never tell me any a password of any kind.
  • If you leave a comment or subscribe to receive emails, I will never sell it. I hate spam as much as you do. In fact if you leave a comment with your email address as part of the text that another user can see, I edit your comment to take out the email address so nefarious spam bots scouring my site won't pick up your email address.

That's pretty much it. The overriding rule here is that I don't collect much of your information myself and I make none of it available to others. You'll find that the legalese below is essentially the same as millions of other websites and many personal finance blogs.

Full Legalese Version

Lazy Man and Money is not a financial professional and no content within this website should be considered financial advice. Please consult a certified financial expert before attempting any of the ideas described in this website.

Lazy Man and Money takes no responsibility for any losses incurred while following the information presented here.

The content of this site is the copyright of Lazy Man and Money. You may cite and quote content published here under the following conditions. You must cite the source (giving credit Lazy Man and Money) and you must not republish the article in it's entirety. Only reasonable length excerpts are allowed and it highly preferred that such excerpts include additional commentary. You must not use any automated process to pull in content from this site for republishing - especially if that republishing is on a regular basis. Any exception to the above must be granted in writing (electronic e-mail is sufficient) by Lazy Man and Money.

User-generated content (such as comments) are subject to editing by Lazy Man and Money. This editing can include, but is not limited to, changing or omitting URLs, fixing and correcting grammar and/or spelling, and even editing the name of the commenter (usually restricted to cases where a commenter includes their website's tagline in their name). User-generated content may be deleted by Lazy Man and Money. This is usually done in, but limited to, cases where the content is deemed inappropriate or irrelevant to the topic. By creating such content you are agreeing to the above terms and conditions. Users are solely responsible and liable for their content. By generating content, the user grants license to the blog owner to use, modify, delete, sell, etc. all content. Lazy Man and Money will not revoke or modify comments at the request of the author. Policy on all user-generated content may change at any time.

Privacy Policy:

The privacy of our visitors to LazyManAndMoney.com is important to us.

At Lazy Man and Money, we recognize that privacy of your personal information is important. Here is information on what types of personal information we receive and collect when you use visit Lazy Man and Money, and how we safeguard your information. We never sell your personal information to third parties.

Log Files
As with most other websites, we collect and use the data contained in log files. The information in the log files include your IP (internet protocol) address, your ISP (internet service provider, such as AOL or Shaw Cable), 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
We do use cookies to store information, such as your personal preferences when you visit our site. This could include only showing you a popup once in your visit, or the ability to login to some of our features, such as forums.

We also use third party advertisements on Lazy Man and Money to support our site. Some of these advertisers may use technology such as cookies and web beacons when they advertise on our site, which will also send these advertisers (such as Google through the Google AdSense program) information including your IP address, your ISP , the browser you used to visit our site, and in some cases, whether you have Flash installed. This is generally used for geotargeting purposes (showing New York real estate ads to someone in New York, for example) or showing certain ads based on specific sites visited (such as showing cooking ads to someone who frequents cooking sites). These advertisers may also use interest-based advertising which enables advertisers to reach users based on their interests (e.g. 'sports enthusiasts'), and allows them to show ads based on a user's previous interactions with them, such as visits to advertiser websites.

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. This could include the inability to login to services or programs, such as logging into forums or accounts.

Full Disclosure
The information found on the Lazy Man and Money is provided and intended for informational and entertainment purposes only and does not constitute financial, legal, or other advice of any kind. The information contained on this site is aimed at a general audience, and does not attempt to offer specific advice to your specific circumstances. If you are looking for professional advice, you should consult with an independent financial adviser.

As required by FTC regulations, please note that we have a financial relationship with the companies mentioned on this site. We frequently review products or services that we have been given access to for free. However, we do not accept compensation in any form in exchange for positive reviews, and the reviews found on this site represent the opinions of the author.

This site contains information about third party products and services, such as credit card offers, online banking, discount brokers, and credit score services. While we endeavor to ensure that the information presented on this site is accurate at the time of publication, any offers and rates shown on the Lazy Man and Money can and do change without notice. Visit the official site of the offer for up-to-date information.

We use third-party advertising companies to serve ads and collect information when users visit our site. These companies may use information (not including your name, address, email address or telephone number) about your visits to this and other websites in order to provide advertisements on our site, other websites and other forms of media about goods and services of interest to you. If you would like more information about this practice and to know your choices about not having this information used by these companies, check out http://www.networkadvertising.org/managing/opt_out.asp.

Other information collected by third-parties

We may allow third-party companies that use tracking technologies, such as cookies or pixels, to record IP information about users who visit or interact with our website. Our website does not provide any personal information to these third parties. This information allows them to deliver targeted advertisements and gauge their effectiveness. Some of these third-party advertising companies may be advertising networks that are members of the Network Advertising Initiative which offers a single location to opt out of ad targeting from member companies.

Last updated on January 7, 2015.

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