Terms of Service

Effective date: May 7, 2018 at 11:28am.

These Terms of Service (“the terms”) are a legal contract between you and Parallel Focus LLC (“we”, “the company”) that govern your use of MoneyCrush.com (“the site”). Review them carefully before using the site.

By using the site you agree that you are at least 18 years old and have read, understood, and agree to be bound by both the terms and the Privacy Policy that is incorporated here by reference. You may review the privacy policy at https://www.moneycrush.com/privacy-policy/. If you do not agree with the terms, do not use the site.

THESE TERMS CONTAIN DISCLAIMERS AND LIMITATIONS (SECTION 5).

1. Changes to the Terms
The terms are subject to change at any time for any reason. Updating the effective date of the terms constitutes notification that changes have been made to the terms. You waive any right to receive specific notice of each such change. Please review the terms regularly to be sure that you continue to agree.

2. Prohibited Conduct
You shall not use the site to do anything unlawful, misleading, fraudulent, or obscene.

You shall not use the site for any illegal or unauthorized purpose, or to encourage hate.

You shall not do anything to interfere with or impair the intended operation of the site.

You shall not republish or copy our content without the company’s express written permission, with the exceptions that you may a) occasionally make one copy of our content for your own personal use only and b) share links to the site on social media with brief that may include brief excerpts and social-media ready images. To apply for permission to republish in any other form or for any other purpose, email comments@moneycrush.com and state your proposed use.

You shall not create derivative works from our content.

3. User-Generated Content
The site may allow you to submit user-generated content in the form of comments or articles.

The company does not and cannot review every comment and is not responsible for the content of those comments, and comments made on the site may be moderated, deleted, or edited to fix broken links or to remove information without notice for any reason or no reason at all. You waive any rights you may have in having the material altered or changed. Comments may or may not be published.

If a user-generated article is accepted for publication, the company will review it but is not responsible for its accuracy. Articles may be deleted or edited to fix broken links or to remove or add information without notice for any reason or no reason at all. You waive any rights you may have in having the material altered or changed. Articles may or may not be published.

We do not claim copyright or ownership of any content you post on or submit to the site.

You shall not post private, confidential, or copyrighted information to the site or do anything that violates someone else’s rights, including intellectual property rights.

You shall not upload or post false, inaccurate, plagiarized, misleading, libelous, defamatory, obscene, pornographic, abusive, hateful or illegal material.

You shall not post content that discriminates on the basis of race, religion, nationality, gender, sexual preference, age, region, disability, or any protected class.

You shall not post spam.

By submitting any content to the site, you agree that you are submitting original content or have the right to submit such content, including the written consent of any identifiable persons mentioned or pictured in such content, and that the content may be displayed in whole or in part on the site and for related online and offline promotional uses. You grant the company a perpetual, non-exclusive, royalty-free, transferable, sub-licensable, worldwide license to host, use, index, cache, tag, encode, distribute, translate, and create derivative works of your content posted on or submitted to the site, which includes without limitation the right for the company or any third party it designates to do the same in any form or media now known or hereinafter developed.

4. Links to Third-Party Websites
We provide links to some third party websites for your convenience, entertainment, and/or to point out additional information. These linked websites have their own separate terms of service and privacy policies, which we recommend you read carefully.

5. Disclaimers and Limitations

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. THE COMPANY DOES NOT MAKE ANY REPRESENTATIONS OR ASSUME ANY RESPONSIBILITY CONCERNING THE ACCURACY, LIKELY RESULTS, AVAILABILITY, SECURITY, SAFETY, OR RELIABILITY OF THE USE OF MATERIALS ON THE SITE OR OTHERWISE RELATING TO SUCH MATERIALS.

The information, images, commentary, ideas and opinions provided on the site are provided on an “as is” basis for entertainment purposes only. The content on the site should not be considered advice for your particular situation, as every situation is different and we cannot know all the details of your situation. Seek competent professional advice on all financial, health, tax, legal and other important matters from someone that understands the details of your individual situation.

Use the site at your own risk.

The company disclaims any responsibility for your actions or inactions.

The company has not reviewed all of the websites linked to or from the site and is not responsible for the contents, policies, or terms of any such linked website. Including a link to another website does not imply endorsement of the linked website. Use of any such linked website is at the user’s own risk. We have no responsibility or liability for the actions or inactions of any linked website. While we strive to include valid links, we can’t guarantee they will always continue to work or go to the intended content.

The company has not reviewed all of the advertisements that may appear on the site. Some advertisements that may appear on the site are automatically generated. The appearance of an advertisement, product or service description, or a link on the site does not constitute an endorsement.

6. Resolving Disputes
If you have a legal claim or dispute with the company, that legal claim or dispute must be commenced no later than one (1) year after the cause of action occurred. You agree to first try to informally negotiate such for at least thirty (30) days before initiating arbitration or legal action in small claims court. Such informal negotiations are considered to begin upon written notice from you to the company. Written notice must be sent both via email to comments@moneycrush.com and via certified mail to Parallel Focus LLC, P.O. Box 26922, Tempe, AZ 85285.

If the legal claim or or dispute is not resolved through informal negotiations, you agree to pursue relief in small claims court or via binding arbitration which shall take place in Maricopa County, Arizona. Jury trials, class actions and class arbitrations are not permitted. YOU UNDERSTAND THAT WITHOUT THIS PROVISION, YOU WOULD HAVE THE RIGHT TO A JURY TRIAL. You may bring a claim only on your own behalf.

7. Indemnification
You agree to indemnify, defend and hold harmless the company and any and all of its officers, owners, partners, agents, information providers, affiliates, contractors, licensors and licensees (collectively known as “the parties”) from and against any and all, loss, damage, liability, cost, claim, or demand including, without limitation, reasonable attorneys’ fees, incurred by the parties in connection with any claim arising out of any breach by you of these terms, your use of the site, your contributions, or your violations of the rights of a third party. You shall cooperate as fully as reasonably required in the defense of any such claim. The company reserves the right, at its own expense, to assume the exclusive defense and control of any matter subject to indemnification by you, and you agree to cooperate, at your expense, with our defense of such claims.

8. Governing Law
The site is hosted in the United States. Any claim or dispute relating to the site or the company shall be governed by the laws of the State of Arizona. By using the site, you waive any claims that may arise under the laws of other states, countries, territories or jurisdictions.