A food, lifestyle and personal finance blog

Disclaimer

GENERAL INFORMATION

FoodLifeAndMoney (“company”, “I”, “we” or “us”) provides general educational information on various topics on this website as a public service, which should not be construed as professional advice. These are my personal opinions only.

The term “you” refers to anyone who uses, visits and/or views the website.

Please read this Disclaimer carefully, and I reserve the right to modify it at any time without notice.  By visiting and using this website, you accept and agree to be bound by this Disclaimer along with our Terms and Conditions and Privacy Policy. Your continued use of our website, programs, products and/or services constitutes your acceptance of future changes and updates to this Disclaimer. You must not access or use our website if you do not wish to be bound by this Disclaimer.

GENERAL DISCLAIMER

Although I am an investment analyst by profession, I am NOT YOUR financial advisor. All content and information on this website is for informational and educational purposes only, does not constitute professional advice and does not establish any kind of professional-client relationship by your use of this website. A professional-client relationship with you is only formed after we have expressly entered into a written agreement with you that you have signed including our fee structure and other terms to represent you in a specific matter. Although we strive to provide accurate general information, the information presented here is not a substitute for any kind of professional advice, and you should not rely solely on this information. Always consult a professional in the area for your particular needs and circumstances prior to making any professional, legal, and financial or tax related decisions.

The articles the author provides on FoodLifeAndMoney.com are for informational purposes only. They are not to be construed as an offer to buy or sell any financial instrument or to engage in any particular trading strategy. The information and opinions expressed on this website are believed by us to be reliable and have been obtained from public sources believed to be reliable. However, we makes no representation as to the accuracy or completeness of such information. Opinions, estimates, and projections on this website constitute the judgment of the authors as of the date the article is written, and are subject to change without notice.

FoodLifeAndMoney.com has no obligation to update, modify or amend any article on the website or to otherwise notify a reader in the event that any opinion, projection, forecast or estimate presented, changes or subsequently becomes inaccurate.

The author does not provide individually tailored investment advice in any material presented on the website. The articles have been written without regard to particular investments and circumstances of the reader. The financial instruments discussed may not be suitable for all investors and readers must use their own discretion and/or independent advisors to make investment decisions tailored to their specific financial circumstances before blindly relying on the data provided on this website.

Investment products and financial instruments discussed in articles on this website may not be insured by the Federal Deposit Insurance Corporation (FDIC) or by any other agency and investors have the risk of losing the invested value.

Financial markets can be volatile and as such the price of any financial instrument may increase or decrease within a few seconds of an article being posted on the website. Further, the future performance of any investment product as estimated by the author may not come to fruition because of some assumptions not being realized. Also, past performance is not necessarily indicative of future performance.

Opinions expressed by the author are personal and may not reflect opinions of the author’s employer, family, associates or any affiliates, and sometimes may even be contrary to those opinions. It is valid to assume that the author has an interest in any investment product that is the subject of any article on the website. The author may hold or plan to hold a product/security being discussed in her personal portfolio. The author is free to make trading decisions contrary to those expressed in the article depending on her personal circumstances without informing you.

AFFILIATE / THIRD PARTY LINKS DISCLOSURE AND DISCLAIMER

We may partner with other businesses or become part of different affiliate marketing programs whose products or services may be promoted or advertised on the website in exchange for commissions and/or financial rewards when you click and/or purchase those products or services through our affiliate links. We will receive a commission if you make a purchase through our affiliate link at no extra cost to you.

We may also recommend other products, services, coaches and consultants but no such reference is intended to be an endorsement or statement that such information provided is accurate. We recommend these based on our personal experiences but it is still your responsibility to conduct your own due diligence to ensure you have obtained complete accurate information about such product, services, coaches and consultants.

We are a participant in the Amazon Services LLC Associates Program, which is an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.

These affiliate or third party relationships in no way compromise the integrity of the content, information, services and materials being presented to you here, and you are under no obligation to click on these affiliate links to purchase those products or services being offered. These affiliate programs are selected based on personal experiences and preferences.

Although we provide these affiliate links on the website for your convenience, we have no control over these external websites and they are solely responsible for their own content and information presented.  Therefore, FoodLifeAndMoney and/or its officers, employees, successors, shareholders, joint venture partners or anyone else working with us cannot be held liable or responsible for any content presented on these external websites and for any damages resulting from them.

This disclosure policy applies to all affiliate links we share on our website, social media, emails, programs, products such as courses, ebooks, services and through any other means of communication with you.

EARNINGS DISCLAIMER, TESTIMONIALS AND OTHER DISCLAIMERS

We may disclose our income reports and success results of our current or former customers including product reviews and testimonials on the website from time to time. These income reports, product reviews and testimonials are accurate and strictly for informational purposes only.

We share this information as examples to you but it does not serve as a guarantee or promise of any kind for your results and successes if you decide to use the same information, reviews, products, services, tips and techniques offered here.

All the testimonials included on our websites, programs, products and/or services are real world examples and stories of other people’s experiences with our programs, products and/or services. But they are not intended to serve as a guarantee that you will achieve same or similar results. Each individual’s performance is different and your results will vary accordingly.

You are encouraged to perform your own due diligence and research and are solely responsible for your earnings and results. Your earning potential and results are contingent upon your personal circumstances, abilities, experience and skills. Therefore, you agree not to hold us and/or our officers, employees, successors, shareholders, joint venture partners or anyone else working with us liable for any of your successes or failures directly or indirectly related to the information, reports, reviews, products and/or services presented to you here.

SPONSORED POSTS / REVIEWS DISCLAIMER

We may include sponsored blog posts on our website from time to time for products or services we recommend or those that have been valuable in our personal experience or use.

We may review different products, services and other resources to provide reviews of books, services and any other recommendations to you. We may receive incentives, discounts, compensation or free products in exchange for our reviews and sponsored content. All such reviews and sponsored posts are solely our honest opinions made in good faith. You are always encouraged to perform your own due diligence prior to relying on them.

We share this information as examples to you but it does not serve as a guarantee or promise of any kind for your results and successes if you decide to use the same information, reviews, products, services, tips and techniques offered here.

You are encouraged to perform your own due diligence and research and are solely responsible for your decisions, purchases from our affiliate links, sponsored content and results. Your earning potential and results are contingent upon your personal circumstances, abilities, experience and skills. Therefore, you agree not to hold us and/or our officers, employees, successors, shareholders, joint venture partners or anyone else working with us liable for any of your successes or failures directly or indirectly related to the information, reports, reviews, products and/or services presented to you here.

FAIR USE DISCLAIMER 

This website reviews products, including but not limited to posting of product images from other websites, logos of manufacturers. In doing so, no copyright is claimed for this kind of content on the website and to the extent that such material may appear to be infringed, we assert that such alleged infringement is permissible under the fair use principles of U.S. copyright laws. If you believe any material has been used in an unauthorized manner, please contact us at admin@foodlifeandmoney.com.

NO WARRANTIES

ALL CONTENT, INFORMATION, PRODUCTS AND/OR SERVICES ON THE WEBSITE ARE “AS IS” AND “AS AVAILABLE” BASIS WITHOUT ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND INCLUDING THE WARRANTIES OF MERCHANTABILITY OR FITNESS FOR ANY PURPOSE, EXPRESS OR IMPLIED TO THE FULL EXTENT PERMISSIBLE BY LAW. COMPANY MAKES NO REPRESENTATIONS OR WARRANTIES AS TO THE CONTENT, INFORMATION, MATERIALS, PRODUCTS AND/OR SERVICES PROVIDED ON THIS WEBSITE. COMPANY MAKES NO WARRANTIES THAT THE WEBSITE WILL PERFORM OR OPERATE TO MEET YOUR REQUIREMENTS OR THAT THE INFORMATION PRESENTED HERE WILL BE COMPLETE, CURRENT OR ERROR-FREE. COMPANY DISCLAIMS ALL WARRANTIES, IMPLIED AND EXPRESS FOR ANY PURPOSE TO THE FULL EXTENT PERMITTED BY LAW.

LIMITATION OF LIABILITY

You agree that under no circumstances, we and/or our officers, employees, successors, shareholders, joint venture partners or anyone else working with us shall be liable for any direct, indirect, incidental, consequential, equitable, special, punitive, exemplary or any other damages resulting from your use of this website including but not limited to all the content, information, products, services and graphics presented here.

You expressly agree that your use of the website is at your sole risk and that you are solely responsible for the accuracy of the personal and any information you provide, outcome of your actions, personal and business results, and for all other use in connection with the website.

You also expressly agree that we and/or our officers, employees, successors, shareholders, joint venture partners or anyone else working with us shall not be liable to you for any damages resulting from 1) any errors or omissions on the website, delay or denial of any products or services, failure of performance of any kind, interruption in the operation and your use of the website, website attacks including computer virus, hacking of information, and any other system failures; 2) any loss of income, use, data, revenue, profits, business or any goodwill related to the website; 3) any theft or unauthorized access by third party of your information from the website regardless of our negligence; and 4) any use or misuse of the information, products and/or services offered here.

This limitation of liability shall apply whether such liability arises from negligence, breach of contract, tort or any other legal theory of liability. You agree that we provide no express or implied guarantees to you for the content presented here, and you accept that no particular results are being promised to you here.

INDEMNIFICATION

You agree to indemnify and hold the Company and/or its officers, employees, successors, shareholders, joint venture partners or anyone else working with us harmless from all losses, claims, damages, demands, actions, suits, proceedings or judgments, including costs, expenses and reasonable attorneys’ fees (“Liabilities”) assessed against or otherwise incurred by you arising, in whole or in part, from: (a) actions or omissions, whether done negligently or otherwise, by you, your agents, directors, officers, employees or representatives; (b) all your actions and use of our websites including purchasing programs, products and services; (c) violation of any laws, rules, regulations or ordinances by you; or (d) violation of any terms and conditions of this websites by you or anyone related to you; e) infringement by you or any other user of your account of any intellectual property or other rights of anyone. Company will notify you promptly of any such claims or liability and reserves the right to defend such claim, liability or damage at your expense. You shall fully cooperate and provide assistance to us if requested, without any cost, to defend any such claims.