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Please read this Agreement carefully before accessing or using our Services. By accessing or using any part of our Services, you agree to become bound by the terms and conditions of this agreement. If you do not agree to all the terms and conditions of this agreement, then you may not access or use any of our Services. If these terms and conditions are considered an offer by WealthMeta.com, acceptance is expressly limited to these terms.
Our Services are not directed to children younger than 18, and access and use of our Services is only offered to users 18 years of age or older. If you are under 18 years old, please do not register to use our Services. Any person who registers as a user, opens an Account, or provides their personal information to Wealth Meta for our Services represents that they are 18 years of age or older.
Use of our Services requires a WealthMeta.com account. You agree to provide us with complete and accurate information when you register for an account. You will be solely responsible and liable for any activity that occurs under your username. You are responsible for keeping your password secure.
All Rights Reserved. All content of WealthMeta.com is subject to copyright with all rights reserved. No portion of the Website including but not limited to (html, images, text content, source code) may be mirrored, retransmitted, copied, duplicated, reposted, or otherwise used without the written approval of WealthMeta.com. Consideration for all obligations of each party to this agreement shall be the agreements of the other parties to accept such performance or perform its own obligations.
"Wealth Meta" the Wealth Meta Logo, "Secure Ledger", and "Helping households manage their finances with ease and confidence." are trademarks of Wealth Meta.
Your WealthMeta.com Account and Website. If you create an account at WealthMeta.com, you are responsible for maintaining the security of your account, and you are fully responsible for all activities that occur under the account and any other actions taken in connection with the account. You must immediately notify WealthMeta.com of any unauthorized uses of your account or any other breaches of security. WealthMeta.com will not be liable for any acts or omissions by you, including any damages of any kind incurred as a result of such acts or omissions. Your account is for use by you only and may not be shared with any other person or entity whatsoever. Accounts are non-transferrable. You may not sell, redistribute, sublicense, or otherwise transfer your account, or any portions of your account, to anyone without the prior written consent of WealthMeta.com.
Feedback and Suggestions. WealthMeta.com is under no obligation to follow provided feedback, though we try to react appropriately to feedback which we deem appropriate and useful. All feedback provided to WealthMeta.com in any form (contact page, email, voice communication, forum comments, etc), becomes the property of WealthMeta.com, including derivative works done by WealthMeta.com or our agents, staff or licensees. Any compensation for feedback or suggestions in whatever form, will be at the sole discretion of WealthMeta.com. WealthMeta.com is under no obligation to provide any form of compensation for feedback or suggestions.
Responsibility of Contributors. If you operate an account, make comments, post material to WealthMeta.com, post links on WealthMeta.com, or otherwise make (or allow any third party to make) material available ("Content"), you are entirely responsible for the content of, and any harm resulting from, that Content or your conduct. That is the case regardless of what form the Content takes, which includes, but is not limited to text, photo, video, audio, or code. You agree not to post or submit any Content which is or contains third party copyrighted material, or which is subject to other proprietary rights, unless you have permission from the rightful owner of such material or are otherwise legally entitled to submit it. You shall be solely liable for your Content, and the consequences of submitting and publishing your Content. You represent and warrant that you own or have the necessary licenses, rights, consents and permissions to publish Content you submit, and you license to WealthMeta.com all patent, trademark, trade secret, copyright or other proprietary rights in and to such Content for publication on WealthMeta.com, pursuant to all the terms of this Agreement. By using WealthMeta.com, you represent and warrant that your Content and conduct do not violate these terms.
Ownership of Content. By submitting Content to WealthMeta.com, you grant WealthMeta.com a world-wide, royalty-free, sublicensable, transferrable and non-exclusive license to reproduce, modify, adapt and publish the Content. This license allows WealthMeta.com to make publicly-posted content available to third parties selected by WealthMeta.com (through the WealthMeta.com API, for example) so that these third parties can analyze and distribute your content through their services. You also give other WealthMeta.com users permission to share your Content on other websites and add their own comments, content, ratings and other forms of feedback. If you delete Content, WealthMeta.com will use reasonable efforts to remove it from WealthMeta.com, but you acknowledge that caching or references to the Content may not be made immediately unavailable. Without limiting any of those representations or warranties, WealthMeta.com has the right (though not the obligation), in WealthMeta.com's sole discretion to, (i) refuse or remove any content that, in WealthMeta.com's opinion, violates any WealthMeta.com policy or is in any way harmful or objectionable, or (ii) terminate or deny access to and use of WealthMeta.com to any individual or entity for any reason. WealthMeta.com will have no obligation to provide a refund of any amounts previously paid.
Advertisements. WealthMeta.com reserves the right to display advertisements unless you have purchased an advertisement free service offering.
Attribution. WealthMeta.com reserves the right to display attribution text or links, attributing WealthMeta.com or the Content author or other person. Certain attribution text or links may only be hidden if you are subscribed to a WealthMeta.com plan that includes that option.
2. Payment and Renewal.
General Terms. Optional paid services (any such services, an "Upgrade"). may be made available from time to time, on terms which will be described on the website and may be discontinued, modified or added to from time to time. By selecting an Upgrade you agree to pay WealthMeta.com the monthly or annual subscription fees indicated for that service. Payments will be charged on a pre-pay basis on the day you sign up for an Upgrade and will cover the use of that service for a monthly or annual subscription period as indicated. We offer a no questions asked 30 day refund policy.
Automatic Renewal. Unless you notify WealthMeta.com before the end of the applicable subscription period that you want to cancel an Upgrade, your Upgrade subscription will automatically renew and you authorize us to collect the then-applicable annual or monthly subscription fee for such Upgrade (as well as any taxes or governmentally imposed charges) using any credit card or other payment mechanism we have on record for you. Upgrades can be canceled at any time in the Upgrades section of our website's dashboard.
3. Responsibility of Visitors.
WealthMeta.com has not reviewed, and cannot review, all of the material, including computer software, posted to our Services, and cannot therefore be responsible for that material's content, use or effects. By operating our Services, WealthMeta.com does not represent or imply that it endorses the material there posted, or that it believes such material to be accurate, useful, or non-harmful. You are responsible for taking precautions as necessary to protect yourself and your computer systems from viruses, worms, Trojan horses, and other harmful or destructive content. Our Services may contain content that is offensive, indecent, or otherwise objectionable, as well as content containing technical inaccuracies, typographical mistakes, and other errors. Our Services may also contain material that violates the privacy or publicity rights, or infringes the intellectual property and other proprietary rights, of third parties, or the downloading, copying or use of which is subject to additional terms and conditions, stated or unstated. WealthMeta.com disclaims any responsibility for any harm resulting from the use by visitors of our Services, or from any downloading by those visitors of content there posted.
4. Content Posted on Other Websites.
We have not reviewed, and cannot review, all of the material, including computer software, made available through the websites and webpages to which WealthMeta.com links, and that link to WealthMeta.com. WealthMeta.com does not have any control over those non-WealthMeta.com websites, and is not responsible for their contents or their use. By linking to a non-WealthMeta.com website, WealthMeta.com does not represent or imply that it endorses such website. You are responsible for taking precautions as necessary to protect yourself and your computer systems from viruses, worms, Trojan horses, and other harmful or destructive content. WealthMeta.com disclaims any responsibility for any harm resulting from your use of non-WealthMeta.com websites and webpages.
5. Copyright Infringement and DMCA Policy.
As WealthMeta.com asks others to respect its intellectual property rights, it respects the intellectual property rights of others. If you believe that material located on or linked to by WealthMeta.com violates your copyright, you are encouraged to notify WealthMeta.com using our contact page. WealthMeta.com will respond to all such notices, including as required or appropriate by removing the infringing material or disabling all links to the infringing material. WealthMeta.com will terminate a visitor's access to and use of the Website if, under appropriate circumstances, the visitor is determined to be a repeat infringer of the copyrights or other intellectual property rights of WealthMeta.com or others. In the case of such termination, WealthMeta.com will have no obligation to provide a refund of any amounts previously paid to WealthMeta.com.
6. Intellectual Property.
This Agreement does not transfer from WealthMeta.com to you any WealthMeta.com or third party intellectual property, and all right, title, and interest in and to such property will remain (as between the parties) solely with WealthMeta.com. WealthMeta.com, the WealthMeta.com logo, and all other trademarks, service marks, graphics and logos used in connection with WealthMeta.com or our Services, are trademarks or registered trademarks of WealthMeta.com or WealthMeta.com's licensors. Other trademarks, service marks, graphics and logos used in connection with our Services may be the trademarks of other third parties. Your use of our Services grants you no right or license to reproduce or otherwise use any WealthMeta.com or third-party trademarks.
Any feedback you provide to WealthMeta.com by using the contact page, email, forum, or otherwise, becomes the property of WealthMeta.com. WealthMeta.com is under no obligation to follow user suggestions, though we try to. Any suggestions made by you or by others through you to improve the Website or applications, or to generate, code, media, or other materials are welcome and you grant WealthMeta.com a world-wide, royalty-free, and non-exclusive license to reproduce, modify, adapt and publish the suggestion for any purpose and any works WealthMeta.com creates from that suggestion. You may request or be granted subscription time, swag, or other items for providing feedback or suggestions. These will be granted at the sole discretion of WealthMeta.com. WealthMeta.com is under no obligation to provide any form of compensation for feedback or suggestions.
WealthMeta.com may, in its sole discretion, modify or revise these Terms of Service and policies at any time, and you agree to be bound by such modifications or revisions. Your continued use of our Services will be subject to the new terms. However, any dispute that arose before the changes shall be governed by the Terms (including the binding individual arbitration clause) that were in place when the dispute arose.
WealthMeta.com may terminate your access to all or any part of our Services at any time, with or without cause, with or without notice, effective immediately. If you wish to terminate this Agreement or your WealthMeta.com account (if you have one), you may simply discontinue using our Services. All provisions of this Agreement which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.
9. Disclaimer of Warranties.
Our Services are provided "as is." WealthMeta.com and its suppliers and licensors hereby disclaim all warranties of any kind, express or implied, including, without limitation, the warranties of merchantability, fitness for a particular purpose and non-infringement. Neither WealthMeta.com nor its suppliers and licensors, makes any warranty that our Services will be error free or that access thereto will be continuous or uninterrupted. You understand that you download from, or otherwise obtain content or services through, our Services at your own discretion and risk. THE FOREGOING EXCLUSIONS AND DISCLAIMERS ARE AN ESSENTIAL PART OF THIS AGREEMENT AND FORMED THE BASIS FOR DETERMINING THE PRICE CHARGED FOR THE SERVICE.
10. Limitation of Liability.
In no event will WealthMeta.com, or its employees, officers, agents, contractors, suppliers, or licensors, be liable with respect to any subject matter of this Agreement under any contract, negligence, strict liability or other legal or equitable theory for: (i) any special, incidental or consequential damages; (ii) the cost of procurement for substitute products or services; (iii) for interruption of use or loss or corruption of data; or (iv) for any amounts that exceed the fees paid by you to WealthMeta.com under this agreement during the three (3) month period prior to the cause of action arising. WealthMeta.com shall have no liability for any failure or delay due to matters beyond their reasonable control. If the foregoing limitation of liability or denial of warranty shall be prohibited or limited by any applicable law, then only the minimum warranty or liability required by any such limiting law shall be available.
11. General Representation and Warranty.
12. US Economic Sanctions.
You expressly represent and warrant that your use of our Services and or associated services and products is not contrary to applicable U.S. Sanctions. Such use is prohibited, and WealthMeta.com reserve the right to terminate accounts or access of those in the event of a breach of this condition.
You agree to indemnify and hold harmless WealthMeta.com, its contractors, and its licensors, and their respective directors, officers, employees, and agents from and against any and all claims and expenses, including attorneys' fees, arising out of your use of our Services, including but not limited to your violation of this Agreement.
These Terms of Service were originally written in English (US). We may translate these terms into other languages. In the event of a conflict between a translated version of these Terms of Service and the English version, the English version will control.
This Agreement constitutes the entire agreement between WealthMeta.com and you concerning the subject matter hereof, and they may only be modified by a written amendment signed by an authorized executive of WealthMeta.com, or by the posting by WealthMeta.com of a revised version. Except to the extent applicable law, if any, provides otherwise, this Agreement, any access to or use of our Services will be governed by the laws of the state of Oregon, U.S.A., excluding its conflict of law provisions, and the proper venue for any disputes arising out of or relating to any of the same will be the state and federal courts located in Multnomah County, Oregon. Except for claims for injunctive or equitable relief or claims regarding intellectual property rights (which may be brought in any competent court without the posting of a bond), any dispute arising under this Agreement shall be finally settled in accordance with the Comprehensive Arbitration Rules of the Judicial Arbitration and Mediation Service, Inc. ("JAMS") by three arbitrators appointed in accordance with such Rules. The arbitration shall take place in Multnomah County, Oregon in the English language and the arbitral decision may be enforced in any court. The prevailing party in any action or proceeding to enforce this Agreement shall be entitled to costs and attorneys' fees. If any part of this Agreement is held invalid or unenforceable, that part will be construed to reflect the parties' original intent, and the remaining portions will remain in full force and effect. A waiver by either party of any term or condition of this Agreement or any breach thereof, in any one instance, will not waive such term or condition or any subsequent breach thereof. You may assign your rights under this Agreement to any party that consents to, and agrees to be bound by, its terms and conditions; WealthMeta.com may assign its rights under this Agreement without condition. This Agreement will be binding upon and will inure to the benefit of the parties, their successors and permitted assigns.
16. Stock Market Data Attribution.
We use third parties to obtain stock market data. We provide no assurances about the stock market data displayed by our Services.
You agree not to redistribute or resell stock market quote data provided by our Services.
17. GeoLite2 Attribution.
WealthMeta.com website uses GeoLite2 data created by MaxMind, available from http://www.maxmind.com.
18. Content is for Educational Purposes Only.
WealthMeta.com publishes general articles on the subject of personal finance, budgeting, net worth, risk reduction, home ownership, and other investment topics. We are not registered investment advisors or securities brokers! Wealth Meta falls under the "publisher’s exclusion" of Section 202(a)(11)(D) of the Investment Advisers Act of 1940 and corresponding state securities laws as a"bona fide news paper, news magazine or business or financial publication of general and regular circulation".
Information we provide is for educational purposes and should not be considered financial or investment advice. In our calculators and other tools we have checked the equations and code used and we think they are right. However, we offer you no guarantee of accuracy. Data, calculation results, and charts and figures are provided "as-is".
Nothing found at WealthMeta.com is an offer or solicitation to buy, sell, or trade stocks, mutual funds, options, futures, real estate or any other type of security or investment. The investment decisions you make are solely your own and based on your own judgement with guidance from your financial advisor.
It is possible to loose money when investing. Past performance does not guarantee nor indicate future results. Calculated investment results are based on simulated or hypothetical performance results that have certain inherent limitations. Unlike the results shown in an actual performance record, these results do not represent actual trading. Also, because these trades have not actually been executed, these results may have under-or over-compensated for the impact, if any, of certain market factors, such as lack of liquidity. Simulated or hypothetical trading programs in general are also subject to the fact that they are designed with the benefit of hindsight. No representation is being made that any account will or is likely to achieve profits or losses similar to these being shown.
Last updated April 13th, 2022