Terms of Use

Effective Date: July 1 2023

This page outlines our Terms of Use for the use of this Site; please read carefully before browsing or using it as these Terms contain important information about Our Site usage. 

This website (collectively, this "Site") is owned by MoneyBend.com and is operated by Ebru Krstic. This page discloses Our Terms of Use for MoneyBend’s (also referred to as “We”, “Us” or “Our”) website, and by using this Site, you hereby fully comply with and accept everything contained within this Terms of Use Page, including  Privacy Policy, Disclaimers, and Policies mentioned or referenced to herein (collectively, these “Terms”), without any exceptions. These Terms of Use apply to all internet properties under Our name (MoneyBend.com), including, but not limited to, www.moneybend.com; other Services including any of Our social media profiles (under both usernames “MoneyBend” and “moneybenddotcom”); Our own online e-books (note that we do not partner with any other companies or authors for e-books or any other types of online material) and all other Services provided by Us (including but not limited to all functionalities and advertising) across all digital platforms whether via computer, mobile, or any other tablet or handheld device (together, referred to as Our “Services”).

These Terms of Use, Our Privacy Policy, Disclaimers, Earnings Disclosure, Affiliate Disclosure, Comment Policy, Cookie Policy, and Returns and Refunds Page all constitute the sole and entire Agreement between Our users (you) and MoneyBend.com. By browsing, accessing, and using www.moneybend.com, you hereby understand, agree, and comply with this entire Agreement. This Agreement contains warranty disclaimers and other warnings that limit our liability to you. Please read these Terms closely and carefully in their entirety, as accessing, browsing, and using our Site and Services constitutes acceptance towards these Terms of Use.

If you do not accept any aspect of Our Terms of Use or Privacy Policy or are unwilling to be bound by them, do not access, browse, or use any part of Our Site or any of Our Services. We recommend that you review Our Terms of Use and Privacy Policy Pages whenever you wish you browse, use, or access any part of our Site to stay informed. We ask that you read through these Terms with caution and care.

 

Privacy Policy

Our Privacy Policy, which also dictates your visit to www.moneybend.com, is considered a part of this Agreement and can be found here. This Policy contains information about MoneyBend’s data protection practices and the usage and protection of collected personal information. If you do not accept to be bound by all Terms of this Agreement, do not use this Site or any of Our Services. By continuing to use Our Site and Services, you hereby consent to all Terms stated within this Terms of Use Page, Our Privacy Policy Page and all parts of this Agreement.

 

Future Changes

MoneyBend reserves the right to change and make edits to Our Terms of Use at any given time without any notice. The “Effective Date” at the top of this page will update to reflect the most recent changes made to these Terms of Use; therefore, it is recommended you check back regularly to remain well-informed of our Terms.

If you deem any changes made to Our Terms of Use or Agreement unacceptable, you must no longer use Our Site or any of Our Services. By continuing to use Our Site and Services after the “Effective Date”, you are automatically in agreement with any changes made and consent to the new Terms and Policies.

 

Modifications to Site

We reserve the right to modify, delete, discontinue, or move this Site and any information and features on it without any prior notice for any given reason.

 

Age Restrictions

We do not provide information to minors, so, by accessing, browsing, or using Our Site and/or any of Our Services, you confirm that you are 18 (or at the least 13 years and above with the active involvement and supervision of a parent or guardian over the age of 18) or older. You warrant that you are able to enter into a legally binding contract under applicable law. Under no circumstance do We provide any form of information or Service to any individual under the age of 13.

No purchases of any form (of either Our products, through affiliate links, or through any advertisements on Our Site) should be made through MoneyBend.com by any individual under the age of 18. When making any purchase, you represent and warrant that you are at least 18 years of age.

 

Legal Compliance 

You agree to adhere to the following domestic and international laws, statutes, rules, and regulations applicable to your use of Our Site, Services, and any software and/or applications provided therein.

 

Limited License

Subject to your compliance with Our Terms, We grant you a personal, revocable, non-exclusive, limited, non-transferable and non-sublicensable license to browse, access, and use Our Site and Services online in accordance with your ongoing compliance and acceptance with these Terms of Service, Our Privacy Policy and this Agreement. Your use of www.moneybend.com is solely for non-commercial, personal, and internal purposes following this Agreement. This license does not permit you to use Our Site for;

• Resale or commercial purposes of any of Our content
• Extracting data, robots, or other data gathering and/or extracting methods
• Speaking from Our perspective or writing articles and/or reviews using Our name (including www.moneybend.com, MoneyBend, and MoneyBend.com)
• Using, framing, or transmitting Our trademark, logo, content, or other proprietary content (including images, infographics, graphs, layouts/designs, and other forms of content presented on Our Site) without Our express written consent
• Use Our name or trademark in any meta tags or any other "hidden text"
• Using any part of Our Site and/or Services (electronic or print-out) in a litigation or arbitration matter
• Presenting Us in a false, misleading, derogatory, or offensive manner to others

You may print or download pages, posts, or blogs from MoneyBend solely for your own personal and non-commercial use, with the exception that you do not remove any MoneyBend marks or logos and you do not further reproduce or distribute MoneyBend content.

If, in violation of these Terms of Use, you print, reproduce, alter, download, or otherwise use or give access to any portion of Our Site and/or Services to any other individual, your right to use Our Site and Services will end immediately. You must, at our discretion, return or delete any copies of the materials you have created.

No right, title, or interest, in or to Our Site and Services, or any content or material found in the Site or Services shall be passed to you, and MoneyBend retains all rights not specifically granted. Any use of the Services not expressly allowed or permitted by these Terms of Use shall account for a violation of these Terms of Use and may infringe copyright, trademark, and other laws.

 

Termination of License

A breach in any of these Terms will result in the immediate revocation of this limited license granted. MoneyBend reserves the right to restrict and/or terminate any user’s access to our Site, any Services, and this License at any time for any reason. We also reserve the right to restrict and/or terminate any users’ access to our Site, any Services, and this License at any time if we deem that you are in breach of this Agreement (including Our Terms of Use, Privacy Policy, Disclaimers, and Other Policies).

 

Intellectual Property Rights

All content on this Site, including photographs, text, images, graphs, infographics, downloadables, e-books, icons, audio clips, software, source code and other digital media, content (excluding user content), all improvements or modifications of Our content, the arrangement and layout of Our Site, all copyrighted content, trademarks, and other intellectual property and property rights (collectively, “Our Intellectual Property”) are owned and licensed by Us or Our licensors and are all protected by copyright, trademark, trade secret, and other intellectual property laws.

‘MoneyBend’, ‘MoneyBend.com’, and all of Our other trademark logos, slogans, and taglines are all Our Property. All other trademarks, service marks, logos, slogans, and taglines are their respective owners’ property. You may use Our trade name, tagline, and service content in connection with Our Site to promote, advertise, and review our brand name or Site. Excluding the limited license rights expressly granted to you, you may not under any circumstances re-upload, publish, or redistribute any purchased material or Services from Our Site to any third-parties, other sites, hard drives, printouts, scanned documents, and any other forms of documentation and distribution to any other people.

Any use of any content mentioned above without Our expressed written consent is strictly forbidden. Under no circumstances are you allowed to use Our trademarks or Services in connection with any product or service in any relative manner that is likely to cause confusion, belittle or discredit Us, or in meta tags without Our prior written consent. Nothing is considered a granted license or right to use Our trademarks, service marks, logos, slogans, and taglines except for a direct, written consent written by Us (MoneyBend), not any third-parties, partners, or affiliates.

Your Obligations

You accept that you will not (and you agree to not allow any other individual or organisation using your name and credentials to);

• Download, modify, edit, interpret, adapt, publicly display, reverse engineer, create derivative works based upon, sell, license, rent, or in any way commercially exploit any portion of this Site, unless expressly permitted or mentioned in these Terms
• Remove any trademark, copyright or other proprietary rights notice contained in or on this Site and any of its pages and posts
• Spread or transmit files, graphics, software or other material, data, or work that infringes the trademark, copyright, or any other intellectual property rights of any person, organisation, or company
• Use any illustrations, photographs, video or audio sequences, or any graphics separately from the corresponding text on any of Our posts and pages
• Use any robot, spider, site search/retrieval application, or other devices to retrieve or index any portion of this Site
• Collect any personally identifiable information (including usernames, email addresses, and any other form of user information and credentials) about any other users for any reason other than to seek or share reviews and feedback with other users
• Comment, email, or purchase content under accounts by automated means or under false and fraudulent intentions
• Intentionally interfere with other users’ enjoyment and usability of this Site
• Intentionally post spam comments, questions, or emails to disrupt Our Site’s usability and functioning
• Reformat or frame any portion of any pages, blogs, and posts that are a part of this Site
• Submit to this Site any material or content that wrongly claims or implies that we are sponsoring or promoting your content
• Submit a comment, question, or email any content to Us or Our Site containing any virus, worm, bug, defect, malware, Trojan horse, software bomb, or any other function designed to damage or degrade the performance of this Site
• Use this Site to breach or gain unauthorised access to any computer or computer network or other device systems (including unauthorised attempts to discover passwords or security encryption codes)
• Submit any content that is unlawful or facilitates, constitutes, promotes, or encourages illegal activity to this Site
• Use this Site to transfer or store any form of illegal material (including any material deemed threatening or obscene)
• Copy or store any user-submitted content (either comments, questions, inquiries, or feedback) presented on this Site other than for your personal, non-commercial use
• Take any measure that, at our absolute discretion, imposes or can place an unreasonable or excessively high data or traffic burden on this Site or the IT infrastructure that enables us to run and maintain this Site
• Purchase search engine or other pay-per-click keywords (such as Google AdWords), or domain names that use MoneyBend, MoneyBend.com, any MoneyBend trademarks, and variations thereof
• Use this Site or any user content, intentionally or unintentionally, to violate any applicable laws (including, but not limited to, copyright laws) at local, regional, federal, or international levels

We may suspend your use from Our Site and blacklist your IP with or without notice and without liability if we find that;

• You are using Our Services in violation of this Agreement
• You refuse to cooperate with Us, should we choose to investigate any suspected violation of this Agreement
• We are required to by law or a regulatory or government body to suspend your use of Our Site or;
• There is another case in which We reasonably believe that your suspension is necessary to protect Our other customers

We will give reasonable efforts to provide you with prior notice to any suspensions unless We determine that a suspension shorter or without notice is necessary to protect Us or Our other customers from danger.

YOU REMAIN SOLELY ACCOUNTABLE FOR THE SECURITY OF YOUR ACCESS AND USE OF WWW.MONEYBEND.COM; YOU REMAIN RESPONSIBLE WHETHER OR NOT SAID ACCESS OF OUR SITE WAS AUTHORISED BY YOU. THE MENTIONED ACCESS INVOLVES BUT IS NOT LIMITED TO ALL COMMUNICATIONS (THROUGH EMAIL OR OUR CONTACT FORUM) AND COMMENTS MADE ON OR TO OUR SITE, TRANSMISSIONS AND DOWNLOADS (INCLUDING ALL FINANCIAL TRANSACTIONS AND DOWNLOADS OF PURCHASED CONTENT) SUSTAINED THROUGH THIS ACCESS OR USE.

 

Unlawful Activity

We reserve the right to investigate any complaints, allegations, reports, or possible violations of this Agreement and to take any necessary steps that we find reasonable, including, but not limited to, reporting to law enforcement officials, regulators, or other third-parties any suspicious criminal conducts or any unlawful activities and disclosing any information required or appropriate to those individuals or organisations. This information includes any information or entities pertaining to your profile, email address, user history, posted materials, IP address, and traffic information.

 

Content

MoneyBend.com does not provide advice or financial recommendations in any way, shape, or form. You are entirely responsible for your own personal finances and should never rely on Our Site or any of the content (including products, pages, articles, affiliate links, infographics, charts, and other visuals and examples) found on Our Site for any final financial decisions. MoneyBend.com is nothing more than a blog, providing opinion-based information for users to read.

All content (including but not limited to pages, articles, e-books, infographics, graphs, and other visuals) presented on Our Site is purposed for educational and informational purposes only and should not be acted upon without consulting a professional financial advisor. You should not, under any circumstances, replace or substitute the information on Our Site with your own financial advice received from your own personal financial advisor. By using Our Site, you agree and acknowledge that following Our presented techniques, suggestions, tips, ideas, templates, or strategies may not result in success. Therefore, you cannot hold Us responsible for any consequences or outcomes resulting from the use of Our material. Any authors, contributors, owners, and partners of this Site cannot be held responsible for the accuracy, errors, reliability, or completeness of the content contained on Our Site. All examples mentioned using any particular product or financial market stock or securities are for illustrative and educational purposes only. Therefore, all authors, contributors, owners, and partners of this Site do not accept any responsibility for any liability, injury, or damage caused by the use of Our Site’s content.

BY USING AND ACCESSING WWW.MONEYBEND.COM, YOU UNDERSTAND THAT THE USE AND APPLICATION OF OUR MATERIAL TO YOUR OWN LIFE IS SOLELY AT YOUR OWN RISK. YOU ARE SOLELY RESPONSIBLE FOR YOUR OWN ACTIONS. WE CANNOT BE HELD ACCOUNTABLE FOR ANY OUTCOMES FROM THE USAGE OF OUR CONTENT AS WE DO NOT PROVIDE ANY FORM OF ADVICE OR FINANCIAL RECOMMENDATIONS. ALL CONTENT ON OUR SITE IS PROVIDED ‘AS IS’ AND WITHOUT WARRANTIES OF ANY KIND.

 

Linking to Our Site

You may link to Our Site if you do so in a manner that is both equitable and legal and does not damage or exploit Our reputation. You may not:

• Construct the link in such a way to imply some sort of affiliation, permission, promotion, or endorsement from Us, unless Our prior written consent is obtained
• Delete or obscure any aspect of Our Site when linking to it
• Link to Our Site if your website engages in any illegal or pornographic activities

You agree that you will also immediately delete all links and cease linking to Our Site should We request for you to do so.

 

Advertisements

This Site may contain advertisements. The use of advertising on Our Site does not mean that the products or services advertised are endorsed. You understand, acknowledge, and agree that clicking on these advertisements and accessing the sites they link to are completely at your own risk. MoneyBend shall not be liable for any loss, damage, injury, or harm caused by the inclusion of such advertising on Our Site.

 

Comments

Any comments made on any of Our blogs, posts, and Services are considered non-proprietary. By publicly commenting on Our Site and any of Our Services, you hereby grant Us, Our employees, agents, consultants, representatives, and affiliates, for any reason whatsoever (commercial or otherwise) a worldwide, non-exclusive, permanent, royalty-free, fully-paid, sub-licensable, and transferrable right and permission to implement, use, distribute, transmit, copy, edit, translate, reformat, publicly display, and republish your comment without your acknowledgement or any compensation. Refer to Our Comment Policy for more information.

 

Your Feedback

Any queries, thoughts, ideas, beliefs, opinions, recommendations, feedback, or other knowledge related to Us or any of Our products and Services (collectively “Your Feedback”) conveyed to Us through email, Our Contact Us page, through a comment, or any other form of communication is considered non-confidential and non-proprietary. You hereby grant Us, Our employees, agents, consultants, representatives, and affiliates, for any reason whatsoever (commercial or otherwise) a worldwide, non-exclusive, permanent, royalty-free, fully-paid, sub-licensable, and transferrable right and permission to implement, use, distribute, transmit, copy, edit, translate, reformat, publicly display, and republish Your Feedback without your acknowledgement or any compensation.

 

Purchases

All purchases through Our Site must be made via credit card, debit card, or PayPal. No other methods of payment are accepted. By making any purchase with Us, you represent and warrant that any payment information you provide is true and complete, that your bank or credit card company will honour charges incurred by you, and that you will pay the full amount incurred to you by the posted prices, including any applicable taxes. Only Services, downloads, and products labelled as “free” or “no charge” are free or without charge.

Card information (including card numbers) should only be submitted to Us through Our online checkout form and never by email, phone, comment, or any other means of communication. We are not responsible for any stolen card information should you choose to comment your card details publicly or send them to Us via email or phone. If you purchase through Our Site, you agree to allow Us or Our third-party service providers to store your payment information.

MoneyBend reserves the right to change Our prices at any time without prior notice.

 

Affiliate Links

This Site may contain affiliate links to products, pages, or services on a third-party site for financial compensation. If you choose to purchase a product or sign up for a service on said site, We will receive a commission fee. You will not in any way be charged any additional fees as a result of this commission and are not obliged to click on any link or buy any products or services that are advertised or suggested.

Although We may have partners and provide you with these affiliate links, We have no control over their websites and products/services; they are solely accountable for their own content. MoneyBend and any of its employees cannot be held responsible for any information, products, or services offered on these external sites and for any of the damages that may result from them. By clicking on these affiliate links, you understand and agree that it is your responsibility to do appropriate research before purchasing or participating in any third-party offers.

MoneyBend.com is also a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com. As an Amazon Associate, We earn from qualifying purchases through these affiliate links.

Read our Affiliate Disclosure for further information.

 

Third Party Services

Our Site may contain links and access to other websites that are owned and run by third-parties. By clicking on these links, you understand, acknowledge, and agree that We are not responsible for the operation or the content presented on the site. You may be asked to present your details, create an account with, or log in to an account on any of these third-party websites; by doing so, you understand that this account is solely between you and said third-party website and has no relation to Us. You also understand that these third-party sites will have a different Terms of Use and Privacy Policy to MoneyBend.com and that it is your responsibility to read, agree, comply with, and abide by those Terms. MoneyBend has no control over the legal documents of these third-party sites, and by including these links, it does not mean that We guarantee, endorse or warrant the legal pages of these third-party sites.

By clicking on these links on Our Site, you understand and agree that We are not responsible for any liabilities, injury, damage, or loss as a result of accessing, browsing, using, and purchasing from these third-party sites. You click on any link and access any third-party website at your own risk. We recommend you read their legal documents and privacy practices to be fully informed on the type of information they gather and how it is used.

 

Electronic Communication

When you send Us an email (at info@moneybend.com), contact Us through Our contact form on Our Contact Us Page, or subscribe to Our mailing list and/or Our newsletter, you agree to receiving electronic communications from Us, and you consent to Us communicating with you via emails and notices on Our Site. You accept that everything We electronically provide you with, including all Agreements, notes, disclosures, and other communications meet any legal requirements that such communications be in writing.

 

Geographic Location

MoneyBend is based in the state of Victoria in Australia. The information We provide is in compliance with the rules, laws, and currency in Australia. If you access Our Site from outside of Australia, you do so at your own risk and with the knowledge that the rules, laws, and currency may not be the same in your own geographical location. You are responsible for adhering to the laws and rules in your own geographical location. By agreeing to Our Terms of Use, you acknowledge and agree that you cannot hold MoneyBend.com responsible for any liability, injury, and damage caused due to your use of Our content from outside of Australia.

 

Severability

If any section of this Agreement is found to be void, null, or unenforceable for any reason, that portion shall be deemed several and shall not affect the validity and enforceability of any remaining provision. To the extent that any material is in dispute or conflicting with this Agreement, this Agreement shall take priority. Our inability to enforce any provision of this Agreement shall not be perceived to be a violation of that provision or of the right to enforce it.

 

Disclaimer of Warranties

You understand, acknowledge, and agree that MoneyBend, its employees, and all partners and associates shall not be liable or accountable in any way whatsoever for any content or material posted on, or in association with, our Services on Our Site, by users on Our Site, or by MoneyBend or any of its affiliates. You expressly understand and accept that the use of Our Site and Services is at your own risk and that the Services are given “as is”, “as available”, and “with all faults”. WE DISCLAIM ALL WARRANTIES, CONTRACTUAL, EXPLICIT OR IMPLIED, INCLUDING, BUT NOT LIMITED TO ANY IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, HEALTH FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.

Although this Agreement binds all users, We do not or cannot control how Our users use this Site and its Services. Whilst We moderate all comments before they are posted on Our Site, we cannot control what Our users post, transmit, or share on or relating to Our social media and other digital media and platforms. As a result of this, We are not responsible or liable for any offensive, insulting, inappropriate, obscene, unlawful, or otherwise unacceptable content or material that you may encounter using our Site and Services. MONEYBEND IS NOT RESPONSIBLE FOR THE ONLINE OR OFFLINE BEHAVIOUR AND ACTIONS OF ANY USER OF OUR SITE OR SERVICES.

By downloading any files or other forms of electronic media from Our Site, you understand and recognise that We cannot and do not guarantee or warrant that said files and media will be free of viruses or other destructive code. You are responsible for guaranteeing your own safety and implementing sufficient anti-virus protection and other protection methods when browsing the internet and Our Site. WE ARE NOT ACCOUNTABLE OR LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY ANY VIRUSES, DANGEROUS TECHNOLOGIES, OR ANY OTHER FORM OF MALICIOUS MALWARE OBTAINED THROUGH YOUR USE OF OUR SITE, ANY OF OUR SERVICES, OR ANY RESOURCES, SITES, OR PRODUCTS ACCESSED THROUGH AND RELATED TO OUR SITE OR SERVICES. WHEN USING OUR SITE AND SERVICES, YOU ACKNOWLEDGE AND UNDERSTAND THAT THERE ARE RISKS INBUILT IN INTERNET USAGE AND CONNECTIVITY AND THAT SUCH ACTIVITY MAY RESULT IN THE LOSS OF YOUR PRIVACY, CONFIDENTIAL INFORMATION, AND PROPERTY. WE ARE NOT ACCOUNTABLE OR LIABLE FOR ANY TECHNICAL MALFUNCTION, TECHNICAL DIFFICULTIES, FAILURES, DAMAGES TO YOUR DEVICE, COMPUTER, OR OTHER HARDWARE, OR ANY OTHER PROBLEMS RELATING TO OUR SITE, SERVICES, EMAILS, OR ANY COMBINATION THEREOF.

MONEYBEND, ITS EMPLOYEES, AND ALL PARTNERS AND ASSOCIATES MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY, COMPLETENESS, SECURITY, RELIABILITY, QUALITY, OR AVAILABILITY OF OUR SITE, SERVICES, LINKS ON OUR SITE, AND THE WEBSITES ASSOCIATED WITH US.

Referral or relation by trade name and/or trademark to any products, services, or other information does not constitute or imply endorsement, sponsorship, recommendation, or any affiliation with our Site or Services by third-parties unless explicitly stated as such.

NO INFORMATION OR RESOURCES PRESENTED ON THIS SITE BY US OR OUR AFFILIATES CONSTITUTES, OR WILL EVER CONSTITUTE, AS PERSONAL, LEGAL, OR FINANCIAL ADVICE. BY BROWSING, READING, OR ACCESSING OUR SITE, YOU ACKNOWLEDGE AND AGREE THAT ANY INFORMATION, CONTENT, DATA, DOWNLOADS, OR PURCHASES DO NOT ACT AS A SUBSTITUTE FOR THE FINANCIAL KNOWLEDGE, SKILL, OR JUDGEMENT OF A PROFESSIONAL FINANCIAL ADVISOR. IT IS YOUR OWN RESPONSIBILITY TO OBTAIN SUCH ADVICE FROM A PROFESSIONAL AND SHOULD YOU CHOOSE TO FOLLOW THE INFORMATION, CONTENT, TIPS, STRATEGIES, OR ANY OTHER FORM OF MATERIAL ON THIS SITE, YOU CHOOSE TO DO SO AT YOUR OWN RISK. MONEYBEND AND OUR AFFILIATES HAVE NO LIABILITY WHATSOEVER FOR YOUR USE OF OUR SITE AND/OR SERVICES. IN NO WAY DO WE GUARANTEE OR PROMISE ANY RESULTS FROM THE USE OF OUR SITE, SERVICES, AND CONTENT AND ARE NOT RESPONSIBLE FOR ANY OUTCOMES SHOULD YOU CHOOSE TO PUT THIS INFORMATION INTO PRACTICE. AS A RESULT, YOU SHOULD EXECUTE CAUTION WHEN APPLYING SUCH CONTENT.

FURTHERMORE, WE DO NOT MAKE ANY WARRANTIES OR REPRESENTATION THAT THE SERVICES PROVIDED BY US ARE ACCEPTABLE, APPROPRIATE, AVAILABLE, OR ACCESSIBLE FOR USE IN ALL GEOGRAPHIC LOCATIONS. YOU USE OUR SITE AND SERVICES AT YOUR OWN RISK.

For repair, maintenance, or other purposes, Our Site and/or Services may temporarily be inaccessible from time to time. During these periods, MoneyBend assumes no responsibility for any malfunction, omission, interruption, loss, deletion, flaw, delay of service or access to, or modification of any user content including, but not limited to, any comments, emails, or submissions to Our “About Us” page.

THESE DISCLAIMERS AND STATEMENTS OF REPRESENTATIONS AND WARRANTIES SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW AND SHALL SURVIVE ANY EXPIRATION OR CONCLUSION OF THIS ARRANGEMENT OR YOUR USE OF OUR SITE AND/OR SERVICES. NO INFORMATION OBTAINED FROM US BY YOU THROUGH OUR SITE AND/OR SERVICES WILL CREATE ANY WARRANTY, GUARANTEE, OR REPRESENTATION NOT SPECIFICALLY EXPRESSED OR STATED IN THIS AGREEMENT.

 

Limitation of Liability 

IN NO EVENT WILL MONEYBEND, ITS AFFILIATES OR THEIR LICENSORS, DIRECTORS, THIRD-PARTIES, EMPLOYEES, AGENTS, AND OFFICERS BE LIABLE TO YOU OR ANY PARTY OR THIRD PERSON RELATING TO YOU FOR ANY DAMAGES, LOSS, OR DESTRUCTION OF ANY KIND ARISING FROM YOUR USE OF, OR INABILITY TO USE, THIS SITE, ANY WEBSITES LINKED TO IT, CONTENT, SERVICES, OR ANY DOWNLOADED OR PURCHASED CONTENT, EVEN WE HAVE BEEN PREVIOUSLY ADVISED OR ARE AWARE OF THE POSSIBILITY OF ANY DAMAGES. YOU HEREBY AGREE TO HOLD US AND EACH OF OUR AFFILIATES OR THEIR LICENSORS, DIRECTORS, THIRD-PARTIES, EMPLOYEES, AGENTS, AND OFFICERS HARMLESS FROM ANY AND ALL CLAIMS, DEMANDS, AND DAMAGES OF EVERY KIND.

YOUR SINGLE AND EXCLUSIVE REMEDY IS TO CANCEL YOUR USE OF OUR SITE AND/OR OUR SERVICES SHOULD YOU FEEL DISSATISFIED, UNHAPPY, OR WISH TO CHALLENGE THESE TERMS OF USE AND/OR OUR CONTENT, EVEN IF THAT RIGHT OR REMEDY IS DEEMED TO FAIL TO SERVE ITS ESSENTIAL FUNCTION. YOU CONFIRM THAT MONEYBEND HAS NO OTHER OBLIGATION, LIABILITY, OR RESPONSIBILITY TO YOU OR ANY OTHER PARTY (BOTH ASSOCIATED AND DISSOCIATED WITH YOU).

 

Indemnification

You agree to indemnify, defend, protect, and hold Us, Our partners and affiliates, directors, third-parties, officers, employees, and agents harmless and free from any liability, loss, claims, demands, actions, causes of action, suits, and expenses (including reasonable attorneys’ fees and fees attributable to in house legal personnel) related to your violation of this Agreement and your use of Our Site and Services.

 

Governing Law

These Terms of Use, everything contained within this Agreement, and all matters regarding your use of Our Services shall be governed by, interpreted, and constructed in accordance with, and enforced by the laws of the State of Victoria, Australia.

YOU ALSO AGREE THAT ALL ACTIONS, SUITS, OR PROCEEDINGS RELATING TO THE BREACH OR MISUSE (FROM EITHER OUR SITE USERS OR US) OF THESE TERMS OF USE AND PRIVACY POLICY MUST BE LITIGATED AND DEALT WITH SOLELY AND EXCLUSIVELY IN MELBOURNE, VICTORIA, AUSTRALIA.

 

Disclaimers 

The Site, including all Site content and Services provided by Us or in connection with Us, are presented "as is" and "with all faults" without any warranties or conditions of any kind, either expressed or implied.

MoneyBend does not represent or warrant that Our Site is accurate, complete, error-free, or reliable; therefore, you browse, access, or use Our content at your own risk. We do not represent or warrant that this Site and/or Our servers are free from any viruses, bugs, or any other form of harmful component. View Our Disclaimers Page for more information.

 

Additional Policies

All of the following policies are incorporated into this Agreement. You must comply with, acknowledge, understand, and agree with all of these policies if you wish to access, browse, or use www.moneybend.com.

Our Privacy Policy contains details on how we gather, use, disclose, and manage our users’ data.

Our Comment Policy helps Our visitors and users to understand what is and what is not acceptable when commenting on Our blog.

Our Affiliate Disclosure explains what affiliate marketing is and how We use this on Our Site.

Our Earnings Disclosure explains our income streams and how we earn money.

Our Disclaimers Page explains Our responsibilities and accountabilities.

 

Questions

Any questions or concerns regarding these Terms, Our Privacy Policy, Disclaimers, or any other Policies can be sent through to Our Contact Us Page or emailed directly to us at info@moneybend.com.

 

Miscellaneous 

As a result of these Terms, no agency, partnership, joint venture, or employment arrangement is established or created with Us, and you have no authority to bind Us in any respect whatsoever. These Terms are automatically deemed accepted by you, should you continue to access, browse, or use Our Site and Services. Our failure to exercise or enforce any right or provision of these Terms shall not constitute a waiver of the enforcement of such right or provision.

These Terms are not assignable, transferable, or sub-licensable by you, except with Our prior written consent. These Terms are a part of an Agreement you have with Us when you choose to access, browse, or use Our Site, including Our Privacy Policy, Disclaimers, and all other Policies (as listed above).

 

Entire Agreement

These Terms of Use, Our Privacy Policy, Disclaimers, Earnings Disclosure, Affiliate Disclosure, Comment Policy, Cookie Policy, and Returns and Refunds Page all constitute the sole and entire Agreement between Our users (you) and MoneyBend.com.

By browsing, accessing, and using www.moneybend.com, you hereby understand, agree, and comply with this Agreement in its entirety.