Terms

TERMS OF USE

The information that follows applies to From Ramen to Riches: Building Wealth in Your 20s (“the book”) and this web site.

Disclaimer

I am not a financial professional. I wish I could say something cool like, “I am not a financial professional, but I play one on TV.” Sadly, I haven’t seen any casting calls for leading roles as an accountant or financial planner. Besides, I can’t act.

I’m just a geek with a calculator who is passionate about personal finance. I started as a financially clueless 21-year old who made many mistakes with money. I slowly learned on my own how to save, manage, and invest. Now in our 50s, my wife and I are debt-free, own a house free and clear, and have built a retirement portfolio that will comfortably sustain us in the coming years.

The book and this web site are written from one consumer to another, discussing an approach to managing your money using commonly accepted rules of thumb. At times, I will offer opinions based on my experience managing my own money. You should accept or disregard those opinions as appropriate for your circumstances.

The book and this web site is for informational purposes only. The contents are not intended to be investment, legal, insurance, tax, or financial advice and should not be construed as such. I am not a financial professional and make no claims to be one. This material is not intended to replace the advice of a qualified professional, nor are the contents intended to cover every subject area available in a professional financial planning curriculum. The reader should seek the advice of a qualified professional as appropriate.

The contents of these publications (book and web site) are intended to help readers educate themselves about personal finance. While every effort has been made to assure accuracy as of date of publication, there is no guarantee explicit or implied.

Neither the author nor the publisher shall have any liability or responsibility with respect to any loss or damage caused, or alleged to be caused, directly or indirectly by the information contained in this book.

Privacy Policy

This web site does not collect personally identifying information, unless the user chooses to fill out the “Contact Us” form or replies to a blog post. We will never sell or rent your personal information if provided to us.

Data collection

This site may collect information that is not personally identifiable for purposes of improving our service. Examples include: domain name, referring link, page views, time spent, browser, etc. The site uses cookies to store information, such as your preferences. If you wish, you can configure your browser to disable cookies.

User generated content

You grant us a perpetual non-exclusive, royalty-free license to use, copy, publish, and distribute your submissions in any form on our site.

You are solely responsible for the content of your submissions. We reserve the right to delete or edit any submission, that in our sole discretion, is deemed abusive, obscene, defamatory, in violation of copyright law, or is otherwise inappropriate. Similarly, any user generated submissions that are not consistent with the educational and informational nature of this site may also be edited or deleted. This includes, but is not limited to, comments (positive or negative) about a particular company’s stock and speculation about the direction of financial markets.

Third party sites

The contents of any third-party websites referenced in the book or on this site are the responsibility of those parties and not the author or publisher of the book or this web site. Information about third-party websites, companies, and products is provided for the reader’s convenience and does not necessarily convey a recommendation or endorsement.

This site contains links to third parties, who are responsible for their own content and for the information they collect. Third parties may serve content and advertisements, collect information directly from visitors, and place or recognize cookies on visitors’ browsers. When leaving our site, be aware that our terms and conditions no longer govern, so you should review the terms and policies of that site.

We are 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. Amazon and the Amazon logo are trademarks of Amazon.com, Inc. or its affiliates.

Intellectual property

The contents of this site are protected by copyright. The information is for personal, non-commercial use. Contents may not be distributed or reproduced without the written permission of The Tannywood Group, Inc. Linking (or deep linking) to this site is permitted.

Product and company names mentioned herein may be the trademarks of their respective owners.

Indemnification

User agrees to defend, indemnify, and hold The Tannywood Group, Inc., its officers, directors, employees, licensees, and successors harmless from any and all liability from any loss, direct or indirect, from use of this site. Any dispute will be adjudicated in state or federal court in San Diego county, California, according to the laws of the state of California.

Policy changes

We may be obligated from time to time to update these terms. Changes will be posted at this location. User agrees to review this page from time to time for any updates.

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