DebtFreeCalifornia-Logo

Terms of Use

Terms of Use

Last Updated September 2024 This website is owned and operated by TopFinances.  TopFinances or one of its subsidiaries, may provide you, (the “User” or “you”), with access to its content, resources, tools for communication, customized offers, and other services through its network of websites  (“The Service”). TopFinances provides the Service to the User, subject to the following Terms of Service, which you accept by accessing TopFinances websites. If you do not agree to these Terms of use, you may not access or otherwise use the Web Site. The following terms of use (the “Terms of Use”) regulate your use of this website provided to you by TopFinances or one of its subsidiaries, and any content, features or functionality made available from or through this web site, including any subdomains thereof, or application (the “Web Site”). TopFinances is not responsible for providing you access facilities or equipment (in any form) to its service. You, the User, also comprehend and agree that the Service may include advertisements and sponsorships and that these are necessary for TopFinances to provide the Service. You also comprehend and agree that TopFinances makes no warranty or representation about the suitability, reliability, availability, timeliness, accuracy of the information, products, services and related graphics contained within The Service for any purpose. The Service is provided “as is” without warranty of any kind. TopFinances hereby disclaims all warranties and conditions with regard to the Service.

  1. Further Description of the Service

The TopFinances website offers information related to TopFinances’ debt resolution services, personal finance tools, and other financial services, including those provided by TopFinances’ partners and affiliates. Access to and use of this website requires a connection to the world wide web, for which you are solely responsible.

  1. Eligibility

Use of the Service is limited to parties that lawfully can enter into and form contracts under applicable law. For example, minors are not allowed to use the Service. If you are 17 years of age or younger, you must immediately navigate away from this website.

  1. Acknowledgment And Acceptance Of Terms Of Service

By using the Services or otherwise accessing the TopFinances websites, you agree to be bound by all terms  of use hereof and all policies and guidelines incorporated by reference. The Service is provided to you, the User, under the terms and conditions and any amendments thereto and any operating rules or policies that may be published from time to time by TopFinances as part of the Terms of Use/Legal Disclaimer and related disclosures which are cumulatively included herein by reference. The TopFinances Terms of Use comprises the entire agreement between the User and TopFinances as pertaining to the Services and supersedes any prior agreements pertaining to the subject matter contained herein.

  1. Modification Of These Terms Of Use

TopFinances reserves the right to change any of the terms, conditions, and notices under which the Services are offered. You are responsible for regularly reviewing these terms and conditions, including changes/modifications if any incorporated by us from time to time. Your continued use of the Service constitutes your agreement to all such terms, conditions, and notices.

  1. Modification To The Service

TopFinances reserves the right to modify or discontinue, temporarily or permanently, the Service (or any part of the Service) with or without notice to the User at any time and from time to time. The User agrees that TopFinances shall not be liable to the User or any third party for any modification or discontinuance of the Service.

  1. User Conduct

As a condition of your use of the Service you, the User, agree to provide: (a) true, accurate, current and complete information about yourself as required; and, (b) maintain and promptly update the Registration Information to keep it accurate, current and complete. If you provide any information that is untrue, inaccurate, not current or incomplete, TopFinances has the right to terminate the User account and refuse any and all current or future use of the Service. TopFinances has the right to use / disclose the aggregate registration information to third parties in connection with marketing of services, subject to the privacy policy. You have also consented to TopFinances having the right to use your Registration Information to provide targeting of advertising and other service offers. This could also be used to customize the content you see, to fulfill your requests for certain products and services and to contact/inform you through e-mail or otherwise about special offers or new products.

  1. Usage Obligations

As a condition of your use of the Service you will not use the Service for any illegal purposes. You will be solely responsible for the contents of transmissions made by you through the Service. You agree not to use the Service to: (a) Obstruct or hinder the use and enjoyment of the Service by other Users; (b) Violate any applicable local, state, national, and international laws and regulations; (c) Impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity; (d) Interfere with or disrupt the Service or servers or networks connected to the Service, or defy any requirements, regulations or guidelines of networks connected to the Service; (e) Transmit or otherwise make available any material in connection with surveys, chain letters, junk e-mail, spamming, contests, pyramid schemes, or any duplicative or unsolicited messages (commercial or otherwise); (f) Upload, post, e-mail, transmit or otherwise make available any content that is unlawful, damaging, intimidating, hostile, offensive, harassing, defamatory, improper, obscene, vulgar, invasive of another’s privacy, caste related, ethnically or otherwise objectionable; (g) Upload, post, e-mail, transmit or otherwise make available any content protected by any patent, trademark, copyright or other intellectual proprietary laws unless you own or control the rights thereto or have received all necessary consents to do the same; (h) Upload files that contain viruses, worms, corrupted files or any other similar software or programs designed to disrupt, damage or limit the operation of any computer or telecommunications equipment or property of another; (i) Advertise, promote or offer to sell or buy any goods or services for any business purpose unless the Service specifically allows such messages or transactions; and (j) Reproduce, duplicate, copy, sell, resell or exploit for any commercial purposes, any portion, use or access of the Service.

  1. Links on/in The Services

The Service or third parties may provide links to other world wide web sites or resources (including, without limitation, links to sites which relate to the credentials and disciplinary history of professionals). Because TopFinances has no control over such sites and resources, you acknowledge and agree that TopFinances is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any content, information, advertising, products, or other materials on or available from such sites or resources. You further acknowledge and agree that TopFinances shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such site or resource.

  1. TopFinances’s Proprietary Rights

You acknowledge and agree that the Service and any necessary software used in connection with the service (“Software”) contain proprietary and confidential information that is protected by applicable intellectual property and other laws. You further acknowledge and agree that content contained in information presented to you through the Service is protected by proprietary rights and laws. Except as expressly authorized by TopFinances, you agree not to modify, rent, lease, loan, sell, distribute or create derivative works based on the Service or the Software, in whole or in part.

  1. Privacy Policy

Registration information and certain other information about you is subject to our online Privacy Policy. For more information, see our privacy policy, which you may access here.

  1. Limitation Of Liability

You expressly understand and agree that to the extent permitted under law, TopFinances shall not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses (even if TopFinances has been advised of the possibility of such damages), resulting from: (i) the use or the inability to use the Service; (ii) the cost of procurement of substitute goods and services resulting from any goods, data, information or services purchased or obtained or messages received or transactions entered into through or from the Service; (iii) unauthorized access to or alteration of your transmissions or data; (iv) statements or conduct of any third party on the Service; or (v) any other matter relating to the service.

  1. Indemnity

You agree to indemnify and hold TopFinances, and its subsidiaries, affiliates, officers, agents, co-branders or other partners, and employees, harmless from any claim or demand including reasonable attorneys’ fees, which any third party may make due to or arising out of content you submit, post to or transmit through the Service, your use of the Service, your connection to the service, your violations of these terms of use (whether alleged or otherwise), or your violation of any rights of another, whether direct or indirect (including without limitation claims for misrepresentation or malpractice).

  1. Special Admonitions For International Use

Recognizing the global nature of the internet, you agree to comply with all local rules regarding online conduct and acceptable content. Specifically, you agree to comply with all applicable laws regarding the transmission of technical data exported from the United States or the country in which you reside.

  1. Content Provided To The Service

TopFinances does not claim ownership of the “content” (in the form of data, text, software, music, sound, photographs, graphics, video, messages or other materials) you provide to TopFinances (including feedback and suggestions) or post, upload, privately transmit, input or submit to any TopFinances site or service for review by the general public. However, by posting, uploading, or making available content or any other material, you grant TopFinances and its affiliate sites unrestricted and irrevocable permission to use your submission in connection with the operation of their Internet businesses, including, without limitation, the rights to copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your submission, and to publish your name in connection with your submission.

  1. Applicable Law

By visiting TopFinances websites, you agree that the laws of the State of Massachusetts, without regard to principles of conflict of laws, will govern this Agreement and any dispute of any sort that might arise between you and TopFinances.

  1. Contact Us

If you have any questions about these Terms of Use, please contact us at support@TopFinances.org
logo
Important Disclaimer: Saving&SpendingTips makes every effort to ensure the accuracy and timeliness of the information provided. However, the content on this website may vary from what is presented by financial institutions, service providers, or specific product websites. All financial products, services, and shopping recommendations are provided ‘as is’ without any warranty, express or implied. When considering offers, please review the applicable financial institution’s Terms and Conditions. Pre-qualified offers are non-binding and subject to the institution’s final approval.
Saving&SpendingTips operates as an independent, advertiser-supported website and may receive compensation for links to certain products and services featured on this site. The opinions expressed herein are solely those of the author and have not been reviewed, approved, or endorsed by any third party. Offers are subject to change without notice.
Saving&SpendingTips does not guarantee that your debt will be reduced by a specific amount or percentage, nor can we guarantee that you will achieve a debt-free status within a particular timeframe. We do not assume responsibility for consumer debts, make payments to creditors on your behalf, or provide tax, bankruptcy, accounting, legal, or credit repair services. Additionally, some services may not be available in all states.
If discrepancies arise with your credit score or information contained in your credit report, you are advised to contact the relevant credit reporting agencies directly.