Tightwad Tess
Terms of Use/Disclaimer

Privacy Policy
This site does not set any web beacons or cookies. The author of this web site does not collect any personally identifiable information such as name, address, phone number, etc. from visitors to this site (unless of course you send me an email with unsolicited information about yourself in it.)

The hosting company for this site may capture some standard statistical information in their log files such as IP address, term (if the referring site was a search engine), type of browser, length of visit, pages accessed and related data of that nature.

Third party advertisers on this site, such as Google's Adsense program, may utilize cookies and/or web beacons. You may read more about Google's privacy policy here. If you would like to turn off the ability of sites you visit to set cookies on you computer, you can do so by changing your security options in your browser. Alternatively cookie options may often also be reset in your security program, such as Norton or McAfee, if you use a special program for security purposes. However, if you restrict the use of cookies for privacy reasons, so may impact your ability to interact with sites that utilize cookies.

Disclaimer and Terms of Use

1. In publishing this Web site, the owner, Tightwad Tess, makes no representations concerning the efficacy, appropriateness or suitability of any products or services for reader use. Use this site at your own risk. Articles in this site have not been written by accountants nor financial planners, and the article author(s) have no formal financial background.

2. In view of the possibility of human error, neither the owner nor any other party involved in providing this Web site, warrant that the information contained therein is in every respect accurate or complete and they are not responsible nor liable for any errors or omissions that may be found in this Web site or for the results obtained from the use of such information. The entire risk as to use of this Web site is assumed by the user.

3. You are encouraged to consult other sources and confirm the information contained within or linked to from this web site.

4. The information you access through this web site is provided "as is". No warranty, expressed or implied, is given as to the accuracy, completeness or timeliness of any information herein, or for obtaining legal advice. To the fullest extent permissible pursuant to applicable law, neither the owner nor any other parties who have been involved in the creation, preparation, posting, or delivering of this web site assume responsibility for the completeness, accuracy, timeliness, errors or omissions of said information and assume no liability for any direct, incidental, consequential, indirect, or punitive damages as well as any circumstance for any complication, injuries, side effects or other medical accidents to person or property arising from or in connection with the use or reliance upon any information contained herein or pages linked therefrom.

5. The owner and other parties involved in the creation of this web site assume no responsibility or liability for any damages, or viruses, worms, Trojan horses or other code that manifest contaminating or destructive properties that may infect your computer equipment or other property on account of your access to, use of, or browsing the web site, or your downloading of any materials, data, text, images, video, or audio from the web site.

6. The owner is not responsible for the contents of any linked site or any link contained in a linked site, or any changes or update to such sites. The inclusion of any link does not imply endorsement by the owner of this site.

The owner of this site makes no representations or claims as to the quality, content and accuracy of the information, services, products, messages which may be provided by such resources, and specifically disclaims any warranties, including but not limited to implied or express warranties of merchantability or fitness for any particular usage, application or purpose.

7. The information provided by this Web site is general in nature and is intended for educational and informational purposes only. It is not intended to replace or substitute the advice and services of an accountant or other financial professional.

8. By using this web site, you signify your assent to these terms and conditions of use. If you do not agree to these terms and conditions of use, do not use this web site. If any provision of these terms and conditions of use shall be determined to be unlawful, void or for any reason unenforceable, then that provision shall be deemed severable from this agreement and shall not affect the validity and enforceability or any remaining provisions.

9. The information, services, products, messages and other materials on this Web site, individually and collectively, are provided with the understanding that The owner of this site is not engaged in rendering financial advice or recommendations.

10. The information contained in this web site is subject to change without notice. The materials published on this web site are provided as-is without warranty of any kind and may include inaccuracies and/or typographical errors. the owner of this site makes no representations about the suitability of this information for any purpose. The owner of this site disclaims all warranties with regard to this information, including all implied warranties, and in no event shall this site owner be held liable, resulting from, or in any way related to, the use of this information.

11. The individual documents provided on this web Site are copyrighted by the owner of tightwadtess.com and may be printed for personal use only provided that they remain wholly unedited and unmodified. Permission to otherwise reprint, copy, download, save, electronically reproduce, or utilize any document on this Web site, in part or in whole, is expressly prohibited. The unauthorized alteration of the content of this Web site is expressly prohibited. The site owner and their agents and representatives shall not be responsible for any claims, actions, or damages which may arise on account of the unauthorized alteration of this web site. For copyright information on any documents linked web sites, consult the copyright instructions for those web sites.

13. The pictures and graphics contained within this Web site were obtained from a variety of sources. Many are created by the owner of the web site tightwadtess.com and may be printed for personal use only provided that they remain wholly unedited and unmodified. Permission to otherwise reprint, copy, download, save, electronically reproduce, or utilize any picture or graphic is expressly prohibited.