Date of Last Amendment: December 12, 2021.

Wallet Manual collects and presents financial information and offers in one convenient place. Thank you for visiting our Website. We hope you enjoy your time here and that you find some useful information. We also hope you come back regularly!

As applicable, “Wallet Manual” includes our shareholders, directors, officers and employees, contractors, subcontractors, freelance content contributors, agents, representatives, successors, and assigns.

Please review these Terms of Use (“Terms”) carefully. They apply to everyone who visits or uses the Website. By visiting or using the Website, you agree to these Terms. In other words, these Terms, along with the Privacy Policy, are a binding legal contract between you and us. Subscribing to our newsletter is an example of using the Website.

If you cannot agree to these Terms or our Privacy Policy, do not use the Website. If you have any questions about these Terms, contact us at contact@walletmanual.com. For information about our data practices, please see our Privacy Policy and Californian Privacy Policy.

Please note that, at our discretion, we may amend these Terms without notice. Please check these Terms from time to time. If the Date of Last Amendment is more recent than your last visit, please review them again. Your continued use of the Website after an amendment means you accept the new Terms.

We provide free information and content to consumers on financial products, including bank accounts, mortgages, credit cards, automobile loans, money market accounts, certificates of deposit, banking and ATM fees, home equity loans, student loans, and investment vehicles. However, we are not financial advisors. You are responsible for your financial decisions. We do not endorse or recommend any products or services and we are not an agent or advisor for you or any of the Service Providers mentioned on the Website, including those to which we provide a link.

Disclaimer regarding information provided on the Website. None of the information found on the Website is financial advice. You should never treat any commentary, recommendation, or referral (link) on the Website as a substitute for financial advice. You should only seek and accept financial advice from a certified professional familiar with your unique needs and circumstances. Certified Financial Planner (CFP®), Chartered Financial Analyst (CFA®), Chartered Financial Consultant (ChFC®), Chartered Mutual Fund Counselor (CMFC®), Certified Insurance Counselor (CIC®), and Chartered Life Underwriter (CLU®) are examples of professional designations that provide evidence an advisor is knowledgeable and experienced in their field.

We do our very best to keep the information on the Website accurate, complete, and up-to-date. However, we are not responsible for anything that happens if you make a decision, take an action, or decide not to do something based on Website content even though we have told you that you shouldn’t. This includes any financial or economic losses you may suffer and anything that is a direct or indirect consequence of a loss, including any losses you may suffer because information you relied on was inaccurate, incomplete, or out-of-date.

Eligibility

You have to be at least 18 years old and competent to enter into a binding legal contract to use the Website. If the age of majority where you live is greater than 18, then you must have reached that age to use the Website.

You cannot use the Website if you are barred from accessing the Internet or using a Website such as ours by any law or court order.

If you are 13 to 17 years old, you can use the Website with your parent or guardian’s written consent. Parents or guardians who wish to provide such consent must contact us at contact@walletmanual.com

If you are younger than 13, you cannot use this Website and must leave now.

By using the Website, you are confirming to us that you are either older than 17 or you are 13 to 17 and your parent or guardian has provided us with written consent.

 Your Rights

You are free to use the Website without cost or obligation as often as you like. If we decide to convert the Website to a paid site, we will announce our intention in advance. At present, we have no plans to do so.

If you need to contact us, you may do so by sending an email to contact@walletmanual.com, unless otherwise stated,

This Section does not apply to Service Providers as defined in Section 5A.

Your Obligations

You agree you will only use the Website for lawful purposes.

Without our prior written consent, you may not:

1. copy, reproduce, rent, lease, loan, or sell content on the Website;
2. modify, distribute, or re-post any content on the Website for any purpose; or,
3. use the content of the Website for any commercial purpose.

You agree you will comply with all laws regarding the use of the Website where you live (e.g., state, country).

You agree that you will:

1. not disrupt or interfere with the security of, or otherwise abuse, the Website, or any services, system resources, accounts, servers, or networks connected to or accessible through the Website or an affiliated or linked website;
2. not disrupt or interfere with any other user’s use or enjoyment of the Website or an affiliated or linked website;
3. not upload, post, or otherwise transmit through or on the Website any viruses or other harmful, disruptive, or destructive files;
4. not use, frame, or utilize framing techniques to enclose any Wallet Manual trademark, logo, or other proprietary information (including images/text found on the Website, or the layout/design of any page or form on the Website) without our prior written consent;
5. not reverse engineer or create derivative works based on the Website or any content available through the Website including, without limitation, any software.
6. not use meta tags or any other “hidden text” utilizing a Wallet Manual name, trademark, or product name without our prior written consent;
7. not deep-link to the Website without our prior written consent;
8. not create or use a false identity on the Website, share your account information, or allow any person besides yourself to use your account to access the Website;
9. not collect or store personal data about others;
10. not obtain unauthorized access to the Website or areas of the Website that are restricted from general access; and
11. not post any material that is knowingly false and/or defamatory, inaccurate, abusive, vulgar, hateful, harassing, obscene, profane, sexually-oriented, threatening, invasive of a person’s privacy, or is otherwise in violation of any law. (Also see Section 4.) You further agree not to post any copyrighted material unless you own the copyright; and
12. not attempt to do anything mentioned in points 1 to 11.

User-Generated Content

At present, there is no provision for you or other users to upload content to the Website. Should that change, this section will apply.

You may upload any photographs, graphics, comments, video clips, reviews, or other content to the Website (“Your Content”) subject to the limitations in these Terms.

You may not do so anonymously and you agree that Your Content will not/you will not by way of Your Content:

1. Be hateful: We don’t allow content that attacks, denigrates, intimidates, dehumanizes, incites, or threatens hatred, violence, prejudicial or discriminatory action against individuals or groups because of their actual or perceived race, ethnicity, national origin, caste, gender, gender identity, sexual orientation, religious affiliation, or disability status.
2. Engage in unwanted advances: We don’t allow unwanted expressions of attraction, desire, requests for a romantic relationship, marriage proposals, sexual advances or innuendo, or lewd remarks. Do not use the Website to pursue romantic connections, ask for romantic dates, or provide sexual commentary on someone’s appearance.
3. Harass or bully: We don’t allow bullying or harassment. This includes abusive language, revealing others’ personal or sensitive information (aka “doxing”), or inciting or engaging others to do the same.
4. Threaten, incite, or promote violence: We don’t allow threatening or inciting violence of any kind.
5. Post terrorist content or promote terrorism: We don’t allow any terrorist organizations or violent extremist groups to upload content to the Website. And we don’t allow any individuals who affiliate with such organizations or groups to promote their activities.
6. Share false or misleading content: Do not share content in a way that you know is, or think may be, misleading or inaccurate, including misinformation or disinformation. Do not share content or endorse someone or something in exchange for personal benefit (including personal or family relationships, monetary payment, free products or services, or other value).
7. Engage in spam or scams: We don’t allow untargeted, irrelevant, obviously unwanted, unauthorized, inappropriately commercial or promotional, or gratuitously repetitive messages or other similar content.
8. Share content containing sexually explicit material or language (some adult content may be allowed if the intent is clearly educational, medical, or scientific, and it’s not graphic).
9. Share content that is, or in a way that is, irrelevant, inappropriate, disrespectful, or otherwise inflammatory.
10. Share junk mail, spam, chain letters, phishing schemes, or any other scams are also prohibited.

Unless we agree otherwise in writing, by posting or submitting Your Content to the Website, you grant Wallet Manual a non-exclusive, royalty-free, perpetual, irrevocable, and fully sub-licensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content, and the name submitted in connection with such content, throughout the world in any media now known or hereafter conceived. Wallet Manual and its affiliates are free to use any ideas, concepts or know-how contained in Your Content for any purpose whatsoever including, but not limited to, developing, manufacturing, distributing and marketing services or products using such information.

You represent and warrant that (a) you own or otherwise control all of the rights to Your Content; (b) that Your Content is accurate; (c) that use of Your Content does not violate these Terms and will not cause injury to any person or entity; and (d) that you will indemnify Wallet Manual pursuant to these Terms for all claims relating to Your Content.

We are not obligated to publish any content or material submitted, posted, uploaded, or otherwise contributed to or on the Website. We can, at our sole discretion, remove any content or material with or without notice and with or without providing reasons for our decision, which need not be reasonable. 

We are not responsible or liable to you or to any third party for the content or accuracy of Your Content, whether posted by you or a third party. We have no obligation to monitor, edit or remove Your Content, although we may do so.

Limitations On Our Obligations

We are not responsible if you choose to use the services of or purchase products from a Service Advisor you found on the Website. 

We provide a site where you can browse interesting and informative content. The Website is also a place where you can find links to third-party service providers who provide products or services related to Website content. Examples include lenders, banks, financial institutions, credit card providers, mortgage brokers, insurance brokers, insurance agents, other insurance professionals, and discount program representatives (“Service Providers”).

We do not endorse or recommend the services or products of any Service Provider including those who choose to advertise or otherwise appear on the Website. We are not an agent or advisor to you or to any Service Provider. Nor do we have, by any means or by operation of any legal or equitable theory or principle of law, any obligation to you or to a Service Advisor.

We do not investigate or validate the qualifications, licensing, or certification of Service Providers, or otherwise take any steps to confirm the competence or any other quality of Service Providers. We state and you understand that we do not have the skill or knowledge to vet Service Providers or their services or products. It is entirely your responsibility to investigate Service Providers before engaging their services or buying their products.

You agree that Service Providers are solely responsible for any services or products they may provide to you and that we are not liable for any losses, costs, damages, or claims related to your purchase of or use of a Service Provider’s services or products.

We urge you to obtain the advice of certified financial advisors, insurance agents, brokers, or other independently qualified professionals who are fully aware of your individual circumstances before you make any financial, insurance, or similar decision. You agree that you will rely only on your own judgment and advice from such qualified professionals in all decisions you make in matters to which Website content may relate and, in particular, when selecting any services or products offered by Service Providers.

You understand and agree that Wallet Manual is not a Service Provider. 

We are not a financial institution, insurance provider, or other Service Provider. When using the Website, you may choose to connect with Service Providers whose services or products you think may meet your needs as determined solely by you. We will never make a coverage or credit decision either on your behalf or on behalf of any Service Provider appearing on the Website and with whom you choose to engage. We do not issue mortgages, credit cards, insurance coverage, or any other financial products.

We do not guarantee Service Providers’ quotes, fees, terms, rates, coverage. services, or products. 

We do not promise or make any representations of any kind regarding the quotes, fees, terms, rates, coverage, services, or products offered by Service Providers. We do not promise that quotes, fees, terms, rates, coverage, services, or products offered by Service Providers are the best available or are offered at the best, or even a competitive, price. You agree that you will make your own inquiry into such matters outside of the Website before purchasing a service or product from a Service Provider. The principle of caveat emptor (buyer beware) applies.

We are paid by Service Advisors but we are not a party to any transaction between you and a Service Provider. 

We are compensated by Service Providers who appear on the Website in a number of ways. However, none of those means of compensation require us to be, or have the effect that, we are a party to any transaction into which you enter with a Service Provider. We are not involved with and are not responsible for any fee arrangement you enter into with a Service Provider or for any purchase you may make from a Service Provider.

You understand and agree that we are paid by Service Providers who appear on the Website. You also understand and agree that our decisions about which Service Providers appear on the Website are determined in whole or in part by our compensation and that Service Providers not on the Website may provide better or less expensive services or products. By using the Website, you release us from any and all losses, costs, damages, or claims in connection with, arising from, or related to your purchase or use of a Service Provider’s services or products, including any liability of any nature for fees charged by a Service Provider, even if the cost of the Service Provider’s fee, service, or product is greater than it otherwise would have been because you connected with the Service Provider through the Website.

Links to other websites that Wallet Manual does not control. 

The Website provides links to other websites and/or resources, including advertisers, over which Wallet Manual has no control. These links are provided solely as a convenience to users (and as a source of revenue or potential revenue for us) and should not be taken as our endorsement of the content, services, or products, on those third-party websites. We make no such endorsements. You access, view, and use such website links, including the content, services, or products on those websites solely at your own risk.

We make no representations or warranties with respect to the content, ownership, or legality of any linked website. You agree that we have no responsibility or liability with respect to external websites or resources, or for the content, advertising, services, products, or other materials available through such websites. At the moment you leave the Website via a link to another website, you will be subject to the Privacy Policy and the Terms of Use of such other website and no longer to these Terms and our Privacy Policy.

Disclaimer of all warranties with respect to use of the Website. 

The Website is provided on an “as-is” and “as available” basis. Except as specifically provided in these Terms and to the fullest extent permitted by applicable law, we expressly disclaim all warranties of any kind, express or implied, including without limitation, any warranties of merchantability, fitness for a particular purpose, or non-infringement.

We do not warrant that the Website will meet your requirements or that access to it will be uninterrupted, timely, secure, error-free, or that defects, if any, will be corrected. We make no warranties with respect to results that may be obtained by using the Website or the accuracy, quality, or reliability of any content on or information obtained through the Website.

You understand and agree that any material and/or data downloaded or otherwise obtained from the Website is used at your own risk and that you will be solely responsible for any damage to your computer or device, or for loss of data, that results from the download. 

No advice, commentary, or information obtained from us or through the Website, whether oral, written, or displayed graphically or in a video clip, shall create any warranty not expressly contained in these Terms.

Other Rights and Limitations

 Protection of our Intellectual Property rights and your license.

You understand and agree that the content on or available through the Website including, without limitation, text, graphics, software, sound (including spoken words and music), photographs, video clips, and content provided by suppliers, sponsors, advertisers, or other users (“Intellectual Property rights”) is owned by Wallet Manual or the applicable third party and is protected by copyright, trademarks, patents, or other proprietary rights and laws.

Wallet Manual is a protected trademark. All other trademarks and service marks displayed on the Website are our property or the property of their respective owners. You may not use or display any of our trademarks or service marks owned without our prior written consent. You may not use or display any other trademarks or service marks displayed on the Website without the permission of their owners.

You are granted a non-exclusive, non-transferable, revocable, limited license to view, copy, and print content on the Website only for the purpose of placing an order via the Website and provided that you do not remove or obscure the copyright notice or other notices displayed on the content. Except as expressly provided in these Terms, nothing on the Website shall be construed as conferring any other license or right, expressly, by implication, by estoppel, or otherwise to any of Wallet Manual’s or a third party’s Intellectual Property rights. Any rights not expressly granted herein are reserved.

Copyright Policy. We abide by the federal Digital Millennium Copyright Act (DMCA) by responding to notices of alleged infringement that comply with the DMCA and other applicable laws. As part of our response, we may remove or disable access to material residing on our servers or the Website that is claimed to be infringing. In such cases, we will make a good-faith effort to contact the person who submitted the affected material so that they may make a counter-notification, also in accordance with the DMCA.

We do not control content hosted on third-party websites and cannot remove content from websites we do not own or control. If you are the copyright owner of content hosted on a third-party website, and you have not authorized the use of your content, please contact the administrator of that website directly to have the content removed.

General limitation on our liability. 

You understand and agree that under no circumstances will we or our suppliers, parent companies, subsidiaries, directors, officers, employees, representatives, affiliates, contractors, subcontractors, Website content contributors, agents, or co-branders be liable for indirect, special, incidental, or consequential damages including, without limitation, any loss of use, loss of profits, loss of data, loss of goodwill, cost of procurement of substitute services, or any other indirect, special, incidental, or consequential damages. This limitation applies regardless of the manner in which damages are caused, and on any theory of liability, whether for breach of contract, tort (including negligence and strict liability) or otherwise resulting from (1) the use of, or the inability to use, the Website; (2) the use of, or the inability to use, services or products purchased on the Website; or (3) the cost of procurement of substitute services or products.

 Indemnification. 

You agree to indemnify and hold harmless Wallet Manual, its directors, officers, employees, contractor, subcontractors, Website content contributors, agents, co-branders, suppliers, subsidiaries, parent companies, and affiliates from any and all liabilities, losses, claims (including, but not limited to, claims for injunctive relief), demands, disputes, damages, losses, liens, causes of action, suits, civil, criminal, statutory, or administrative actions or proceedings, fines, taxes, assessments, penalties, judgments, and/or other expenses of any kind, nature or description whatsoever (including, but not limited to, Wallet Manual’s legal fees and expenses and costs of investigation) resulting from or in any way connected with (i) your use of the Website; (ii) content or information you submit or transmit through the Website; (iii) privacy, tort or other claims (e.g., claims under the Federal Telephone Consumer Protection Act or its state law equivalent) relating to the provision of personal information (e.g., telephone number) to Wallet Manual that is not owned by you (which provision would be a violation of these Terms); and/or (iv) your breach of these Terms.

 Pre-dispute, mandatory binding arbitration and class action waiver. 

You agree that any claim that you may have against us in the future must be resolved through binding arbitration. You understand and agree that you are irrevocably waiving the right to a trial by jury and that rights you would have if you went to court, such as discovery or the right to appeal, may be more limited or may not exist. Likewise, we agree to binding arbitration should we have any claims against you. 

You agree that you may only bring a claim against us in your individual capacity, and not as a plaintiff or class member in any purported class or representative proceeding. You further agree that the arbitrator of any claim that you make against us may not consolidate proceedings or claims or otherwise preside over any form of a representative or class proceeding.

Arbitration is a method of resolving a claim without filing a lawsuit. “Claim” means any dispute between you, us, and/or any third party relating to your use of the Website (including following a link to the site of a third party and/or purchasing services or products from a third party) or content/information you provide by way of the Website. This arbitration provision sets out the terms and conditions of our agreement to binding arbitration and is governed by and enforceable under the Federal Arbitration Act (the “FAA”), 9 U.S.C. Sections 1-16, as amended.

Exception to binding arbitration. 

You and Wallet Manual retain the right to pursue any claim in a small claims court that is within that court’s jurisdiction and that proceeds on an individual (non-class) basis. We will not demand arbitration in connection with any individual claim that you properly file and pursue in a small claims court, so long as the claim is pending only in that court. Binding arbitration also does not apply to disputes concerning trade secret misappropriation, patent infringement, copyright infringement or misuse, or trademark infringement or dilution.

Mandatory pre-dispute procedures. 

You understand and agree that before initiating any claim (subject to the exceptions above) against us, you will first give us an opportunity to resolve your problem or dispute. This includes sending a written description of your problem or dispute to us. You may send the written description by email or U.S. Mail to Wallet Manual, 1401 21st ST Suite R Sacremento, CA 95811. You agree to negotiate with us in good faith about your problem or dispute. If for some reason your problem or dispute is not resolved to your satisfaction within 60 days after our receipt of your written dispute, you agree to the dispute resolution provisions below.

Commencement of arbitration. 

You and Wallet Manual agree to commence any arbitration proceeding within 1 year after the claim arises (including the mandatory pre-dispute procedures outlined above) and that any proceeding commenced after 1 year shall be barred.

Arbitration location. 

The arbitration may be conducted in the federal district where you reside. It may be held by telephone or through written submissions if you and Wallet Manual agree.

Sponsoring organization, rules and the arbitrator. 

You agree that any claims shall be resolved by submitting the dispute to final and binding confidential arbitration before a single arbitrator who is a retired judge or an experienced attorney with experience in the subject(s) of the claim. The arbitrator shall be chosen from the JAMS Neutral Directory and the JAMS Comprehensive Arbitration Rules and Procedures shall apply.

The arbitrator shall have the exclusive and sole authority to resolve any dispute relating to the interpretation, construction, validity, applicability, or enforceability of these Terms and this arbitration provision. The arbitrator shall have the exclusive and sole authority to determine whether this arbitration provision can be enforced against a party not bound by these Terms and whether such party can enforce this provision against you or Wallet Manual.

Arbitration fees. 

We shall pay for all filing, administrative, and arbitrator fees for an arbitration initiated by either party. The parties shall each pay their own additional fees, costs, and expenses, including, but not limited to, those for any attorneys, experts, documents, and witnesses. 

Arbitration award. 

The arbitrator shall follow substantive law and may order any relief permitted by law and these Terms. The arbitrator may award any form of individual relief, including injunctions and punitive damages, so long as they are in accordance with these Terms and applicable law. The arbitrator may award costs or fees to a prevailing party, but only if the law expressly allows it. Although we may have a right to an award of attorneys’ fees and expenses if we prevail, we will not seek such an award unless your claims are determined by the arbitrator to be frivolous. Any award rendered shall include a written opinion and shall be final, subject to appeal only under the FAA.

Enforceability. 

This arbitration provision survives termination of your account or relationship with us and the bankruptcy, assignment, or transfer of our business. If the class action waiver is deemed unenforceable (i.e., unenforceability would allow arbitration to proceed as a class or representative action), then this entire arbitration provision shall be rendered null and void and shall not apply. If a portion of this arbitration provision (other than the class action waiver) is deemed unenforceable, the remaining portions of this arbitration provision shall remain in full force and effect.

Miscellaneous. 

Failure or any delay in enforcing this arbitration provision in connection with any particular claims will not constitute a waiver of any rights to require arbitration at a later time or in connection with any other claims. This provision is the entire arbitration agreement between you and Wallet Manual and shall not be modified except by us by way of an amendment to these Terms.

Amendments. 

We reserve the right to amend this arbitration provision at any time. Your continued use of the Website, purchase of a service or product from us, or use or attempted use of a service or product purchased from us constitutes your consent to such changes. Should the changes to this arbitration provision be material, we will provide you notice and an opportunity to opt out. Your continued use of the Website, purchase of a service or product from us, or use or attempted use of a service or product purchased from us constitutes your consent to such material changes. 

You have the right to opt-out of this arbitration provision within 30 days from the date you first accessed the Website by writing to Wallet Manual, 1401 21st ST Suite R Sacremento, CA 95811. For your opt-out to be effective, you must submit a signed and dated written notice that details such opt-out.

Termination of Website. 

You agree that we may, in our sole discretion and at any time, terminate or suspend our operation of the Website or your use of the Website, without prior notice to you. We may do so for any reason that we, in our sole discretion, determine to be appropriate.

You agree that we will not be liable to you or to any third party for the consequences of such termination or suspension. In the event of any termination of your use of or access to the Website, you agree that the provisions of the Agreement regarding the protection of Intellectual Property rights and license, indemnification, disclaimer regarding information provided on the Website, disclaimer of warranties with respect to use of the Website, limitations on our liability, and pre-dispute, mandatory binding arbitration, and class action waiver shall survive any such termination.

 Our additional remedies. 

In order to avoid irreparable injury to Wallet Manual, in the event of your breach or threatened breach of these Terms, we may seek an injunction and/or other equitable relief restraining such breach in a court of law. Nothing in these Terms shall be construed as prohibiting us from pursuing any other remedies available for such breach or threatened breach, including the recovery of monetary damages from you.

Other Terms 

Wallet Manual may, at our discretion, assign, transfer, or subcontract any of our rights or obligations under these Terms to any third party. Any representations, warranties, and indemnification obligations made or undertaken by you will survive cancellation or termination of your account or relationship with us.

Our delay exercising any right or remedy under these Terms shall never operate as a waiver of that right or remedy and shall not affect our ability to subsequently exercise that right or remedy. We must agree to any waiver in writing.

These Terms supersede any other terms previously published by us and any other representations or statements made by us to you, whether oral, written, or otherwise.

Communication. 

You verify that any contact information provided to us including, but not limited to, your mailing address, shipping address, e-mail address, residential phone number, and mobile phone number is true and accurate. You further verify that you are the telephone subscriber and/or that you own any telephone numbers that you provide to us.

You consent to receive e-mails from or on our behalf relating to content on the Website, any purchase or transaction with us, matters related to your account, and promotions regarding our services and products.

We may obtain, and you agree to be contacted at e-mail addresses, mailing or shipping addresses, and phone numbers provided by you directly or obtained through other lawful means, such as skip tracing.