Terms of Service

1. Acceptance of Terms

By accessing or using The Health Money website at thehealthmoney.com (the "Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Site. We reserve the right to update these Terms at any time; your continued use of the Site following any changes constitutes your acceptance of the revised Terms.

2. Not Financial Advice

The content published on this Site is for informational and educational purposes only and does not constitute financial, investment, tax, or legal advice. The information provided is general in nature and may not apply to your individual financial situation. You should always consult a qualified financial advisor, tax professional, or attorney before making any financial decisions. The Health Money and its authors are not licensed financial advisors, and nothing on this Site creates a professional advisory relationship.

3. Affiliate Links & Compensation

Some links on this Site are affiliate links. When you click on an affiliate link and complete a qualifying transaction (such as signing up for a credit card, opening a bank account, or purchasing a product), we may receive a commission or referral fee at no extra cost to you. Our editorial opinions are our own and are not influenced by affiliate relationships. We only recommend products and services we believe may be genuinely useful to our readers.

4. Accuracy of Information

We strive to provide accurate, current, and complete information. However, personal finance laws, interest rates, product terms, and financial regulations change frequently. We make no representations or warranties about the accuracy, completeness, or timeliness of any content on the Site. All content is provided "as is" without warranty of any kind. You rely on the information provided at your own risk.

5. Intellectual Property

All content on this Site — including articles, graphics, logos, and code — is the property of The Health Money or its content suppliers and is protected by applicable copyright and intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this Site without our express written permission. Personal, non-commercial use with proper attribution may be permitted; please contact us to inquire.

6. User Conduct

By using the Site, you agree not to:

• Use the Site for any unlawful purpose or in violation of any applicable regulations
• Attempt to gain unauthorized access to any portion of the Site or its related systems
• Transmit spam, viruses, or any harmful code
• Scrape or harvest content from the Site without our prior written consent
• Impersonate any person or entity or misrepresent your affiliation with any person or entity

7. Third-Party Links

The Site may contain links to third-party websites, products, or services. These links are provided for your convenience only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them. Visiting a third-party link does not imply our endorsement of that site or its content.

8. Disclaimer of Warranties

The Site and all content are provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied. We disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

9. Limitation of Liability

To the fullest extent permitted by law, The Health Money, its owners, employees, and contributors shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or goodwill, arising out of or in connection with your use of the Site or reliance on any information provided herein, even if we have been advised of the possibility of such damages.

10. Indemnification

You agree to indemnify, defend, and hold harmless The Health Money and its affiliates, officers, and employees from any claims, liabilities, damages, costs, or expenses (including reasonable attorneys' fees) arising from your use of the Site or your violation of these Terms.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in the United States.

12. Contact Us

If you have any questions about these Terms, please contact us at: