Affiliate Disclaimer, Terms of Use, Disclaimer and Privacy Policy
When you utilize the resources on this website, whether by reading or downloading my content, you are agreeing to follow the terms outlined on this page.
The simple version:
My goal is to give you as much helpful content as I can. And most of it will be completely free. Seriously, my goal is to deliver value and make a real difference in your blogging journey. I do utilize affiliate links where appropriate on my site, but I always divulge honest information. My affiliate links are for products that I actually use and love. These are products that I would recommend to my closest friends. I will also never share your name, email address, or any other personal information I collect with any third party without your explicit permission.
While my hope is that this can establish your trust in me, this means that I have to trust you. I trust that you will not externally share my content in a way that doesn't lead back to my website as the original creator. I trust that you will not remove my copyright information or plagiarize what I create. I trust that you will not share the content of any of my paid products with someone who has not purchased the same product.
Simply put, respect me and my content, and I will continue to respect you and provide you with the very best I have to offer!
If you're still uncertain about anything that may or may not be allowed on my site, you may continue to read the following disclaimers, disclosures, statements, and terms. Or you can contact me at katie@morewithmoney.com.
This page was last updated: May 21, 2022
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Affiliate Disclaimer
I am a participant in a number of other affiliate programs. While I do receive various forms of compensation for your use of these affiliate links, it comes at no additional cost to you. My opinions have not been swayed due to my involvement in these programs. My recommendations are my honest and genuine opinions.
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Terms and Conditions
Katharine “Katie” Scott (“us,” “we” or “our”) owns and operates MoreWithMoney.com (“website”). Please read these Terms and Conditions (“Terms”) carefully before using this website. Your access and use of this website is conditioned on your acceptance of and compliance to these Terms. These Terms apply to all visitors, users and others who access the website.
By visiting this website, you engage in our service and accept and agree to be bound by these Terms. If you disagree with any part of the Terms, then you may not access the website.
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Intellectual Property
We are the owners of all information contained on this website. We are the owners of any and all copyrights, trademarks, design rights and other intellectual property rights (registered and unregistered) related to the content and work product on this website.
Information on this website may be copied for personal use only. No part of this website may be reproduced, stored, or transmitted in any form or by any means, electronic, mechanical, photocopying, recording, scanning, or otherwise, except as permitted under Section 107 or 108 of the 1976 United States Copyright Act, without the prior written permission of the author. Requests to the author and publisher for permission should be addressed to the following email: katie@thelazysource.com
We allow link backs to this website, as long as you clearly credit this website and provide a hyperlink back to this website.
We reserve all rights and nothing in these Terms grants you a right or license to use any information provided on this website.
Website Content
All content on this website is for informational purposes only. We do not make any representations regarding the completeness or accuracy related to the information found on this website. We are not responsible or liable for the accuracy, usefulness or availability of any information provided on this website. The access and use of any content on this website does not guarantee any specific results and we are not responsible or otherwise liable in any way for your reliance, acts or failures to act with regard to the information presented on this website. You are responsible for your own actions and your reliance upon the content of this website is done solely at your own risk.
Although I am an accountant, nothing on this website constitutes professional accounting, financial, or tax advice. We will not be liable for any errors or omissions and will not be responsible for any losses, injuries or damages related to your reliance on this website. The use and access of this website does not create a working relationship. If you would like to engage my professional services, contact me and a separate contractual agreement shall be completed.
Blog Comments or User-Generated Content
Any user-generated content on this website (i.e. through blog comments or social media posts) will be publicly available to other users. You own the rights to any content that you post on this website but agree to give us a license so that this content can be shared on this website.
We reserve the right to remove any content that we determine to be unlawful, inappropriate, offensive or otherwise objectionable or violates any party’s intellectual property or these Terms. By posting or submitting any material or information to this website, you agree to grant us an unlimited license so that this content can be shared on this website. If any user-generated content is found to be copyright infringement, we will respond to and comply with any DMCA Take Down Notices.
Purchases
If you wish to purchase any product or service made available on the website, you may be asked to supply certain information relevant to the purchase. Purchases on this website are done through an outside vendor (Stripe, Paypal, etc.) and we make all attempts to provide secure transactions. You may be directed to an outside website for your secure transaction and we make no warranties or representations regarding the security of the outside vendor. We do not collect or retain any of your personal payment information.
Payment Policy
See the Privacy Statement regarding how secure transactions are processed on our website.
Termination
We reserve the right to terminate any users for abuse of these Terms. We reserve the right to remove unlawful, obscene, inappropriate or otherwise undesirable shares or comments on our blog or social media channels.
Governing Law
If any part of these Terms is held to be invalid or unenforceable, that portion of the Terms will be construed with applicable law and the remaining portions will remain in full force and effect. These Terms are governed in accordance with the laws of Florida and the United States.
Links to Other Web Sites
This website may contain links to third-party websites that we do not own or control. Once you leave our website or are redirected to a third-party website or application, you are no longer governed by these Terms or our website’s Privacy Policy.
We have no control over, and assume no responsibility for, the content, privacy policies or practices of any third party websites or services. You further acknowledge and agree that we 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 websites or services.
Warranty Disclaimer
The information contained on this website is provided “as is,” without warranty of any kind. We disclaim all warranties, whether express, implied, statutory or otherwise, regarding this website, to the fullest extent of the law. We make no warranties that access to this website will be uninterrupted or error-free. You assume full responsibility and assume all risks when you access this website, download any files, use any information or content or participate in any other manner.
Limitation of Damages
In no event shall we (or any affiliated parties) be liable to you for any loss or damages resulting from the use or display of your user-generated content, you use or access to this website, the website generally or any other interactions with the website or us. You hereby release us from liability or responsibility for any claims related to your use, access or reliance of this website.
Affiliate Links
This website may include “affiliate links,” wherein we receive a small commission if you make a purchase using the link. However, all opinions are our own and we only endorse or link to products and services that we genuinely recommend.
Updates
These Terms and Conditions may change from time to time and all updates will be posted on this page.
Questions and Contact Information
If you have any questions about these Terms, please contact us at: katie@morewithmoney.com
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Legal Disclaimer
While this website aims to provide technically accurate information, I do not guarantee any results and will not be liable for any damages or losses caused by the use of this Website. I am not a licensed coach and make no claims to giving expert advice. Additionally, while I have an educational background in accounting and finance, I am not your accountant or financial advisor. By accessing and using this Website, you agree that this does not constitute professional advice. Consult with your accountant or financial professional before relying on any money or business related information presented on this website.
The information presented on this Website is not a substitute for professional advice or services. All information provided on this Website or in the any of the documents provided herein has been prepared for general educational and informational purposes only.
By accessing and using this website, you agree that I am not liable or responsible for your business or personal results or any other result of any kind that you may have as a result of information presented to you through our Website or its Contents. You are solely responsible for your results.
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Privacy Policy
MoreWithMoney.com is committed to safeguarding your privacy. Contact me at katie@morewithmoney.com if you have any questions or problems regarding the use of your Personal Data and I will gladly assist you.
By using this site or/and our services, you consent to the Processing of your Personal Data as described in this Privacy Policy.
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Definitions
Personal Data – any information relating to an identified or identifiable natural person. Processing – any operation or set of operations which is performed on Personal Data or on sets of Personal Data. Data subject - a natural person whose Personal Data is being Processed. Child - a natural person under 16 years of age. We/us (either capitalized or not) – Katharine Nicole Scott, the site owner, and any other party assigned an administrative role by the site owner in the operations of MoreWithMoney.com
Data Protection Principles
We promise to follow the following data protection principles:
Processing is lawful, fair, transparent. Our Processing activities have lawful grounds. We always consider your rights before Processing Personal Data. We will provide you information regarding Processing upon request.
Processing is limited to the purpose. Our Processing activities fit the purpose for which Personal Data was gathered.
Processing is done with minimal data. We only gather and Process the minimal amount of Personal Data required for any purpose.
Processing is limited with a time period. We will not store your personal data for longer than needed.
We will do our best to ensure the accuracy of data.
We will do our best to ensure the integrity and confidentiality of data.
Data Subject's rights
The Data Subject has the following rights:
Right to information – meaning you have to right to know whether your Personal Data is being processed; what data is gathered, from where it is obtained and why and by whom it is processed.
Right to access – meaning you have the right to access the data collected from/about you. This includes your right to request and obtain a copy of your Personal Data gathered.
Right to rectification – meaning you have the right to request rectification or erasure of your Personal Data that is inaccurate or incomplete.
Right to erasure – meaning in certain circumstances you can request for your Personal Data to be erased from our records.
Right to restrict processing – meaning where certain conditions apply, you have the right to restrict the Processing of your Personal Data.
Right to object to processing – meaning in certain cases you have the right to object to Processing of your Personal Data, for example in the case of direct marketing.
Right to object to automated Processing – meaning you have the right to object to automated Processing, including profiling; and not to be subject to a decision based solely on automated Processing. This right you can exercise whenever there is an outcome of the profiling that produces legal effects concerning or significantly affecting you.
Right to data portability – you have the right to obtain your Personal Data in a machine-readable format or if it is feasible, as a direct transfer from one Processor to another.
Right to lodge a complaint – in the event that we refuse your request under the Rights of Access, we will provide you with a reason as to why. If you are not satisfied with the way your request has been handled please contact us.
Right for the help of supervisory authority – meaning you have the right for the help of a supervisory authority and the right for other legal remedies such as claiming damages.
Right to withdraw consent – you have the right withdraw any given consent for Processing of your Personal Data.
Data we gather
Information you have provided us with This might be your e-mail address, name, billing address, home address etc – mainly information that is necessary for delivering you a product/service or to enhance your customer experience with us. We save the information you provide us with in order for you to comment or perform other activities on the website. This information includes, for example, your name and e-mail address.
Information automatically collected about you This includes information that is automatically stored by cookies and other session tools. For example, your shopping cart information, your IP address, your shopping history (if there is any) etc. This information is used to improve your customer experience. When you use our services or look at the contents of our website, your activities may be logged.
Information from our partners We gather information from our trusted partners with confirmation that they have legal grounds to share that information with us. This is either information you have provided them directly with or that they have gathered about you on other legal grounds. See the list of our partners here.
Publicly available information We might gather information about you that is publicly available.
How we use your Personal Data
We use your Personal Data in order to:
provide our service to you. This includes for example providing you with other products and services that you have requested; providing you with promotional items at your request and communicating with you in relation to those products and services; communicating and interacting with you; and notifying you of changes to any services.
enhance your customer experience;
fulfill an obligation under law or contract;
We use your Personal Data on legitimate grounds and/or with your Consent.
On the grounds of entering into a contract or fulfilling contractual obligations, we Process your Personal Data for the following purposes:
to identify you;
to provide you a service or to send/offer you a product;
to communicate either for sales or invoicing;
On the ground of legitimate interest, we Process your Personal Data for the following purposes:
to send you personalized offers* (from us and/or our carefully selected partners);
to administer and analyze our client base (purchasing behavior and history) in order to improve the quality, variety, and availability of products/ services offered/provided;
to conduct questionnaires concerning client satisfaction;
As long as you have not informed us otherwise, we consider offering you products/services that are similar or same to your purchasing history/browsing behavior to be our legitimate interest.
With your consent we Process your Personal Data for the following purposes:
to send you newsletters and campaign offers (from us and/or our carefully selected partners);
for other purposes we have asked your consent for;
We Process your Personal Data in order to fulfill obligation rising from law and/or use your Personal Data for options provided by law. We reserve the right to anonymize Personal Data gathered and to use any such data. We will use data outside the scope of this Policy only when it is anonymized. We save your billing information and other information gathered about you for as long as needed for accounting purposes or other obligations deriving from law, but not longer than 26 months.
We might process your Personal Data for additional purposes that are not mentioned here, but are compatible with the original purpose for which the data was gathered. To do this, we will ensure that:
the link between purposes, context and nature of Personal Data is suitable for further Processing;
the further Processing would not harm your interests and
there would be appropriate safeguard for Processing.
We will inform you of any further Processing and purposes.
Who else can access your Personal Data
We do not share your Personal Data with strangers. Personal Data about you is in some cases provided to our trusted partners in order to either make providing the service to you possible or to enhance your customer experience.
Companies we work with that may access your Personal Data:
Paypal
Memberpress
ConvertKit
Google Analytics
Squarespace
Thrivecart
Stripe
and any other company with which we have an affiliate relationship. All affiliate links are disclosed at the top of the relevant the post or page in which they appear. You can read our affiliate disclosure here.
We only work with Processing partners who are able to ensure adequate level of protection to your Personal Data. We disclose your Personal Data to third parties or public officials when we are legally obliged to do so. We might disclose your Personal Data to third parties if you have consented to it or if there are other legal grounds for it.
How we secure your data
We do our best to keep your Personal Data safe. We use safe protocols for communication and transferring data (such as HTTPS). We use anonymizing and pseudonymizing where suitable. We monitor our systems for possible vulnerabilities and attacks.
Even though we try our best we can not guarantee the security of information. However, we promise to notify suitable authorities of data breaches. We will also notify you if there is a threat to your rights or interests. We will do everything we reasonably can to prevent security breaches and to assist authorities should any breaches occur.
If you have an account with us, note that you have to keep your username and password secret.
Children
We do not intend to collect or knowingly collect information from children. We do not target children with our services.
Cookies and other technologies we use
We use cookies and/or similar technologies to analyze customer behavior, administer the website, track users' movements, and to collect information about users. This is done in order to personalize and enhance your experience with us.
A cookie is a tiny text file stored on your computer. Cookies store information that is used to help make sites work. Only we can access the cookies created by our website. You can control your cookies at the browser level. Choosing to disable cookies may hinder your use of certain functions.
We use cookies for the following purposes:
Necessary cookies – these cookies are required for you to be able to use some important features on our website, such as logging in. These cookies don't collect any personal information.
Functionality cookies – these cookies provide functionality that makes using our service more convenient and makes providing more personalized features possible. For example, they might remember your name and e-mail in comment forms so you don't have to re-enter this information next time when commenting.
Analytics cookies - these cookies are used to track the use and performance of our website and services
Advertising cookies - these cookies are used to deliver advertisements that are relevant to you and to your interests. In addition, they are used to limit the number of times you see an advertisement. They are usually placed to the website by advertising networks with the website operator’s permission. These cookies remember that you have visited a website and this information is shared with other organizations such as advertisers. Often targeting or advertising cookies will be linked to site functionality provided by the other organization.
You can remove cookies stored in your computer via your browser settings. Alternatively, you can control some 3rd party cookies by using a privacy enhancement platform such as optout.aboutads.info or youronlinechoices.com. For more information about cookies, visit allaboutcookies.org.
We use Google Analytics to measure traffic on our website. Google has their own Privacy Policy which you can review here. If you'd like to opt out of tracking by Google Analytics, visit the Google Analytics opt-out page.
Changes to this Privacy Policy
We reserve the right to make change to this Privacy Policy. Last modification was made May 21, 2022.
Contact Information
You can contact us with any questions, comments, or concerns at katie@morewithmoney.com.
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