Terms

PersonalOne ("PO") maintains this Website ("Website") to provide general information and financial education. As used in these Terms and Conditions, "Us," "We," and "Our" refers to PersonalOne and its subsidiaries and affiliates.

Access to and use of this Website is governed by the following Terms and Conditions. By accessing and using this Website, you accept and agree to be bound by these Terms and Conditions, regardless of whether you have read all applicable terms. These Terms are subject to change and revision from time to time without notice. Any changes will be effective immediately upon being posted to this Website. Each time you use this Website, you should review the current Terms and Conditions. Your continued use of this Website constitutes acceptance of the current Terms and Conditions.

1. Contact Information

By submitting your contact information, including your name, phone number, mobile phone number, and email address, you understand that we or a related or unrelated company may contact you by email or phone call to discuss your inquiry, and you consent to this contact. You also understand that you may receive SMS/text messages from PersonalOne about your transaction and you consent to this contact. Message and data rates may apply. Message frequency will vary. You can opt out of this service at any time by replying to our last message with "STOP". For assistance, please email info@personalone.org.

2. Representations

All entries made by you on this Website constitute affirmative representations by you that the information provided is true and reasonable and that no information which would materially impact the truthfulness or reasonableness of the entry has been omitted.

3. Content

All content included on this Website, such as text, graphics, logos, images, audio clips, video, data, music, software, and other material (collectively "Content") is property owned or licensed to us or the owned or licensed property of our licensors and is protected by copyright, trademark, patent, or other proprietary rights. The collection, arrangement, and assembly of all Content on this Website is our exclusive property and is protected by U.S. and international copyright laws. We and our licensors expressly reserve all intellectual property rights in all Content.

4. Copyright

This Website is copyrighted and the Content hereof must not be reproduced, distributed, modified, or otherwise used contrary to copyright law. You may not copy, use, distribute, or modify any of the contents of this Website for public or commercial purposes without prior written consent from us. However, we grant you permission to make one copy of the Content on any or all pages of this Website for personal use or reference, provided you retain all of our copyright or other proprietary notices on all such copies, and further provided that this permission shall be automatically revoked upon your violation of any of these Terms and Conditions. We do not warrant that your use of materials displayed on this Website will be free from the infringement claims of third parties.

5. Trademarks

Our name, our logo, and any other marks used on this Website to designate the origin of our information, goods, or services are our trademarks. Any other trademarks used on this Website are the property of their respective owners.

6. No Reliance

While we endeavor to keep the information on this Website up to date and accurate, we make no warranties or representations as to the currency or accuracy of any information on this Website. You are expressly advised not to take any action or make any decision in reliance on any statement contained on this Website. We may not be held legally responsible for any errors or omissions in the content of this Website.

7. Disclaimer of Contract

Except for these Terms and Conditions, no statement on this Website constitutes a separate contract, a representation or warranty, an offer to enter into a contract, or an offer of employment. No statement by us on this Website is or shall be deemed to be incorporated by implication, reference, or otherwise into any contract or employment relationship. The only terms and conditions applicable to performance by us are the terms expressly stated in a separate written agreement executed by us.

8. Limitation of Liability and Disclaimer of Warranties

Your use of this Website is entirely at your own risk. Neither we, our directors, our affiliates, nor any other party involved in creating, producing, or delivering this Website will be liable for any direct, incidental, consequential, indirect, or punitive damages arising out of your access to or use of this Website, regardless of the theory or basis upon which damages are claimed. The content and functionality of this Website is provided to you AS IS AND WITHOUT WARRANTY OF ANY KIND, EXPRESSED OR IMPLIED. THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE ARE DISCLAIMED. Some states may not allow the exclusion of implied warranties, so some of these exclusions may not apply to you.

9. Damage to Property

Electronic communications, databases, and websites are subject to errors, malfunctions, tampering, and break-ins, and their use may result in damages to the user's systems or operations. We assume no responsibility for, and shall not be liable for, any damages to your computer equipment, software, or other property, even if caused by your access to or use of this Website or your downloading of any materials from this Website. It is your responsibility to use appropriate measures, such as virus-detection software, to protect your information technology assets.

10. Termination

We reserve the right, without notice and in our sole discretion, to terminate your use of this Website and to block or prevent future access if you violate any of these Terms and Conditions. Upon such termination, your right to use this Website will immediately cease. You agree that any termination of your access may be effected without prior notice and that we may immediately deactivate or delete your account information and files associated with it and bar any further access. You agree that we shall not be liable to you or any third party for any termination of your access to this Website.

11. No Unlawful or Prohibited Uses

This Website may only be used for lawful purposes. As a condition of your use of this Website, you warrant to us that you will not use this Website for any purpose that is unlawful or prohibited by these Terms and Conditions.

You authorize your wireless operator to use your mobile number, name, address, email, network status, customer type, billing type, and mobile device identifiers solely to allow verification of your identity and to compare information you have provided to PersonalOne with your wireless operator account profile information for the duration of the business relationship. See our Privacy Policy for how we treat your data.

12. Links to Third-Party Websites

This Website may contain links and interactive functionality connecting to third-party websites. We have not reviewed all such third-party websites. We are not responsible for, and have no liability for, the functionality, actions, inactions, privacy settings, privacy policies, terms and conditions, or content of any such website. Links to third-party websites on this Website do not constitute an endorsement by us of those websites. YOUR USE OF THIRD-PARTY WEBSITES AND RESOURCES IS AT YOUR OWN RISK.

13. Cookies

A cookie is a small data file placed on the hard drive of your computer when you visit a website. A "session cookie" expires immediately when you end your session. A "persistent cookie" stores information on your hard drive so that when you return to the same website, the cookie information is still available. A web beacon is a small string of code that represents a clear graphic image used in conjunction with a cookie.

When you visit our Website, we may use both session and persistent cookies. These cookies may contain information such as a unique user ID used to track your usage of our Website and, in some cases, your email address. Web beacons allow us to capture additional information about a visitor's actions on a website, such as cookie number, time and date of visit, duration, number of page views, and details about any items purchased.

14. Mobile Privacy

We offer mobile applications that allow you to provide personal information such as images of documents to us. All personal information collected by us via our mobile application is protected by our Privacy Policy.

15. Referral URL Retargeting

We may display interest-based ads to you using third-party retargeting tools including Yahoo's Referral URL Retargeting. This sharing is subject to the respective platform's privacy policy. We may also use social media retargeting in accordance with the privacy rules of platforms such as Facebook and Instagram.

16. Facebook Custom Audience

We may display interest-based ads to you when you are using Facebook through a tool called the Facebook Custom Audience Tool. We do not share your personal information with Facebook. The tool converts your email address to a unique number that Facebook uses to match against unique numbers generated from the email addresses of its users.

17. Social Media Interactions

We invite you to share your experience with PersonalOne using social media tools such as Facebook, Instagram, Pinterest, and others. If you choose to use these tools, you may be sharing certain profile elements including your comments. This sharing is subject to each social media platform's privacy policies.

18. Reviews, Comments, Submissions, and Other Communications

We welcome your reviews, comments, and other communications, photos, videos, or any other content submitted through or to this Website ("User Content"), provided it complies with these Terms and Conditions.

You agree that any User Content you submit will be accurate; will not violate or facilitate the violation of any law or regulation; will not violate any right of a third party, including copyright, trademark, privacy, or publicity rights; will not cause injury to any person or entity; and will not contain or provide links to obscene, profane, threatening, or harmful material in any form. You are solely responsible for all User Content you submit.

We reserve the right, in our sole discretion, to monitor, alter, remove, or refuse to post any User Content, and to disclose any User Content and the circumstances surrounding its transmission to any third party.

For any User Content you submit, you grant to us a non-exclusive, sub-licensable, fully paid-up, perpetual, irrevocable, royalty-free, transferable right and license to use, display, perform, transmit, copy, modify, delete, adapt, publish, translate, create derivative works from, sell, and distribute such User Content and to incorporate it into any form, medium, or technology now known or hereafter developed, throughout the world, without compensation to you.

Content is also provided by third-party visitors to this Website. We neither endorse nor are responsible for any opinion, advice, information, or statements made by third parties. We will not be liable for any loss or damage caused by your reliance on such information or materials.

19. Indemnification and Defense

As a condition of your use of this Website, you agree to defend, indemnify, and hold us harmless, along with our respective employees, directors, officers, agents, vendors, and suppliers, from and against any liabilities, losses, investigations, inquiries, claims, suits, damages, costs, and expenses (including without limitation reasonable attorneys' fees and expenses) arising out of or otherwise relating to your use of this Website, including without limitation any User Content submitted by you and any claims alleging facts that, if true, would constitute a breach by you of these Terms and Conditions.

20. Financial Disclaimer

The content provided on PersonalOne.org is for informational and educational purposes only and should not be considered financial, investment, legal, or tax advice. While we strive to offer accurate, up-to-date insights and resources, PersonalOne does not guarantee the accuracy, completeness, or reliability of any information presented.

All financial decisions involve risk. You are solely responsible for evaluating the merits and risks associated with the use of any content or services found on this site before making any financial decisions. We strongly encourage consulting with a licensed financial advisor, tax professional, or legal expert before taking action based on information from PersonalOne.org.

PersonalOne.org and its contributors, partners, and affiliates shall not be held liable for any loss or damage, financial or otherwise, that may arise directly or indirectly from the use of or reliance on the information contained on this Website.

By using this Website, you acknowledge and agree that PersonalOne.org is not a registered investment advisor or financial institution, and the information provided should not be construed as professional advice tailored to your individual situation.

21. Affiliate Programs and Sponsored Content

PersonalOne participates in affiliate marketing programs. This means that some links and recommendations on this Website may be affiliate links, through which we may earn a commission if you click through and make a purchase or sign up for a product or service. Affiliate relationships do not result in any additional cost to you.

All affiliate links on PersonalOne.org are disclosed in accordance with the Federal Trade Commission's guidelines on endorsements and testimonials. Affiliate links are identified with a (affiliate) label adjacent to the link and use the rel="sponsored" attribute in the underlying code.

Our editorial content and recommendations are not for sale. Affiliate relationships do not influence the editorial independence of our reviews, guides, or recommendations. PersonalOne may review, recommend, or cover products and services with which we have no affiliate relationship, and may decline to promote products with which we do have a relationship if we do not believe they serve our members.

We currently participate in affiliate programs including, but not limited to, programs offered by debt relief, banking, credit, and financial services companies. A current list of active affiliate relationships is available upon request by emailing info@personalone.org.

PersonalOne is not responsible for the products, services, pricing, or practices of any affiliate partner. All transactions made through affiliate links are governed by the terms and conditions of the respective third-party company. We encourage you to review the terms and privacy policies of any third party before completing a transaction.

22. Notices and Electronic Communications

Except as explicitly stated otherwise, any notices you send to us shall be sent by email to info@personalone.org, Attn: Legal Notices. In the case of notices we send to you, you consent to receive those notices and other communications by us posting notices on this Website, sending you an email at the email address you previously provided, or mailing a notice to you at your address previously provided. You agree that all agreements, notices, disclosures, and other communications that we provide to you satisfy any legal requirement that such communications be in writing. Notice shall be deemed given 24 hours after the notice is posted on this Website or an electronic message is sent, unless the sending party is notified that the message did not reach the recipient, or three days after the date of mailing in the case of physical mail.

23. Rules for Promotions

Any sweepstakes, contests, or other promotions (collectively, "Promotions") made available through this Website may be governed by rules that are separate from these Terms and Conditions. If you participate in any Promotions, please review the applicable rules as well as our Privacy Policy. If the rules for a Promotion conflict with these Terms and Conditions, the Promotion rules will apply.

24. Miscellaneous

These Terms and Conditions, including policies and information linked from or incorporated herein, constitute the entire agreement between you and us with respect to this Website and supersede all prior or contemporaneous communications, agreements, and proposals with respect to this Website. No provision of these Terms and Conditions shall be waived except pursuant to a writing executed by the party against whom the waiver is sought. No failure to exercise, partial exercise of, or delay in exercising any right or remedy under these Terms and Conditions shall operate as a waiver or estoppel of any right, remedy, or condition. If any provision of these Terms and Conditions is held invalid, illegal, or unenforceable, the validity, legality, and enforceability of the remaining provisions will not be affected or impaired. You may not assign, transfer, or sublicense any of your rights or obligations under these Terms and Conditions without our express prior written consent. We will not be responsible for failure to fulfill any obligation due to causes beyond our control.

25. Contact Us

If you have any concerns about us or your use of this Website, please contact us with a detailed description and we will do our best to resolve it.

Email: info@personalone.org