Terms and Conditions

1. The Following Terms

By accessing this website, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this web site are protected by applicable copyright and trade mark law.

2. Use License

Permission is granted to temporarily download one copy of the materials on Not Your Finance Guru’s (“NYFG”) web site for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

  • modify or copy the materials;
  • use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
  • attempt to decompile or reverse engineer any materials contained on Natural Family Today’s web site;
  • remove any copyright or other proprietary notations from the materials; or
  • transfer the materials to another person or “mirror” the materials on any other server.

This license shall automatically terminate if you violate any of these restrictions and may be terminated by NYFG at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.

3. Disclaimer

NYFG does not claim to be a financial counseling service. We are not certified financial counselors. None of the articles on this website should be taken as financial advice. Any of the interest rates, deals, websites, offers or promotions are subject to change without notice. Some of the links on this site may be affiliate links, but we only recommend products that we honestly feel will be of value to the readers. We sincerely want to help and we think we can, but if you have serious financial concerns, please consult a professional.

Although many of the links on this site are purely for informational purposes, NYFG does earn a small commission on many such links including links to books and products. The thoughts and opinions of writers are their own and not of those of any sponsor or advertiser.

4. Limitations

In no event shall NYFG or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on NYFG’s Internet site, even if NYFG or a NYFG authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

5. Revisions and Errata

The materials appearing on NYFG’s web site could include technical, typographical, or photographic errors. NYFG does not warrant that any of the materials on its web site are accurate, complete, or current. NYFG may make changes to the materials contained on its web site at any time without notice. NYFG does not, however, make any commitment to update the materials.

6. Links

NYFG has not reviewed all of the sites linked to its Internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by NYFG of the site. Use of any such linked web site is at the user’s own risk.


NYFG is not responsible for any content contributors in the comments section of this website. However, NYFG actively exercises its right to moderate and edit all comments as it sees fit. We will remove any and all comments deemed to be offensive or unsuited to the subject matter of this site.

All comments containing profanity, racism, hateful or demeaning language will not be posted. Comments that are not in English will not be accepted. Basically, NYFG only accepts legitimate comments that are constructive to readers.

8. Guest Post Policy

NYFG is comprised of pure original content; therefore, we require your content be original and not previously published anywhere else in whole or in part.

NYFG reserves the right to adapt or edit your submission as deemed appropriate. By submitting your content, you hereby transfer all your rights and interest to the content submitted to NYFG. You waive any rights, including the right to publish what you submit anywhere else. You are due no compensation for this content.

You agree that the content does not violate any applicable law, rule, or regulation; any contracts with third parties; or any third-party rights. You also agree to indemnify and hold NYFG harmless from any and all liabilities or damages that may arise from providing the content.

Once the article is submitted, you agree that NYFG has the right to change any part of the submitted article at any time.

9. Product Review Policy

NYFG will write reviews for different products, including, but not limited to: books, web programs and web applications. NYFG reserves the write to accept or decline an opportunity to review any product. We will make our best effort to submit a thorough review for every product that we are asked to review. Each review is merely the opinion of the reviewer. We only review products that the reviewer has personally used and/or has experience of some sort.

10. Site Terms of Use Modifications

NYFG may revise these terms of use for its web site at any time without notice. By using this web site you are agreeing to be bound by the then current version of these Terms and Conditions of Use.

11. Governing Law

Any claim relating to NYFG’s web site shall be governed by the laws of the State of Massachusetts without regard to its conflict of law provisions.