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home › Who We Are › Privacy Policy
Privacy Policy
 
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COPYRIGHT NOTICE
Copyright © 2005, National Endowment for Financial Education. All rights reserved.
TERMS OF USE
By accessing any area of this Web site, www.smartaboutmoney.org (this "Site"), YOU AGREE TO BE LEGALLY BOUND and to abide by the terms set forth below. This Site is owned and operated by the National Endowment for Financial Education ("NEFE").
The Financial Literacy Effort
NEFE and the other supporting organizations who have contributed to this project, as indicated in the Learn About Our Partners section of this Site (the "Contributors"), have agreed to support financial literacy in an effort to help motivate and encourage consumers to take responsibility for their financial well-being. The Financial Literacy Resource Center (the “Resource Center”), found on this Site, has been developed to provide financial tools and resources in an effort to support the project.
All information, content, and other materials on this Site, provided by NEFE or the Contributors in connection with the Resource Center, are believed to be current as of the time they are posted; however, over time, legislative and regulatory changes, as well as other new developments, may date this material. While the information, content, and other materials are updated periodically, no guarantee is given that the information, content, and other materials are correct, complete or current. You expressly agree that use of this Site, and all of the information, content, and other materials provided on or through this Site, is at your sole risk.
No Warranty
TO THE FULLEST EXTENT NOT PROHIBITED BY APPLICABLE LAW, NEFE HEREBY DISCLAIMS ALL WARRANTIES AND CONDITIONS OF ANY KIND RELATED TO THIS SITE, OR THE INFORMATION, CONTENT, OR OTHER MATERIALS PROVIDED ON OR THROUGH THIS SITE, WHETHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
THIS SITE SHALL BE PROVIDED "AS IS" AND ON AN "AS AVAILABLE" BASIS. YOU RECOGNIZE AND ACCEPT THAT THE CURRENT STATE OF TECHNOLOGY DOES NOT ALLOW FOR ERROR-FREE USE OF THE SITE AND THAT INTERRUPTIONS, CRASHES, AND DOWNTIME BEYOND NEFE'S CONTROL MAY OCCUR FROM TIME TO TIME.
IN ADDITION, NEFE MAKES NO WARRANTY AS TO THE ACCURACY, RELIABILITY, OR CURRENCY OF ANY INFORMATION, CONTENT, OR MATERIALS OF ANY KIND PROVIDED THROUGH THIS SITE.
Proprietary Rights
Except for any Contributor Materials (as defined below), this Site and the entire contents of this Site, including but not limited to, any text, publications, periodicals, practice aids, graphics, illustrations, software, video, photographs, sound, and other materials provided by NEFE or NEFE's third party licensors or contractors on this Site (all such contents collectively referred to as "NEFE Content"), and the compilation of the NEFE Content and the Contributor Materials on this Site, are protected under copyright, trademark, trade secret, or other proprietary rights, including all applications and registrations thereof, in all forms, media, and technologies existing now or hereinafter developed. The NEFE Content is the exclusive property of NEFE or its third party licensors. All rights reserved.
Any materials posted on this Site, including but not limited to, any text, graphics, publications, periodicals, or practice aids provided by the Contributors (all such materials collectively referred to as "Contributor Materials") are protected under copyright, trademark, or other proprietary rights, including all applications and registrations thereof, in all forms, media, and technologies existing now or hereinafter developed. The Contributor Materials are the exclusive property of the respective organization contributing the material to NEFE, or such Contributor's third party licensors, as indicated by the copyright notice of such Contributor, or its third party licensors, included in the Contributor Materials posted on this Site. All rights reserved.
Except for any Contributor Marks (as defined below), all logos, banners, page headers, custom graphics, and button icons displayed on this Site are service marks, trademarks, or trade dress (collectively, "NEFE Marks") of NEFE or its third party licensors, and are the exclusive property of NEFE or its third party licensors. National Endowment for Financial Education® and NEFE® are the registered trademarks of the National Endowment for Financial Education.
The logos, service marks, and trademarks provided by the Contributors, and posted on this Site (collectively, "Contributor Marks") are the exclusive property of their respective owners.
Except as specifically permitted herein, copying, distributing, transmitting, displaying, modifying, or otherwise using any NEFE Content, Contributor Materials, NEFE Marks, or Contributor Marks, in any form, or by any means, without the express written permission of NEFE or the respective Contributor, is prohibited and may violate the copyright, trademark, or other laws protecting proprietary rights of the United States and other countries.
Use of This Site
Subject to your full compliance with these terms, NEFE grants you a limited, personal, non-exclusive license, terminable by NEFE at any time, to access this Site and to view, use, download, and make a reasonable number of copies of the NEFE Content, solely for your non-commercial usefor your own personal financial education purposes. The respective Contributors grant you a limited, personal, non-exclusive license, terminable by the respective Contributors at any time, to view, use, download, and make a reasonable number of copies of the Contributor Materials, solely for your own personal financial education purposes. You must reproduce, on all copies made by you, and must not remove, alter, or obscure in any way, all proprietary rights notices (including copyright notices) of NEFE or its third party licensors, or the Contributors or their third party licensors, on or within the copies of the NEFE Content or Contributor Materials. You may not resell or make commercial use of this Site or any of the NEFE Content or Contributor Materials. You may not download or copy any NEFE Content or Contributor Materials for the benefit of any commercial entity or for any purpose other than your personal, non-commercial use in connection with the Resource Center. You may not modify, delete, add to, publish, transmit, participate in the transfer or sale of, create derivative works from, or in any way exploit all or any part of the NEFE Content or Contributor Materials. You may not exploit this Site or any portion thereof for commercial purposes.
Limitation of Liability
Under no circumstances shall NEFE or any other person involved in creating, producing, hosting, or maintaining this Site be liable for any direct, indirect, incidental, special, or consequential damages that arise from or relate to the use of or inability to use this Site, including but not limited to errors in transmission, interruptions, loss or corruption of data, viruses, delays, unauthorized access to data, unauthorized modification of this Site or information, unauthorized disclosure of information, or reliance on information obtained from this Site, regardless of the cause. Because some states do not allow the exclusion or limitation of liability for consequential or incidental damages, in such states liability is limited to the fullest extent permitted by law.
Termination of User Access
NEFE may, in its sole discretion, terminate your access, or suspend your access to all or part of this Site, without notice, for any reason.
Compliance With Law
You agree to comply with all applicable laws and regulations, including U.S. export control laws.
Choice of Law
This Site, the information, content, and other materials on this Site, these Terms of Use, and the Privacy Policy below shall be governed by the laws of the State of Colorado of the United States of America, without giving effect to any principles of conflicts of laws. You hereby irrevocably and unconditionally consent to submit to the exclusive jurisdiction of the federal courts located in the State of Colorado or the state courts located in Denver, Colorado, for any litigation arising out of or relating to the use of or any transaction through this Site (and agree not to commence any litigation relating thereto except in such courts), waive any objection to the venue of any such litigation in such courts, and agree not to plead or claim in any such court that such litigation has been brought in an inconvenient forum.
Modifications
NEFE reserves the right, at any time and without notice, to add to, change, update, or modify this Site, the NEFE Content, the Contributor Materials, and these Terms of Use, simply by posting such addition, change, update, or modification on this Site. Any such addition, change, update, or modification will be effective immediately upon posting on this Site. Your continued access of this Site constitutes your acceptance to abide by these Terms of Use as modified.
Severability
If for any reason any provision of these Terms of Use shall be held invalid or unenforceable in whole or in part in any jurisdiction, such provision shall, as to such jurisdiction, be ineffective to the extent of such invalidity or unenforceability, without in any manner affecting the validity or enforceability thereof in any other jurisdiction or the remaining provisions hereof in any jurisdiction.
PRIVACY POLICY
This policy sets forth how NEFE handles information NEFE learns about you from your visit to this Site. Please be assured that NEFE is committed to fair information practices and the protection of privacy.
Types of Information Collected
NEFE may automatically track and collect the following information when you visit this Site, including your: (a) IP address; (b) domain server; (c) type of computer; and (d) type of Web browser and operating system used (collectively "Traffic Data"). Traffic Data is anonymous information that does not personally identify you but is helpful for marketing purposes or for improving your experience on this Site. NEFE may use cookies to enhance your experience on this Site. "Cookies" are small files or records that we place on your computer’s hard drive to collect information about your activities on this Site. The cookies transmit this information back to the servers at NEFE and these servers are, generally speaking, the only servers which are authorized to read such information. Most people do not know that cookies are being placed on their computers when they visit the Site because browsers are typically set to accept cookies. You can choose to have your browser warn you every time a cookie is being sent to you or you can turn off cookie placement. If you refuse cookies, you will not be able to receive certain information from this Site.
NEFE may ask for you to voluntarily provide certain information about your experience with using this Site, the NEFE Content and Contributor Materials, (collectively, "Survey Information"). Survey Information is anonymous information that does not personally identify you but is helpful for the organizations involved with the Site to evaluate the effectiveness of the Site.
NEFE does not require you to provide through this Site any information that personally identifies you.
Uses of Information Collected
NEFE may use the Traffic Data automatically collected from you to improve the content of this Site, to enhance your experience when visiting this Site, to help diagnose problems with this Site, and to help administer this Site.
NEFE may share the Survey Information with the Contributors and other third parties involved in the Site to help such parties evaluate the effectiveness of this Site.
Other Limits to Your Privacy
This Site contains links to other Web sites, including without limitation, the Web sites of the Contributors and other content providers accessible through this Site (the "Third Party Web sites"). Please be aware that such Third Party Web sites may have their own privacy and data collection policies and practices. NEFE is not responsible for any privacy practices or content of such Third Party Web sites. You should check the applicable privacy policies of such third parties when providing personally identifiable information through the Third Party Web sites.
NEFE may also make forums, message boards, bulletin boards, and news groups available to you through this Site. Please understand that any information disclosed in these areas becomes public information. NEFE has no control over the use of the information you disclose in these areas, and you should exercise caution when deciding to disclose any personal information.
Updates and Changes to Privacy Policy
NEFE reserves the right, at any time and without notice, to add to, change, update, or modify this Privacy Policy, simply by posting such addition, change, update, or modification on this Site. Any such addition, change, update, or modification will be effective immediately upon posting on this Site. Your continued access of this Site constitutes your acceptance of the Privacy Policy as modified.
COPYRIGHT NOTICE
Copyright © 2005, National Endowment for Financial Education. All rights reserved.
TERMS OF USE
By accessing any area of this Web site, www.smartaboutmoney.org (this "Site"), YOU AGREE TO BE LEGALLY BOUND and to abide by the terms set forth below. This Site is owned and operated by the National Endowment for Financial Education ("NEFE").
The Financial Literacy Effort
NEFE and the other supporting organizations who have contributed to this project, as indicated in the Learn About Our Partners section of this Site (the "Contributors"), have agreed to support financial literacy in an effort to help motivate and encourage consumers to take responsibility for their financial well-being. The Financial Literacy Resource Center (the “Resource Center”), found on this Site, has been developed to provide financial tools and resources in an effort to support the project.
All information, content, and other materials on this Site, provided by NEFE or the Contributors in connection with the Resource Center, are believed to be current as of the time they are posted; however, over time, legislative and regulatory changes, as well as other new developments, may date this material. While the information, content, and other materials are updated periodically, no guarantee is given that the information, content, and other materials are correct, complete or current. You expressly agree that use of this Site, and all of the information, content, and other materials provided on or through this Site, is at your sole risk.
No Warranty
TO THE FULLEST EXTENT NOT PROHIBITED BY APPLICABLE LAW, NEFE HEREBY DISCLAIMS ALL WARRANTIES AND CONDITIONS OF ANY KIND RELATED TO THIS SITE, OR THE INFORMATION, CONTENT, OR OTHER MATERIALS PROVIDED ON OR THROUGH THIS SITE, WHETHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
THIS SITE SHALL BE PROVIDED "AS IS" AND ON AN "AS AVAILABLE" BASIS. YOU RECOGNIZE AND ACCEPT THAT THE CURRENT STATE OF TECHNOLOGY DOES NOT ALLOW FOR ERROR-FREE USE OF THE SITE AND THAT INTERRUPTIONS, CRASHES, AND DOWNTIME BEYOND NEFE'S CONTROL MAY OCCUR FROM TIME TO TIME.
IN ADDITION, NEFE MAKES NO WARRANTY AS TO THE ACCURACY, RELIABILITY, OR CURRENCY OF ANY INFORMATION, CONTENT, OR MATERIALS OF ANY KIND PROVIDED THROUGH THIS SITE.
Proprietary Rights
Except for any Contributor Materials (as defined below), this Site and the entire contents of this Site, including but not limited to, any text, publications, periodicals, practice aids, graphics, illustrations, software, video, photographs, sound, and other materials provided by NEFE or NEFE's third party licensors or contractors on this Site (all such contents collectively referred to as "NEFE Content"), and the compilation of the NEFE Content and the Contributor Materials on this Site, are protected under copyright, trademark, trade secret, or other proprietary rights, including all applications and registrations thereof, in all forms, media, and technologies existing now or hereinafter developed. The NEFE Content is the exclusive property of NEFE or its third party licensors. All rights reserved.
Any materials posted on this Site, including but not limited to, any text, graphics, publications, periodicals, or practice aids provided by the Contributors (all such materials collectively referred to as "Contributor Materials") are protected under copyright, trademark, or other proprietary rights, including all applications and registrations thereof, in all forms, media, and technologies existing now or hereinafter developed. The Contributor Materials are the exclusive property of the respective organization contributing the material to NEFE, or such Contributor's third party licensors, as indicated by the copyright notice of such Contributor, or its third party licensors, included in the Contributor Materials posted on this Site. All rights reserved.
Except for any Contributor Marks (as defined below), all logos, banners, page headers, custom graphics, and button icons displayed on this Site are service marks, trademarks, or trade dress (collectively, "NEFE Marks") of NEFE or its third party licensors, and are the exclusive property of NEFE or its third party licensors. National Endowment for Financial Education® and NEFE® are the registered trademarks of the National Endowment for Financial Education.
The logos, service marks, and trademarks provided by the Contributors, and posted on this Site (collectively, "Contributor Marks") are the exclusive property of their respective owners.
Except as specifically permitted herein, copying, distributing, transmitting, displaying, modifying, or otherwise using any NEFE Content, Contributor Materials, NEFE Marks, or Contributor Marks, in any form, or by any means, without the express written permission of NEFE or the respective Contributor, is prohibited and may violate the copyright, trademark, or other laws protecting proprietary rights of the United States and other countries.
Use of This Site
Subject to your full compliance with these terms, NEFE grants you a limited, personal, non-exclusive license, terminable by NEFE at any time, to access this Site and to view, use, download, and make a reasonable number of copies of the NEFE Content, solely for your non-commercial usefor your own personal financial education purposes. The respective Contributors grant you a limited, personal, non-exclusive license, terminable by the respective Contributors at any time, to view, use, download, and make a reasonable number of copies of the Contributor Materials, solely for your own personal financial education purposes. You must reproduce, on all copies made by you, and must not remove, alter, or obscure in any way, all proprietary rights notices (including copyright notices) of NEFE or its third party licensors, or the Contributors or their third party licensors, on or within the copies of the NEFE Content or Contributor Materials. You may not resell or make commercial use of this Site or any of the NEFE Content or Contributor Materials. You may not download or copy any NEFE Content or Contributor Materials for the benefit of any commercial entity or for any purpose other than your personal, non-commercial use in connection with the Resource Center. You may not modify, delete, add to, publish, transmit, participate in the transfer or sale of, create derivative works from, or in any way exploit all or any part of the NEFE Content or Contributor Materials. You may not exploit this Site or any portion thereof for commercial purposes.
Limitation of Liability
Under no circumstances shall NEFE or any other person involved in creating, producing, hosting, or maintaining this Site be liable for any direct, indirect, incidental, special, or consequential damages that arise from or relate to the use of or inability to use this Site, including but not limited to errors in transmission, interruptions, loss or corruption of data, viruses, delays, unauthorized access to data, unauthorized modification of this Site or information, unauthorized disclosure of information, or reliance on information obtained from this Site, regardless of the cause. Because some states do not allow the exclusion or limitation of liability for consequential or incidental damages, in such states liability is limited to the fullest extent permitted by law.
Termination of User Access
NEFE may, in its sole discretion, terminate your access, or suspend your access to all or part of this Site, without notice, for any reason.
Compliance With Law
You agree to comply with all applicable laws and regulations, including U.S. export control laws.
Choice of Law
This Site, the information, content, and other materials on this Site, these Terms of Use, and the Privacy Policy below shall be governed by the laws of the State of Colorado of the United States of America, without giving effect to any principles of conflicts of laws. You hereby irrevocably and unconditionally consent to submit to the exclusive jurisdiction of the federal courts located in the State of Colorado or the state courts located in Denver, Colorado, for any litigation arising out of or relating to the use of or any transaction through this Site (and agree not to commence any litigation relating thereto except in such courts), waive any objection to the venue of any such litigation in such courts, and agree not to plead or claim in any such court that such litigation has been brought in an inconvenient forum.
Modifications
NEFE reserves the right, at any time and without notice, to add to, change, update, or modify this Site, the NEFE Content, the Contributor Materials, and these Terms of Use, simply by posting such addition, change, update, or modification on this Site. Any such addition, change, update, or modification will be effective immediately upon posting on this Site. Your continued access of this Site constitutes your acceptance to abide by these Terms of Use as modified.
Severability
If for any reason any provision of these Terms of Use shall be held invalid or unenforceable in whole or in part in any jurisdiction, such provision shall, as to such jurisdiction, be ineffective to the extent of such invalidity or unenforceability, without in any manner affecting the validity or enforceability thereof in any other jurisdiction or the remaining provisions hereof in any jurisdiction.
PRIVACY POLICY
This policy sets forth how NEFE handles information NEFE learns about you from your visit to this Site. Please be assured that NEFE is committed to fair information practices and the protection of privacy.
Types of Information Collected
NEFE may automatically track and collect the following information when you visit this Site, including your: (a) IP address; (b) domain server; (c) type of computer; and (d) type of Web browser and operating system used (collectively "Traffic Data"). Traffic Data is anonymous information that does not personally identify you but is helpful for marketing purposes or for improving your experience on this Site. NEFE may use cookies to enhance your experience on this Site. "Cookies" are small files or records that we place on your computer’s hard drive to collect information about your activities on this Site. The cookies transmit this information back to the servers at NEFE and these servers are, generally speaking, the only servers which are authorized to read such information. Most people do not know that cookies are being placed on their computers when they visit the Site because browsers are typically set to accept cookies. You can choose to have your browser warn you every time a cookie is being sent to you or you can turn off cookie placement. If you refuse cookies, you will not be able to receive certain information from this Site.
NEFE may ask for you to voluntarily provide certain information about your experience with using this Site, the NEFE Content and Contributor Materials, (collectively, "Survey Information"). Survey Information is anonymous information that does not personally identify you but is helpful for the organizations involved with the Site to evaluate the effectiveness of the Site.
NEFE does not require you to provide through this Site any information that personally identifies you.
Uses of Information Collected
NEFE may use the Traffic Data automatically collected from you to improve the content of this Site, to enhance your experience when visiting this Site, to help diagnose problems with this Site, and to help administer this Site.
NEFE may share the Survey Information with the Contributors and other third parties involved in the Site to help such parties evaluate the effectiveness of this Site.
Other Limits to Your Privacy
This Site contains links to other Web sites, including without limitation, the Web sites of the Contributors and other content providers accessible through this Site (the "Third Party Web sites"). Please be aware that such Third Party Web sites may have their own privacy and data collection policies and practices. NEFE is not responsible for any privacy practices or content of such Third Party Web sites. You should check the applicable privacy policies of such third parties when providing personally identifiable information through the Third Party Web sites.
NEFE may also make forums, message boards, bulletin boards, and news groups available to you through this Site. Please understand that any information disclosed in these areas becomes public information. NEFE has no control over the use of the information you disclose in these areas, and you should exercise caution when deciding to disclose any personal information.
Updates and Changes to Privacy Policy
NEFE reserves the right, at any time and without notice, to add to, change, update, or modify this Privacy Policy, simply by posting such addition, change, update, or modification on this Site. Any such addition, change, update, or modification will be effective immediately upon posting on this Site. Your continued access of this Site constitutes your acceptance of the Privacy Policy as modified.
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