Note: This page is required by the FTC. However instead of reinventing the wheel, I took the generous offer from Tim Ferris to borrow the text and images from his disclosure page.

This blog is not primarily financially driven. I put it up in 2014 to build a community and share my experiences and learn from other smart readers.

Regardless, beginning December 1, 2009, the FTC requires bloggers to disclose whenever there could be hidden interests or unspoken biases related to recommendations.  So here goes…

FTC Disclosure

Per the FTC rules, if I interview someone and they grab the bill for lunch, I would need to disclose this. Ditto if I use an Amazon link that gets me 8 cents instead of an Amazon link that gets me 0 cents. If someone gives me a comfy t-shirt with a logo and I wear it in a photo, same deal. Disclaimers all over the place. This would be tedious for me and even more tedious for readers. But rules is rules. To cover my ass and preserve your reading experience, please assume that, for every link and product I use, the following all hold true:




General Terms and Conditions applicable to Use of a Web Site

Per FTC guidelines, this website may be compensated by companies mentioned through advertising, affiliate programs or otherwise. Any references to third party products, rates, or websites are subject to change without notice. Please do the appropriate research before participating in any third party offers.

Web Site Terms and Conditions of Use

1. Terms
By accessing this web site, 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 trademark law.

2. Use License
a. Permission is granted to temporarily download one copy of the materials
(information or software) on GenYFinanceGuy.com’s 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:
i. modify or copy the materials;
ii. use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
iii. attempt to decompile or reverse engineer any software contained on GenYFinanceGuy.com’s web site;
iv. remove any copyright or other proprietary notations from the materials; or
v. transfer the materials to another person or “mirror” the materials on any other server.
b. This license shall automatically terminate if you violate any of these restrictions and may be terminated by GenYFinanceGuy.com 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
a. The materials on GenYFinanceGuy.com’s web site are provided “as is”. GenYFinanceGuy.com makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, GenYFinanceGuy.com does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet web site or otherwise relating to such materials or on any sites linked to this site.

4. Limitations
In no event shall GenYFinanceGuy.com 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 GenYFinanceGuy.com’s Internet site, even if GenYFinanceGuy.com or a GenYFinanceGuy.com 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 GenYFinanceGuy.com’s web site could include technical, typographical, or photographic errors. GenYFinanceGuy.com does not warrant that any of the materials on its web site are accurate, complete, or current. GenYFinanceGuy.com may make changes to the materials contained on its web site at any time without notice. GenYFinanceGuy.com does not, however, make any commitment to update the materials.

6. Links
GenYFinanceGuy.com 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 GenYFinanceGuy.com of the site. Use of any such linked web site is at the user’s own risk.

7. Site Terms of Use Modifications
GenYFinanceGuy.com 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.

8. Governing Law
Any claim relating to GenYFinanceGuy.com’s web site shall be governed by the laws of the State of California without regard to its conflict of law provisions.

9. Use Of Pictures
You may use the pictures taken by Gen Y Finance Guy if you provide a credit link back to GenYFinanceGuy.com and an e-mail notification or comment on a post that you have done so.

10. Legal Age

You may not use the Services and may not accept the Terms if 1) you are not of legal age to form a binding contract with Gen Y Finance GUy, or 2) you are a person barred from receiving the Services under the laws of the United States or other countries including the country in which you are resident or from which you use the Services.

Privacy Policy

Protecting your private information is our priority. This Statement of Privacy applies to the domain www.genyfinanceguy.com & Gen Y Finance Guy, and governs data collection and usage. For the purposes of this Privacy Policy, unless otherwise noted, all references to Gen Y Finance Guy include www.genyfinanceguy.com and Gen Y Finance Guy. The website is a blog on anything and everything personal finance. By using the website, you consent to the data practices described in this statement.

Collection of your Personal Information

We do not collect personally identifiable information from our users. We may gather personal or non-personal information in the future.

Information about your computer hardware and software may be automatically collected by Gen Y Finance Guy. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the Gen Y Finance Guy.

Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through Gen Y Finance Guy public message boards (post & comments), this information may be collected and used by others.

Gen Y Finance Guy encourages you to review the privacy statements of websites you choose to link to from Gen Y Finance Guy so that you can understand how those websites collect, use and share your information. Gen Y Finance Guy is not responsible for the privacy statements or other content on websites outside of the Gen Y Finance Guy website.

Security of your Personal Information

Gen Y Finance Guy secures your personal information from unauthorized access, use or disclosure.

Opt-Out & Unsubscribe

We respect your privacy and give you an opportunity to opt-out of receiving announcements of certain information. Users may opt-out of receiving any or all communications from Gen Y Finance Guy by contacting us in the reply section below this page.

Changes to this Statement

Gen Y Finance Guy will occasionally update this Statement of Privacy to reflect company and customer feedback. Gen Y Finance Guy encourages you to periodically review this Statement to be informed of how Gen Y Finance Guy is protecting your information.

Contact Information

Gen Y Finance Guy welcomes your questions or comments regarding this Statement of Privacy. If you believe that Gen Y Finance Guy has not adhered to this Statement, please contact Gen Y Finance Guy in the reply section below this page.

Effective as of September 1, 2014


Please feel free to use the text and images on this page with proper attribution. There is no reason why each blogger should have to reinvent the wheel.

(Illustrations courtesy of Louis Gray and Jeannine Schafer)