Terms of Service

Effective Date: September 4, 2015
Last Updated: August 8, 2025

Agreement to Terms

By accessing and using WalletImpact.com (the “Website”), you accept and agree to be bound by the terms and provisions of this agreement. If you do not agree to abide by the above, please do not use this service.

About WalletImpact.com

WalletImpact.com (“we,” “us,” or “our”) is a personal finance blog that provides educational content, tips, and resources related to personal finance, budgeting, debt management, and financial wellness. The Website is owned and operated by Chris Holdheide.

Acceptance of Terms

These Terms of Service (“Terms”) govern your use of our Website and constitute a legally binding agreement between you and WalletImpact.com. By using our Website, you acknowledge that you have read, understood, and agree to be bound by these Terms.

Use License

Permission is granted to temporarily download one copy of the materials on WalletImpact.com 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
  • Attempt to reverse engineer any software contained on the Website
  • Remove any copyright or other proprietary notations from the materials

This license shall automatically terminate if you violate any of these restrictions and may be terminated by us at any time.

Educational Content Disclaimer

IMPORTANT: The information provided on WalletImpact.com is for educational and informational purposes only and should not be construed as professional financial advice.

Not Financial Advice

  • The content on this Website is not intended as personalized financial advice
  • We are not licensed financial advisors, accountants, or investment professionals
  • All financial decisions should be made in consultation with qualified professionals
  • Past performance or results do not guarantee future outcomes

General Information Only

  • Content is based on general financial principles and personal experiences
  • Your individual financial situation may require different strategies
  • Always conduct your own research before making financial decisions
  • Consider your risk tolerance, financial goals, and circumstances

Affiliate Relationships and Compensation

WalletImpact.com participates in affiliate marketing programs and may earn commissions from qualifying purchases made through affiliate links on our Website.

Disclosure

  • Some links on our Website are affiliate links
  • We may receive compensation when you click on or make purchases through these links
  • This does not affect the price you pay for products or services
  • We only recommend products and services we believe provide value to our readers

Editorial Independence

  • Our content and recommendations are not influenced by potential commissions
  • We maintain editorial independence in all reviews and recommendations
  • Affiliate relationships do not compromise our commitment to honest, unbiased content

User Content and Comments

Comment Policy

When posting comments on our Website, you agree to:

  • Provide accurate and truthful information
  • Respect other users and maintain civil discourse
  • Avoid spam, promotional content, or irrelevant material
  • Not post content that is illegal, harmful, or offensive
  • Not impersonate others or provide false information about your identity

Content Moderation

We reserve the right to:

  • Monitor, edit, or remove user-generated content
  • Block or ban users who violate our comment policy
  • Moderate comments to maintain a positive community environment

User Content License

By posting content on our Website, you grant us a non-exclusive, royalty-free license to use, reproduce, and display your content in connection with our Website and services.

Intellectual Property Rights

Our Content

All content on WalletImpact.com, including but not limited to text, images, logos, graphics, and software, is protected by copyright and other intellectual property laws. This content is owned by WalletImpact.com or our licensors.

Permitted Use

You may:

  • Share our content on social media with proper attribution
  • Quote brief excerpts with proper citation and links back to our Website
  • Use our content for personal, non-commercial purposes

Prohibited Use

You may not:

  • Republish entire articles or substantial portions without permission
  • Use our content for commercial purposes without authorization
  • Remove copyright notices or attribution
  • Create derivative works without permission

External Links Disclaimer

Our Website may contain links to external websites that are not provided or maintained by WalletImpact.com.

  • We do not guarantee the accuracy or reliability of external websites
  • Linking to external sites does not constitute endorsement
  • We are not responsible for the content or privacy practices of external sites
  • You access external links at your own risk

Limitation of Liability

To the fullest extent permitted by law, WalletImpact.com shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages resulting from:

  • Your use of or inability to use our Website
  • Any errors or omissions in our content
  • Financial decisions made based on information from our Website
  • Interruption of service or technical issues
  • Loss of data or profits

Website Availability

We strive to maintain consistent Website availability but do not guarantee uninterrupted access. We reserve the right to:

  • Modify or discontinue the Website or any features
  • Perform maintenance that may temporarily limit access
  • Suspend service for security or legal reasons

Privacy Policy

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of the Website, to understand our practices regarding the collection and use of your information.

Prohibited Uses

You may not use our Website:

  • For any unlawful purpose or to solicit unlawful acts
  • To violate any international, federal, provincial, or state regulations, rules, laws, or local ordinances
  • To transmit or procure the sending of advertising or promotional material without consent
  • To impersonate or attempt to impersonate another person or entity
  • To harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate
  • To submit false or misleading information

Termination

We may terminate or suspend your access to our Website immediately, without prior notice, if you breach these Terms of Service.

Governing Law

These Terms shall be interpreted and governed by the laws of the State of [Your State], United States, without regard to its conflict of law provisions.

Dispute Resolution

Any disputes arising from these Terms or your use of the Website shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

Severability

If any provision of these Terms is found to be unenforceable or invalid, the remaining provisions shall continue to be valid and enforceable.

Changes to Terms

We reserve the right to modify these Terms at any time. Material changes will be posted on this page with an updated “Last Updated” date. Your continued use of the Website after changes constitutes acceptance of the updated Terms.

Age Restriction

Our Website is intended for users who are at least 18 years old. Users under 18 should have parental supervision when using our Website.

Digital Millennium Copyright Act (DMCA)

If you believe that content on our Website infringes your copyright, please contact us with:

  • A detailed description of the copyrighted work
  • Information reasonably sufficient to locate the material
  • Your contact information
  • A statement of good faith belief that the use is not authorized
  • A statement of accuracy and authorization to act on behalf of the copyright owner

Contact Information

If you have any questions about these Terms of Service, please contact us at:

Email: [email protected]
Website: WalletImpact.com

Entire Agreement

These Terms of Service, together with our Privacy Policy and any other legal notices published by us on the Website, constitute the entire agreement between you and WalletImpact.com.

These Terms of Service are effective as of the date listed above and may be updated from time to time. Please review them periodically to stay informed of any changes.