By downloading or copying any content from this site, you agree to the following terms and conditions. The content available from this site (the “Content”) is provided by the the National Endowment for Financial Education (“NEFE”) for non-profit, non-commercial educational purposes only. As long as you comply with the terms and conditions of this Content License Agreement, NEFE grants to you a non-exclusive, revocable license to use, copy, distribute, and create derivative works based on the Content, solely for non-profit, non-commercial educational purposes.
Non-Profit Non-Commercial Uses Only
Use of the Content is strictly limited to use for non-profit, non-commercial educational purposes only. Commercial use or copying of the Content, or of any derivative work based on or generated by the Content, is not permitted under this Content License Agreement. Prohibited commercial uses include, but are not limited to:
- the sale or offering for sale of the Content or any portion thereof or any derivative work based thereon, and
- the use or copying of the Content in connection with conducting or promoting a for-profit business, or for funds-generating purposes by any person or organization.
Copies and derivative works
Subject to the other provisions of this Content License Agreement, you may:
- make copies of the Content in its entirety or of selected portions of the Content;
- make derivative works based on the Content by editing, revising or adding to the Content or portions thereof; and
- distribute copies of the Content, selected portions of the Content and derivative works based on the Content.
When making a revision or derivative work, you may not add any content or revisions that could be construed as making recommendations regarding any financial instrument or investment opportunity.
You may not include any trademarks of NEFE on any copies of the Content or derivative works based on the Content, or do anything to state, suggest or imply that you or any Content or derivative work based on the Content that you make or distribute is in any way affiliated with, sponsored or endorsed by NEFE.
The Content is the intellectual property of NEFE and its suppliers. Except as expressly stated herein, this Content License Agreement does not grant you any intellectual property rights in the Content and all rights not expressly granted are reserved to NEFE and its suppliers.
Revocation of License
NEFE may, by notice to you, terminate and revoke any or all of the rights granted to you under this Content License Agreement for any reason. In addition, your rights under this Content License Agreement shall immediately terminate if you breach any provision of this Content License Agreement. NEFE expressly reserves the right to pursue legal action against any you if you breach any term of this Content License Agreement.
NEFE does not provide financial or investment advice and does not make any recommendations regarding any financial instrument or investment opportunity. NEFE does not warrant the performance or results users may obtain by using the Content.
THE INFORMATION AND CONTENT INCLUDED IN OR AVAILABLE THROUGH THIS WEB SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. NEFE AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE INFORMATION AND CONTENT AT ANY TIME. INFORMATION AND CONTENT ADVICE RECEIVED OR OBTAINED VIA THIS WEB SITE SHOULD NOT BE RELIED UPON FOR PERSONAL, MEDICAL, LEGAL OR FINANCIAL DECISIONS AND YOU SHOULD CONSULT AN APPROPRIATE PROFESSIONAL FOR SPECIFIC ADVICE TAILORED TO YOUR SITUATION.
DISCLAIMER OF WARRANTIES. NEFE AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION AND CONTENT INCLUDED IN OR AVAILABLE THROUGH THIS WEB SITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION AND CONTENT IS PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF ANY KIND. NEFE AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION AND CONTENT, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.
You agree to indemnify and hold harmless NEFE and its affiliates, officers, directors, agents and employees against any and all any and all liabilities, losses, actions, damages or claims (including legal fees and expenses) arising out of or relating to the Content, any work based on, derived from, or incorporating any portion of the Content, or any copying, modification, distribution, use of or reliance on the Content or any work based on, derived from, or incorporating any portion of the Content.
Any clause of this Content License Agreement declared invalid shall be deemed severable and shall not affect the validity or enforceability of the remainder.
Interpretation and enforcement of this Content License Agreement and are governed by the laws of the State of Colorado, excluding the application of its conflicts of law rules.