Disclaimer / Terms & Conditions / Legal Statement

It is the reader’s responsibility to observe all applicable laws and regulations of the relevant jurisdiction(s) before accessing the information contained in this blogsite. Users are held to have expressly accepted cookies, privacy standards and the terms and conditions of this disclaimer by entering this blogsite. Entering constitutes a legal and valid electronic signature and represents evidence of the reader’s consent to be bound by this disclaimer.

Vagabond Finances is administered by Vagabondable LLC which is owned by a nonprofit worker with over 20 years of ministry experience but absolutely no training or certification or licensing in the areas of finance, law, taxation or the like.

Vagabond Finances is not a broker/dealer, financial expert, investment advisor or the like and has no access to non-public information about publicly traded companies, tax laws or regulations. The author(s) is not a registered investment advisor, lawyer, tax consultant, financial planner, certified public accountant, tax preparer or anyone who has any expertise in the area of taxes, law, investments or finances.

The content and views expressed are for general informational purposes, without any expressed or implied warranty of any kind, including any guarantee of accuracy, completeness, balance opinion or fitness for any particular purpose. Such information and materials are provided to you on an “as is” basis. No content should be understood as a recommendation to enter into any transactions or to engage in any of the financial strategies presented on the site. We do not provide personalized recommendations or views as to whether a financial approach is suited to the financial needs of any specific individual.

All of the information found on the site, contained in the comments, found in blog posts and communicated via email or by any other means is the personal opinion of the authors of the texts. Since Vagabond Finances is merely an informational website, its contents are not intended to be investment, tax, legal or any other sort of advice. The contents are based on the owner’s personal experience – positive and negative, conversations with others and content commonly found on financial websites. The blogsite assumes no responsibility for errors or omissions, though the owner does attempt to offer reasonably accurate information.

This site is not a place for the giving or receiving of financial advice. Vagabond Finances does not offer advice concerning investment, tax or legal decisions. The user must know that Vagabond Finances is not regulated, certified or licensed by any financial services authority in any country, inform himself or herself, and make his or her own decisions.

The general information provided by Vagabond Finances carries no warranty or representation of any kind, express or implied. In particular, no warranty is given regarding non-infringement, security, accuracy, suitability for a particular purpose, or freedom from computer virus, Trojan horses, worms, software bombs or similar items. Moreover, the information contained in this blogsite, this disclaimer, and the privacy policy may be changed at any time without prior notice.

Investing in stocks and bonds and other similar financial items has rewards and risks. There is a high probability of losing capital. Living and working in more than one country or in a country that is not your passport country can also include high costs and high risks especially in the areas of laws, taxation, banking, investing, retirement and general finances. You must assess the risks yourself or seek independent professional advice.

In fact, this website encourages every reader to seek a duly licensed professional for investment advice, financial planning, tax advice and preparation, and legal counsel. It is solely the responsibility of the reader to apply the personal experiences and information on this site and found elsewhere only if and how that information is appropriate to his or her situation. The reader must use this information as he or she sees fit and at his or her own risk. The user’s particular situation may not reflect those of the blogsite’s owner or be suited to the examples, tools, opportunities and other information provided, so please ignore the blogsite’s information or adjust the use of the information accordingly. It is vital to do your own analysis before making any financial decisions. Such decisions must be based on your own personal circumstances which neither Vagabond Finances or anyone else will never know like you do. You should seek out independent financial advice from a professional to verify any information that you find on this site, whether for the purpose of making an investment decision or otherwise. Your financial decisions must be based on your own independent due diligence, including consulting with professionals as needed.

The blogsite may provide affiliate links to services which it believes might be of interest to our readers. This blogsite may use advertising services like Google’s AdSense, but Vagabond Finances has no control over said content. Vanguard Finances does not take responsibility for the content, privacy or security measures of the services or products mentioned or featured on this blogsite or of any outside links.

Any services, tools, website, companies or other that are spoken of highly, linked to and so on represent services that the author has personally used to good effect in his own experience. None of these comments, content, affiliations, or links should be considered recommendations or endorsements for specific individuals. Vagabond Finances will not be liable in respect of any damage, expense or other loss anyone may suffer arising out of such information or any reliance placed on the site’s content or placed on services discussed on this purely informational blogsite. Any arrangements between the user and any third party contacted via the blog are at the expressed and sole risk of the user. Use of links other sites or resources are the user’s own risk. The content, opinions expressed, accuracy, and external links provided at those sites are not investigated or endorsed by Vagabond Finances. Users are solely responsible to investigate for themselves before proceeding with any of these third parties. All activities conducted by users at or via those websites and this blogsite are at the user’s own risk. The blogsite does not warrant the security of any information users provide to third parties or that other users share.

Users of Vagabond Finances should always assume that all mentions of products, external websites, and services on this blogsite are in some way compensated (whether that’s the actual case or not). Vagabondable LLC may receive affiliate referral payments generated through this site, payment for ad placement or ad clicks or other such compensation. Vagabond Finances takes a good faith approach to maintaining objectivity towards providing referrals. The blogsite obviously does not link to or mention every online and offline financial product and service.

This blogsite is not responsible for services suggested by or content provided by guest bloggers, users making comments and readers expressing opinions in any other way. Users have irrevocably waived any claims against Vagabond Finances for any loss or damage suffered as a result of any access to or interaction with any other websites, other users, guest authors and the blogsite.

By using this blogsite, users consent to waive the right to seek any form of restitution, damages, or remedy, monetary or otherwise, for any loss, harm, or damage, however caused, resulting from accessing this blogsite. The website name Vagabond Finances extends to the owning Limited Liability Corporation, Vagabondable, and its owner.

Vagabond Finances would like to once again remind the user that the value of investments may go up and down, investors may lose the money invested, past performance is not a valid guide to future performance, third parties mentioned on the site have performed well for the author(s) but may not perform well for others, and that this site offers no financial advice, urges the consultation of professionals, and provides only information that must be ignored or adapted to an individual’s circumstances which are not known to Vagabond Finances.

Once again, this blogsite, Vagabond Finances, is for informational purposes only. Please consult experts who know your situation for any advice you might desire or need.