Read very carefully:
This site is operated by Acumen. You may contact us at: firstname.lastname@example.org.
Acumen.co.nz offers advice on the topic of money management, as well as products and services related to money management. All content, products and services are not to be considered as legal or professional advice, and are to be used at your own risk.
1. You agree to not use this site for any unlawful purpose.
2. Confidentiality and trade secrets: you acknowledge and agree that all content and materials available on this site, including but not limited to systems, designs, wording, colors and graphics are proprietary trade secrets protected by copyrights, trademarks, service marks, patents, or other proprietary rights and by other laws and that their use is restricted by the terms of this agreement. Use of the content or materials on this site for any purpose without written permission from Acumen is strictly prohibited. You further agree that you will create no derivative works of this site or the products offered within.
3. Disclaimer: Acumen makes no warranties of any kind (either expressed or implied) concerning the materials on the site. Further, Acumen does not warrant that transmission of the materials will not be interrupted nor does it warrant that the materials will contain no errors nor that they will be accurate. Acumen does not warrant that the site itself or the server which transmits it will be free of viruses or anything else that might be harmful. Nor do we warrant that any defects will be corrected. You alone assume all risk associated with use of the site, including the full cost of any necessary repair or service to your computer. By using the site you waive any claim whatsoever against Acumen which arises from your use, whether intended or not, of any other site. This waiver specifically includes any claim arising from a product and/or service which you purchase from any site other than Acumen.co.nz and any claim arising from security of information (including, but not limited to credit card information) which you use on this site. In addition, Acumen assumes no responsibility for any content which you find on sites that link either to or from the site. This includes responsibility for the accuracy or compliance with any laws and for any viruses or other harmful things which may be contained in these sites. Nor is Acumen responsible should any site link you to a site which you find offensive. Acumen does not endorse or warrant the quality of any goods you buy from any site other than the site. Acumen shall not be liable in any way whatsoever (including, but not limited to, negligence) for any special or consequential damages resulting from either your use of the site or your inability to use it or from your use of any site linked from or to the site. This limitation includes any circumstance in which Acumen or its representative has been advised of potential liability. Certain applicable laws may not allow all the limitations of liability described herein. Should that be the case, Acumen’s total liability to you for losses, damages, causes of action, and/or negligence shall not exceed the total amount paid by you (if any) to access the site.
4. You understand that by entering your name and email address on the entry page that you are subscribing to a free, no obligation “money management” email newsletter. This newsletter is offered as a free service by Acumen and MoneyClub.co.nz, and no purchase is necessary. On occasion, subscribers have had trouble removing themselves from this free newsletter. If you have trouble subscribing or removing, you may contact us at email@example.com for personal attention. By entering this website, you agree that you wish to be subscribed to this newsletter, and that you will make no threats, and take no additional action against Acumen or MoneyClub.co.nz in the event you are unhappy that you subscribed or are not able to remove yourself from this free mailing list, and you agree that the small inconvenience of receiving this unwanted newsletter will cause you no personal, emotional, or financial harm whatsoever. You agree that you have opted-in to receive our newsletter by providing your first name and email address on our website. If you do not wish to receive our newsletter, simply click on the unsubscribe link at the bottom of the newsletter. If you need further assistance, please contact us at firstname.lastname@example.org or write to us at: Acumen, PO Box 91 544, Auckland Central, Auckland 1142, New Zealand.
5. Notice about testimonials: testimonials are all true, reflect the opinions and experiences of real users of Acumen products, and are submitted to Acumen voluntarily by customers. If you would like to submit a testimonial to Acumen you agree that it becomes the exclusive property of Acumen which for example includes the rights to reproduce, edit (for length but not general content), and/or publish the testimonial, which may include your name or initials and city/state/country of residence. Some customers that have submitted testimonials may have received a Acumen product or service as a “thank you” in appreciation for the time they invested to write or record their testimonials. Thank you!