TERMS OF USE

YOU AGREE TO READ THESE TERMS AND CONDITIONS OF USE CAREFULLY BEFORE USING THIS WEBSITE. Your continued use of this website indicates your continued acceptance of these terms and conditions.

Changes to “Terms of Use”
Weldon Enterprises LLC may modify, add or remove any portion of these terms, in whole or in part, at any time by posting an amended version of the “Terms of Use” on the website. Changes in these terms will be effective when posted. Your continued use of the website after any changes to the Terms are posted will be considered acceptance of those changes.

License to use this website
Subject to the terms and conditions set forth in this Agreement, Weldon Enterprises LLC grants you a non-exclusive, non-transferable, limited right to access, use and display the jameswstone.com website and the materials thereon, provided that you comply fully with these Terms of Use. This website is only for your personal noncommercial use. You agree not to interrupt or attempt to interrupt the operation of the website in any way.

Ownership
The Website jameswstone.com (website) is owned and operated by Weldon Enterprises LLC, Northbrook, IL (owner).  All content provided on the site is copyright by the owner unless specified otherwise.

Certain terms and phrases used on the website are trademarks of Weldon Enterprises LLC.  These include Spend Joyfully™, Money Attitude™, and Financial Lifestyle™.  Other terms and phrases used on the website may be trademarks of their respective owners.  This website will make every effort to identify trademarks of other owners.

Content
Content on this website is managed in four categories:  First, the blog section is editorial in nature, providing commentary on contemporary issues.  The author of a blog article will be identified, and the content is approved by the owner of the website.  Second, the comments on the blog are provided by registered users of the website.  Those users are responsible for the content of their posts.  The owner of the website may modify or remove posts that are offensive, commercial, promoting criminal activity, or of questionable intent.  Third, the body of the website contains tools for learning and helping you managing your personal financial situation. These are generally built from accepted mathematic formulas and represent commonly accepted procedures.  And, Fourth, this website provides referrals to other third-party sites that provide support you might find useful.  We have no control over the availability or the content of these referred sites.  At the time we provided the link on this website to take you to another website, we reviewed the site and approved its purpose as suitable for our interests.  The other site might change its purpose, its content, or might have removed itself from the internet.  Such happenings are beyond our control.  If you encounter a problem of this nature with a referred site, please let us know with an e-mail from the “contact us” page.

The content of this website is believed to be correct.  While many of the statements made might provide a point for argument sake, the overall context of the statements must be taken as a whole.  If you believe there are statements made by the website that are incorrect or misleading, please bring this to our attention with an e-mail from the “contact us” page. If you do not agree with what the website is trying to accomplish, you should also e-mail us on the “contact us”.  Let us know.

This website deals in matters pertaining to personal finance.  There is no intent to provide specific advice on investment matters.  The site is educational in scope, providing an understanding of problems you face when dealing with personal finance and exploring ways to solve those problems.  None of the information provided on this site is specific to the needs of an individual user.  Much of the content is appropriate for use in any country, but we start with the assumption that you are in the United States.  When you need specific financial advice, get it from a certified practitioner in this field, such as a Certified Financial Planner, or a Certified Public Accountant who specializes in the area of your need.

Your use of content
You may print or download content from the website for your personal use, you must keep this content intact with all copyright and other notices of ownership.   You may not modify the content taken from this website.  You may not distribute, upload, transmit, republish, copy, or reproduce the content from this website without express permission.  This includes both commercial and not-for-profit use.  If we can help you by providing specific versions of any content, please ask.  (Permission request should be directed via e-mail to Jim@jameswstone.com, include your name, and contact information, with a description of what content you are requesting and a statement of intent for how you intend to use the content.)

Monitoring of usage
We may monitor your use of the website at any time.  Statistics are regularly collected to help us manage the site, improve its design, and provide useful content.  This information does not identify individual users.

Indemnification
By visiting this site, you agree to indemnify Weldon Enterprises LLC, its owners, agents, employees, affiliates, and content providers (collectively, the “Indemnified Parties”) harmless from and against any and all liability and costs incurred by the Indemnified Parties in connection with any claim arising out of your use of the website www.jameswstone.com.  You agree to cooperate in the defense of any claim.  Weldon Enterprises LLC reserves the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, at its own expense.  You agree that you shall not in any event settle any such matter without he written consent of Weldon Enterprises LLC. 

Specific Terms for REGISTERED USERS

Your Actions on this site
Registered users have the ability to post comments on the website. As a registered user, you alone are responsible for the content and consequences of any of your messages. In addition to any other rules or regulations that we may post, you agree that you shall not upload, or post, any materials which (1) contain advertising of any kind, (2) contain statements you do not know to be true. (3) restrict or inhibit any other user from using and enjoying the website, (4) are unlawful, threatening, abusive, libelous, defamatory, offensive, sexually explicit or otherwise indecent.

You agree that any content that you upload to our site does not violate, plagiarize or infringe the proprietary rights of other people (this would include, copyright, trademark, patent, as well as confidentiality), or contain a virus or other harmful component.

You further agree not to impersonate any other person or entity, whether actual or fictitious, including other users on this site.

What Happens to your blog comments
When you post a comment to a blog article, that comment becomes the property of Weldon Enterprises LLC.  You waive all rights you may have for the contents of that comment with regard to copyright, trademarks, or other aspects of intellectual property.

We may use that comment, or parts of it, in later articles.  In such cases we would indicate that the idea or quotation came from a blog comment.  We might not state who made the comment.

We are under no obligation to maintain your comment on our website and may delete it at any time.

We may find other ways to use the comment to promote the site, or for material in another publication from Weldon Enterprises LLC or and affiliate. 

It is our general policy that we would contact you if we had any intention of using your comment, or idea wholly contained in the comment, for significant commercial gain.

We may (but are not obligated to) change your comment to correct obvious typos, clarify a thought, or remove offensive language.

Our Recourse to Misbehaving 
Users who violate the guidelines given in “Your Actions on this site” will have their registration terminated and will not be permitted to make further comments to blog articles.

Users who make attempts to disrupt the beneficial nature of the site through any means (here are a few examples: advertising in a comment, uploading a virus, attacking our server, using lists of our users for SPAM) will have their registration terminated.  Their I.P. addresses and e-mail addresses will be noted and shared with other webmasters.

Weldon Enterprises LLC
P.O. Box 217
Northbrook, IL   60065-0217