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Terms of Use and Financial Disclaimer

Effective date: August 15, 2026 Last updated: August 15, 2026

These Terms of Use and Financial Disclaimer ("Terms") govern your access to and use of nevermorebroke.com and its articles, website features, and other materials (collectively, the "Content").

By accessing or using the Site, you agree to these Terms. If you do not agree, do not use the Site.

1. Educational and Informational Purposes Only

Nevermore Broke provides general educational and informational content about topics that may include:

  • Personal finance
  • Budgeting
  • Saving
  • Debt
  • Investing
  • Financial independence
  • Income generation
  • Entrepreneurship
  • Print-on-demand businesses
  • Affiliate marketing
  • Money habits and financial psychology

The Content is based on personal experiences, opinions, research, observations, and general educational information.

The Site operator is not acting as your accountant, attorney, certified public accountant, financial planner, investment adviser, broker, tax professional, insurance professional, credit counselor, or other licensed professional.

Nothing on the Site constitutes personalized financial, investment, legal, accounting, tax, credit, insurance, or other professional advice.

2. No Professional or Fiduciary Relationship

Your use of the Site does not create:

  • A professional-client relationship
  • An adviser-client relationship
  • A fiduciary relationship
  • An attorney-client relationship
  • An accountant-client relationship
  • A broker-client relationship
  • Any other confidential or professional relationship

Sending an email, submitting a form, leaving a comment, or receiving a response does not create such a relationship.

Nevermore Broke does not know your complete financial situation, income, expenses, debts, goals, tax circumstances, risk tolerance, legal obligations, or personal needs. Information that may be reasonable for one person may be inappropriate or harmful for another.

Consult an appropriately qualified professional before making significant financial, investment, legal, tax, insurance, or business decisions.

3. Your Decisions and Responsibility

You are solely responsible for evaluating information and deciding whether to act on it.

Before making a financial decision, you should:

  • Conduct your own independent research
  • Verify information using reliable primary sources
  • Consider your individual financial circumstances
  • Understand the risks, costs, restrictions, and tax consequences
  • Consult an appropriately licensed professional when necessary

You assume responsibility for decisions, transactions, purchases, investments, losses, expenses, taxes, and other consequences resulting from your use or interpretation of the Content.

Do not rely on Nevermore Broke as the sole source for any important financial decision.

4. Investment Risk

All investments involve risk. You may lose some or all of the money you invest.

Past performance does not guarantee future results. Historical results, examples, projections, estimates, illustrations, opinions, and personal experiences do not guarantee that you will achieve similar results.

Nevermore Broke does not guarantee:

  • Investment returns
  • Income
  • Savings
  • Debt reduction
  • Business revenue
  • Credit improvement
  • Tax outcomes
  • Employment results
  • Financial independence
  • The success of any strategy, product, platform, or service

References to stocks, funds, cryptocurrency, businesses, financial products, or other assets are for general informational purposes unless expressly stated otherwise. They are not recommendations to buy, sell, hold, or avoid any security, asset, or financial product.

Never invest money you cannot afford to lose.

5. No Guarantees of Accuracy or Completeness

We try to provide useful and accurate information, but financial rules, tax laws, interest rates, fees, product terms, platform features, prices, regulations, and market conditions can change.

Content may contain errors, omissions, outdated information, incomplete explanations, or differences of opinion. We do not guarantee that Content is accurate, complete, current, reliable, suitable, or available.

Publication or update dates do not guarantee that every statement remains current. You should verify important information directly with authoritative sources and relevant providers before acting.

We may correct, modify, update, or remove Content at any time without notice.

6. Personal Experiences and Results

Stories, examples, income figures, savings results, investment experiences, business outcomes, and other personal accounts represent individual experiences.

They are not promises, guarantees, or representations of what you will achieve. Your results will depend on numerous factors, including your circumstances, decisions, effort, timing, skills, expenses, market conditions, and risk tolerance.

Any hypothetical example is provided only to illustrate a concept. It does not represent a guaranteed or expected result.

7. AI-Assisted Content

Nevermore Broke may use artificial-intelligence tools to assist with research organization, outlining, drafting, editing, formatting, image creation, or other production tasks.

AI-assisted material may contain inaccuracies, incomplete information, or fabricated details. We aim to review Content before publication, but we do not guarantee that every error will be identified.

AI-assisted Content does not constitute professional advice and should not replace independent research or consultation with a qualified professional.

8. Affiliate Links, Sponsorships, and Compensation

The Site may include affiliate links, referral links, sponsored content, advertisements, or other compensated relationships.

Nevermore Broke may receive a commission or other compensation if you click a link, register for a service, or make a purchase. This generally does not increase the price you pay.

Material relationships will be disclosed clearly where required. Compensation may influence which products or services are discussed, but opinions are intended to reflect honest views and experiences.

An affiliate relationship is not a guarantee or endorsement of a product's safety, suitability, quality, legality, financial condition, or future performance.

You are responsible for investigating a product or service and reviewing its current prices, terms, cancellation requirements, privacy practices, risks, and limitations before purchasing or enrolling.

9. Third-Party Products, Services, and Links

The Site may reference or link to third-party websites, financial institutions, software, products, marketplaces, creators, or services.

We do not control and are not responsible for third-party:

  • Content
  • Pricing
  • Availability
  • Security
  • Performance
  • Privacy practices
  • Terms and conditions
  • Claims or representations
  • Products or services

A link or reference does not necessarily constitute an endorsement. Your dealings with third parties are solely between you and the applicable third party.

10. Calculators, Worksheets, Downloads, and Tools

Any calculator, worksheet, template, checklist, spreadsheet, estimate, or interactive tool provided through the Site is for general educational use.

Results may be based on assumptions, simplified formulas, user-provided information, or incomplete data. Results should be independently verified and should not be treated as financial, investment, tax, accounting, or legal advice.

You are responsible for confirming that any tool or calculation is appropriate for your circumstances.

11. Acceptable Use

You agree not to:

  • Use the Site for unlawful, fraudulent, or abusive purposes
  • Attempt to gain unauthorized access to the Site or related systems
  • Introduce malware, malicious code, or disruptive technologies
  • Scrape, copy, reproduce, or redistribute substantial portions of the Site without permission
  • Misrepresent Content as professional advice issued specifically to you
  • Use the Site in a way that interferes with its security or operation
  • Infringe intellectual-property or privacy rights

We may restrict access to the Site when reasonably necessary to protect the Site, its users, or others.

12. Intellectual Property

Unless otherwise stated, the Site and its original Content, branding, graphics, downloads, and presentation are owned by or licensed to Nevermore Broke and are protected by applicable intellectual-property laws.

You may access and use the Content for personal, noncommercial purposes. You may not reproduce, republish, sell, license, distribute, modify, or commercially exploit the Content without prior written permission, except where permitted by law.

Third-party names, logos, trademarks, and content remain the property of their respective owners.

13. Disclaimer of Warranties

To the fullest extent permitted by applicable law, the Site and Content are provided "as is" and "as available," without warranties of any kind, express or implied.

Nevermore Broke disclaims warranties including merchantability, fitness for a particular purpose, title, noninfringement, accuracy, availability, security, and uninterrupted operation.

We do not warrant that the Site will always be available, error-free, secure, or free from harmful components.

Some jurisdictions do not allow certain warranty exclusions, so some exclusions may not apply to you.

14. Limitation of Liability

To the fullest extent permitted by applicable law, Nevermore Broke and its owner, contributors, contractors, affiliates, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from or related to:

  • Your access to or use of the Site
  • Your inability to access or use the Site
  • Your reliance on any Content
  • Financial or investment decisions
  • Lost income, profits, savings, opportunities, or data
  • Purchases from third parties
  • Unauthorized access, security incidents, or service interruptions

If liability cannot legally be excluded, our aggregate liability arising from or related to the Site will be limited to the greater of the amount you paid directly to Nevermore Broke during the twelve months preceding the claim or one hundred United States dollars.

Nothing in these Terms excludes liability that cannot legally be excluded or limited.

15. Indemnification

To the fullest extent permitted by applicable law, you agree to defend, indemnify, and hold harmless Nevermore Broke and its owner, contributors, contractors, affiliates, and service providers from claims, losses, liabilities, damages, judgments, costs, and expenses arising from:

  • Your misuse of the Site
  • Your violation of these Terms
  • Your violation of applicable law
  • Your infringement of another person's rights
  • Content or information you submit through the Site

16. Changes to the Site or Terms

We may modify, suspend, or discontinue any part of the Site at any time.

We may update these Terms by posting a revised version with a new "Last updated" date. Your continued use of the Site after revised Terms are posted constitutes acceptance of the revised Terms.

17. Severability

If any provision of these Terms is found unenforceable, the remaining provisions will remain in effect. The unenforceable provision will be interpreted or modified only to the extent necessary to make it enforceable where permitted by law.

18. No Waiver

Failure to enforce a provision of these Terms does not waive the right to enforce that provision later.

19. Contact

Questions about these Terms may be sent to:

Nevermore Broke Website: https://nevermorebroke.com Email: nevermorebroke@gmail.com

Owner and legal review pending: These owner-supplied terms are a practical baseline and have not been represented as attorney-approved or as guaranteeing legal compliance.