Disclaimer:

We are not financial advisers. The Site MiddleClassCrunch.com is a reflection of our personal opinions, experiences and financial choices. The material presented is for entertainment purposes only. Under no circumstances will we be held liable for any consequences following financial decisions inspired by reading our material. For expert monetary assistance, please consult a licensed financial services professional.

Comment Policy:

Please remember MiddleClassCrunch.com is a weblog about personal financial experiences and choices, therefore you are free to agree or disagree with the views expressed in our material. In fact compliments, opposing views, and constructive criticism are welcome. Any comments left on the Site are the sole responsibility of the commenter and do not necessarily reflect our vision. Please keep in mind the moderators of MiddleClassCrunch.com will censor and/or remove any comments if they are deemed inappropriate. Any posting that we, by our own standards reckon rude, overly aggressive or racist will not be tolerated and therefore edited or removed without warning. In addition, we reserve the right to ban recurring offenders without notice.

Privacy Policy:

The owners of MiddleClassCrunch.com take online privacy very seriously and will attempt to protect the privacy of anyone who visits the Site. Please be aware that your IP address (or DNS), browser, operating system, and email address might be collected whenever you visit and/or leave comments. The owners of MiddleClassCrunch.com will NOT sell or communicate any information about you to any third party, advertiser or business partner. However we may at a later time choose to make certain offers or services available to our users from third parties. If we do, during the registration process and at certain points thereafter in connection with specific offers we may ask you whether your Personal Information may be sent to third parties who have products, services and opportunities which may be useful to you. If you give your permission to allow third parties to contact you, your Personal Information (such as your contact information and other information collected during your visit to our Site) may be shared with data aggregators, marketers (possibly in the form of list rental), and other organizations. MiddleClassCrunch.com may also contain links to other sites and other sites may contain references or links to our Site. Please take note that we cannot be held responsible for the privacy practices or the content of such sites. By visiting MiddleClassCrunch.com, you consent to the terms of our Privacy Policy and to MiddleClassCrunch.com processing of Personal Information for the purposes given above. If you do not agree to this Privacy Policy, please do not use our Site. We reserve the right, at our discretion, to change, modify, add, or remove portions from this Privacy Policy at any time. Your continued use of our Site following the posting of changes to these terms means you accept these changes.

If you require any more information or have any questions about our privacy policy, please feel free to contact us by email at info@middleclasscrunch.com.

At www.middleclasscrunch.com, the privacy of our visitors is of extreme importance to us. This privacy policy document outlines the types of personal information is received and collected by www.middleclasscrunch.com and how it is used.

Log Files
Like many other Web sites, www.middleclasscrunch.com makes use of log files. The information inside the log files includes internet protocol ( IP ) addresses, type of browser, Internet Service Provider ( ISP ), date/time stamp, referring/exit pages, and number of clicks to analyze trends, administer the site, track user's movement around the site, and gather demographic information. IP addresses, and other such information are not linked to any information that is personally identifiable.

Cookies and Web Beacons
www.middleclasscrunch.com does use cookies to store information about visitors preferences, record user-specific information on which pages the user access or visit, customize Web page content based on visitors browser type or other information that the visitor sends via their browser.

.:: Google, as a third party vendor, uses cookies to serve ads on www.middleclasscrunch.com.
.:: Google's use of the DART cookie enables it to serve ads to your users based on their visit to www.middleclasscrunch.com and other sites on the Internet.
.:: Users may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy at the following URL

Some of our advertising partners may use cookies and web beacons on our site. Our advertising partners include .......
Google Adsense

These third-party ad servers or ad networks use technology to the advertisements and links that appear on www.middleclasscrunch.com send directly to your browsers. They automatically receive your IP address when this occurs. Other technologies ( such as cookies, JavaScript, or Web Beacons ) may also be used by the third-party ad networks to measure the effectiveness of their advertisements and / or to personalize the advertising content that you see.

www.middleclasscrunch.com has no access to or control over these cookies that are used by third-party advertisers.

You should consult the respective privacy policies of these third-party ad servers for more detailed information on their practices as well as for instructions about how to opt-out of certain practices. www.middleclasscrunch.com's privacy policy does not apply to, and we cannot control the activities of, such other advertisers or web sites.

If you wish to disable cookies, you may do so through your individual browser options. More detailed information about cookie management with specific web browsers can be found at the browsers' respective websites.

Terms of Use:

By using MiddleClassCrunch.com, you are agreeing to be bound by our Terms of Use. If you do not wish to be bound by the terms written below, you should not register with MiddleClassCrunch.com or use the Services we provide. We may change these terms at any time, but will post a notice on top of this section if any material changes. Your continued use of MiddleClassCrunch.com and its Services means that you accept any new or modified terms and conditions. So please check back here from time to time.

Registration:

Members may only maintain one active registration with MiddleClassCrunch.com. In other words, we only allow one registration per person. By accepting this agreement, you certify that you personally have no other registration with MiddleClassCrunch.com.

Intellectual Property:

Both the written Content on MiddleClassCrunch.com and any Service we provide are protected by U.S. and international copyright laws and are the property of MiddleClassCrunch.com, its owners, and/or providers of the Content under license. By "Content" we mean any information, mode of expression, or other materials and services found on MiddleClassCrunch.com. Copying, distribution, storing, or transmission of any kind, or any commercial use of our Content, is prohibited without written permission from the owners of MiddleClassCrunch.com. That means you may not sell, auction, transfer or barter your membership with MiddleClassCrunch.com. You also may not republish, post, transmit or distribute Content found on MiddleClassCrunch.com to online bulletin and message boards, blogs, chat rooms, intranets or anywhere else without our consent. You further agree not to create abstracts from or scrape our Content for use on another website or service. Unauthorized access to our Site and its Content is a breach of these Terms and Conditions and a violation of the law. You agree not to access our Site by any means other than through the interfaces we provide for you.

Disclaimer of Warranties and Liabilities:

You are responsible for statements made and actions taken through the use of your password, so please maintain the confidentiality of your password. You agree to immediately notify our moderators of any actual or suspected unauthorized use of your username and password. We will not be responsible for any loss to you arising from unauthorized use of your data. MiddleClassCrunch.com is a website intended for entertainment purposes only. Though we strive to make our financial world a better place through our broad range of information, opinionated commentary and general enlightening, we cannot and we do not warrant the completeness or accuracy of the Content found in our Services or its usefulness for any particular purpose. We will do our best to provide entertainment, appealing and helpful information and educational tools; but we do reserve the right to make mistakes (Just a few – hey, we’re humans). To summarize, this means that you, the end user / subscriber / member agree that under no circumstances will MiddleClassCrunch.com, its owners, employees or partners be held liable for direct, indirect, incidental or any other type of damages resulting from the use of our Site. This includes, but is in no way limited to, loss or injury caused in whole or in part by our negligence or by circumstances beyond our control in creating or delivering any of our Services.

Finally:

Only you have the final word on how to handle your own money. Though MiddleClassCrunch.com may make suggestions, we are not financial advisers and will not be held liable for any investment decision made or action taken by you and others based on news, information, opinion, or any other material published through our Services. For expert monetary assistance, please consult a licensed financial services professional.