I am a freelance writer currently living in Los Angeles. I am passionate about education, financial literacy, and empowering people to take control of their finances. My work has been featured on Rockstar Finance, Credit Karma, Student Loan Hero, The Globe and Mail and more. My main website is deardebt.com and when I am not there you may well find me answering debt-related questions on this website. In my free time, I love to to travel and have fun at karaoke.
PLEASE READ THIS AGREEMENT CAREFULLY AS IT CONTAINS IMPORTANT INFORMATION REGARDING YOUR LEGAL RIGHTS, REMEDIES AND OBLIGATIONS, INCLUDING VARIOUS LIMITATIONS AND EXCLUSIONS, AND A DISPUTE RESOLUTION CLAUSE THAT GOVERNS HOW DISPUTES WILL BE RESOLVED.
Electronic Agreement. This Agreement is an electronic contract that sets out the legally binding terms of your use of the Websites and the Service. This Agreement may be modified by CentSai from time to time, such modifications to be effective upon posting by CentSai on the Websites. By accessing and/or using the Websites or becoming a Member, you accept this Agreement and agree to the terms, conditions and notices contained or referenced herein.
Illegal and/or unauthorized uses of the Websites include, but are not limited to, collecting usernames and/or email addresses of members by electronic or other means for the purpose of sending unsolicited email, unauthorized framing of or linking to the Websites, sharing or disclosing your username or password to any third party or permitting any third party to access your account, attempting to impersonate another user or person, use of the Websites in any fraudulent or misleading manner, any automated use of the system, such as scraping the Websites, automated scripts, spiders, robots, crawlers, data mining tools or the like, interfering with, disrupting, or creating an undue burden on the Websites or the networks or services connected to the Websites, and using the Websites in a manner inconsistent with any and all applicable laws and regulations. Illegal and/or unauthorized use of the Websites may be investigated, and appropriate legal action may be taken, including without limitation, civil, criminal, and injunctive redress. Use of the Websites and Service is with the permission of CentSai, which may be revoked at any time, for any reason, in CentSai’s sole discretion.
Any Content other than Your Content is the property of the relevant Uploader, and is or may be subject to copyright, trademark rights or other intellectual property or proprietary rights. Such Content may not be downloaded, reproduced, distributed, transmitted, reuploaded, republished, displayed, sold, licensed, made available or otherwise communicated to the public or exploited for any purposes except via the features of the Websites from time to time and within the parameters set by the Uploader on the Service or with the express written consent of the Uploader. Where you repost another user's Content, or include another user's Content in a set, you acquire no ownership rights whatsoever in that Content. Subject to the rights expressly granted in this section, all rights in Content are reserved to the relevant Uploader.
The foregoing process applies to copyright only. If you discover any Content that you believe to be in violation of your trademark rights, please report this to us by email at email@example.com.
CentSai will process any notice of alleged infringement which it receives and will take appropriate action as required by the Digital Millennium Copyright Act (DMCA) 17 U.S.C. 512(c)(3) or other applicable copyright law. U.S. law provides significant penalties for submitting such a statement falsely. Under appropriate circumstances, persons who repeatedly submit infringing or unlawful material will be prohibited from posting further submissions.
Please contact us with any questions regarding this agreement. CentSai is a trademark of CentSai Inc.
I HAVE READ THIS AGREEMENT AND AGREE TO ALL OF THE PROVISIONS CONTAINED ABOVE.
Plain Language; Educational Purpose.
CentSai’s purpose is to promote financial literacy. Experts should assume site users have little or no financial background. Blogs and postings should be written in plain language appropriate for an audience with little or no financial knowledge. Complex financial terminology and jargon should be avoided. Terms other than very basic terms should be defined.
The site is intended to be educational in nature. Experts may not recommend or suggest specific products. Instead, elaborate on pros and cons of strategies so the user gets a clear picture of the answer.
No Advice or Solicitation.
Experts must not offer any advice or make any statements that could be construed as advice. Experts must make clear that any information posted on the site is educational and/or informational in nature, and that users of the site should consult a professional for individualized advice.
Soliciting is prohibited. Users may choose to contact Experts if they wish to do so. Under no circumstances is the Expert allowed to directly ask that a user contact them.
Any content provided by Experts (“Content”) is subject to editorial review prior to being posted. Content that does not conform to CentSai’s vision, is overly technical in nature, or in other ways does not meet CentSai’s intent for the site will not be posted. CentSai is under no obligation to post any Content. All posting of Content is at CentSai’s sole discretion.
Content becomes property of CentSai when posted. CentSai provides no compensation to Experts for any Content. CentSai may, at its discretion, chose to highlight Content on its page, and display or not display Content.
Notwithstanding the foregoing, Expert acknowledges and agrees that it is solely responsible for any Content it posts to the site. Expert assumes all risks related to such Content, including without limitation a third party's reliance on such Content, or any claims of infringement of a trademark, copyright, or other intellectual property right. As set forth in the Terms, CentSai shall not be liable for any Content provided by Expert, and Expert shall indemnify CentSai for any damages resulting from Content furnished by Expert.
Experts may repost elsewhere blogs submitted to CentSai not sooner than 48 hours after posted on CentSai, proved that they include the tag “Originally posted on centsai.com” with each and every reposting.
By posting Content that has previously been published elsewhere, or which Expert did not personally create, Expert represents and warrants that it has the rights and licenses to publish such Content, and shall provide proof of such upon request.
CentSai reserves the right to remove any Content at any time for any reason, or to edit any Content for clarity. Language inappropriate for a general audience is not permitted.
Answers to questions are provided by CentSai’s readers as well as Experts. Experts should never contradict the reader community or other experts. Experts should limit their answers specifically to the question being asked, never to other postings.
As consideration for CentSai granting Expert access to and use of the site, Expert agrees that CentSai may enable advertising on the site, including in connection with the display of any Content or related information. CentSai may also use Content to promote CentSai, including its products and content.
Look and Feel.
CentSai reserves all right in the look and feel of the site. CentSai reserves the right to format any Content to adapt it to the look and feel of the site.
Thanks for downloading the e-Book.
We are an affiliate for products that we recommend and receive compensation from the companies whose products we recommend on this site. The placement of the links on this site may be influenced by the compensation received by the respective companies. We are independently owned and the opinions expressed here are our own, and not those of any partner bank, credit card issuer, hotel, airline, or other partner. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
If you are interested in advertising on CentSai, send an email at Bizdev@centsai.com.
CentSai may be an affiliate for products that we recommend and may receive compensation from the companies whose products we recommend on this site. We are independently owned and the opinions expressed here are our own, and not those of any partner [bank, credit card issuer, hotel, airline], or other partner. This content has not been reviewed, approved, or otherwise endorsed by any of the entities included within the post.