Acceptance
By accessing 3AM Finance, you agree to these Terms of Use. If you do not agree, do not use the site.
Educational information only
3AM Finance provides general financial education and organizational tools. It does not provide individualized financial planning, investment, accounting, tax, legal, credit-repair, or mental-health advice. Using the site or contacting us does not create a professional, fiduciary, attorney-client, accountant-client, or therapist-client relationship.
Your decisions
Financial circumstances, contracts, laws, benefits, credit reporting, tax rules, and assistance programs vary. You are responsible for verifying information and deciding whether a strategy is appropriate for you. Seek a qualified professional when your decision requires individualized advice.
Calculators and worksheets
Calculators, examples, and worksheets are simplified planning aids. Results depend on the information entered and may not include taxes, fees, interest, contract terms, timing differences, or every relevant expense. Do not treat an estimate as a guarantee or official calculation.
Permitted use
You may use and print the site's free resources for your personal, noncommercial use. You may link to public pages. You may not sell, repackage, reproduce in bulk, remove branding from, or represent our content as your own without written permission.
Third-party links and affiliate relationships
The site may link to third-party resources, products, or services. A link does not guarantee availability, accuracy, suitability, or performance. Some links may be affiliate links, as explained in our Affiliate Disclosure.
No guarantees
The site is provided on an “as is” and “as available” basis. To the extent permitted by law, 3AM Finance disclaims warranties regarding accuracy, completeness, availability, fitness for a particular purpose, and results. We do not promise that using the site will improve credit, eliminate debt, increase income, or produce a particular financial result.
Limitation of liability
To the extent permitted by applicable law, 3AM Finance will not be liable for indirect, incidental, special, consequential, or punitive damages arising from use of, inability to use, or reliance on the site or third-party services. Nothing in these terms excludes liability that cannot legally be excluded.
Changes
We may modify the site and these terms. Continued use after updated terms are posted constitutes acceptance of the revised terms.
Contact
Questions may be sent to info@3amfinance.com.