Allmyfriendsaredebt.com is an opinion based website written and edited entirely by me, sole owner of Allmyfirnedsaredebt.com. I am not a professional financial adviser, certified personal financial planner, registered investment advisor, CPA, retirement planner, or anything of that sort. I am just a millennial sharing his own opinions. The information provided by me, either on this website or through other methods of communication, does not constitute direction or advice. Allmyfriendsaredebt.com makes no representations as to the accuracy, suitability, timeliness, completeness, or validity of any information on this site and will not be liable for any errors, omissions, or any losses, injuries, or damages arising from its display or use. Any mention to any specific securities on this site are my own, unprofessional opinions. Always do your own research and consider consulting a professional before any investment decision.
Note: This page is required by the regulators. Tim Ferris is awesome and I took up his offer to borrow the text and images from his disclosure page, instead of coming up with my own.
This blog was created to share my experience as a millennial learning about the world of personal finance.
FTC Disclosure:
Per the FTC rules, if I interview someone and they grab the bill for lunch, I would need to disclose this. Ditto if I use an Amazon link that gets me 8 cents instead of an Amazon link that gets me 0 cents. If someone gives me a comfy t-shirt with a logo and I wear it in a photo, same deal. Disclaimers all over the place. This would be tedious for me and even more tedious for readers. But rules is rules. To cover my butt and preserve your reading experience, please assume that, for every link and product I use, the following all hold true:
Terms of Use:
The following terms (“Terms of Use”) constitute an agreement between Allmyfriendsaredebt.com (“A.M.F.A.D”), and you that governs your use of this website and all of its associated services, content, and functionality. This policy applies to the website administered by Allmyfriendsaredebt.com (“Website”), located at http://allmyfriendsaredebt.com
Your use of the Website constitutes your acceptance of, and agreement to, the following Terms of Use. A.M.F.A.D reserves the right to modify, alter, amend or update its Website, policies and these Terms of Use. These Terms of Use are subject to change without notice. If you do not agree with or do not accept any part of these Terms of Use, you must not use the Website.
Privacy Policy:
What information do we collect, and how is it used?
- Information You Voluntarily Submit to the Website: The Website may collect personal information from you such as your name or email address. For example, you may voluntarily submit information to the Website by leaving a comment, subscribing to a newsletter, or submitting a contact form.
- Information We Collect from Others: The Website may receive information about you from other sources. For example, if you use a third-party software through the site, they may transfer information to us for fulfillment.
- Automatically-Collected Information: The Website automatically collects certain information about you and the device with which you access the Website. For example, when you use the Website, The Website will log your IP address, operating system type, browser type, referring website, pages you viewed, and the dates/times when you accessed the Website. The Website may also collect information about actions you take when using the Website, such as links clicked.
- Cookies: The Website may log information using cookies, which are small data files stored on your browser by the Website. The Website may use both session cookies, which expire when you close your browser, and persistent cookies, which stay on your browser until deleted, to provide you with a more personalized experience on the Website.
How your information may be used:
The Website may use the information collected in the following ways:
- To operate and maintain the Website;
- To send you promotional information, such as newsletters. Each email promotion will provide information on how to opt-out of future mailings;
- To send you administrative communications, such as administrative emails, confirmation emails, technical notices, updates on policies, or security alerts;
- To respond to your comments or inquiries;
- To provide you with user support;
- To track and measure advertising on the Website; or,
- To protect, investigate, and deter against unauthorized or illegal activity.
Third Party Use of Personal Information:
This Website may share your information with third parties when you explicitly authorize us to share your information. Additionally, the Website may use third-party service providers to service various aspects of the Website. Each third-party service provider’s use of your personal information is dictated by their respective privacy policies. The Website currently uses the following third-party service providers:
- Google Analytics – this service tracks Website usage and provides information such as referring websites and user actions on the Website. Google Analytics may capture your IP address, but no other personal information is captured by Google Analytics.
At this time, to the knowledge of A.M.F.A.D, your personal information is not shared with any other third-party applications.
Except when required by law, A.M.F.A.D will not sell, distribute, or reveal your email addresses or other personal information without your consent; however, A.M.F.A.D may disclose or transfer personal information collected through the Website to third parties who acquire all or a portion of our business, which may be the result of a merger, consolidation, or purchase of all or a portion of our assets, or in connection with any bankruptcy or reorganization proceeding brought by or against us.
Anonymous Data
From time to time, A.M.F.A.D may use anonymous data, which does not identify you alone, or when combined with data from other parties. This type of anonymous data may be provided to other parties for marketing, advertising, or other uses. Examples of this anonymous data may include analytics or information collected from cookies.
Display Ads
The Website may use third-party advertising companies to serve content and advertisements when you visit the Website, which may use cookies. No personally identifiable information is shared with the Website’s ad providers.
Retargeting Ads
From time to time, the Website may engage in remarketing efforts with third-party companies, such as Google, Facebook, or Instagram, in order to market the Website. These companies use cookies to serve ads based on someone’s past visits to the Website.
Rights Related to Your Personal Information
- Opt-out – You may opt-out of future email communications by following the unsubscribe links in our emails.
- Access – You may access the personal information we have about you by submitting a request through the contact page.
- Amend – You may contact us to amend or update your personal information.
- Forget – In certain situations, you may request that we erase or forget your personal data. To do so, please submit a request.
Please note that we may need to retain certain information for record keeping purposes or to complete transactions, or when required by law.
Sensitive Personal Information
At no time should you submit sensitive personal information to the Website. This includes your social security number, information regarding race or ethnic origin, political opinions, religious beliefs, health information, criminal background, or trade union memberships. If you elect to submit such information to us, it will be subject to this Privacy Policy.
Children’s Information
The Website does not knowingly collect any personally identifiable information from children under the age of 16. If a parent or guardian believes that the Website has personally identifiable information of a child under the age of 16 in its database, please contact me immediately and we will use our best efforts to promptly remove such information from our records.
Contact Information:
At any time, please contact me for information related to the privacy policy.
Takedown Requests:
From time to time, the Website will publish posts with images from other third-party websites. Any such use is intended considered fair use under copyright laws and is fully attributed to the owner. If you believe that your copyrighted work has been used on the Website in a way that constitutes copyright infringement and falls outside of fair use, please send a request through the contact page, and we will remove the image within 24 to 48 hours.
Updated May 2019