Terms of Service
These Terms of Service (“Terms”) form a legally binding agreement between you and EvlarSoft LLC, a limited liability company organized under the laws of the State of Missouri, United States of America (“EvlarSoft LLC,” “we,” “us,” or “our”), which owns and operates the website digestyourfinances.com and the brand Digest Your Finances (together with all subdomains, content, tools, calculators, newsletters, and related services, the “Service”).
Please read these Terms carefully. By accessing or using the Service in any way — browsing an article, using a calculator, subscribing to the newsletter, creating an account, or otherwise interacting with the site — you acknowledge that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy, Cookie Policy, Disclaimer, and Affiliate Disclosure, each of which is incorporated into these Terms by reference. If you do not agree, do not use the Service.
These Terms contain a binding arbitration provision and a class-action waiver (Section 18) that affect how disputes are resolved, and important limitations of our liability (Sections 15–16). Please read them.
1. Who may use the Service
The Service is intended for users who are at least 18 years old (or the age of legal majority in your jurisdiction) and who can form a binding contract with us. The Service is not directed to children, and we do not knowingly permit anyone under 13 to use it or provide personal information (see our Privacy Policy). By using the Service, you represent and warrant that you meet these requirements and that your use complies with all laws that apply to you. The Service is operated from the United States; we make no representation that its content is appropriate or available for use outside the United States, and you are responsible for compliance with local laws.
2. Not financial, investment, tax, or legal advice
The Service is provided for general educational and informational purposes only. Nothing on the Service is, or is intended to be, personalized financial, investment, accounting, tax, or legal advice, an offer or solicitation to buy or sell any security or financial product, or a recommendation that any particular course of action is suitable for you. EvlarSoft LLC is not a registered investment adviser, broker-dealer, bank, lender, insurance provider, tax preparer, or law firm, and your use of the Service does not create any advisory, fiduciary, or professional-client relationship between you and us. Before acting on anything you read here, consult a qualified, licensed professional who understands your specific situation. Your reliance on any information on the Service is solely at your own risk. This Section is expanded in our Disclaimer, which forms part of these Terms.
3. Rates, market data, and calculators
Portions of the Service display financial data — interest rates, mortgage and Treasury rates, the federal funds rate, currency and metals prices, market and economic figures, and similar values — sourced from third-party data providers. Such data is provided “as is,” may be delayed, aggregated, rounded, estimated, or presented as a monthly or periodic average, and may differ from the figure you would obtain from a specific institution at a specific moment. Our calculators and tools produce estimates for illustration only, rely on simplified assumptions you may control, and do not account for every fee, tax, rule, or term that applies to your real circumstances. We do not guarantee the accuracy, completeness, timeliness, or availability of any rate, figure, or calculation, and you must independently verify any number that matters before relying on it.
4. Accounts and security
Some features may let you create an account or sign in. If you do, you agree to provide accurate and complete information and to keep it current. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You agree to notify us immediately at [email protected] of any unauthorized use or security breach. We may suspend or terminate an account at any time as described in Section 17. We are not liable for any loss arising from your failure to safeguard your credentials.
5. License to use the Service
Subject to your compliance with these Terms, we grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable, and revocable license to access and use the Service for your own personal, non-commercial use. This license does not include any right to resell, redistribute, or commercially exploit the Service or its content, or to use it other than as expressly permitted here.
6. Acceptable use
You agree that you will not, and will not attempt to, and will not permit any third party to:
- use the Service for any unlawful, fraudulent, or harmful purpose, or in violation of these Terms;
- copy, scrape, harvest, spider, data-mine, republish, sell, or systematically extract content or data from the Service except as expressly permitted;
- use automated means (bots, crawlers, scripts) to access the Service in a manner that burdens our infrastructure, or attempt to circumvent any access, security, rate-limiting, or bot-mitigation measure;
- probe, scan, or test the vulnerability of the Service, or breach or bypass any security or authentication;
- introduce any virus, malware, or malicious code, or interfere with or disrupt the integrity or performance of the Service;
- reverse engineer, decompile, or disassemble any part of the Service except to the extent that restriction is prohibited by law;
- frame, mirror, or misrepresent the Service, or remove or alter any proprietary notices;
- use the Service to infringe the rights of, defame, harass, or harm others, or to transmit unsolicited communications; or
- impersonate any person or entity or misrepresent your affiliation.
We may investigate and take any action we deem appropriate for a violation, including removing content, restricting access, and cooperating with law enforcement.
7. Intellectual property
The Service and all of its contents — including articles, text, graphics, logos, the Digest Your Finances name and marks, page layouts, calculators, code, and the selection, arrangement, and compilation of all content — are owned by EvlarSoft LLC or its licensors and are protected by United States and international copyright, trademark, and other intellectual-property laws. Except for the limited license in Section 5, no right, title, or interest in the Service is transferred to you, and all rights not expressly granted are reserved. You may not use our name, logo, or trademarks without our prior written permission.
8. Your submissions and feedback
If you send us content, suggestions, questions, or feedback (for example through our Contact form), you grant EvlarSoft LLC a perpetual, irrevocable, worldwide, royalty-free, and sublicensable license to use, reproduce, and act on that material for any purpose without obligation or compensation to you. You represent that you have the rights to what you submit and that it does not violate any law or third-party right. Please do not send us confidential information; we treat unsolicited submissions as non-confidential.
9. Newsletter and electronic communications
If you subscribe to our newsletter, you consent to receive periodic emails from us, and you can unsubscribe at any time using the link in any message. You also consent to receive notices and disclosures from us electronically, and you agree that electronic delivery satisfies any legal requirement that a communication be in writing.
10. Advertising, affiliate links, and third-party offers
The Service is supported by advertising and by affiliate links, meaning we may earn a commission when you click certain links or make a purchase — at no additional cost to you. This never changes the price you pay or dictates our editorial opinion. Any products, offers, rates, or terms advertised or linked are provided by third parties, and any transaction is solely between you and that third party. See our Affiliate Disclosure for details.
11. Third-party links, content, and services
The Service contains links to, and integrates data or services from, third-party websites and providers that we do not own or control. We provide these for convenience and do not endorse and are not responsible for their content, accuracy, products, policies, or practices. Your use of any third-party site or service is governed by that third party’s terms and policies and is at your own risk.
12. Privacy
Our collection and use of personal information in connection with the Service is described in our Privacy Policy and Cookie Policy. By using the Service, you consent to those practices.
13. Copyright complaints (DMCA)
We respect intellectual-property rights. If you believe content on the Service infringes your copyright, send a written notice to [email protected] that includes: (a) your physical or electronic signature; (b) identification of the copyrighted work claimed to be infringed; (c) identification of the material and its location on the Service; (d) your contact information; (e) a statement that you have a good-faith belief the use is not authorized; and (f) a statement, under penalty of perjury, that your notice is accurate and that you are the owner or authorized to act on the owner’s behalf. We may remove infringing material and terminate repeat infringers.
14. Changes to the Service
We are constantly evolving the Service. We may add, change, suspend, or discontinue any part of it — including any content, tool, or feature — at any time, with or without notice, and we are not liable to you or anyone for doing so. We do not guarantee that the Service will be available uninterrupted or error-free.
15. Disclaimer of warranties
The Service is provided on an “as is” and “as available” basis, with all faults and without warranties of any kind. To the fullest extent permitted by law, EvlarSoft LLC and its owners, members, officers, employees, contractors, and licensors (the “EvlarSoft LLC Parties”) disclaim all warranties, whether express, implied, statutory, or otherwise, including any implied warranties of merchantability, fitness for a particular purpose, title, accuracy, and non-infringement, and any warranties arising from course of dealing or usage of trade. Without limiting the foregoing, the EvlarSoft LLC Parties do not warrant that the Service, its content, or any rate, figure, or calculation will be accurate, complete, current, reliable, secure, uninterrupted, or free of errors or harmful components, or that any result obtained from the Service will meet your expectations. Some jurisdictions do not allow the exclusion of certain warranties, so some of these exclusions may not apply to you.
16. Limitation of liability
To the fullest extent permitted by law, in no event will the EvlarSoft LLC Parties be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, savings, or investment or financial loss, arising out of or relating to your use of (or inability to use) the Service or any content, rate, figure, calculation, or third-party offer, whether based on warranty, contract, tort (including negligence), statute, or any other legal theory, and whether or not we have been advised of the possibility of such damages.
In all cases, the total aggregate liability of the EvlarSoft LLC Parties for all claims relating to the Service will not exceed the greater of (a) the total amount you paid us, if any, to use the Service in the twelve months before the event giving rise to the claim, or (b) one hundred U.S. dollars (US $100.00). These limitations are an essential basis of the bargain between you and us and apply even if a limited remedy fails of its essential purpose. Some jurisdictions do not allow the limitation or exclusion of certain damages, so some of the above may not apply to you.
17. Indemnification
You agree to defend, indemnify, and hold harmless the EvlarSoft LLC Parties from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or relating to your use of the Service, your violation of these Terms, your violation of any law or third-party right, or any decision or action you take based on the Service. We reserve the right to assume the exclusive defense of any matter subject to indemnification, in which case you agree to cooperate with us.
18. Governing law and dispute resolution
These Terms and any dispute arising out of or relating to them or the Service are governed by the laws of the State of Missouri, United States of America, without regard to its conflict-of-laws rules.
Informal resolution first. Before filing a claim, you agree to try to resolve the dispute informally by contacting us at [email protected] and giving us 30 days to respond.
Binding arbitration. If we cannot resolve a dispute informally, you and EvlarSoft LLC agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be resolved by final and binding individual arbitration administered by a recognized arbitration provider under its rules, rather than in court, except that either party may bring an individual claim in small-claims court. The arbitration will take place in the State of Missouri, or by remote means, and judgment on the award may be entered in any court of competent jurisdiction.
Class-action waiver. You and EvlarSoft LLC agree that each may bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, or representative proceeding. The arbitrator may not consolidate more than one person’s claims.
Exceptions and venue. Nothing here prevents either party from seeking injunctive or equitable relief for infringement or misuse of intellectual property. To the extent any dispute is not subject to arbitration, you agree to the exclusive jurisdiction of the state and federal courts located in the State of Missouri, and you waive any objection to venue there. You agree that any claim must be brought within one (1) year after it arises, or it is permanently barred, to the extent permitted by law.
19. Changes to these Terms
We may revise these Terms from time to time. When we do, we will update the “last updated” date above, and material changes take effect when posted (or on a later date we specify). Your continued use of the Service after changes become effective constitutes your acceptance of the revised Terms. If you do not agree, stop using the Service.
20. General
These Terms, together with the policies incorporated by reference, are the entire agreement between you and EvlarSoft LLC regarding the Service and supersede any prior agreements. If any provision is held unenforceable, it will be limited or severed to the minimum extent necessary and the remaining provisions remain in full force. Our failure to enforce any provision is not a waiver. You may not assign these Terms without our consent; we may assign them freely, including in connection with a merger, acquisition, or sale of assets. We are not liable for any delay or failure to perform due to causes beyond our reasonable control. The disclaimers, limitations of liability, indemnification, intellectual-property, and dispute-resolution provisions survive termination of these Terms.
21. Contact
Questions about these Terms? Contact EvlarSoft LLC at [email protected] or through our Contact page.