The following Disclaimer should be read carefully. This Website Disclaimer is subject to change without notice at any time. If you use the Website and its Content, you agree to the Website Disclaimer, regardless of whether you’ve read it. Please do not use our Website or its Content if you disagree with this Website Disclaimer.

This website and its content are owned by The Money Skim.


Our Website, Programs, Products, and Services provide information for educational and informational purposes only and are designed to be self-help tools that you can use to help yourself.


We do not intend that any information provided on our Website, in our Programs, or in our Services will replace the advice you may receive from your own attorney, accountant, and/or financial advisor. In spite of the fact that we hold the Accredited Financial Counselor designation (AFC®) and that it is in good standing, it should not be construed as a replacement for financial advice from a professional financial advisor. Neither we nor any of our affiliates are liable for any errors or omissions. We cannot be held responsible for any loss or damage resulting from the use of our website. It is imperative to understand that each state’s law is different, and it is subject to constant change, so it affects each individual and business differently. Thus, it is recommended that you seek independent financial and/or legal advice as needed regarding your specific circumstances. If you have questions or concerns regarding your own income and taxes, or if you may have any future inquiries regarding your own income and taxes, or if any of the information contained on our Website, Programs, or Services relates to your particular financial and/or legal circumstances, please consult your tax consultant, accountant or lawyer.


We strive to provide you with accurate information on our Website, Programs, Products, and Services. As a user of our website, programs, products, and services, you acknowledge that you are participating voluntarily, and that you alone are solely and personally responsible for your results. We ask that you use your own due diligence and judgment before applying any recommendations or advice you may receive on or through our Website, Programs, Products, and Services. In accepting your responsibility for your health, well-being, and all decisions made in the future, you acknowledge that you are fully responsible for all decisions made now and in the future.


We are here to educate, support, and assist you in reaching your own goals, but your success is ultimately dependent on your own determination, hard work, and dedication. As a result, we cannot make any predictions regarding your success, and you acknowledge and understand that results will vary from person to person. The information you receive on or through this Website cannot provide any guarantees as to the specific outcome or results you will achieve.


References or links in our Website to the information, opinions, advice, programs, products, or services of any other individual, business, or entity do not constitute my formal endorsement. Please note that this information is provided solely for the purpose of self-help. Please note that we are not responsible for any of the content appearing on other websites, blogs, e-mails, videos, social media, programs, products, or services of other people, businesses, or entities. In contrast, if our Website link appears on any other website, program, product, or service of an individual, business, or entity, it does not constitute our endorsement of them, their business, or their website.


As part of our coverage of credit cards, The Money Skim has partnered with CardRatings. The Money Skim and CardRatings may receive a commission from card issuers.”

It is the author’s sole opinion, review, analysis, and recommendation, and has not been reviewed, endorsed, or approved by any of these entities.

In order to provide content and/or services to you, The Money Skim may work with a variety of companies. We may receive compensation for this service from these companies. The Money Skim only works with companies that share our values. The opinions expressed on this website are our own. We earn commissions from qualifying purchases as an Amazon Associate.


By using our Website, you agree to all the terms and conditions stated in this Disclaimer. To contact us with any questions regarding this Disclaimer, please send an email to contact@themoneyskim.com.