Disclaimer & Terms Of Service

By browsing, clicking, or otherwise using our website, you consent to the following Disclaimer and agree to its terms.

This Disclaimer, together with our Privacy Policy, provide the terms and conditions that apply to your access and use of all materials found on this website, https://www.managingmymoney.com (referred to as the “website” in the remainder of this disclaimer).

The entirety of the ManagingMyMoney.com brand and website is owned and operated by Cromoly Labs, LLC (referred to as “Cromoly Labs” in the remainder of this disclaimer), a Texas-registered limited liability corporation. All terms set forth in this Disclaimer apply to Cromoly Labs and its officers, directors, employees, consultants, affiliates, subsidiaries and agents.

Copyright Policy

Cromoly Labs is the legal copyright holder of all materials found on ManagingMyMoney.com. Materials cannot be reprinted, republished, or reproduced in any form without the express written consent of Cromoly Labs.

Reservation of Rights

Cromoly Labs reserves the right to change the content, focus, and management processes of ManagingMyMoney.com at any time.

Limitation of Liability

ManagingMyMoney.com exists for educational and informational purposes only, and the materials contained on this website are intended for a broad and general audience. The educational information displayed on ManagingMyMoney.com does not aim to be, nor should it be interpreted as specific financial advice tailored to any specific individual. ManagingMyMoney.com is not a registered investment adviser, does not provide personalized financial advice, and is not a broker-dealer.

No person or entities within Cromoly Labs or the ManagingMyMoney.com brand are licensed financial advisers. None of the information displayed on this website should be interpreted as investment, legal, tax, accounting, financial, consulting or any other professional advice.  Before you make any decisions or pursue any opportunity discussed on ManagingMyMoney.com you are encouraged to consult an attorney, accountant, financial advisor, or another professional advisor that is familiar with your specific situation.

We make every effort to ensure that the explanatory information presented on this website is impartial, balanced, and honest. However, it is important that you do your own research to verify the information provided. Please use your personal judgment at all times. You should not use the opinions expressed on this website exclusively as a basis to sign or commit to any legal obligation, of any kind. Always conduct your own thorough analysis and consider discussing your situation with a professional before making any important lifestyle or financial decision.

Under no circumstances will Cromoly Labs be liable for any loss or damage caused by your dependence on the information contained on this website. It is your responsibility to determine the accuracy, completeness, and usefulness of any information, opinion or other content displayed on ManagingMyMoney.com.

Use at Your Own Risk

Please be advised that you are using the content provided on ManagingMyMoney.com at your own risk. Cromoly Labs disclaims all warranties, express or implied, and does not promise or guarantee any particular result from your use of the information contained on this website.

Cromoly Labs does not make any warranties about the suitability, validity, completeness, reliability, and accuracy of information on this website. Any action you take using the information on this website is strictly at your own risk, and we will not be liable for any losses or damages in connection with the use of our website.

Opt-Out Procedure

We may use your information to notify you of important changes to the website, services, and special offers. If you do not want to receive these notifications, you can opt-out of receiving future communications by sending an email message to support@ManagingMyMoney.com. Opting out may prevent you from receiving email messages regarding updates, improvements, or special offers.

External Links

This website contains links to external websites that are not owned, operated or maintained by Cromoly Labs or ManagingMyMoney.com. While we strive to provide quality links to useful and ethical external websites, we have no control over the content displayed on these external websites. Links to other websites do not imply a recommendation for all the content found on these external websites.

External websites may change without notice and the views expressed may not be in alignment with the opinions and views of ManagingMyMoney.com. Cromoly Labs does not guarantee the accuracy, relevance, timeliness, or completeness of any information found on any external website.

Please be aware that when you leave our website, external websites may have different Privacy Policies, Disclaimers, and Terms of Use which are beyond our control. Please be sure to verify this information before engaging in any business or divulging any information.

Errors and Omissions

Do not accept any formal or informal commentary on ManagingMyMoney.com as definitive or professionally accurate. We do our best to provide accurate information, however, mistakes are possible. All references to third party products, rates, or websites are subject to change without notice.

The information posted on this website is provided on an “as is” basis and Cromoly Labs will not be liable for any errors or omissions in this information or any damages arising from its display or use. Cromoly Labs does not warrant that any information or material downloaded from this website will be uninterrupted, error-free, omission-free or otherwise perfect.

Cromoly Labs will not be liable for any incidental, direct, indirect, punitive, actual, consequential, special, exemplary, or other damages, including, but not limited to, loss of revenue or income, pain and suffering, emotional distress, or similar damages resulting from any errors or omissions within the content displayed on ManagingMyMoney.com.

Investment Performance

Materials in this website may contain information that incorporates or is founded on forward-looking statements within the meaning of the securities litigation reform act of 1995.

Any and all forward-looking statements on ManagingMyMoney.com are intended as expressed opinion. These statements may contain words like “intend,” “estimate,” “believe,” “anticipate,” “project,” “expect,” “plan,” and other words, phrases, and terms of comparable meaning in conjunction with a description of potential earnings or financial performance. These statements are considered accurate when they were written, but may not be at the present time or in the future. Cromoly Labs disregards any duty to update these statements. Please take into consideration the date of publication in the evaluation of any statement found on ManagingMyMoney.com.

Additionally, past investment performance doesn’t guarantee future results. Therefore, you should not assume that the future performance of any specific investment or investment strategy will be profitable or equal to corresponding past performance levels. Each investment decision you make should be determined with reference to the specific information available for such investment, and not based upon the success of past recommendations.

None of the information provided on ManagingMyMoney.com is intended as an offer or solicitation of an offer to buy or sell, or as an endorsement, recommendation or sponsorship of any company, security, or fund. The information on the website should not be relied upon for purposes of transacting securities or other investments.


Cromoly Labs receives compensation from our partners through endorsements and advertisements for products and services found on this website. We sometimes receive compensation from our partners when users click on a link, sign up, or apply and get approved for a financial product through our site. This comes at no additional cost to the user.

While compensation may influence the products we review and write about, whether products appear on our site and where they’re placed, it doesn’t affect the analysis and opinions of our reviews. The results of our reviews are exclusively based on qualitative and quantitative evaluations of product features. While we try to feature many product offers, we recognize that our site does not feature every company or financial product available on the market.

Cromoly Labs is also a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by linking to Amazon.com.

All content on this website is written with the intention of providing accurate and timely information. All content is based on sources we believe to be reliable. However, the website may include inadvertent technical or factual inaccuracies, and information may become outdated over time. We recognize that our website does not provide a complete listing of every company or financial product available.

Cromoly Labs is not responsible for the actions of advertisers, sponsors, and affiliates. If you buy a product or service from a company based upon a link from ManagingMyMoney.com, take action to resolve your issue with the external company.


Comments are located at the end of some articles found on ManagingMyMoney.com. The comments are open to add value to the articles and to allow readers to ask questions.  Any third party comments made on this website are not owned or affiliated in any way with Cromoly Labs, nor do we always agree with commentator statements. Third party visitor comments do not reflect the views of Cromoly Labs.

Cromoly Labs does not assume any responsibility or liability for any user content, questions, or comments or for any claims, damages, or losses resulting from any use of or information found on this website.

Vendors are permitted to make comments in response to reader comments on ManagingMyMoney.com. Employees and consultants of a reviewed vendor are required to disclose this statement in their comments or handle. Vendors who do not disclose this information will have their comments removed and will be disallowed from posting comments in the future.

If a comment does not discuss the topic at hand, it may be removed. Duplicated comments from other websites will be deleted. Spam comments are not permitted. Commentators who do not leave a valid e-mail address will not be approved to comment.

Please be advised that commentators might have an agenda. It is the sole discretion of Cromoly Labs to determine if a posted comment should be removed.


Any information we obtain from you when you leave a comment on our site is strictly confidential. This includes e-mail addresses, IP address, and your name. This information will not be exposed unless we receive a valid subpoena from a legitimate law enforcement agency or court of law.

Contact Us

If you need more information or have questions about our website’s disclaimer, please contact us by email at support@ManagingMyMoney.com.