Advertiser Disclosure:

WhiteBoardFinance.com has an advertising relationship with some of the offers included on this page. However, the rankings and listings of our reviews, tools and all other content are based on objective analysis. For more information, please check out our full disclaimer. WhiteBoardFinance.com strives to keep its information accurate and up to date. The information in our reviews could be different from what you find when visiting a financial institution, service provider or a specific product's website. All products are presented without warranty.

Editorial Disclosure:

This content is not provided or commissioned by the bank, credit card issuer, or other advertiser. Opinions expressed here are the author's alone, not those of the bank, credit card issuer, or other advertiser, and have not been reviewed, approved or otherwise endorsed by the advertiser. This site may be compensated through the bank, credit card issuer, or other advertiser Affiliate Program.

AFFILIATE DISCLOSURE:

Some of the links on this webpage are affiliate links, meaning, at no additional cost to you, we may earn a commission if you click through and make a purchase and/or subscribe. However, this does not impact our opinions and comparisons.

FULL DISCLAIMER

General Disclaimer

Zlatic Media has made every effort to ensure that all information on the Website has been tested for accuracy. Zlatic Media makes no guarantees regarding the results that you will see from using the information provided on the Website.

Zlatic Media disclaims liability for incidental or consequential damages and assumes no responsibility or liability for any loss or damage suffered by any person as a result of use of the information provided on the Website. Zlatic Media assumes or undertakes no liability for any loss or damage suffered as a result of the use of any information found on the Website.

Affiliate Marketing

From time to time, the Website may engage in affiliate marketing. This means that if you use an affiliate link to make a purchase, the Website will receive a commission on that purchase. All efforts are made to ensure that affiliate links are disclosed in accordance with the FTC.

Zlatic Media is 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 advertising and links to Amazon.com. As part of this Amazon Associates program, the Website will post customized links, provided by Amazon, to track the referrals to their website. This program utilizes cookies to track visits for the purposes of assigning commission on these sales.

Your Responsibility

The Website was developed strictly for informational purposes. You understand and agree that you are fully responsible for your use of the information provided on the Website. Zlatic Media makes no representations, warranties or guarantees. You understand that results may vary from person to person. Zlatic Media assumes no responsibility for errors or omissions that may appear in the Website.

Use Of The Website

Unless otherwise stated, Zlatic Media owns the intellectual property and rights to all content and material on the Website. Subject to the license below, all intellectual property rights are reserved.

You may view, download (for caching purposes only), and print pages for your personal use, subject to the restrictions set out below and elsewhere in these Terms of Use.

The following uses are not permitted:

Republication of content from the Website, unless content is specifically and expressly made available for republication;
Sale, rental or sub-license of any content from the Website;
Reproduction or duplication of any content on the Website for commercial purposes;
Modification of any content on the Website, unless content is specifically and expressly made available for modification;
Redistribution of content of the Website, unless content is specifically and expressly made available for redistribution. Users are permitted to share content on social media channels, as long as a link to the Website is included.

From time to time, the Website will utilize various plugins or widgets to allow sharing of content via social media channels, email or other methods. Use of these plugins or widgets does not constitute any waiver of Zlatic Media’s intellectual property rights. Such use is a limited license to republish the content on the approved social media channels, with full credit to Zlatic Media.

You must not use the Website in a way that causes, or may cause, damage to the Website or impairs the availability of access to the Website. You must not decompile, reverse engineer, disassemble or otherwise reduce the Website, except to the extent that such activity is expressly permitted by applicable law. You must not use the Website to copy, store, host, transmit, send, use, publish or distribute any material that consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit and/or other harmful code or malicious software.

You must not conduct any systematic or automated data collection activities, including, but not limited to scraping, data mining, data extraction or data harvesting on or in relation to the Website without Zlatic Media’s express written permission.

You must not use the Website to transmit or send any unsolicited commercial communications.

You must not use the Website for any third-party marketing without Zlatic Media’s express written permission.

Copyright

Unless otherwise noted, the design, content and all components of the Website are copyrights owned by Zlatic Media or third parties and are protected by United States and international copyright laws and should not be reused or republished without express written permission.

Trademarks

Zlatic Media’s trademarks and trade dress may not be used in connection with any product or service that is not Zlatic Media’s, in any manner likely to cause confusion among consumers, or in any manner that disparages or discredits Zlatic Media, Inc., https://lwhiteboardfinance.com/, or the experts featured on the Website.

From time to time, the Website will legally utilize trademarks owned by third parties related to Zlatic Media’s services. These trademarks are the respective property of their owners.

Grant Of Rights

You grant Zlatic Media a worldwide, irrevocable, non-exclusive, royalty-free license to use, reproduce, adapt, publish, translate and distribute any content you contribute to the Website. This includes, but is not limited to, text, images, audio material, comments, video material, and audio-visual material. This license extends to all known and future media. You also grant Zlatic Media the right to sub-license these rights and the right to bring an action for infringement of these rights.

Content Contributed To The Website

Any content you contribute to the Website, including, but not limited to text, images, audio material, comments, video material and audio-visual material, must not be illegal or unlawful, may not infringe on any third-party’s legal rights, and must not be capable of giving rise to legal action whether against you or Zlatic Media or a third party.

Zlatic Media reserves the right to edit or remove: (i) any material submitted to the Website; (ii) stored on Zlatic Media’s servers; or, (iii) hosted or published on the Website. Zlatic Media takes no responsibility and assumes no liability for any content posted by you or any third party.

Notwithstanding Zlatic Media’s rights under the Terms of Use, Zlatic Media does not undertake to monitor the submission of all content to, or the publication of such content on, the Website.

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 marko@whiteboardfinance.com copyright infringement and falls outside of fair use, please send a request to and we will remove the image within 24 to 48 hours.

Communication

If you send Zlatic Media an email, register to use the Website or provide your email to Zlatic Media in any other way, you consent to receive communications from Zlatic Media electronically. You agree that all legal notices provided via electronic means from Zlatic Media satisfy any requirement for written notice.

Third Parties

The Website may contain links to third-party websites that are not governed or controlled by Zlatic Media. You represent and warrant that you have read and agree to be bound by all applicable Terms of Use and policies for any third-party website that relates to your use of the Website. Zlatic Media assumes no control or liability over the content of any third-party sites. You expressly hold harmless Zlatic Media from any and all liability related to your use of a third-party website.

Prior to engaging in any events or commercial transactions with any third parties discovered through or linked on the Website, you must complete any necessary investigation or due diligence. If there is a dispute for any events or commercial transactions with a third party discovered through or linked on the Website, you expressly hold Zlatic Media harmless from any and all liability in any dispute.

No Warranties

The Website is provided on an “as is” and “as available” basis without any representations or warranties, expressed or implied. Zlatic Media makes no representations or warranties in relation to the Website, or the information and materials provided therein.

Zlatic Media makes no warranty the Website will meet your requirements; will be available uninterrupted; timely and free of viruses or bugs; or represents the full functionality, accuracy, and reliability of the Website. Zlatic Media is not responsible to you for the loss of any content or material uploaded or transmitted through the Website. The Website is written in English and makes no warranty regarding translation or interpretation of content in any language.

Limitation Of Liability

TO THE EXTENT ALLOWABLE BY LAW, ZLATIC MEDIA, LLC WILL NOT BE LIABLE FOR ANY CONSEQUENTIAL, INCIDENTAL, INDIRECT, EXEMPLARY, PUNITIVE OR SPECIAL DAMAGES OF ANY KIND, HOWEVER CAUSED, INCLUDING LOSS OF PROFITS, REVENUE, DATA OR USE, INCURRED BY YOU, WHETHER UNDER THEORY OF CONTRACT, TORT (INCLUDING NEGLIGENCE), WARRANTY OR OTHERWISE, EVEN IF THE OTHER PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Indemnity

You agree to defend, indemnify and hold Zlatic Media, its members, employees, officers, directors, managers and agents harmless from and against any and all losses, claims, suits, actions, liabilities, obligations, costs and expenses (including reasonable attorneys’ fees and expenses) which Zlatic Media suffers as a result of third-party claims based on: (i) your negligence or intentional misconduct, (ii) your breach of any provision of the Terms of Use (including representation or warranty); (iii) materials prepared or provided by you including, but not limited to, any claims of infringement, or misappropriation of copyright, trademark, patent, trade secret, or other intellectual property or proprietary right, infringement of the rights of privacy or publicity, or defamation or libel; or (iv) death, personal injury, or property damage arising out of, or relating to, your obligations hereunder.

Miscellaneous Provisions

If any provision(s) of the Terms of Use is held to be invalid, illegal or unenforceable, the remaining provisions shall be severable and enforceable. If a provision is excessively broad, such a provision shall be limited or reduced in scope so as to be enforceable.

The Terms of Use may not be assigned by you without Zlatic Media’s prior written consent, however, the Terms of Use may be assigned by Zlatic Media in its sole discretion.

The Terms of Use are the final, complete and exclusive agreement of the parties with respect to the Website offered by Zlatic Media.

All notices with respect to the Terms of Use must be in writing and may be via email to

marko@whiteboardfinance.com for Zlatic Media and to your email address.

PRIVACY POLICY

The privacy of our visitors to WhiteBoardFinance.com is important to us. At WhiteBoardFinance.com, we recognize that privacy of your personal information is important. Here is information on what types of personal information we receive and collect when you use visit WhiteBoardFinance.com, and how we safeguard your information. We never sell your personal information to third parties.
Log Files

As with most other websites, we collect and use the data contained in log files. The information in the log files include your IP (internet protocol) address, your ISP (internet service provider, such as AOL or Shaw Cable), the browser you used to visit our site (such as Internet Explorer or Firefox), the time you visited our site and which pages you visited throughout our site.

Cookies and Web Beacons

We do use cookies to store information, such as your personal preferences when you visit our site. This could include only showing you a popup once in your visit, or the ability to login to some of our features, such as forums.

Google’s use of the DART cookie

Users may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy.
We also use third party advertisements on WhiteBoardFinance.com to support our site. Some of these advertisers may use technology such as cookies, DART cookies and web beacons when they advertise on our site, which will also send these advertisers (such as Google through the Google AdSense program) information including your IP address, your ISP , the browser you used to visit our site, and in some cases, whether you have Flash installed. Use of cookies is generally used for geotargeting purposes (showing New York real estate ads to someone in New York, for example) or showing certain ads based on specific sites visited (such as showing cooking ads to someone who frequents cooking sites). The use of DART cookies enables advertisers such as Google Adsense to serve ads based on your visit and your visits to other sites on the Internet. Users may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy.
You can chose to disable or selectively turn off our cookies or third-party cookies in your browser settings, or by managing preferences in programs such as Norton Internet Security. However, this can affect how you are able to interact with our site as well as other websites. This could include the inability to login to services or programs, such as logging into forums or accounts.

TERMS AND CONDITIONS OF WhiteBoardFinance.com:

WhiteBoardFinance.com provides the materials contained on this web site to our customers and visitors. WhiteBoardFinance.com requires that all visitors to the Site adhere to the following Terms and Conditions. By accessing the Site and any of its pages, you indicate your acknowledgement and acceptance of the Terms and Conditions set forth below without limitation or qualification. WhiteBoardFinance.com may revise these Terms and Conditions at any time by updating this posting, which revisions will be binding upon all visitors to the Site. You should therefore visit this posting to review these Terms and Conditions from time to time as you visit the Site. For purposes of these Terms and Conditions references to WhiteBoardFinance.com include its operators.

Ownership of materials

Except as otherwise indicated, this Web site and its entire contents including, but not limited to, the text, information, material, software and graphics contained on this Website, are owned by WhiteBoardFinance.com and its affiliates. The Materials are protected by copyright, trademark and other intellectual property laws and treaties. WhiteBoardFinance.com makes no proprietary claim to any third-party names, trademarks or service marks appearing on this Web site. Any third-party names, trademarks, and service marks are the properties of their respective owners. The Materials may not be copied, reproduced, modified, published, uploaded, downloaded, posted, transmitted, or distributed in any way without WhiteBoardFinance.com’s prior written permission.

Disclaimer and Limitation on Liability

BY USING THIS WEB SITE, YOU ASSUME ALL RESPONSIBILITY AND RISK FOR THE USE OF THIS WEB SITE AND THE INTERNET GENERALLY. THE INFORMATION IS PROVIDED AS IS, WITHOUT ANY EXPRESS OR IMPLIED WARRANTY OF ANY KIND. IN NO EVENT SHALL WhiteBoardFinance.com BE LIABLE FOR ANY DAMAGES WHATSOEVER (INCLUDING WITHOUT LIMITATION ANY SPECIAL, INDIRECT, OR CONSEQUENTIAL DAMAGES, AND DAMAGES RESULTING FROM LOSS OF USE, DATA, OR PROFITS, OR BUSINESS INTERRUPTION) ARISING OUT OF THE USE OF OR INABILITY TO USE THE MATERIALS OR ANY HYPERLINKED Web SITE, EVEN IF WhiteBoardFinance.com OR ITS AFFILIATES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

WhiteBoardFinance.com will not be responsible for any errors or omissions in the Materials or information provided on this Web site, nor for any loss or damage caused by your reliance on information obtained on this Web site or in a hyperlinked site.
This Web site provides information on credit cards. While WhiteBoardFinance.com believes such information and advice to be reliable, we make no claims or representations about the accuracy, reliability, usefulness or completeness of such information or advice. WhiteBoardFinance.com recommends that you get different opinions and seek the advice of your accountant and other financial advisers who are fully aware of your individual circumstances before making any final decisions or implementing any financial strategy. You should not rely on any information or advice you obtain on this Web site. Any reliance by you on any information or advice will be at your own risk.

Governing law and jurisdiction

These terms and conditions of use shall be governed by and construed in accordance with the laws of the United States of America and the state of Connecticut, without giving effect to any choice of law or conflict of law provision or rule (whether of the state of Connecticut or any other jurisdiction) that would cause the application of the laws of any jurisdiction other than the United States or the state of Connecticut. By using this Web site, you consent to the jurisdiction of the state and federal courts of New Haven County, CT, U.S.A. for any action or proceeding arising under or relating to these Terms of Use, this Web site or the use of, or reliance on, this Web site.

DISCLOSURE POLICY

WhiteBoardFinance.com receives compensation from companies featured on this website. This compensation varies from company to company and could impact the way credit cards are ranked and presented to visitors. This website does contain content which might be viewed as a conflict of interest. This content may not be identified in any way. We strive to provide the most important information to our visitors and aim to provide recommendations based on what we believe to be the best deals for consumers, regardless of compensation.

Privacy Policy

WhiteBoardFinance.com is committed to protecting your privacy when you visit our Web site. You can access WhiteBoardFinance.com and browse our site without disclosing any of your personal data. WhiteBoardFinance.com does not collect personal information about individuals, such as names and mailing or e-mail addresses, unless it is knowingly provided by the individual and he or she has agreed to the terms under which WhiteBoardFinance.com will use it.
Disclosure of Information

WhiteBoardFinance.com will not sell, trade, or rent your personal information to others. We do not automatically log personal data nor do we link information automatically logged by other means with personal data about specific individuals. We may use IP addresses to compile and provide aggregate statistics about our visitors, traffic patterns, and administer the site. This statistical information may also be related to third parties, but these statistics will not include any personally identifying information, track user’s movement, and gather broad demographic information for aggregate use. IP addresses are not linked to personally identifiable information. We collect only the personal data that you may volunteer while using our services. We do not collect information about our visitors from other sources, such as public records or bodies, or private organizations.
If you do not want to have your information used in this way, send an e-mail message containing your name and email address to info@WhiteBoardFinance.com. WhiteBoardFinance.com may release account information when such release is reasonably necessary to comply with the law; enforce the terms of any of our user agreements; or protect the rights, property, and safety of WhiteBoardFinance.com, the users of its site, or others.

Our Commitment to Children’s Privacy

Protecting the privacy of the very young is important to us. For that reason, we do not collect or maintain information at our sites from those we actually know are under 18, and no part of our site is structured to attract anyone under 18.
External Web Sites

Please note that WhiteBoardFinance.com contains links to other web sites. Please be aware that we are not responsible for the privacy practices of these other sites. We encourage our users to be aware that when they leave our site that you read the privacy statements of each web site that might collect personally identifying information.

This privacy statement applies solely to information collected by WhiteBoardFinance.com. If you have any questions or concerns about our privacy policy, please contact: marko@whiteboardfinance.com


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© Copyright 2020 Zlatic Media, LLC. All Rights Reserved. WhiteBoard Finance is a financial publisher that does not offer any personal financial advice or advocate the purchase or sale of any security or investment for any specific individual. Members should be aware that investment markets have inherent risks, and past performance does not assure future results. WhiteBoard Finance has advertising relationships with some of the offers listed on this website. WhiteBoard Finance does attempt to take a reasonable and good faith approach to maintaining objectivity towards providing referrals that are in the best interest of readers. WhiteBoard Finance strives to keep its information accurate and up to date. The information on WhiteBoardFinance.com could be different from what you find when visiting a third-party website. All products are presented without warranty. For more information, please read our full disclaimer.
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