Last Updated: August 19, 2025
1. Introduction and Agreement to Terms
Welcome to MoneyPantry.com (the “Site”), owned and operated by Money Pantry Media LLC (“we,” “us”). These Terms of Service govern your use of the Site. By accessing this Site in any manner, you agree to be bound by these Terms of Service, our Privacy Policy, and our Disclosure Policy.
The information and content provided on this Site are strictly for educational and informational purposes. We have used our best efforts in preparing these materials, but we make no representation or warranties with respect to their accuracy or completeness. If you wish to apply ideas contained on this Site, you are taking full responsibility for your actions.
2. Our Intellectual Property Rights (Our Limited License to You)
This Site and all materials available on it are the property of us and/or our affiliates or licensors, and are protected by copyright, trademark, and other intellectual property laws. The Site is provided solely for your personal, non-commercial use. You may not use the Site or its materials in a manner that constitutes an infringement of our rights or that has not been authorized by us.
Specifically, unless explicitly authorized, you may not modify, copy, republish, sell, create derivative works from, or distribute any material from the Site. You may, however, download or print one copy of individual pages for your personal, non-commercial use, provided you keep all copyright notices intact.
3. Your Content and Submissions (Your License to Us)
When you submit any material (such as comments, photos, or videos) to us via the Site, you represent that you are the owner of the material or are making the submission with the express consent of the owner. By submitting material, you grant us a worldwide, royalty-free, perpetual, and non-exclusive license to use, copy, modify, distribute, and display such material in any medium for any purpose.
You acknowledge that we have the right, but not the obligation, to use and display any submissions you make, and we may cease to use and display any such materials at any time for any reason.
4. Website Rules of Conduct
We have built a community at MoneyPantry, and we expect all users to be respectful. It is a condition of your use of the Site that you do not:
- Restrict or inhibit any other user from using the Site.
- Use the Site to impersonate any person or entity.
- Interfere with or disrupt the servers or networks used to provide the Site.
- Use the Site to instigate or encourage illegal activities.
- Gain unauthorized access to the Site or any account, computer system, or network connected to it.
- Use the Site to post or transmit any unlawful, threatening, abusive, defamatory, obscene, or pornographic information.
- Use the Site to post or transmit material that violates the rights of others, including copyright or trademark infringement.
- Use the Site for any commercial purposes, including advertising or soliciting to buy or sell products, without our express written approval.
Any user failing to comply with these terms may be refused continued access to the Site’s interactive features.
5. Third-Party Websites and Online Commerce
Certain sections of the Site may allow you to purchase products or services from third parties, often through affiliate links. We are not responsible for the quality, accuracy, or reliability of these products and services. Any transaction you conduct with a third party is solely between you and that third party.
We have no responsibility or liability for the independent privacy policies of these third-party merchants. You release us and our affiliates from any damages that you incur arising from your purchase or use of any products or services made available by third parties through the Site.
6. Disclaimers and Limitation of Liability
Under no circumstances, including, but not limited to, negligence, shall we or our affiliates be liable for any direct, indirect, incidental, special, or consequential damages that result from the use of, or the inability to use, this site and its materials.
This Site is continually under development and we make no warranty of any kind, implied or express, as to its accuracy, completeness, or appropriateness for any purpose. The advice of a competent legal, tax, accounting, or other professional should always be sought when needed.
If you are dissatisfied with the Site, any materials on the Site, or with any of the Site’s terms and conditions, your sole and exclusive remedy is to discontinue using the site.
7. Legal and Administrative Clauses
DMCA Notice (Digital Millennium Copyright Act)
If you believe in good faith that materials hosted by us infringe your copyright, you may send us a notice requesting that the material be removed. Notices and counter-notices must meet the then-current statutory requirements imposed by the DMCA. For details, please see copyright.gov. Our Copyright Agent for notice of claims can be reached at: satrap (at) moneypantry (.) com.
Governing Law and Arbitration
This agreement and the use of this Site are governed by the laws of the State of Missouri. If a dispute arises under this agreement, we agree to first try to resolve it with the help of a mutually agreed-upon mediator in St. Louis County, Missouri. If mediation proves impossible, we agree to submit the dispute to binding arbitration in St. Louis County, Missouri, under the rules of the American Arbitration Association.
8. Other
MoneyPantry.com is copyrighted by Money Pantry Media LLC and is protected under U.S. and international copyright laws, with all rights reserved. No part of this site may be copied, sold, or used in any way without express permission from Money Pantry Media LLC.
