Terms of Service
Effective Date: August 8, 2026
Last Updated: August 8, 2026
This page is a working template, not legal advice; consider having a licensed attorney review it to confirm it fits your situation.
Welcome to ClearCents. These Terms of Service ("Terms") govern your access to and use of https://clearcents.site (the "Site"), an individually owned and operated website published by Marc Isach Moriscot ("ClearCents," "we," "us," or "our"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use the Site.
1. Who We Are and What This Site Is
ClearCents publishes educational content about personal finance and insurance topics, including budgeting, debt management, credit, banking, insurance, side income, retirement basics, and related life-event money guidance. Our content is intended for general educational purposes for a United States audience.
ClearCents is not a bank, lender, insurance company, broker-dealer, registered investment advisor, law firm, or tax preparation service. Nothing on this Site should be interpreted as an offer to buy, sell, or trade any financial product, insurance policy, or security.
2. Not Financial, Legal, Tax, or Insurance Advice
The content on ClearCents is provided for general informational and educational purposes only. It does not constitute personalized financial, legal, tax, accounting, or insurance advice, and it should not be relied upon as a substitute for consultation with a qualified, licensed professional who understands your specific circumstances. See our full Disclaimer for more detail.
Every individual's financial and insurance situation is different. Before making any significant financial decision — including but not limited to taking on debt, purchasing an insurance policy, opening a financial account, or making a retirement or investment decision — you should consult a licensed financial advisor, insurance agent, attorney, or tax professional as appropriate.
ClearCents makes reasonable efforts to keep its content accurate and current, as described in our Editorial Process. However, financial rules, tax thresholds, interest rates, program eligibility, and insurance regulations change frequently and can vary by state. We do not guarantee that any article reflects the most current information at the time you read it, and we encourage you to verify time-sensitive details directly with the relevant official source (such as IRS.gov, SSA.gov, or your state's Department of Insurance) before acting on it.
3. Acceptable Use of the Site
You agree to use ClearCents only for lawful purposes and in accordance with these Terms. When using the Site, you agree that you will not:
- Use the Site in any way that violates applicable federal, state, or local law
- Attempt to gain unauthorized access to any part of the Site, its servers, or any connected systems
- Introduce viruses, malware, or other harmful code to the Site
- Scrape, copy, or republish substantial portions of our content without written permission
- Use automated systems (bots, crawlers, or scrapers) to access the Site in a manner that sends more requests than a human could reasonably generate, except for standard search engine indexing
- Impersonate ClearCents, any ClearCents contributor, or any other person or entity
- Interfere with or disrupt the security, integrity, or performance of the Site
We reserve the right to restrict or terminate your access to the Site, without notice, if we believe you have violated these Terms.
4. Intellectual Property Rights
Unless otherwise noted, all content on ClearCents — including articles, graphics, logos, page layouts, and original tools or calculators — is the property of ClearCents and is protected by U.S. copyright and trademark law.
You may:
- View, read, and share individual pages of the Site for personal, non-commercial use
- Link to ClearCents articles from your own website or social media, provided you do not misrepresent the source or content
- Quote a brief excerpt of an article, with proper attribution and a link back to the original page, consistent with standard fair use
You may not:
- Reproduce, republish, or redistribute substantial portions of ClearCents content on another website, publication, or platform without our prior written consent
- Use ClearCents content to train artificial intelligence or machine learning models without our prior written consent
- Use the ClearCents name, logo, or branding in a way that suggests endorsement or affiliation without our permission
If you believe content on this Site infringes your copyright, see our DMCA & Copyright Policy for how to submit a notice. To request permission for a use not covered above, contact us at clearcentscontact@gmail.com.
5. Third-Party Links and Advertising
ClearCents may contain links to third-party websites, products, or services, including financial institutions, insurance companies, and software providers. These links are provided for your convenience and information. We do not control, and are not responsible for, the content, accuracy, products, services, or privacy practices of any third-party site.
ClearCents displays advertising, including through Google AdSense, and may include affiliate links that generate a commission if you click through and complete a qualifying action. See our Advertiser Disclosure for full details on how this affects your experience and how it does not affect our editorial independence.
Your interactions with any advertiser or third-party service linked from ClearCents are solely between you and that third party. We encourage you to review the terms, privacy policy, and disclosures of any third-party product or service before engaging with it.
6. Disclaimer of Warranties
THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, OR NON-INFRINGEMENT.
We do not warrant that the Site will be uninterrupted, error-free, or secure, or that any information on the Site is complete, accurate, reliable, or current. Your use of the Site, and any reliance you place on its content, is entirely at your own risk. See our full Disclaimer for additional detail.
7. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, CLEARCENTS AND ITS OWNERS, EMPLOYEES, CONTRIBUTORS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR FINANCIAL OPPORTUNITY, ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE OR RELIANCE ON ANY CONTENT PUBLISHED ON IT, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
This includes, without limitation, any financial loss resulting from a decision made based on information found on this Site, including decisions related to debt, credit, banking, insurance, or retirement planning. As stated throughout these Terms, ClearCents content is educational in nature and is not a substitute for personalized professional advice.
8. Indemnification
You agree to indemnify and hold harmless ClearCents and its owners, employees, and contributors from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of your violation of these Terms or your misuse of the Site.
9. Changes to These Terms
We may update these Terms from time to time to reflect changes in our practices, our content, or applicable law. When we make material changes, we will update the "Last Updated" date at the top of this page. Your continued use of the Site after any changes take effect constitutes your acceptance of the revised Terms.
10. Governing Law
These Terms are governed by and construed in accordance with the laws of the United States, without regard to conflict-of-law principles. Any dispute arising from these Terms or your use of the Site will be subject to the jurisdiction of a court of competent authority in the United States.
11. Contact Us
ClearCents is an online-only publication operated by Marc Isach Moriscot. If you have questions about these Terms, please reach out through our Contact page or email us at clearcentscontact@gmail.com.
Frequently Asked Questions
Is the information on ClearCents the same as professional financial advice?
No. ClearCents provides general educational information about personal finance and insurance topics. It is not personalized advice and does not account for your individual financial situation. For decisions specific to you, consult a licensed financial advisor, insurance agent, attorney, or tax professional.
Can I share or link to ClearCents articles?
Yes. You're welcome to link to our articles from your own site or social media, and to quote brief excerpts with attribution and a link back to the original page. Reproducing full articles or large portions of our content elsewhere requires our written permission.
Does ClearCents guarantee the accuracy of every article?
We follow a strict research and sourcing process, outlined in our Editorial Process, and we update our content regularly. However, because financial rules and rates change often and can vary by state, we recommend verifying time-sensitive details directly with the relevant official source before acting on them.
Does ClearCents sell any financial products directly?
No. ClearCents is an independent educational publisher. We are not a bank, lender, insurer, or broker, and we do not sell financial products directly. Some articles may link to third-party providers, and we disclose our advertising and affiliate relationships in our Advertiser Disclosure.