About / Privacy / Terms of Use

My name is Nick.  I’m the father of a really fun son (he was born in June of 2009) and the husband of an amazing (and very patient) woman.  As of September 2011, I’m also the father of a beautiful little girl!  I’ll let you in on a little secret.  I really enjoy personal finance.  I enjoy reading, writing and talking about personal finance.  I believe in spending less than you make no matter where you live or how much you make.  And I believe that everyone has the ability to achieve financial freedom in their lifetime.  This blog is my personal finance story.

Take note that blog is about my personal finance thoughts only and some or all of what I type may not be right for you or your situation. The information on this site is not financial advice.  I do not have a degree or certificate in finance or any topic related to finance. I am not a CPA, CFP, CFA, or any other finance-type professional.

This is simply a personal finance journal, written by a regular guy, that details my thoughts about investments, strategy, and analysis.  Feel free to read this blog – but do so at your own risk (insert scary piano music here – bum buuum buuuuum!).

No warranty is made regarding any information, services or products provided. Any and all warranties, including without limitation: any warranties as to the availability, accuracy or content of information, products or services; any warranties of merchantability or fitness for a particular purpose are hereby expressly disclaimed. Some states/provinces do not allow the exclusion of implied warranties, so the above exclusion may not apply to you. And all rights are reserved.

The material and information on this blog is meant to be shared for informational, non-commercial use only. All information is purely information and should not be used when making actual financial decisions. Advice provided on this website is not considered to be a substitute for a Personal Financial Advisor. All readers should consult with their own Financial Advisor before making any financial decisions.

To summarize:  You cannot rely on anything from this site for any reason!  But I hope you enjoy my story.

🙂

Nick

Oh yeah, one more thing: I often link to products or services on this website. When that happens chances are I get some sort of commission if you buy something through clicking from my website.  I try to mention it every time, but in case I forget:  I’m not getting rich over any of this.  When I do, I’ll let you know (and then write a book about how I did it, so you can too…)  But in the interest of full disclosure assume that anything you click on from this site is an affiliate link and I could get some financial benefit from it. But that won’t affect what I say in the blog. I promise.  If I think a product or service is worthwhile I’ll post it.  If I don’t, I won’t – no matter what my relationship is with the company.  So don’t worry about me lying to sell you something I don’t actually like because I could make a buck or two.  That’s not going to happen.  If I don’t like something I may post it with a link as well and a message letting you know that I don’t like it.  🙂 Happy reading!

Privacy Policy

StepAwayFromTheMall.com is committed to protecting your privacy when you visit our Web site. You can access StepAwayFromTheMall.com and browse our site without disclosing any of your personal data. StepAwayFromTheMall.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 StepAwayFromTheMall.com will use it.

Disclosure of Information

StepAwayFromTheMall.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 DONOTSHARE@StepAwayFromTheMall.com. StepAwayFromTheMall.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 StepAwayFromTheMall.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 StepAwayFromTheMall.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 StepAwayFromTheMall.com If you have any questions or concerns about our privacy policy, please contact: PRIVACY@StepAwayFromTheMall.com

TERMS AND CONDITIONS OF StepAwayFromTheMall.com:

StepAwayFromTheMall.com provides the materials contained on this web site to our customers and visitors. StepAwayFromTheMall.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. StepAwayFromTheMall.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 StepAwayFromTheMall.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 StepAwayFromTheMall.com and its affiliates. The Materials are protected by copyright, trademark and other intellectual property laws and treaties. StepAwayFromTheMall.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 StepAwayFromTheMall.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 StepAwayFromTheMall.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 StepAwayFromTheMall.com OR ITS AFFILIATES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

StepAwayFromTheMall.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 StepAwayFromTheMall.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. StepAwayFromTheMall.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

StepAwayFromTheMall.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 identifiedin 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.

* See the online credit card applications for details about terms and conditions of reward programs and offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the” Apply Here” button you can review the credit card terms and conditions on the credit card issuer’s web site.