ptmoney.com is owned and operated by Philip Taylor, or PT. As such, “PT Money”, “ptmoney.com”, “Part-Time Money®” “Philip”, and “PT” are interchangeable within the context of these disclaimers and policies.

General Disclaimer

The content of ptmoney.com is for general information purposes only and does not constitute professional advice. ptmoney.com tries to provide content that is true and accurate as of the date of writing; however, we give no assurance or warranty regarding the accuracy, timeliness, or applicability of any of the contents. Visitors to ptmoney.com should not act upon the content or information without first seeking appropriate professional advice.

ptmoney.com is not intended to be a source for professional advice. Visitors to ptmoney.com should always seek the advice of an appropriately qualified professional. ptmoney.com assumes no responsibility for information contained on this web site and disclaims all liability in respect of such information. In addition, none of its content will form any part of any contract between us or constitute any type of offer by ptmoney.com. Specific disclaimers may apply in addition to certain content or parts of the site.

ptmoney.com accepts no responsibility for and excludes all liability in connection with browsing this web site, use of information or downloading any materials from it, including but not limited to any liability for errors, inaccuracies, omissions, or misleading or defamatory statements. The information at this web site might include opinions or views which, unless expressly stated otherwise, are not necessarily those of ptmoney.com or any associated company or any person in relation to whom they would have any liability or responsibility.

All content and information at ptmoney.com might be changed or updated without notice. ptmoney.com might also make changes or improvements at any time without notice.

This web site is provided “as is” and ptmoney.com expressly disclaims any and all warranties, express or implied, to the extent permitted by law, including but not limited to warranties of satisfactory quality, merchantability, or fitness for a particular purpose, with respect to the service or any materials.

ptmoney.com hereby excludes liability for any claims, losses, demands, or damages of any kind whatsoever with regard to any information, content, or services provided at our web site, including but not limited to direct, indirect, incidental, or consequential loss or damages, compensatory damages, loss of profits, or data, or otherwise.

Disclaimer of Endorsement

Reference within this site to any specific commercial or non-commercial product, process, or service by trade name, trademark, manufacturer or otherwise does not constitute or imply an endorsement, recommendation, or favoring by ptmoney.com.

The views and opinions of the authors of content published at ptmoney.com does not necessarily state or reflect the opinion of ptmoney.com or its owners, and cannot be used for advertising or product endorsement purposes.

References to books, software, web sites, or products as “Recommended by ptmoney.com” are specific suggestions only and do not necessarily constitute or imply an endorsement.

FTC Disclaimer

In accordance with the latest FTC guidelines, we declare that we have a financial relationship with every company mentioned on this site. For product or service reviews, we will have received the product or access to the service for free. For product and service giveaways, we will have received the product or access to the service for free. Any rates or third party offers listed on this site change without notice and may be out of date. For the latest rate or offer information please consult with the institution or organization. We endeavor to keep all information up to date but that’s not always possible given how quickly things change.

Credit Card Advertisement Disclosure

The credit card offers that appear on the website are from credit card companies from which PT Money receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers.

Disclaimer for Links to External, Third Party Web Sites

Links to external, or third party web sites, are provided solely for visitors’ convenience. Links taken to other sites are done so at your own risk and ptmoney.com accepts no liability for any linked sites or their content. When you access an external web site, keep in mind that ptmoney.com has no control over its content.

Any link from ptmoney.com to an external web site does not imply or mean that ptmoney.com endorses or accepts any responsibility for the content or the use of such web site. ptmoney.com does not give any representation regarding the quality, safety, suitability, or reliability of any external web sites or any of the content or materials contained in them. It is important for users to take necessary precautions, especially to ensure appropriate safety from viruses, worms, Trojan horses and other potentially destructive items.

When visiting external web sites, users should review those web sites’ privacy policies and other terms of use to learn more about, what, why and how they collect and use any personally identifiable information.