These Terms of Use set out the rules for using FMBanksia.com, including our articles, guides, newsletter and contact form. By using the site, you agree to these terms. If you do not agree, please do not use the site. Last updated: November 2, 2026.
About the site
FMBanksia.com is an independent personal-finance publication focused on the United States. We publish general educational content about investing, banking, markets, personal finance, crypto and real estate. We are a publisher, not a bank, broker, lender or registered financial adviser. We do not hold deposits, sell financial products or manage money.
Educational content only
Everything on the site is general information for educational purposes. It is not personalized financial, investment, tax or legal advice, and it does not take into account your own circumstances, goals or risk tolerance. Nothing on the site is an offer or recommendation to buy or sell any security, cryptocurrency or other financial product. Before making financial decisions, consider speaking with a qualified professional who can review your situation. Our Financial Disclaimer explains this in more detail and forms part of these terms.
Accuracy and updates
Our guides are researched from primary sources, reviewed by an editor and dated, as described in our Editorial Policy. Even so, financial rules, rates, limits and market conditions change, and errors can happen. We do not guarantee that any content is complete, current or error-free at the moment you read it. Always check important figures, such as contribution limits, tax thresholds or interest rates, with the official source before relying on them. If you spot an error, please tell us through our contact page.
Using the site
You may read, share links to and print our content for your personal, non-commercial use. When using the site, you agree not to:
- copy, republish, sell or redistribute our content in bulk or for commercial purposes without written permission;
- scrape, harvest or systematically download content using automated tools, except for ordinary search-engine indexing;
- attempt to interfere with the site’s security or operation, or gain unauthorized access to any part of it;
- use the contact form or newsletter sign-up to send spam, malicious code or unlawful material; or
- impersonate us or misrepresent your relationship with us.
Quoting a short excerpt with a clear credit and a link back to the original article is welcome.
Intellectual property
Unless stated otherwise, the articles, guides, graphics, design and other original material on the site are owned by FMBanksia.com and protected by copyright and other laws. Trademarks, logos and names of third parties that appear in our content belong to their respective owners and are used for identification and commentary only; their use does not imply endorsement.
Newsletter
If you subscribe to the weekly Brief, you agree to receive it by email at the address you provide. You can unsubscribe at any time using the link in any newsletter or by emailing editorial@fmbanksia.com. How we handle your email address is described in our Privacy Policy.
Messages you send us
When you send us a message, correction request or tip, you confirm that it is accurate to the best of your knowledge and that you have the right to share it. We may use the substance of correction requests and reader feedback to improve our content. We will not publish your name or contact details without your permission.
Links to other websites
Our content links to external websites, especially regulators, government agencies and official data sources. We provide these links for reference. We do not control those sites and are not responsible for their content, availability or privacy practices. We do not currently use affiliate links, and no external link on the site is paid placement.
Disclaimer of warranties
The site and its content are provided “as is” and “as available”. To the fullest extent permitted by law, we make no warranties of any kind, express or implied, including warranties of accuracy, fitness for a particular purpose or uninterrupted availability.
Limitation of liability
To the fullest extent permitted by law, FMBanksia.com and its editorial team are not liable for any loss or damage, including financial losses, arising from your use of the site, your reliance on any content, or any decision you make based on it. You are responsible for your own financial decisions. Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.
Changes to the site and these terms
We may update, change or remove content at any time, and we may revise these terms from time to time. The “last updated” date above shows the latest version. Continuing to use the site after changes are posted means you accept the revised terms.
Contact
Questions about these terms can be sent to editorial@fmbanksia.com or through our contact page.