The Money Planner

By using this site, you signify your agreement and eligibility with these TOS. If you do not agree with any of the below TOS, do not use this site. TFL LLC d.b.a. Chequemate International (hereinafter referred to as Chequemate) reserves the right, in its sole discretion, to modify, alter or otherwise update these TOS at any time. Please check these terms regularly to see if there are any changes. Continued use of the site or any of the Chequemate services after any such changes shall constitute your consent to such changes.

Chequemate is a financial training and education company, which adheres to all federal, state, and local laws. The services that are offered by Chequemate are financial record keeping, financial tools, and general financial education. Chequemate in no way endorses references or makes recommendations to specific financial investment products by advisors or other third parties introducing any of the Chequemate services or products. Chequemate recognizes that they are not financial or tax experts, and deems the reports and calculators to be accurate, but does not assume any liability for any error that may occur.

When accessing any secure area where your personal information is required or available, our security system on the Web requires that members use an SSL enabled browser. Most browsers are initially set to be SSL enabled. As a general recommendation, Chequemate suggests members use a browser version 4.0 or higher. In order to take full advantage of the charts and graphs available through the Chequemate services, you are required to use the Flash plugin, which can be downloaded through our site.

You agree to provide accurate information when completing any registration form. If any provided information is incomplete, inaccurate or Chequemate has reasonable grounds to suspect that such information is incomplete or inaccurate, Chequemate has the right to suspend or terminate your account.

A member is anyone who has ordered or is enrolled to receive any of the Chequemate services for a specified period of time or one-time basis.

Your password and account will be received upon completing the registration form. It is your responsibility to maintain the confidentiality of the password and account. You are fully responsible for all activities that occur under your password and account. You will immediately notify Chequemate of any unauthorized use of your password or account or any other breach of security. Chequemate cannot and will not be held liable for any loss or damages from your failure to comply.

As a condition of your use of any Chequemate service, you warrant to Chequemate that you will not use the services for any purpose that is unlawful or prohibited by these terms, conditions and notices. Chequemate services are provided to individuals for their own personal and business use only. You agree to use the services to store, retrieve and analyze your own data. Any unauthorized commercial use of the Chequemate services, or the resale of its services, is expressly prohibited unless otherwise granted in writing by Chequemate.

It is the policy of Chequemate to respect and protect the privacy of its members. Chequemate may ask you to provide certain information about yourself by completing and submitting an online form when engaging in certain activities on this site. It is completely optional for you to engage in these activities. If you elect to engage in these activities, however, it may be necessary that you provide us personal information, such as your name, e-mail address, or other personal identifying information.

When you submit personal information to us, you understand and agree that we, in addition to our trusted vendors, may transfer, store and process your information in order to technically offer and service the product. Personally identifying financial data that is gathered will not be distributed, traded, exchanged or sold without your prior permission, unless such action is necessary to comply with legal process.

All pages on our Web site that request personal information use Secure Socket Layer (SSL) encryption. SSL codes information transferred between you and the server and renders it unreadable to anyone intercepting the information. Receipt of your application request will be confirmed online within our secure server.

Chequemate services are provided to individuals who are at least 18 years old or to minors who have parental permission to open, and maintain an account. No information should be submitted to or posted to Chequemate by guests under 18 years of age without the consent of their parent or guardian.

With the World Wide Web being global, you agree to comply with all applicable laws of the United States of America, including those regarding the export of data. You also agree to comply with all local rules in regard to online conduct.

Whether or not you take advantage of a portion, all, or none of the services made available through Chequemate you will be charged for the service period enrolled for and no refund given. NO refund will be given for any monthly, quarterly, semi-annual, annual or promotional offer service fees paid for, but not used.

Member agrees to indemnify and hold Chequemate and its affiliates, officers, agents, co-branders or other partners, and employees, harmless from and against any and all losses, claims, damages, demands, and other costs of any nature or kind whatsoever, including and without limitation, all attorneys fees, costs, and expenses, arising directly or indirectly out of or in connection with member participation in any of the Chequemate services. Member recognizes that Chequemate services and/or products may be offered by other third parties in conjunction with other third party products and/or services. Chequemate in no way endorses or makes any warranties concerning such offers.

Member agrees not to reproduce, duplicate, copy, sell, resell or exploit for any commercial purpose, any portion of the services, use of the services, or access to the services without the written consent of Chequemate.

Your financial data for the current calendar year plus all data for the previous two calendar years will be retained for your use on the system. If you have terminated your monthly service, you will not have access to your data as of the termination date.Information entered in Knock Out Your Debt will not be retained after your one-time service is complete.

Chequemate may alter general practices and limits regarding the use of the services including, but not limited to, the maximum number of days your personal financial data will be retained on the system and the number of days data is available to you after your membership has terminated.

You agree that Chequemate has no responsibility or liability for the deletion or failure to store any data maintained or transmitted by the service. You further acknowledge that Chequemate reserves the right to change these general practices and limits at any time, in its sole discretion, with or without notice.

Chequemate reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, any of the Chequemate services (or any part thereof) with or without notice. You agree that Chequemate shall not be liable to you or to any third party for any modification, suspension, or discontinuance of any Chequemate services.

As a member, you have the right to cancel your service at any time. To terminate your service, written notification must be received by Company via mail or email at service@themoneyplanner.com. You will receive email confirmation, confirming that your request for termination has been processed. You agree that Chequemate, in its sole discretion, may terminate your password, account (or any part thereof) or use of any Chequemate service, and remove and discard any content within the services, for any reason, including, without limitation, lack of payment or if Chequemate believes that you have violated or acted inconsistently with the terms and conditions. Further, you agree that Chequemate shall not be liable to you or any third-party for any termination of your access to the Chequemate services.

Your correspondence or business dealings with, or participation in promotions of, advertisers found on or through the Chequemate services, including payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such advertiser or third party vendor. You agree that Chequemate shall not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of such advertisers or third party vendors of the service. Chequemate does not endorse any such advertisers or third party vendors and in no way can be held liable for their activities and non-performance.

Chequemate may provide, or third parties may provide, links to other World Wide Web sites or resources. Chequemate has no control over such sites and resources. You acknowledge and agree that Chequemate is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any content, advertising, products, or other materials on or available from such sites or resources. Chequemate is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Chequemate of the site or any association with their operators. You further acknowledge and agree that Chequemate shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use or reliance on any such content, goods or services available on or through any such site or resource.

You acknowledge and agree that the Chequemate services are proprietary and may have confidential information that is protected by applicable intellectual property and other laws. You further acknowledge and agree that content contained in sponsor advertisements or information presented to you through any of the Chequemate services or advertisers is protected by copyrights, trademarks, service marks, patents or other proprietary rights and laws. Except as expressly authorized by Chequemate, you agree not to modify, rent, lease, loan, sell, distribute or create derivative works based on any of the Chequemate services, in whole or in part.

Chequemate grants you a personal, nontransferable and non-exclusive right to use the Chequemate services; provided that you do not (and do not allow any third party to) copy, modify, create a derivative work of, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sublicense, grant a security interest in or otherwise transfer any right in the Program. You agree not to modify the Programs in any manner or form, or to use modified versions of the Program, including (without limitation) for the purpose of obtaining unauthorized access to the Program. You agree not to access the Program by any means other than through the interface that is provided by Chequemate or an approved third party vendor for use in accessing the Program.

A. The information and services included in or available through any of the Chequemate services may include inaccuracies or typographical errors. Changes are periodically added to the information herein. Chequemate and/or its respective suppliers may make improvements and/or changes in the Chequemate services at any time.

YOU EXPRESSLY UNDERSTAND AND AGREE THAT CHEQUEMATE SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF CHEQUEMATE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM: (1) THE USE OR THE INABILITY TO USE ANY OF THE CHEQUEMATE SERVICES; (2) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM ANY OF THE CHEQUEMATE SERVICES; (3) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (4) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON ANY OF THE CHEQUEMATE SERVICES; OR (5) ANY OTHER MATTER RELATING TO ANY OF THE CHEQUEMATE SERVICES.

Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Accordingly, some of the above limitations in the sections titled LIMITATION OF LIABILITY and DISCLAIMER may not apply to you.

Chequemate, Chequemate International, The Money Planner, The Money Planner Online, Fastrak, CashFlow Plus, Knock Out Your Debt, The Four Laws, Spend Your Way To Wealth, Debt Down, and/or other Chequemate products and services referenced herein and as part of the Chequemate services are either trademarks or registered trademarks of Chequemate. Chequemate trademarks and logos, product and service names and copyrights are trademarked by Chequemate. Without written permission from Chequemate, you agree not to display or use in any manner, the Chequemate marks or copy written materials.

This agreement is governed by the laws of the State of Utah, and the United States of America. The TOS constitute the entire agreement between you and Chequemate and govern your use of the Chequemate services, superceding any prior agreements between you and Chequemate. You also may be subject to additional terms and conditions that may apply when additional services are offered and/or you enter any contests that Chequemate may make available from time to time. You also may be subject to additional terms and conditions that may apply when you use affiliate services, third party content. The Terms Of Service and the relationship between you and Chequemate shall be governed by the laws of the State of Utah without regard to its conflict of law provisions. You and Chequemate agree to submit to the personal and exclusive jurisdiction of the courts located within the county of Salt Lake in the State Utah, USA. The failure of Chequemate to exercise or enforce any right or provision of the TOS shall not constitute a waiver of such right or provision. If any provision of the TOS is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of the TOS remain in full force and effect. You agree that regardless of any statute of law to the contrary, any claim or cause of action arising out of or related to use of the Service or the TOS must be filed within one (1) year after such claim or cause of action arose or be forever barred.

If you have additional questions that are not answered in the above TOS, please contact us at info@themoneyplanner.com.