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Terms of Use, Disclaimer, and Privacy Policy

Please review the following Terms of Use, Disclaimer, and Privacy Policy before using this website.

Terms of Use

By using this site, you agree and are bound by the following information each time you visit the site.

Copyright © 2020. UniversalCents.Com.

By using this site, you agree to the privacy policy documented below.  If you do not agree, do not use this website or its services.

Site users agree that their use of this site is personal only.  You cannot reproduce any part of this site for commercial purposed without consent.  No other person or company is allowed to copy, use, or sell, or publish content from this site without permission. 

This site and its operator are not responsible for any errors or omissions from this site, and I am not liable for what people post in comments.  I am not acting in a professional capacity and am not responsible for your results.

This site publishes information from third parties.  Their opinions are their own, and this site does not guarantee their accuracy.

This site reserves the right to delete any comment on a post.


General Disclaimer

This is an independent website and is not managed by a trained financial expert.  My knowledge comes from life experience, research, and reading.  I do my best to be accurate but cannot guarantee any result.  Information may become incorrect, incomplete, or out-of-date at any time.  Users, therefore, agree that any information, product, or service on this site does not constitute an engagement into a legal, business, or financial-advice agreement to a user or company.  The views of the site are of the author alone.  Users agree that by utilizing the information, products, or services, they are assuming any and all risks associated with them.  There is no guarantee that a reader will have the same results as those published on this site.

I have made every effort to accurately represent the information, products, and services on this site, but users accept that their potential performance is subject to independent factors.  No guarantee or warranty is provided.  It is your responsibility to discuss legal and financial soundness with a qualified professional.

Affiliate Relationships

This site makes money through affiliate relationships with multiple companies.  This means I make a commission if you purchase products or services through a link.  Advertisers have no say on the content of the site, but I may be paid to provide an opinion on products or services discussed.  Any product or services on this site is recommended because I believe they will help the reader.  Assume any links to products or services are affiliates, and I will make sure to ensure that affiliate links are disclosed in accordance with the FTC.

Privacy Policy

Who we are

Our website address is

What personal data we collect and why we collect it


When visitors leave comments on the site, we collect the data shown in the comments form and also the visitor’s IP address and browser user agent string to help spam detection.

An anonymized string created from your e-mail address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: After approval of your comment, your profile picture is visible to the public in the context of your comment.


If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.


If you e-mail the operator of the site, the content could be published on the blog, with all personally-identifying information removed, and I will usually ask for permission requested first but reserve the right to publish useful information for other users.


If you leave a comment on our site, you may opt-in to saving your name, e-mail address, and website in cookies. These are for your convenience so that you do not have to fill in your details when you leave another comment. These cookies will last for one year.

Embedded content from other websites

Articles on this site may include embedded content (e.g., videos, images, articles, etc.). Embedded content from other websites behaves in the same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.


This site uses Google Analytics and WordPress JetPack to collect aggregated statistics and standard traffic patterns of our users, which may be shared publicly or shared with others.  No personally-identifying information will ever be disclosed.


This site links to outside websites.  I am not responsible for those other sites, and they have their own privacy statements.

How long we retain your data

If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.

This website is not directed to children under 13 and does not collect, use, or disclose personal information from visitors known to be under 13.

What rights you have over your data

If you have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.

Where we send your data

Visitor comments may be checked through an automated spam detection service.


Advertisements shown on this site can be delivered by advertising partners, who may set cookies.  This privacy policy covers cookies from UniversalCents, not by affiliates or advertisers.

Additional information

This site will never sell or voluntarily disclose any personal information.  The only information being stored is for the operation of the website or its services.  The privacy policy may be edited at any time.  If you don’t agree with any of this, you should not access the site.  You can also opt-out of any e-mail marketing at any time.

If you have any questions, contact me via any means on the about page.

Last Updated: January 2020