Terms of Use

These Terms of Use govern your access to and use of the Your Reserve Fund website, the Private Capital System Letter, and any related guides, playbooks, calculators, or assessments we publish (collectively, the “Site”). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please discontinue use of the Site.

Educational Content Only

The Site provides financial education and general information. It does not constitute individualized financial, legal, tax, or investment advice. Nothing on the Site is a recommendation, offer, or solicitation to buy or sell any insurance product, security, or other financial instrument. You should consult qualified professionals before making financial decisions.

Eligibility

You must be at least 18 years of age to use this Site. By using the Site, you represent that you are of legal age and have the authority to enter into these Terms.

Intellectual Property

All content on the Site — including articles, graphics, logos, and downloadable guides — is owned by or licensed to Your Reserve Fund and is protected by applicable intellectual property laws. You may view and download materials for your personal, non-commercial use. You may not reproduce, distribute, modify, or commercially exploit any content without prior written permission.

Acceptable Use

You agree not to:

• Use the Site for any unlawful purpose or in violation of these Terms;
• Attempt to gain unauthorized access to any portion of the Site or its systems;
• Introduce viruses, malware, or any code that may harm the Site or its users; or
• Collect or harvest personal data of other users without consent.

Forms & Consent to Contact

When you submit a form — such as requesting a guide or playbook — you provide your information voluntarily. By submitting, you expressly consent to be contacted by Your Reserve Fund or its subsidiaries, affiliates, or agents at the number or email you provided regarding products or services via live, automated, or prerecorded telephone call, text message, or email, even if your number is registered on a Do Not Call list. You understand that your telephone company may impose charges for these contacts, that providing consent is not a condition of any purchase, and that you may revoke consent at any time by replying “STOP” to any text or contacting us at editor@yourreservefund.com.

Third-Party Links

The Site may contain links to third-party websites that are not owned or controlled by Your Reserve Fund. We are not responsible for the content, privacy practices, or accuracy of any third-party site. Accessing third-party links is at your own risk.

Disclaimer of Warranties

The Site is provided on an “as is” and “as available” basis without warranties of any kind, express or implied. We do not warrant that the Site will be uninterrupted, error-free, secure, or that any information is accurate or complete. Your use of the Site is at your sole risk.

Limitation of Liability

To the fullest extent permitted by law, Your Reserve Fund and its affiliates, officers, employees, and agents shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your access to or use of, or inability to access or use, the Site.

Changes to These Terms

We may update these Terms from time to time. The “Last updated” date above reflects the most recent revision. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

Governing Law

These Terms are governed by the laws of the Commonwealth of Virginia, without regard to its conflict-of-law principles. Any disputes arising from these Terms shall be resolved in the state or federal courts located in Virginia.

Contact

Questions about these Terms may be directed to editor@yourreservefund.com or by writing to Your Reserve Fund, 6479 Main St, The Plains, VA 20198.