Terms of Use
Updated on July 04, 2025.
Welcome to The Mad Capitalist, found at https://themadcapitalist.com/. This free site shares articles and tools designed to help people in the United States navigate personal finance. Whether you are comparing credit cards, shaping a monthly budget, exploring federal tax credits, or looking for debt-repayment ideas, our material aims to guide you with clear, trustworthy information.
All content on The Mad Capitalist is created and reviewed by our editorial staff. Each piece passes through rigorous research, fact checking, and editing to ensure usefulness and accuracy. By visiting or using this website, you accept the terms, conditions, and guidelines laid out below. In these Terms of Use, the words “we,” “our,” and “us” refer to The Mad Capitalist.
We do not operate as a bank, lender, broker, or financial advisor, and we have no ties to companies that issue financial products. While our articles may discuss credit cards, loans, or other third-party services, we do not sell these products, provide personalized recommendations, or accept payment to feature specific brands. All material is shared for educational reading. Editorial decisions are made without influence from advertisers or commercial partners.
We do not act as a recruitment service, job board, or training provider. Occasionally, you may read about job market news, career tips, or learning resources, but we are not affiliated with employers, course platforms, or educational institutions. Mentions of opportunities are provided solely to help readers explore options on their own. We do not earn commissions or referral fees for these mentions.
The Mad Capitalist serves a broad audience, from beginners to experienced savers. Our goal is to deliver dependable insights in plain language, free from sales pressure and confusing jargon.
By using this website, you agree to follow these Terms of Use and all applicable laws when accessing or sharing our content. You understand that any actions taken based on our material are your responsibility. Although we work diligently to keep information up to date, we cannot promise every detail will remain current or suit every personal situation.
We respect your personal data. For information on how we collect, use, and protect user information, please review our Privacy Policy, which forms part of these Terms of Use.
This document explains your responsibilities, limits our liability, establishes the conditions for accessing and using our content, and outlines the standard of respectful conduct we expect on our platform.
IF YOU DO NOT ACCEPT THESE TERMS OF USE, PLEASE DISCONTINUE USE OF THE MAD CAPITALIST WEBSITE AND ITS SERVICES.
Article I – User Agreement
1.1 By accessing the The Mad Capitalist platform at https://themadcapitalist.com/, you confirm that you have read, understood, and accepted the Terms of Use and Privacy Policy. These documents establish the legal framework governing your access to and interaction with all content, features, and services provided by The Mad Capitalist.
1.2 By using this website, you further affirm that you are legally eligible to enter into binding agreements and are at least 16 years of age. Your continued use of the platform signifies your informed and voluntary acceptance of all applicable terms, policies, and conditions.
1.3 If you do not meet the required eligibility criteria or do not agree with any portion of the Terms of Use or Privacy Policy, you must immediately cease using the The Mad Capitalist website and all associated services, tools, and content.
Article II – Communication and Support
2.1 The Mad Capitalist offers designated communication channels for users seeking assistance, submitting feedback, or making inquiries regarding the platform and its informational content.
2.2 For support requests, issue reporting, or general suggestions, users are encouraged to contact us through our official contact form at https://themadcapitalist.com/contact. Using this form ensures that your message is routed appropriately and allows our team to respond efficiently and accurately.
Article III – User and Platform Responsibilities
3.1 All users accessing The Mad Capitalist platform are required to review and accept the Terms of Use and Privacy Policy prior to continued interaction with the website. Each user is individually responsible for understanding and complying with the terms set forth in these documents while engaging with any part of the platform and its associated features.
3.2 The Mad Capitalist may include hyperlinks to external websites or digital services as a convenience to users. These third-party links are provided strictly for informational purposes. The Mad Capitalist does not own, operate, sponsor, or formally endorse any third-party content, services, or platforms that may be referenced.
3.3 Users who choose to access or engage with any external platforms linked from The Mad Capitalist do so at their own discretion and assume full responsibility for reviewing the applicable terms, privacy practices, and security protocols of those external entities.
3.4 The Mad Capitalist assumes no responsibility for the operations, accuracy, data handling practices, or legal policies of any third-party site. We are not party to, nor do we oversee, any transactions, communications, or agreements that may arise between users and third-party services. Such interactions are conducted entirely at the user’s own risk.
3.5 Users are solely responsible for securing their devices, personal data, and browsing environment against cyber threats, including but not limited to malware, phishing, spyware, and unauthorized access. The Mad Capitalist disclaims liability for any damages or losses arising from third-party threats or technical vulnerabilities outside of our direct control.
3.6 While reasonable efforts are made to maintain the stability and reliability of the The Mad Capitalist platform, we cannot guarantee continuous, error-free operation. Users may occasionally experience service interruptions, technical issues, or delays caused by factors beyond our control, including system outages or malicious cyberattacks. We are not liable for any resulting inconvenience or data loss.
3.7 Access to The Mad Capitalist is provided free of charge. We do not request donations, offer subscription tiers, or collect payments for use of our informational content. Any request for payment presented as coming from The Mad Capitalist should be considered fraudulent and reported immediately.
3.8 To protect against phishing, impersonation attempts, or fraudulent communications, users are advised to remain vigilant. Avoid clicking on suspicious links or downloading unknown attachments. If you receive a message claiming to be from The Mad Capitalist that raises concern, report it promptly through our official contact form at https://themadcapitalist.com/contact so it can be reviewed by our team.
Article IV – Prohibited Conduct
To ensure a safe, respectful, and professionally managed environment, The Mad Capitalist strictly prohibits the following actions and behaviors across all areas of its platform:
Engaging in Unlawful Activity
Users must not use The Mad Capitalist to engage in, promote, or support any activity that violates applicable laws. The platform may not be used to facilitate, encourage, or coordinate any form of illegal behavior.
Violation of Legal Standards
All users are expected to comply with local, national, and international laws and regulations. Any conduct that breaches these standards while using the platform will be addressed with appropriate corrective or legal measures.
Infringement of Intellectual Property Rights
All original content on The Mad Capitalist is protected by intellectual property laws. Users may not copy, reproduce, modify, distribute, or republish any material—including articles, graphics, or proprietary information—without prior written permission.
Harassment, Discrimination, and Defamatory Behavior
Harassment, hate speech, and abusive behavior of any kind are strictly prohibited. This includes, but is not limited to, targeting individuals or groups based on race, ethnicity, gender, religion, sexual orientation, disability, or any protected status. Defamatory or threatening remarks will not be tolerated.
Spreading False or Misleading Information
Users must not share content they know to be false, deceptive, or misleading. All interactions—whether through comments, messages, or submissions—must reflect honest and accurate communication.
Dissemination of Malicious Code
It is strictly forbidden to upload, link to, or distribute any form of malware, spyware, ransomware, viruses, or unauthorized tracking tools. Such actions will result in immediate suspension and may lead to legal consequences.
Misuse of Personal Information
Users may not collect, share, or misuse personal data belonging to other individuals without clear and lawful consent. The platform requires all users to respect privacy laws and data protection standards.
Fraudulent or Deceptive Conduct
Impersonation, identity theft, phishing attempts, or the creation of fraudulent profiles or communications are prohibited. Any effort to deceive other users or the platform will be considered a serious violation.
Posting Inappropriate or Obscene Content
Content that includes explicit sexual material, graphic violence, or any other subject matter deemed offensive, harmful, or unsuitable for a professional environment is not permitted.
Tampering with Platform Integrity or Security
Users may not attempt to hack, disrupt, reverse-engineer, or circumvent any technical, security, or operational functions of The Mad Capitalist. Unauthorized access to any part of the platform’s infrastructure is strictly forbidden.
Violations of any of the above conduct guidelines may result in temporary suspension or permanent removal from the platform. In cases involving threats to safety, significant harm, or unlawful activity, The Mad Capitalist reserves the right to notify law enforcement authorities and take legal action when appropriate.
Article V – Disclaimer of Warranties and Limitation of Liability
The Mad Capitalist is committed to maintaining a well-curated and dependable platform. While reasonable efforts are made to ensure that all materials are accurate, timely, and accessible, we cannot guarantee that the platform will be free from technical issues, delays, inaccuracies, or interruptions at all times.
All information, tools, and features provided by The Mad Capitalist are offered “as is” and “as available,” without any express or implied warranties. This includes, but is not limited to, warranties of accuracy, reliability, completeness, usefulness, merchantability, fitness for a particular purpose, or non-infringement. Users are solely responsible for how they interpret, use, or act upon the content provided.
We reserve the right to update, modify, suspend, restrict, or discontinue any section, service, or functionality of the platform at our sole discretion, without prior notice. This may include the addition, removal, or revision of content or features at any time.
By accessing and using The Mad Capitalist, you do so voluntarily and at your own risk. To the fullest extent permitted by applicable law, the following disclaimers apply:
- We do not warrant that the platform will meet any specific expectations, intended use cases, or individual needs.
- We make no guarantees regarding the uninterrupted availability or flawless operation of the platform.
- We do not represent that the content will always reflect the latest legal, technical, or societal developments.
- We assume no responsibility for third-party services, platforms, or websites referenced or linked on our site.
- We disclaim any affiliation with or endorsement of third-party outcomes related to external resources mentioned on The Mad Capitalist.
Under no circumstances shall The Mad Capitalist—its editors, contributors, licensors, service providers, or affiliates—be held liable for any direct, indirect, incidental, consequential, punitive, or special damages arising from your access to or use of the platform. This includes, but is not limited to:
- Loss of time, data, opportunity, or productivity;
- Technical disruptions or access errors beyond our control;
- Reputational, financial, or legal consequences from reliance on content;
- Costs incurred from adopting, rejecting, or modifying actions based on information presented.
These limitations apply regardless of the legal theory asserted and whether or not The Mad Capitalist was advised of the possibility of such damages.
By continuing to use this platform, you acknowledge and accept that The Mad Capitalist assumes no liability for any decisions, consequences, or interpretations arising from the use of its content or features.
Article VI – Duration and Legal Timeframe
All provisions set forth in The Mad Capitalist Terms of Use shall remain legally binding and fully enforceable for the entire duration of a user’s interaction with the platform. These terms apply continuously—regardless of frequency, method, or type of access—and shall remain in effect unless formally modified, replaced, or withdrawn through an official notice or published revision available at https://themadcapitalist.com/.
In the event of any dispute, concern, or legal claim arising from the use of The Mad Capitalist—including matters relating to the Privacy Policy—users must initiate any formal complaint or legal proceeding within ninety (90) calendar days from the date the issue first occurred. Claims submitted after this timeframe may be deemed invalid and subject to dismissal under applicable law due to untimeliness.
This limitation period is intended to promote timely resolution and ensure that disputes are addressed while facts and supporting evidence remain accessible, accurate, and verifiable. Prompt reporting supports a fair and efficient process for all parties involved.
Article VII – Governing Law and Jurisdiction
The interpretation, application, and continued enforceability of The Mad Capitalist Terms of Use and Privacy Policy shall be governed by applicable federal and state laws relevant to digital platforms, online services, consumer rights, and data protection.
Any dispute, legal action, or proceeding arising from or related to a user’s interaction with The Mad Capitalist shall be subject to the exclusive jurisdiction of the competent courts authorized to adjudicate such matters within the appropriate legal territory.
By using The Mad Capitalist, you expressly consent to the resolution of any legal claims in accordance with these governing laws. You further acknowledge that all jurisdictional issues will be addressed under the legal framework applicable to digital service providers and online informational platforms operating within the United States.
Article VIII – Intellectual Property and Content Ownership
8.1 Content Ownership and Rights
All original materials published on The Mad Capitalist—including but not limited to written content, data visualizations, design elements, logos, icons, trademarks, multimedia, and platform functionalities—are protected under applicable intellectual property laws. These materials are the exclusive property of The Mad Capitalist or its licensed contributors. Any unauthorized reproduction, modification, translation, distribution, public display, or other use of platform content without prior written consent is strictly prohibited.
8.2 Limitation of Liability
The Mad Capitalist is not responsible for the accuracy, intent, legality, or effect of any third-party or user-submitted content that may appear on the platform. This includes external links, embedded media, public comments, or references to third-party sources. Users engage with such content at their own discretion and assume full responsibility for any outcomes. The Mad Capitalist disclaims all liability for damages, misinformation, or losses—whether direct, indirect, incidental, or consequential—arising from interaction with non-original or third-party materials.
8.3 Handling Content Violations
The Mad Capitalist reserves the right, at its sole discretion, to monitor, review, remove, or restrict any content that violates platform terms, legal requirements, or ethical standards. This includes, but is not limited to, content that is unlawful, misleading, plagiarized, defamatory, harmful, or otherwise inappropriate. Enforcement actions may include removal of content, temporary suspension, or permanent restriction of user access. In cases involving repeated or serious violations, legal authorities may be notified where appropriate.
Article IX – Changes to Terms and Conditions
The Mad Capitalist reserves the full right to revise, amend, update, or discontinue any portion of its Terms of Use, Privacy Policy, or platform services at any time, without prior notice. Such modifications may result from legal requirements, operational decisions, changes in service functionality, or broader structural updates to the platform.
Users are solely responsible for reviewing the Terms of Use periodically to remain aware of any changes. Continued access to or use of the platform after such modifications have been made constitutes explicit acceptance of the revised terms.
The Mad Capitalist shall not be held liable for any inconvenience, data loss, dissatisfaction, or service disruptions arising from amendments, feature removal, or the partial or complete suspension of services.
If you do not agree to the updated Terms or any platform modifications, you must immediately discontinue all use of The Mad Capitalist and its related services.
Article X – Contact Information
If you have questions regarding these Terms, require assistance with any aspect of the platform, or wish to share general feedback about The Mad Capitalist, you are encouraged to contact us through our official page: https://themadcapitalist.com/contact.
We welcome inquiries, support requests, technical issue reports, and constructive suggestions. While we strive to respond to all messages in a timely and respectful manner, response times may vary depending on the volume and complexity of the inquiry.