Disclaimer & Disclosure

When using this website, you agree to all parts of the following disclaimer and disclosure:


CleverMoneyJourney (“Us”, “We”) may have a financial relationship with companies regarding products that align with the Website. CleverMoneyJourney Investing is selective in choosing affiliates and is upfront with promoting any products or services. If items are purchased through affiliate links or advertisements, CleverMoneyJourney Investing may be compensated. You will not be charged extra or required to pay more when buying a product through any affiliate links or advertisements. You are not obligated to click on any links or advertisements. References to third party products, websites, or services are subject to change at any time.

Shared links of articles and outside information may appear in the Website. They do not indicate an endorsement or association to the owner of CleverMoneyJourney Investing. It is highly recommended to do your own research on links provided on the Website. All third-party websites have separate and independent privacy policies, terms and conditions, and disclaimers. CleverMoneyJourney Investing has no liability for the content of any linked articles or websites.


I am not a financial expert, financial analyst, or have professional background in finance, and it is highly recommended that you seek out a professional before making any financial decisions. Articles are informational and for educational purposes only, do not constitute financial advice, and do not establish any kind of financial advisor-client relationship with CleverMoneyJourney Investing. The information on the Website are personal opinions and are intended to provide general education about the financial industry. All statements and opinions written on the Website are not intended to provide specific advice or recommendations for any individual person or on any specific security or investment product. CleverMoneyJourney Investing cannot guarantee any validity, accuracy, completeness, or suitability of information expressed on the Website. CleverMoneyJourney Investing is not liable or responsible for any damage or injury resulting from or related to using the information on the website. These include but are not limited to: direct, incidental, consequential, punitive or other damages, failure of performance, and loss of money or materials.

Nothing written on the Website provides investment advice, recommendations for any specific security, portfolio of securities, investment product, transaction recommendation, or investment strategy for any specific person. The owner of CleverMoneyJourney Investing cannot evaluate any details for an individual regarding securities, investments, finances, or financial goals. Therefore, all information is considered general opinions and not specific for any person.

Before making any financial decisions based on information provided on the Website, it is highly recommended to seek authorized, professional, financial advice prior to any choices or actions. The reader agrees and understands that all investments and securities have risk of loss and that past performance has no guarantee on future performance.

By using this Website, you agree to indemnify, hold harmless and defend CleverMoneyJourney.com and any of its directors, officers, employees, agents and members from and against any action, cause, claim, damage, debt, demand or liability for any damages or costs or any loss of any kind arising out of use of this Website or any information contained in or obtained through this Website.

This information has been updated as of October 2020.