Terms of Use

Acceptance of these terms

These Terms of Use ("Terms") govern your access to and use of action2day.com (the "Site"), operated by Action2Day ("Action2Day," "we," "us" or "our"). By using the Site, you agree to these Terms and to our Privacy Policy. If you do not agree, please do not use the Site.

Educational information only

Action2Day publishes general educational information. It is not financial, legal or insurance advice, and Action2Day is not a lender, insurer, broker or government agency.

Our guides describe how bills, payment options and public programs generally work. They are not tailored to your circumstances and do not create any advisory, professional or fiduciary relationship between you and Action2Day. Rules, eligibility and availability for programs and services vary by state, provider and household, and they change over time. Before making a decision, confirm the details with the relevant agency or provider, and consider speaking with a qualified professional about your situation.

Action2Day does not make any promise about approval, eligibility, savings, amounts or outcomes of any kind. We are not affiliated with, endorsed by or acting on behalf of any government agency or company mentioned on the Site.

Accuracy and changes

We work to keep our guides accurate and current, and each guide shows when it was last reviewed. Even so, information may become outdated or contain errors, and we do not warrant that any content is complete, accurate or current at the time you read it. We may change, update or remove content at any time without notice.

Third-party websites

The Site links to websites operated by others, including government agencies. We provide these links for convenience. We do not control those websites and are not responsible for their content, availability, accuracy or privacy practices. Your use of any third-party website is governed by that website's own terms and policies.

Using this website

You may use the Site for your own personal, non-commercial purposes. You agree not to:

• Use the Site in any way that breaks the law or infringes anyone's rights
• Submit false information, or impersonate another person, through our forms
• Send spam, malicious code or automated submissions through our forms
• Attempt to gain unauthorized access to the Site, its servers or any stored data
• Interfere with the operation or security of the Site
• Copy, republish or redistribute substantial parts of the Site without our written permission

Content ownership

The text, design and graphics of the Site are owned by Action2Day and protected by copyright and other laws. You may share links to our guides and quote short passages with attribution and a link back to the original page. Photographs on the Site are used under license from Unsplash and remain the property of their respective photographers.

Emails and text messages

If you sign up for updates, you agree to receive emails from Action2Day. You can unsubscribe at any time using the link in any email. If you also tick the text message consent box, you agree to receive recurring informational text messages as described in our Mobile Policy. Message frequency varies, message and data rates may apply, and you can reply STOP to cancel or HELP for help. Consent to receive text messages is not a condition of any purchase.

What you send us

When you contact us, you agree that the information you provide is accurate and that you have the right to share it. Please don't send sensitive personal or financial information. If you send us suggestions or feedback about our content, you agree that we may use them to improve the Site without any obligation to you.

Disclaimer of warranties

The Site and all content on it are provided "as is" and "as available," without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, accuracy and non-infringement. We do not warrant that the Site will be uninterrupted, error-free or free of harmful components.

Limitation of liability

To the fullest extent permitted by law, Action2Day and anyone involved in creating or operating the Site will not be liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of money, savings, data or opportunity, arising out of or relating to your use of, or inability to use, the Site or any content on it, even if we have been advised of the possibility of such damages. Any decisions you make based on information on the Site are your own responsibility.

Some jurisdictions do not allow certain limitations of liability, so some of the limitations above may not apply to you. In that case, our liability is limited to the smallest amount permitted by law.

Indemnification

You agree to indemnify and hold harmless Action2Day from any claims, losses or expenses, including reasonable legal fees, arising from your misuse of the Site or your violation of these Terms.

Governing law

These Terms are governed by the laws of the United States and the applicable laws of the state in which Action2Day operates, without regard to conflict-of-law rules. If any part of these Terms is found to be unenforceable, the rest will remain in effect.

Changes to these terms

We may update these Terms from time to time. When we do, we will change the "Last updated" date at the top of this page. Continuing to use the Site after changes are posted means you accept the updated Terms.

Contact us

Questions about these Terms can be sent to info@action2day.com or through our contact page.