To access certain portions of our website and use its interactive features, you are required to become a member of Society of Grownups. You become a member by creating an online account on our website.
In order to create an online account, you will be required to provide certain information about yourself, including your email address. By creating an online account, you agree to receive all required notices, disclosures, and other communications electronically to that email address. It is your responsibility to promptly update your email address for your online account when it changes or as otherwise appropriate.
You agree that all information that you provide to establish an online account or in using any interactive features of the website is correct, current, and complete. You must keep confidential the credentials used to log into your online account on the website, and not disclose it to other persons. You acknowledge that your online account is personal to you and agree not to provide any other person with access to the Society of Grownups website or its interactive features using your credentials. You also agree to log off of our online account at the end of each session. You must notify us immediately at firstname.lastname@example.org of any unauthorized access to or use of your credentials or any other breach of security to your online account. Society of Grownups will not be liable for any loss or damage arising from your failure to comply with this paragraph.
We reserve the right to modify or discontinue access to your online account or certain interactive features of the website at any time and for any reason, without prior notice to you unless required by law.
By creating an online account on the Society of Grownups website, you gain access to an interactive feature that allows you to take a detailed look at your current financial picture by linking your accounts from different financial institutions (we call this our “account aggregation functionality”).
You have the option of deciding whether to use this functionality. If you do, you expressly authorize us to access and retrieve your account information from the third-party financial institutions you identify and add to the functionality. You grant us a limited power of attorney, and appoint us as your attorney-in-fact and agent, to access third-party sites and retrieve and use your information with the full power and authority to do and perform each thing necessary as you could do in person, but solely for purposes of retrieving and displaying the account information to you in connection with our account aggregation functionality. You acknowledge and agree that when we are accessing and retrieving account information from third-party financial institutions, we are acting as your agent, and not as the agent of or on behalf of the third-party financial institution. You understand that our account aggregation functionality is not endorsed or sponsored by any third-party financial institution accessible through the functionality.
We do not assume responsibility for the timeliness, accuracy, or non- delivery of any account information obtained from third-party financial institutions in connection with the account aggregation functionality.
While we use reasonable precautions to protect confidential information on our systems and provide suitable security, we cannot guarantee that information transmitted through the Internet is secure, or that such transmissions will be free from delay, interruption, interception, or error.
We cannot guarantee or warrant that any part of the website, including any links to third-party content, are free of viruses or other harmful code. It is your responsibility to take appropriate precautions, such as through the use of an anti-virus software package, to protect your computer hardware and software.
You may be able to access and browse our website and its interactive features through a compatible mobile device. In order to do so, you must have a wireless subscription with a participating carrier or have other network access. You are solely responsible for all service fees and charges from your carrier or network provider, as well as any necessary equipment or software requirements, associated with accessing our website and any of its interactive features through your mobile device.
Society of Grownups is registered as an investment adviser with the United States Securities and Exchange Commission. However, we are not providing investment advisory services to you through the content we provide on our website or its data aggregation functionality. Use of the website and its data aggregation functionality is free of charge.
We may refer you through our website to entities or websites that we do not own or operate. We do not control and are not responsible for these third parties, their content, or any financial or other products, services, or tools available through them.
The content provided on this website is solely for general information purposes. We do not guarantee the accuracy, completeness, or usefulness of this information to your own specific financial circumstances. Any reliance on this information is strictly at your own risk.
The content provided on this website is not written or intended as specific tax or legal advice, and may not be relied on for purposes of avoiding any Federal tax penalties. Society of Grownups does not give tax or legal advice. You are encouraged to seek advice about your specific circumstances from your own tax or legal professional.
Our website, along with all of its content and interactive features, is owned by Society of Grownups or licensed from third-party licensors, and is protected by copyright, trademark, or other intellectual property laws of the United States.
You can use the Society of Grownups website for your personal, non- commercial use only and may download or print a copy of the information contained on the website for lawful, personal, non- commercial use only.
Any copies of information from the website that you use for permissible purposes must retain all copyright and other proprietary notices contained on the materials. You also may link to content on our website, provided you do so in a way that is fair and legal, properly identifies the source of the content, does not damage our reputation, and does not create an impression of any form of affiliation, approval, or endorsement on our part. Otherwise, any other copying, republication, reproduction, or posting of graphics, text, or other content from the website is expressly prohibited without our prior written permission. You can request permission by contacting us at email@example.com.
Our website includes functionality that allows you and other users to post publicly viewable comments to and communicate about our content. In addition, we use Society of Grownups-branded social media pages, on sites such as Facebook, Twitter, and Instagram, to promote and share company developments, news, and other content. By posting comments and other content to our website’s message boards or on our social media pages, you represent and warrant that you own all rights, title, and interest in the content you post, or have express permission from the owner to copy and use such content for all purposes. We do not control and are not responsible for content posted by you or any other third party on our website’s message boards or on our social media pages and cannot guarantee the accuracy, integrity, quality, or appropriateness of any such content. Any content that you post is publicly accessible and is not subject to the provisions of our Privacy Notice.
By posting content to our website or social media pages, you grant Society of Grownups the worldwide, royalty-free, perpetual, nonexclusive, and irrevocable right and license to reproduce, display, distribute, adapt, and create derivative works from any such content for any purpose and in any medium. We exclusively own all rights, title, and interest in any derivative works created by or on behalf of us that incorporate or make use of content you post to our website or social media pages, and do not give you any further right to inspect or approve our use of such content or to be compensated for any such use.
We reserve the right at our sole discretion to monitor, refuse, or remove any content posted by you or any third party to our website’s message boards or social media pages for any reason, without notice.
We respect the copyright interests of others. It is our policy not to permit comments or other content posted by users of our website that is known by us to infringe another person’s copyright to remain on the website. If you believe that any comments or other content on the website infringe a copyright, you should provide us with written notice that, at a minimum contains:
All DMCA notices should be sent to our designated agent as follows:
It is our policy to terminate any online account of any user who repeatedly infringes the copyrights of others.
The following is a partial list of the types of content that are prohibited on our website and social media pages. You agree that you will not post any content that:
You agree that you will not:
Society of Grownups℠, Society of Grownups Logo℠, and all other related marks and service names are trademarks or service marks of Society of Grownups. MassMutual®, MassMutual Financial Group®, MassMutual Financial Group & design®, MassMutual Logo®, Massachusetts Mutual Life Insurance Company℠, and combinations of the foregoing, as well as “We’ll Help You Get There®”, are registered trademarks or service marks of our parent company, Massachusetts Mutual Life Insurance Company. All other trademarks, product names, company names, and company logos found in the website are the property of their respective owners.
The technology and content of this website are protected by trademark, copyright, or other intellectual property laws of the United States. Unauthorized use may violate trademark and other laws.
Except as prohibited or limited by law, your use of the website, any of its interactive features, and any of its content is at your own risk. All information presented through the website is furnished “as is” without any express or implied warranties of any kind, including without limitation, warranties of merchantability, fitness for a particular purpose, or non-infringement of intellectual property. We do not represent or warrant that the website, its interactive features, or its content is error free, will be uninterrupted, that defects will be corrected, and that the website is free of viruses or other harmful code.
In no event will Society of Grownups, our Board of Managers, officers, personnel, or our parent company or affiliates be liable for damages of any kind, under any legal theory, arising out of or in connection with your use or inability to use the Society of Grownups website or any of its interactive features or its content, even if foreseeable.
Our website is provided for use only by persons located in the United States. Society of Grownups is not soliciting business in international jurisdictions where it is not registered to do business. The website may not be appropriate or available for use outside of the United States, and access from certain locations may be unlawful. If you access the website from outside the United States, you do so on your own initiative, and are responsible for compliance with all applicable local laws.
You agree that any dispute about or involving the website or any of its interactive features or its content is governed by the laws of the Commonwealth of Massachusetts, without regard to its conflict of law provisions, and that the exclusive jurisdiction and venue for the resolution of any such dispute is the state or federal courts in the Commonwealth of Massachusetts in Hampden County.
Frugality can become part of your everyday routine. Don’t believe us? Check out tips on how to cut expenses from Mrs. Frugalwoods.