US Treasury par yield curve · Jul 15 · Source: U.S. Treasury
Wednesday, July 15, 2026
U.S. Edition
MONEY & WORLD
Subscribe

Terms of Service

Effective date: July 15, 2026 Last updated: July 15, 2026

Money & World is published by Creative Corner Agency LLC, a Florida limited liability company based in Naples, Florida. In these terms, "we", "us", and "our" mean Creative Corner Agency LLC. "You" means you, the person reading or using the site at moneyandworld.com.

These terms are a contract between you and us. We have tried to write them in plain English, because a publication built on honesty should not hide behind language nobody can read. If something here is unclear, write to us at legal@moneyandworld.com and we will explain it.

1. Accepting these terms

By visiting moneyandworld.com, reading our articles, signing up for our newsletter, or sending us anything, you agree to these terms. If you do not agree, please do not use the site.

If you use the site on behalf of a company or another organization, you are confirming that you have the authority to accept these terms for that organization.

You must be at least 13 years old to use this site. See our Privacy Policy for more on how we treat children's data.

2. Our content is journalism, not advice

This is the most important section on this page. Please read it.

Money & World publishes news briefs and original analysis about tax, accounting, finance, economics, world affairs, technology, personal finance, and small business. Everything we publish is general information for a general audience.

Nothing on this site is investment advice, tax advice, legal advice, accounting advice, or financial advice. We are a news publication. We are not your financial advisor, your investment advisor, your tax preparer, your accountant, your broker, or your attorney. Reading our work does not create any advisory relationship, any professional relationship, or any fiduciary duty between you and us.

Specifically:

  • We do not know your situation. Our articles are written for everyone, which means they are written for nobody in particular. Your income, your tax position, your risk tolerance, your state, your family, and your goals all change the right answer, and we know none of them.
  • We do not recommend securities. If we write about a company, a stock, a fund, a bond, a cryptocurrency, or any other asset, that is reporting or analysis. It is not a recommendation to buy, sell, or hold anything.
  • Tax law changes, and it varies. Tax rules change by year, by state, and by circumstance. An article that was accurate when we published it may be out of date by the time you read it.
  • Do not act on our work alone. Before you make a financial, tax, legal, or investment decision, talk to a qualified professional who is licensed in your jurisdiction and who knows your facts.

Any decision you make after reading Money & World is your decision, and the results of that decision are yours.

3. Accuracy and corrections

We work hard to get things right, and we correct our mistakes openly. If you find an error, please tell us at corrections@moneyandworld.com.

That said, we do not promise that everything on the site is accurate, complete, or current at any given moment. News moves. Sources are sometimes wrong. We publish in good faith and fix what we get wrong.

4. Our intellectual property

Everything we publish on Money & World is ours or is used with permission. That includes the articles, the analysis, the headlines, the photographs and illustrations we create, the charts and graphics, the newsletter "The Ledger", the Money & World name and logo, the site design, and the code that runs the site. All of it is protected by copyright, trademark, and other laws.

What you may do without asking us:

  • Read the site.
  • Share links to our articles anywhere you like.
  • Quote a short excerpt from an article for commentary, criticism, teaching, or news reporting, with clear attribution to Money & World and a link back to the original article.
  • Print or save a copy of an article for your own personal, non-commercial use.

What you may not do without written permission from us:

  • Republish, syndicate, or post a full article somewhere else.
  • Use our work to train, fine-tune, or ground an artificial intelligence or machine learning model, or scrape the site for that purpose.
  • Sell, license, or redistribute our content.
  • Use our name, logo, or branding in a way that suggests we endorse you, your product, or your point of view.
  • Systematically crawl, scrape, or copy the site with automated tools.
  • Remove or hide bylines, credits, or copyright notices.
  • Alter an article and present the result as our work.

If you want to license or reprint our work, write to rights@moneyandworld.com. We are reasonable people and we do say yes.

5. Using the site fairly

Please do not do things that break the site or harm other readers. That means no attempts to gain unauthorized access to our systems, no interference with the site's operation, no security probing without our written permission, no uploading of malicious code, and no use of the site for anything unlawful.

We may block access, suspend service, or remove content at our discretion if we believe someone is abusing the site.

6. Links to other sites

We link to other websites constantly, because that is what honest journalism does. When we tell you something, we want you to be able to check the primary source yourself.

A link is not an endorsement. We do not control the sites we link to, we do not vet their content, their accuracy, their privacy practices, or their security, and we are not responsible for them. When you follow a link away from moneyandworld.com, the other site's terms and privacy policy apply, not ours.

7. What you send us

We want to hear from you. You can send us news tips, letters to the editor, corrections, documents, story ideas, and feedback. We read what comes in.

The license you give us. When you send us anything that is not clearly marked confidential or off the record, you give us a non-exclusive, worldwide, royalty-free, perpetual, irrevocable, sublicensable license to use, reproduce, edit, adapt, publish, translate, distribute, and display that material, in any medium, in connection with Money & World and its promotion. We do not have to pay you for it, and we do not have to publish it.

What that means in practice. If you write us a letter to the editor, we may print it. We may edit it for length, clarity, or style. We may put your name and city on it. If you would rather we did not use your name, say so clearly when you write, and we will honor that or we will not publish the letter at all.

Confidential tips. If you are sending a sensitive tip and you want to talk about how it will be handled before you send it, contact editor@moneyandworld.com first and say so. Please do not assume email is secure.

Your promises about what you send. When you send us something, you are telling us that you have the right to send it, that it is yours to give or you have permission to share it, that it does not violate anyone else's copyright, privacy, or other rights, and that it is not defamatory or unlawful.

We do not want unsolicited business ideas. Please do not send us confidential business plans, product pitches, or trade secrets. If you do, we will treat them as non-confidential.

8. Newsletter and future subscriptions

"The Ledger" is our newsletter. Signing up is free today. You can unsubscribe from any email we send, using the link in that email.

We may add reader accounts, sign-in, or paid subscriptions in the future. If we do, we will publish separate subscription terms covering pricing, billing, renewal, and cancellation, and those terms will apply to that product in addition to these terms. Nothing here creates a paid subscription today, and nothing here obligates us to launch one.

9. Advertising

Money & World does not carry paid advertising today. We may in the future.

If we do, we will label advertising and sponsored content clearly and distinctly from our journalism. Advertisers do not get to review, approve, or influence our editorial coverage. If we ever run sponsored content, it will say so plainly. For advertising inquiries, write to advertising@moneyandworld.com.

10. No warranties

We provide the site "as is" and "as available".

To the fullest extent the law allows, we disclaim all warranties, whether express, implied, or statutory. That includes any implied warranty of merchantability, fitness for a particular purpose, title, non-infringement, and accuracy.

We do not warrant that the site will be uninterrupted, secure, timely, or error free, that defects will be corrected, that the site is free of viruses or other harmful components, or that the content is accurate, complete, reliable, or current.

Some states do not allow the exclusion of certain warranties. If you live in one of those states, some of the exclusions above may not apply to you, and you may have rights that these terms cannot take away.

11. Limitation of liability

To the fullest extent the law allows:

We are not liable to you for any indirect, incidental, special, consequential, exemplary, or punitive damages. That includes lost profits, lost revenue, lost data, lost business opportunity, investment losses, tax penalties, and damage to reputation, whether or not we were told such damages were possible, and regardless of the legal theory.

Investment and tax losses specifically. We are not liable for any financial loss, investment loss, tax liability, tax penalty, interest, or missed opportunity arising from any action you took or did not take after reading Money & World. Please see Section 2 again. We are a newspaper, not an advisor.

The cap. Our total liability to you for all claims relating to the site or these terms will not exceed the greater of one hundred United States dollars ($100) or the total amount you actually paid us in the twelve months before the claim arose.

Some states do not allow the exclusion or limitation of incidental or consequential damages. If you live in one of those states, some of the limits above may not apply to you.

Nothing in these terms limits liability for fraud, for fraudulent misrepresentation, or for anything else that cannot be limited under applicable law.

12. Indemnification

You agree to defend, indemnify, and hold harmless Creative Corner Agency LLC and its members, managers, officers, employees, contributors, and agents from any claim, demand, loss, liability, damage, cost, or expense, including reasonable attorneys' fees, arising out of or related to:

  • Your use of the site.
  • Your violation of these terms.
  • Anything you send us, including any claim that it infringes someone's rights or is unlawful.
  • Your violation of any law or of anyone else's rights.

We may take over the defense of any matter you are indemnifying us for, at your expense, and you agree to cooperate with us if we do. You will not settle any matter that affects us without our written consent.

13. Changes to these terms

We may change these terms. When we do, we will update the "Last updated" date at the top of this page. If a change is significant, we will make a reasonable effort to flag it, for example in the newsletter or with a notice on the site.

Changes take effect when we post them. If you keep using the site after that, you are accepting the new terms. If you do not accept them, stop using the site.

14. Changes to the site

We may change, suspend, or discontinue any part of the site at any time, including unpublishing or archiving content. We may do this without notice. We are not liable to you or to anyone else for doing it.

15. Governing law and where disputes are heard

These terms are governed by the laws of the State of Florida, without regard to its conflict of laws rules.

Any dispute arising out of or relating to these terms or the site will be brought exclusively in the state or federal courts located in Collier County, Florida. You and we each consent to the personal jurisdiction of those courts and waive any objection based on venue or inconvenient forum.

If you are a consumer living outside the United States, this section does not take away any right you have to bring a claim in your home courts under the mandatory law of your country.

16. Other legal terms

Severability. If a court decides any part of these terms cannot be enforced, that part is removed and the rest still applies.

No waiver. If we do not enforce a right under these terms right away, that does not mean we have given it up.

Entire agreement. These terms, together with our Privacy Policy and Cookie Policy, are the whole agreement between you and us about the site. They replace anything said or written before.

Assignment. You may not transfer your rights under these terms to anyone else. We may transfer ours, for example if the business is sold or reorganized.

Survival. Sections 2, 4, 7, 10, 11, 12, 15, and 16 survive after you stop using the site.

Force majeure. We are not liable for delays or failures caused by things outside our reasonable control.

Headings. The headings in these terms are there to help you find things. They do not change the meaning of the text.

17. Copyright complaints

If you believe something on Money & World infringes your copyright, send a notice to legal@moneyandworld.com that includes:

  1. Your physical or electronic signature.
  2. Identification of the work you say is infringed.
  3. The URL of the material you want removed, specific enough that we can find it.
  4. Your contact information.
  5. A statement that you believe in good faith that the use is not authorized by the copyright owner, its agent, or the law.
  6. A statement, under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or authorized to act for the owner.

Please note that filing a knowingly false claim of infringement can carry liability under 17 U.S.C. § 512(f).

18. Contact us

What you need Where to write
Editorial, news tips, letters editor@moneyandworld.com
Corrections corrections@moneyandworld.com
Reprints, licensing, permissions rights@moneyandworld.com
Advertising advertising@moneyandworld.com
Privacy privacy@moneyandworld.com
Legal notices, these terms legal@moneyandworld.com
Anything else contact@moneyandworld.com

Money & World Creative Corner Agency LLC Naples, Florida, United States

Email is the way to reach us. We do not publish a phone number or a mailing address.