Disclaimers

Everdend Disclaimer

Last Updated: May 1, 2025

This Disclaimer for Everdend.com ("we," "us," or "our") outlines important information regarding the nature of our content and our affiliate relationships. Please read this Disclaimer carefully before using our website at https://everdend.com (the "Site") or engaging with our Services, which include educational and informational content on dividend investing, budgeting, debt consolidation, and gold investing. By using our Site, you acknowledge and agree to the terms of this Disclaimer.

This Disclaimer is divided into two sections:

• Financial Information Disclaimer: Clarifies that Everdend is not a licensed financial advisor and provides general educational content only, in compliance with SEC, FINRA, FTC, GDPR, and CCPA regulations.
• Affiliate Disclosure: Details our affiliate relationships and how we earn commissions, in compliance with FTC guidelines.

If you have any questions about this Disclaimer, please contact us at admin@everdend.com.

1. Financial Information Disclaimer

Purpose and Scope

Everdend.com provides general information and educational content about dividend investing, budgeting, debt consolidation, and gold investing for informational purposes only. This content is intended to help users explore financial concepts and strategies but does not constitute financial, investment, legal, or professional advice. We are not licensed financial advisors, registered investment advisors, brokers, or dealers, and no one at Everdend or directly associated with Everdend holds such credentials.

No Personalized Financial Advice

The information on our Site, including but not limited to articles, guides, and resources, is general in nature and not tailored to your individual financial situation, objectives, or needs. We use terms like “explore” or “consider” to emphasize that our content is educational and not a recommendation to buy, sell, or hold any securities, financial products, or investments. You should not rely on our content as the güzel, because here we are talking about a couple of things that are really important to understand when it comes to investing and financial advice. You should not rely on our content as the sole basis for making financial decisions.

Consult a Professional

Before making any investment, budgeting, debt consolidation, or gold investing decisions, we strongly encourage you to consult with a licensed financial advisor, certified financial planner, or other qualified professional who can provide personalized advice based on your specific circumstances. Everdend is not responsible for any actions taken, or losses incurred, as a result of relying on the information provided on our Site.

Regulatory Compliance

SEC/FINRA Compliance: As a non-registered entity, Everdend adheres to U.S. Securities and Exchange Commission (SEC) and Financial Industry Regulatory Authority (FINRA) guidelines by clearly stating that our content is not investment advice. We avoid making specific investment recommendations or projections of returns, and we include disclaimers on every page to reinforce this position.

FTC Compliance: Our content is designed to be transparent and educational, with clear disclosures about our affiliate relationships (see Section 2 below) to comply with Federal Trade Commission (FTC) guidelines.

GDPR Compliance: For users in the European Economic Area (EEA) or United Kingdom (UK), our minimal data collection (e.g., IP addresses via Google Analytics and Short.io) is processed lawfully under the General Data Protection Regulation (GDPR). We do not collect personal financial data, and our Privacy Policy details your rights to access, correct, or delete data.

CCPA Compliance: For California residents, we comply with the California Consumer Privacy Act (CCPA) by not collecting or selling personal financial information. You have the right to know, access, or delete any personal data we collect (e.g., IP addresses), as outlined in our Privacy Policy.

Risk Acknowledgment

Investing in stocks, ETFs, precious metals, or other financial products involves significant risks, including the potential loss of principal. Budgeting and debt consolidation strategies may not be suitable for all individuals, and gold investing carries unique risks, such as market volatility. Past performance of any investment or strategy is not indicative of future results. Everdend does not guarantee the accuracy, completeness, or timeliness of the information on our Site, and we are not liable for any errors, omissions, or outcomes resulting from its use.

Third-Party Content

Our Site may reference third-party platforms, services, or data sources (e.g., Yahoo Finance, NerdWallet, Kitco) for educational purposes. These references do not imply endorsement, and Everdend is not responsible for the accuracy or reliability of third-party information. Always verify information with primary sources or professional advisors.

Everdend’s content is designed to educate, not advise. Always consult a professional before making financial decisions.

2. Affiliate Disclosure

Nature of Affiliate Relationships

Everdend.com participates in affiliate marketing programs, which means we may earn commissions when you click on certain links to products or services on our Site and complete a qualifying action (e.g., signing up for a brokerage account, subscribing to a budgeting tool, applying for debt consolidation, or inquiring about gold investing). These links are affiliate links, and the commissions are paid by the retailers or service providers at no additional cost to you.

Affiliate Partners

We promote trusted platforms and services that align with our educational mission, including but not limited to:

• Dividend Investing: Brokerages and investment platforms such as Robinhood, Vanguard, Schwab, and M1 Finance.
• Budgeting: Tools like Rocket Money and Acorns.
• Debt Consolidation: Services like National Debt Relief and SoFi.
• Gold Investing: Companies like Augusta Precious Metals, Goldco, and Birch Gold Group.

These affiliate relationships are managed through reputable affiliate networks (e.g., Impact, CJ Affiliate, PartnerStack). We only recommend products or services we believe are valuable to our audience based on our research and expertise. Any commission we receive comes at no additional cost to you.

FTC Compliance

In accordance with FTC guidelines, we disclose that:

• Clicking an affiliate link and completing a qualifying action (e.g., account sign-up, purchase) may result in Everdend earning a commission.
• The commission does not increase the cost of the product or service to you.
• Our editorial content is independent and not influenced by affiliate partnerships. We strive to provide objective, educational information, and our recommendations are based on our evaluation of the products or services, not solely on potential commissions.
• Affiliate links are clearly identified with disclosures on every page (e.g., “We earn commissions at no cost to you”) to ensure transparency.

How Affiliate Links Work

When you click an affiliate link (e.g., go.everdend.com/robinhood), a tracking cookie or similar technology (managed by Short.io or the affiliate network) is placed on your device to record the referral. If you complete a qualifying action within a specified time frame (e.g., 30 days), the affiliate partner attributes the action to Everdend, and we receive a commission. These cookies collect minimal, anonymized data (e.g., click counts, referring URLs) and do not include personal financial information. For details, see our Privacy Policy.

Commitment to Trust

Our mission is to empower users with educational content about passive income and financial discipline. We carefully select affiliate partners that align with this mission and provide value to our audience. However, we encourage you to conduct your own research and consult with professionals before engaging with any promoted products or services. Everdend is not responsible for the performance, terms, or outcomes of third-party products or services.