simple finance for an extraordinary life


Terms of Use

Use of:  / “Financially Balanced”

This policy is valid from 9th February 2017.

While we are excited that you have decided to take the steps necessary to find your financial balance and begin your journey to financial freedom, it is understood that the reading of all information on this site ( is of your own choice and free will. If you do not accept these Terms and Conditions, we kindly ask that you stop reading this site immediately. I, Chad Janusa, author of this site(, reserve the right to change any of these Terms and Conditions at any given time.

While I strive to provide you with up-to-date information, I make no representations or warranties of any kind (expressed or implied) about the completeness, accuracy, reliability, suitability or availability of any information, products, services or related graphics contained on for any purpose.

As it relates to prices, interest rates, timelines, or any other specific information found on this site, I advise you to always conduct your own due diligence, and always double check for accuracy.

In addition, while I aim to provide you with accurate information, it is understood that the information on may become outdated, stale and/or less accurate as time passes. Should you find any inaccurate information, please do not hesitate to contact me at (chad at financiallybalanced dot com)

Copyright Policy

Unless otherwise noted, I, Chad Janusa, the author of am the legal copyright holder of all (written, multimedia and graphic) material on this website and it may not be used, reprinted, (partially) modified or published without my written consent. A link to must appear in all copies of any original artwork or content, including articles and press releases.

Guest bloggers and other contributors to are responsible for their own submitted material on my website. The opinions expressed by any Third Parties are their own and do not represent the position or belief of or its author(s).

I am also not responsible for comments made by others on this blog.

Hold Harmless

All material and information found on is for educational and general informational purposes only and the ideas, views, and opinions found on this site are all personal opinions of the author(s). None of the material on this site should be consumed as or considered to be financial advice and should not take the place of consulting with a licensed and/or certified tax, legal, or financial advisor or planner. To determine which investments(s) or financial services are most appropriate for you, always consult your financial advisor prior to investing.

While I personally use many of the methods and techniques mentioned on this site, I am not providing any financial, legal, tax, or professional advice of any kind. Please be advised you are taking all information provided on this site at your own risk.

Under no circumstances will I be liable for any loss or damage (including without limitation indirect or consequential loss or damage) or any loss or damage whatsoever arising from loss of data or profits arising out of or in connection with the use of this website.

Although I try to keep running 24 hours a day, 365 days a year, access to the site may be temporarily or permanently suspended and without notice at my own discretion, due to possible updates or technical issues beyond my control. I will not be liable if for any reason the website is unavailable at any time or for any period of time. All efforts will be made to restore access to the site as soon as immediately possible should it be unavailable for any reason.

Privacy Statement

Any personal and/or contact information provided to me will be kept private. You will not be spammed in any way and I will not sell or disclose your information to any other companies.

I am not responsible for the privacy practices of any of my advertisers or blog commenters.

Reserve Rights

I, Chad Janusa, the author of, reserve the right to change the focus of the blog, to shut it down, sell it, or change the terms of use at my own discretion.

I also reserve the rights to edit or delete any comments submitted to without notice due to: comments deemed to be spam or questionable spam, comments including profanity, comments containing language or concepts that could be deemed offensive, comments that attack a group or person individually, or just any comments in general that I do not feel are appropriate for the site.

Advertisers and Sponsors

I am not responsible for the actions of my advertisers or sponsors. If you purchase a product or service based upon a link from my website, you must take action with that company to resolve any issues, not or any of its author(s).

Any product, claim, statistic, quote or other representation about a product or service should be verified with the manufacturer, provider or party in question.

To help grow this website, and to cover operating costs, the site at times may offer advertising and affiliate links. Affiliate links earn me a small commission on any purchases made when visiting an affiliate’s site. I will do my absolute best to only provide you with information about products that I truly believe in. I will never take your trust for granted. All reviews on my website will be presented honestly and I will disclose whether I will be receiving any commissions or products for free.

We are also a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for us to earn fees by linking to and affiliated sites.

Letters to the Editor

Any letters, e-mails, blog comments, responses on Social Media platforms such as Facebook, Pinterest, Instagram and Twitter, or questions written directly to me may be used to share with my blogging audience unless specifically requested otherwise. (Part of) these letters or emails, questions or any other feedback may be used in newsletters, blog posts, columns or up-and-coming books.