Last updated: August 20, 2026. These terms are a plain-English site license, not a full commercial contract and not legal advice.
The site
US Money, Explained (working title) publishes general information about US consumer money systems. By reading the public pages you agree to use them as educational material only.
No professional relationship
Nothing on the site is a solicitation, an offer to buy or sell securities, tax representation, or legal counsel. Reading an article does not make Halo, any writer, or any tool used in production your adviser, broker, CPA, or attorney.
No warranty
Pages are provided as-is. We try to describe mechanisms accurately and to date-stamp numbers that move, but we do not warrant completeness, fitness for a particular purpose, or that a rule still reads the same way at the IRS, your bank, or your state.
Your responsibility
If a decision would move your money, compare the page to a primary source and consider a qualified professional who can use your facts. Hypothetical examples are not your facts.
Intellectual property
Unless a page says otherwise, text is written for this site. You may quote short excerpts with a link for commentary, research, or personal notes. Do not scrape, bulk-republish, or train a public model on the corpus as if it were yours. Official government sources we point to remain under their own terms.
Acceptable use
Do not attack, scrape in a way that degrades the host, plant malware, or misrepresent yourself as the publisher.
Liability
To the extent the law allows, the publisher is not liable for losses you incur from using or not using the information here. Some jurisdictions do not allow certain limitations; those limits apply only as far as they lawfully can.
Changes and contact
We may update these terms. The date above is the marker. Contact details, when they exist, are on the Contact page.