Terms & Conditions


Thank you for visiting our website. If you want to use this website, you must agree to conform to and be legally bound by the terms and conditions described below.


Terms & Conditions of Use

– Privacy Policy
– About the information we collect on you

Please read these terms and conditions fully before continuing.

NOTE: “our,” “we,” “us,” “author,” “publisher,” “publication,” “presenter,” “author,” “his,” etc. are all used interchangeably for Steve Diggs and/or any associated entity throughout this entire website.
Your usage of our website signifies your acceptance of all the following Terms and Conditions of Use; Legal Information, Explanations, Disclaimers, Privacy Issues, etc. If you are not willing to accept the following, please do not use this site. Please remember that the presenter/author holds a Christian worldview and that his concepts, ideas, materials and/or teachings herein are based upon his understanding of the Bible. Accordingly financial, educational, personal health, life-skills and all other comments and material are based on his Christian worldview and may, or may not, always coincide with what is most prudent and/or practical in strict financial, personal, professional, relational, life-skill, and/or other terms.

Copyright © 2015 by Steve Diggs All rights reserved. No part of this work may be reproduced or transmitted, in part or in whole, in any form or by any means, printed or mechanical or electronic or otherwise, including photocopying, recordings, file sharing, or by any information storage and/or retrieval system, without written permission from the publisher and author.

NOTE: Read thoroughly before usage of website. Some points have headings. Others do not have headings, in part, because they may include multiple points.

1) DISCLAIMERS AND LIMITATIONS OF LIABILITY. The information on our website is provided on an ”as is,” ”as available” basis. You agree that your use of our website is at your sole risk. We disclaim all warranties of any kind, including but not limited to, any express warranties, statutory warranties, and any implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that our website will always be available, access will be uninterrupted, be error free, meet your requirements, or that any defects in our website will be corrected. Information on our website should not necessarily be relied upon and should not to be construed to be professional advice from us. We do not guarantee the accuracy or completeness of any of the information provided, and are not responsible for any loss resulting from your reliance on such information.

If your jurisdiction does not allow limitations on warranties, this limitation may not apply to you. Your sole and exclusive remedy relating to your use of the site shall be to discontinue using the site.

Under no circumstances will we be liable or responsible for any direct, indirect, incidental, consequential (including damages from loss of business, lost profits, litigation, or the like), special, exemplary, punitive, or other damages, under any legal theory, arising out of or in any way relating to our website, your website use, or the content, even if advised of the possibility of such damages.

Our total liability for any claim arising out of or relating to our website shall not exceed one hundred ($100) dollars and that amount shall be in lieu of all other remedies which you may have against us or our affiliates. Any such claim shall be subject to confidential binding arbitration as described later in these terms and conditions of use.

2) We reserve the right to revamp, change, revise, modify, add, or subtract whatever portions of these Term & Conditions; Legal Info, Explanations, Disclaimers, etc; or other parts of this website whenever we deem appropriate. You are encouraged to check this section as well as other sections of this website regularly for such changes, revisions, etc. If you use this website after such changes are made, you accept the changed terms. We reserve the express right to monitor all usage of this site. If such changes are made, they will be effective immediately. If you disagree with the changes that have been made, you should not use our website.
We may terminate these terms and conditions of use for any reason and at any time without notice to you.
If you are concerned about these terms and conditions of use, you should read them each time before you use our website. Any questions or concerns should be brought to our attention by sending us an email, and providing us with information relating to your concern.

3) This website is designed to provide accurate and authoritative information with regard to the subject matter covered. It is sold and/or provided with the understanding that we are not engaged in rendering financial, accounting, legal, life-skill, counseling, psychological, health or other professional advice. If such advice or professional help is required, you should seek the services of competent professional(s). This material is presented broadly and may not always apply to your situation. Material herein is believed to be accurate, but mistakes can be made. Always confirm for yourself before acting upon anything herein. Material herein is presented simply for your consideration. Subject matter is general in nature and not intended to be exhaustive — simply part of your broader study program. In some instances names and details have been modified to respect identities. Hyperbole is used to emphasize points, not to be taken literally. Author/publisher specifically disclaim any risk, loss, or liability that may be incurred by application/usage of any material herein. Other materials may be helpful in giving you a broader, timelier, more accurate, and/or balanced understanding. (Developed from a declaration of Principles jointly adopted by a Committee of the American Bar Association and Committee of Publishers and Associations.) Steve Diggs and/or any other involved entity specifically disclaim any risk, loss or liability that may be incurred as a consequence, whether direct or indirect, of the application and/or usage of any of this material.

4) Please remember that everything at this site is simply for your consideration. These are only ideas for your review—thought sparklers, if you will. The material is general in nature and is not intended to be an exhaustive presentation on the topics covered. It should be read simply as a part of a broader study program. Other materials on these same topics may be beneficial in giving the reader a more informed, accurate, timely, and balanced understanding. In many cases the materials herein may give the pros or the cons of an issue or concept without fully discussing the other side of the issue. Our hope is to inspire you and help you catch a vision. We’re not suggesting that any given idea is going to be right for everyone. We all have different circumstances, priorities, and philosophies. Feel free to review and ponder these concepts. Then accept, modify, or reject them as you see fit.

5) In the various examples, case studies, and stories throughout this site we have often changed names and modified some details, names and quoted remarks to protect privacy and clarify some of the points being made.

6) LICENSEE STATUS. You understand and agree that your use of our website is limited and non-exclusive as a revocable licensee. We may terminate your license to use our website, and access to our website, for any reason, and without giving you notice.

7) CONTENT OWNERSHIP. All content on our website is owned by us or our content suppliers. On behalf of ourselves and our content suppliers, we claim all property rights, including intellectual property rights, for this content and you are not allowed to infringe upon those rights. We will prosecute to the fullest extent of the law anyone who attempts to steal our property. You agree not to copy content from our website without our permission. Any requests to use our content should be submitted to us by email.

If you believe that your intellectual property rights have been infringed upon by our website content, please notify us by sending us an email or by sending mail to us at the address listed below. Please describe in detail the alleged infringement, including the factual and legal basis for your claim of ownership.

8) INDEMNIFICATION. You understand and agree that you will indemnify, defend and hold us and our affiliates harmless from any liability, loss, claim and expense, including reasonable attorney’s fees, arising from your use of our website or your violation of these terms and conditions.

9) COMPLIANCE WITH GOVERNING LAW AND DISPUTE RESOLUTION. You agree to obey all applicable laws while using our website. You agree that the laws of Tennessee govern these terms and conditions of use without regard to conflicts of laws provisions.

You also agree that any dispute between you and us, excluding any intellectual property right infringement claims we pursue against you, shall be settled by our choice of either litigation or confidential binding arbitration per the American Arbitration Association commercial arbitration rules. All claims must arbitrated on an individual basis, and cannot be consolidated in any arbitration with any claim or controversy of anyone else. All arbitration must occur in Davidson County, Tennessee, USA. Each party shall bear one half of the arbitration fees and costs incurred, and each party is responsible for its own lawyer fees.

10) SEVERABILITY OF THESE TERMS AND CONDITIONS. If any part of these terms and conditions of use are determined by a court of competent jurisdiction to be invalid or unenforceable, that part shall be limited or eliminated to the minimum extent necessary so that the remainder of these terms and conditions are fully enforceable and legally binding.

11) HOW TO CONTACT US.Any questions or concerns about these terms and conditions of use should be brought to our attention by email at steve@stevediggs.com , and providing us with information relating to your concern. You may also mail your concerns to us at the following address:
Steve Diggs 5621 Cloverland Drive Brentwood, TN 37027

12) We do not provide services or sell products to children. If you are below the age of 18, you may use our website only with the permission and active involvement of a parent or legal guardian. If you are a minor, please do not provide us or other website visitors with any personal information.


Our Privacy Policy is part of, and subject to, these terms and conditions of use. You may view our privacy policy at the bottom of this page.

14) If financial, legal, tax, investing, securities, accounting, medical, relational and/or other professional and/or expert assistance/advice is needed; the services of a competent professional should be sought. You are urged not to act upon anything within this site or other material without the advice of a competent professional and/or expert who is also familiar with your individual needs and circumstances.

15) The information contained herein has been obtained from sources believed to be reliable, yet while every reasonable effort has been made to insure the accuracy of all numbers, interpretations, calculations, data, on-line tools, on-line calculators and/or other information at the time of production, be aware that mistakes are sometimes made and changes occur. Accordingly, we cannot guarantee accuracy, timeliness, or completeness. The accuracy, completeness, and applicability to your circumstances, are not guaranteed or assured. Various assumptions (for calculations, life situations, other data, and a host of other things that may not be duplicated in your situation) were made throughout the work that probably would not be fully duplicated in your situation—thus probably changing your results. Always recalculate and confirm the accuracy and applicability for your own purposes. In some cases we have depended on various third parties for stats, calculations and advice that we cannot guarantee.

16) Information herein is simply for use as a comparative tool to give you a point of reference. As always, review all your investments and/or life choices periodically. Further, we cannot assure the accuracy or assume responsibility for statements, figures, facts, or other data at this site including, but not limited to, typographical errors, omissions, etc., regarding financial, legal, tax, investing, accounting, securities, and other related matters.

17) Examples are hypothetical and are only for illustrative purposes and should not to be used or construed as recommendations. No warranties are made regarding the results obtained from use of any material herein. There is no guarantee to the suitability or potential value of any particular investment or information source. Past performance does not guarantee future outcomes and/or results. There is no assurance that your investments and/or other life-decisions will have similar returns/results. Yours could be more, or very possibly less…better or worse. Nothing herein constitutes the solicitation for the purchase or sale of any security or other financial product. Never purchase an investment or make a life decision without first carefully reading all available information (i.e., the prospectus, reports, other view points, etc.) and getting competent professional help.

18) In certain places we may discuss various market indexes. The performance of an index is not an exact representation of any particular investment, as you cannot invest directly in an index. Stocks of small- and mid-cap companies often fluctuate more than those of large companies. Emerging markets and foreign stocks are frequently more risky than major U.S. stocks. All references, assumptions, data, and other content herein is applicable to the United States of America, and may not hold true or be applicable elsewhere.

19) Please do not copy or in any other way distribute our material without written prior written permission. If you do so you are violating our copyright. However, an individual may bookmark or point to any page within our website provided it is solely for personal use.

20) We are in no way responsible for the content of any site owned by a third party that may be linked or referred to at this website via hyperlink or otherwise, whether such link is provided by us or by a third party. Accordingly, we make no warranty or judgment with respect to the accuracy, timeliness, or suitability of the content of any such site. And we accept no responsibility for such. Nothing at this site is an endorsement or a recommendation.

21) While thought to be accurate, we cannot assure the accuracy, timeliness, correctness, or suitability of any third party information and/or data. Accordingly, we are not responsible for any data at this site provided by a third party. Such third party data includes (but is not limited to) calculators, on-line tools, references, quotes, statistics, suggestions, interpretations, etc.

22) We make no warranty, guarantee, implication, and/or promise that these materials are free of bugs, cookies, viruses, spam, etc. that may in any way cause theft, disruption, damage, loss of income, or any other adverse outcome for your computer, other devices, or life. By using our website you agree that you will in no way hold us in any way responsible and/or liable for such situations.

23) OBSCENE AND OFFENSIVE CONTENT. We are not responsible for any obscene or offensive content that you receive or view from others while using our website. However, if you do receive or view such content, please contact us by email so that we can investigate the matter. Although we are not obligated to do so, we reserve the right to monitor, investigate, and remove obscene or offensive material posted to our website.

24) LOGOS and ORGANIZATIONAL NAMES that appear are the copyrighted property of those organizations and do not imply any endorsement from (or, of) those organizations.\

25) Scriptures us may be from New Living Translation © Tyndale Publishers, Inc.,Wheaton, IL.NKJV © Thomas Nelson, Inc. NASB © The Lockman Foundation. MSG © NavPress Publishing Group. NIV © IBS &/or Zondervan Publishing House/Biblica. All used by permission. All rights reserved.

26) There are no implied or expressed warranties on the materials in this site; the materials are provided “as is.” We disclaim, to the absolute fullest extent that law allows, any type of warranty, guarantee, claim, promise, etc. whether it is expressed or implied, as to any matter relating to this service. This includes, but is not limited to, warranties of merchantability, fitness for a particular purpose, and noninfringement. Use of this service is at your own risk. Material is not warranted to be uninterrupted, error-free, defect-free, or that this website (or servers that make it available) free of harmful components or viruses. You assume all responsibility for usage of any material at this site, other referenced site, and/or information provider (including but not limited to books, magazines, television/radio, websites, social media, blogs, etc.) By using this site, you accept and assume the entire cost from any loss, correction, repair, servicing, etc. of your property (whatever that may be including, but not limited to, your finances, computer, etc.) No warranty implied or otherwise is extended.

27) Unless otherwise clearly specified, all material at this site is to be construed based on the laws, finances, money, currency, math, calculations, customs, understandings, mores, etc. of Tennessee in the United States of America. If you decide to access this site from other location(s), you do so on your own initiative, and by so doing you are responsible for compliance with any applicable local laws.

28) Regarding Integration and Severability, understand that if any provision of these Terms & Conditions of Use and Legal/Explanations/Disclaimers is deemed unlawful, void, or for any other reason unenforceable, then that provision will be deemed severable from these terms and will not affect the validity and enforceability of the remaining provisions. This represents and is our entire agreement.

29) ENTIRE AGREEMENT. These terms and conditions, including the policies incorporated herein by express reference, constitutes your entire agreement with us with respect to your use of our website.