Blog Terms and Conditions


Widowed Community, LLC (formerly Widowed Community Education & Support Services, Inc) operates and maintains a website at and/or which contains, among other things, the Widowed Community Financial Blog (“Blog”), all collectively referred to as “Widowed Community & The Blog” unless referenced individually in the Terms and Conditions.

Widowed Community & The Blog require that all visitors to this website adhere to the following Terms and Conditions. By accessing this website and any of its pages or Materials, you indicate your acknowledgement and acceptance of the Terms and Conditions set forth below without limitation or qualification.

Widowed Community & The Blog may revise these Terms and Conditions at any time by updating this posting, which revisions will be binding upon all visitors to this website. You should therefore visit this posting to review these Terms and Conditions from time to time as you visit this website. For purposes of these Terms and Conditions references to Widowed Community or the Blog include its operators.

These Terms and Conditions of use shall be governed by and construed in accordance with the laws of the United States of America and the state of Arizona, without giving effect to any choice of law or conflict of law provision or rule (whether of the state of Arizona or any other jurisdiction) that would cause the application of the laws of any jurisdiction other than the United States or the state of Arizona.

Privacy Policy

Within this website no account or personal information is obtained for storage other than information you provide. This information is used only to provide you with the information or Materials that you specifically request or access.

The information Widowed Community & The Blog collects is used to improve the content of our website, used to notify visitors about updates to our website, shared with agents, contractors and third-party vendors who assist in providing operational support and used by us to contact visitors for marketing purposes, but not shared with other organizations for commercial purposes.

Any information we collect is disclosed when legally required to do so, at the request of governmental authorities conducting an investigation, to verify or enforce compliance with the policies governing our website and applicable laws or to protect against misuse or unauthorized use of our website.

As with most other websites, we collect and use the data contained in log files. The information in the log files includes your IP (internet protocol) address, ISP (internet service provider, such as AOL or Cox Cable), the browser used to visit our website (such as Internet Explorer or Firefox), the time you visited our website and which pages you visited throughout our website.

We may use cookies to record user-specific information on what pages users access or visit and to record other information about our Web website users.

We may use IP addresses to compile and provide aggregate statistics about our visitors and traffic patterns to administer this website.

We do not collect information about our visitors from other sources, such as public records or bodies, or private organizations.

If you have any questions about how we handle your information please contact us.

Permissions & Reprints

Copyright / Trademark / License / Ownership of Material

All text, graphics, images and intellectual property contained in this website are subject to copyright, trademark or intellectual property rights protection and owned by or licensed to Widowed Community & The Blog or otherwise used by Widowed Community & The Blog as permitted by law. No information contained on this website may be reproduced, transmitted, displayed, distributed, published or otherwise used for commercial purposes without the prior written consent of Widowed Community & The Blog. You may print or electronically store copies of the information for your own personal use.

Widowed Community & The Blog make no proprietary claim to any third-party names, trademarks or service marks appearing on this website. Any third-party names, trademarks, and service marks are the properties of their respective owners.

In the following situations, non-exclusive permission is granted automatically, subject to the constraints noted below:

  • Social Media. You may share the hyperlink URL of any article, blog post or document on this website to social media platforms like Twitter, Facebook, etc., using either the sharing buttons made available, or your own social media account/tools. However, sharing tools that put your own website/frame around the article (e.g., are not permitted.
  • Email. You may email the hyperlink URL of any article, blog post or document on this website as you wish, whether using our “Share via Email” button, or simply copy and pasting the link into an email.
  • Printing. You may print a copy of any article, blog post or document on this website or print to PDF, but only for your personal use. To reprint for wider use or distribution, including multiple copies, whether as a physical or electronic copy, please see the Reprints section below.
  • Image or Text Excerpts. You may excerpt from an article, blog post or document any single Widowed Community or Blog original image (noted with a “©Widowed Community” or “©Jim Schwartz ” in the lower right corner of the image), or up to one paragraph of text as a quote as long as you include attribution to “Jim Schwartz at Widowed Community” as the source, including a hyperlink tied to the text or image (or for an image, captioned immediately below it) that links back to the original source article from which it came. For permission to reproduce any third-party images, which do not include a copyright for Jim Schwartz or Widowed Community, please contact the original image source as noted.

If you wish to have permission to use content from this website or the Blog that is beyond the scope of the automatic permissions listed above, please Contact Us to make your request. We frequently grant such requests, and usually without any cost, but permission is required before proceeding.

Reprints. If you wish to obtain permission to reprint a Widowed Community or Widowed Community Financial Blog article, blog post or document in full, whether in electronic form, as a PDF, or to produce physical copies for distribution, please Contact Us and provide details of the intended scope.

Comment Policy

Comments to blog posts are welcome. However, we require a certain level of etiquette, maturity, good judgement and thoughtfulness that should go into writing a constructive comment.

Posting comments here is a privilege, not a right. This blog is not a public forum obligated to give equal time to everyone, especially trolls and those only capable of undesirable behavior.

If you don’t like these rules and guidelines or feel that you are being too heavily repressed, feel free to put your own time, money and energy into creating and writing your own blog.

All comments are moderated. Review and posting, along with possible editing of new comments should take place several times throughout a typical day. There may be days when life, workload, travel or lack of internet access prevent a normal or expected moderation schedule. So be it.

Feel free to put your own blog/website in the URL space when entering comments.

The following are general guidelines for comments.

Acceptable and Desirable Comment Behavior:

  • Appreciative in nature
  • Educational and informative comments (while meeting constructive guidelines)
  • Meaningful in a positive way
  • Constructive criticism
  • Insightful
  • Moderate in length (a paragraph or two). Single word accolades or acknowledgements are fine as well.

Unacceptable / Undesirable Comment Behavior Potentially Leading to Deletion, Editing or Banning:

  • Use of bad, crude, hurtful or otherwise inappropriate language
  • “Off topic” comments. Stay on target!
  • A 1,000-word comment may need shortened or edited, especially if it’s long winded, rambling or incoherent
  • Unproductive or silly comments
  • Misleading, blatantly false or malicious comments
  • Self-promotional comments
  • Any comments that include investment recommendations will not be published (as a financial advisor working for a Registered Investment Advisor, I cannot publish any investment recommendations, nor can any 3rd party [you, the reader])
  • Repeated attempts at trying to post unacceptable or undesirable comments will most likely get you banned from further commenting
  • Multiple postings under different names
  • Being extremely impolite or participating in Ad hominem attacks
  • Engaging in troll-like behavior
  • Using fake or mislabeled URLs
  • Cutting and pasting entire copyrighted works of others into comments
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