The George Peabody Library, Baltimore, Maryland (Photo Credit: Matthew PetroffCC BY-SA 3.0)
Last updated: 29 September 2022

Please be sure also to read our important policies and disclosures.

Interpretation and Definitions


The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.


For the purposes of this Disclaimer:

  • Company (referred to as either “the Company, “We”, “Us”, or “Our” in this Disclaimer) refers to Kermodexed, LLC, which owns and operates the “The Kermudgeon” website.
  • Service refers to the Website.
  • Website refers to The Kermudgeon.
  • You means the individual accessing the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

General Disclaimer

All information published on the Website is for personal enjoyment and/or general information purposes only. Although content is published by The Kermudgeon, all copyrights are owned, except as explicitly noted otherwise (such as in the case of works made for hire), by the original author(s) or creator(s).

While all content published on the Website is made available in good faith, We make no representation or warranty of any kind, express or implied, as to the accuracy, validity, reliability, availability, or completeness of any content on the Website. We assume no responsibility for errors or omissions in the contents of the Website. Further, some information included on the Site may be fictional, semi-fictional, satirical, humorous, or otherwise presented in such manner as could be misinterpreted as factually correct. Content of this nature may or may not be labelled and/or categorized as such and is provided for enjoyment and/or general information purposes only.

In no event shall The Kermudgeon or its regular or guest author(s) or creator(s) be liable for any special, direct, indirect, consequential, or incidental damages or any damages whatsoever, whether in an action of contract, negligence or other tort, arising out of or in connection with the use of the Website or the contents of the Website. The Company reserves the right to make additions, deletions, or modifications to the contents on the Website at any time without prior notice.

The Kermudgeon does not warrant that the Website is free of viruses or other harmful components.

FTC Affiliate Disclaimer

The disclosure that follows is intended to fully comply with the Federal Trade Commission’s policy of the United States that requires to be transparent about any and all affiliate relations the Company may have on the Service.

You should assume that some of the links are “affiliate links”, a link with a special tracking code.

This means that if You click on an affiliate link and purchase the service or product, the Company may receive an affiliate commission. This is a legitimate way to monetize and pay for the operation of the Service, and the Company gladly reveals its affiliate relationships to You.

The price of a product or service is the same whether it is an affiliate link or not. Regardless, the Company only recommend products or services the Company believe will add value to users.

Financial Advice Disclaimer

The Website may contain articles containing ideas about finance, investing, money management, and similar topics. It should be assumed that the author of any such article is not a financial advisor or planner or financial professional of any kind. The ideas presented are those of the author(s) only; they may or may not apply to your situation. The information included in this article should not be construed as financial advice. Further, most specific products, services, and strategies described are targeted primarily to audiences based in the United States, and may or may not work similarly in other countries.

The Website may contain links to external websites that are not provided or maintained by or in any way affiliated with The Kermudgeon. We do not guarantee the accuracy, relevance, timeliness, or completeness of any information on these external websites.

Advertising Disclaimer

Third party advertisements and links to third party websites may also appear while using the Website. The Kermudgeon does not make any representation as to the accuracy or suitability of any of the information contained in those advertisements or websites and does not accept any responsibility or liability for the conduct or content of those advertisements and websites and the offerings made by the third parties.

Third party advertisements and links to other websites where goods or services are advertised are not endorsements or recommendations by The Kermudgeon of the third party sites, goods or services. We take no responsibility for the content of the ads, promises made, or the quality/reliability of the products or services offered in all advertisements.

Errors and Omissions Disclaimer

The information published by the Website is for general entertainment or information only. Even if We take every precaution to ensure that the content of the Website is both current and accurate, errors can occur. Further, given the changing nature of laws, rules, and regulations, there may be delays, omissions, or inaccuracies in the information contained on the Website.

We are not responsible for any errors or omissions, or for the results obtained from the use of this information.

Fair Use Disclaimer

The Kermudgeon may use copyrighted material which has not always been specifically authorized by the copyright owner. In such cases, We are making such material available for criticism, comment, news reporting, teaching, scholarship, or research.

We believe any such uses constitute a “fair use” of any such copyrighted material as provided for in section 107 of the United States Copyright law.

If You wish to use copyrighted material from the Website for your own purposes that go beyond fair use, You must obtain permission from the copyright owner. (See also our copyright notice.)

Views Expressed Disclaimer

The Website may contain views and opinions which are those of the authors and do not necessarily reflect the official policy or position of any other author, editor, agency, organization, employer or company, including The Kermudgeon and Kermodexed, LLC.

Posts and comments published by users are their sole responsibility, and the users will take full responsibility, liability and blame for any libel or litigation that results from something written in or as a direct result of something written in a post or comment. The Kermudgeon is not liable for any post or comment published by users, and We reserve the right to delete any post or comment for any reason whatsoever.

No Responsibility Disclaimer

The information on the Website is provided with the understanding that The Kermudgeon is not herein engaged in rendering medical, legal, accounting, tax, or other professional advice and services. As such, it should not be used as a substitute for consultation with professional medical, legal, accounting, tax, or other competent advisers.

In no event shall The Kermudgeon or its suppliers be liable for any special, incidental, indirect, or consequential damages whatsoever arising out of or in connection with Your access or use or inability to access or use the Website.

“Use at Your Own Risk” Disclaimer

All information published on The Kermudgeon is provided “as is”, with no guarantee of completeness, accuracy, timeliness or of the results obtained from the use of this information, and without warranty of any kind, express or implied, including, but not limited to warranties of performance, merchantability and fitness for a particular purpose.

The Kermudgeon will not be liable to You or anyone else for any decision made or action taken in reliance on the information given by the Website or for any consequential, special or similar damages, even if advised of the possibility of such damages.

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