Terms of Use

Last updated: October 1, 2026

These terms apply when you visit or use Knowbrook, which is run by Knowbrook ("we," "us"). By using the site you agree to them. If you do not agree, please do not use the site.

Who may use the site

The site is meant for a general audience in the United States. You must be at least 13 years old to use it. If you are under 18, please use it with a parent or guardian.

What you may do

• Read the articles and use the information for your own personal, non-commercial purposes.
• Link to any page on the site.
• Quote a short excerpt of an article, with credit to Knowbrook and a link to the page you took it from.

What you may not do

• Copy, republish or resell our articles, in whole or in large part, without our written permission. This includes rewriting them with a tool and posting the result.
• Use bots, scrapers or other automated tools to copy the site or to put an unreasonable load on it.
• Try to break into, disrupt or test the security of the site or its servers.
• Submit spam, false information or anything unlawful through the contact form.
• Click on or ask others to click on ads on this site to generate revenue. That is fraud and it harms the site.

Our content and copyright

The text, layout, logo, graphics and other material on the site belong to us or to those who license them to us, and are protected by U.S. copyright and trademark law. We keep all rights that these terms do not give you. Names of other companies, agencies and products mentioned in the articles belong to their owners.

What you send us

If you send us a message, a correction or a suggestion, you give us permission to read it, store it and use it to improve the site. We will not publish your name or email address without asking you first.

General information, not advice

The articles are written to inform, not to give personal advice. Reading them does not make us your financial adviser, lawyer, accountant, doctor or other professional, and it does not create any professional relationship. Please read our disclaimer before you rely on anything here.

Accuracy and availability

We work hard to be accurate and to keep articles current, but rules, fees and programs change, and some differ by state. The site and everything on it are provided "as is" and "as available," without promises of any kind, express or implied, including that the content is complete, up to date or right for your situation. We may change, pause or remove any part of the site at any time.

Links and ads from others

The site contains links to other websites and shows ads from third parties. We do not control them and are not responsible for what they say, sell or do. If you visit or buy from them, that is between you and them.

Limit on our responsibility

To the fullest extent the law allows, we are not responsible for any indirect, incidental, special or consequential loss, or for any loss of money, data or opportunity, that comes from using the site or relying on its content. If a court decides we are responsible for a loss, our total liability to you is limited to $100. Some states do not allow certain limits, so parts of this section may not apply to you.

Copyright complaints

If you believe something on the site copies your work without permission, please contact us with the subject "Copyright notice" and include: a description of the work you own; the web address of the page you are concerned about; your name, address, phone number and email; a statement that you believe in good faith that the use is not authorized; and a statement, made under penalty of perjury, that your notice is accurate and that you own or are allowed to act for the owner. Please sign it with your name. We review complete notices and remove material when the law requires it.

Ending access

We may block or limit access to the site for anyone who breaks these terms or misuses the site.

Which law applies

These terms are governed by U.S. federal law and the laws of the state where the site's owner is located, without regard to conflict-of-law rules.

If part of these terms does not apply

If a court finds that part of these terms cannot be enforced, the rest stay in effect. If we do not enforce a term right away, we have not given it up.

Changes

We may update these terms. The date at the top shows the latest version. If you keep using the site after a change, you accept the updated terms.

Contact

Questions about these terms? Send us a message.