Disclosure Policy

Last Updated: August 2025

Our Mission and Independence

Silly Money is an independent educational media division of The Vibes Company Inc. Our mission is to make financial education accessible, engaging, and actionable for everyone. We believe transparency builds trust, which is why we're committed to providing clear information about our business relationships, potential conflicts of interest, and editorial practices.

Editorial Independence

Our Editorial Promise

Our editorial team operates independently and makes content decisions without input from our affiliated entities or business partners. While The Vibes Company Inc. owns regulated financial services companies, our editorial decisions are not influenced by their business interests or any compensation we may receive.

Content Standards

1. We write about what we believe will be most helpful to our readers.
2. We do not guarantee favorable coverage in exchange for compensation.
3. Our content reflects our editorial team's independent judgment about what's newsworthy and valuable.
4. We clearly distinguish between editorial content and sponsored content.

Affiliate Relationships and Potential Conflicts

Corporate Structure

The Vibes Company Inc., our parent company, also owns:

1. Carry Advisors LLC - SEC-registered investment adviser
2. Global Carry LLC - FINRA member broker-dealer
3. Carry Tax LLC - Tax advisory firm

How We Handle Potential Conflicts

1. Equal Treatment: We treat affiliated entities the same as any other company we might cover
2. No Preferential Coverage: Affiliation does not guarantee positive coverage or any coverage at all
3. Independent Analysis: Our analysis of affiliated companies is conducted with the same objectivity as any other company
4. Clear Disclosure: When we mention affiliated entities, we clearly disclose the relationship

Revenue and Compensation

How We Make Money

Silly Money generates revenue through:

1. Advertising and Sponsorships: From financial services companies and other businesses
2. Affiliate Partnerships: Commissions when readers use services we mention (including affiliated entities)
3. Subscription Services: Premium content and educational materials
4. Events and Courses: Educational workshops and online learning programs

Affiliate Compensation

We may receive compensation when readers:

1. Use services from Carry Advisors, Global Carry, or Carry Tax
2. Sign up for services from other financial companies we mention
3. Purchase products through affiliate links
4. Attend events or courses we promote

Important: This compensation never influences our editorial content or recommendations.

Investment and Personal Holdings

Staff Investment Policy

1. Editorial staff members may own investments in companies we cover
2. Staff are required to disclose personal holdings that could create conflicts
3. Staff must follow pre-clearance procedures for personal investments
4. We maintain a restricted list of investments that staff cannot trade

Company Investments

The Vibes Company Inc. and its subsidiaries may have business relationships or investments that could present conflicts with our coverage. We disclose these relationships when relevant to our content.

Advertising and Sponsored Content

Advertising Standards

1. Advertisers have no influence over our editorial content
2. We clearly label all sponsored content and advertisements
3. We maintain editorial independence regardless of advertiser relationships
4. We reserve the right to reject advertising that doesn't meet our standards

Financial Services Advertising

We may advertise services from registered investment advisers (RIAs), broker-dealers, and other financial services firms. When we advertise these services:

1. We do not endorse the advertised services or firms
2. Advertising does not constitute a recommendation to use those services
3. We are not responsible for the performance or suitability of advertised services
4. Readers should conduct their own due diligence before engaging any financial services provider
5. We may receive compensation for advertising these services

All advertised financial services firms are responsible for their own compliance with applicable securities laws and regulations. Silly Money does not verify the regulatory status or compliance of advertised firms.

Sponsored Content Guidelines

When we publish sponsored content, we:

1. Clearly label it as "Sponsored," "Paid Content," or "Advertisement"
2. Ensure it provides value to our readers
3. Maintain editorial oversight over quality and accuracy
4. Distinguish it visually from independent editorial content

Content and Disclaimer Policies

Educational Purpose

All content on Silly Money is for educational and informational purposes only. Our content:

1. Is not personalized financial advice for your specific situation
2. Should not be considered a recommendation to buy or sell any specific investment
3. Does not constitute professional advice in areas requiring licensed expertise
4. Should be supplemented with consultation from qualified professionals

You are responsible for your own investment decisions. Silly Money will not be responsible for any errors or omissions in articles, for hyperlinks embedded in content, or for any results obtained from the use of such information. We will not be liable for any loss or damage caused by a reader's reliance on information obtained from our content.

Use our content as a starting point for doing independent research on companies and investing techniques. Then judge for yourself the merits of the material we've shared. Do not make investment decisions based solely on information, opinions, or discussions found on Silly Money.

Data Sources and Accuracy

We rely on a variety of sources for market data and company information, which we believe to be accurate and reliable, but sometimes they may not be. Silly Money makes no claims or representations as to the accuracy, completeness, or truth of any material contained on our site. We promise not to mislead you intentionally, but we reserve the right to be wrong.

Third-Party Content and Hyperlinks

When you click on hyperlinks to other websites, you're leaving Silly Money. We do not guarantee the veracity, reliability, or completeness of any information provided through hyperlinks. Be cautious when accessing third-party websites and verify information independently.

User-Generated Content

We may feature comments, questions, or content from readers. We recognize that while we have great contributors, people sometimes share information that is misleading, deceptive, or incorrect - either unintentionally or intentionally. Treat information from other readers the same way you'd treat advice from someone you just met at a party.

Accuracy and Corrections

We strive for accuracy in all our content. When we make errors:

1. We correct them promptly and transparently
2. We note corrections clearly in the updated content
3. We take responsibility for maintaining high editorial standards

Privacy and Data

Information Collection

We collect information to:

1. Provide and improve our services
2. Understand our audience
3. Deliver relevant content and offers
4. Comply with legal requirements

Information Use

We use information to:

1. Personalize content recommendations
2. Analyze engagement and improve our services
3. Communicate with subscribers and users
4. Fulfill legal and regulatory obligations

For complete details, see our Privacy Policy.

Regulatory Disclosures

Our Affiliated Financial Services

Investment advisory services from our affiliated entities are provided exclusively through Carry Advisors LLC, an SEC-registered investment adviser. For important disclosures about Carry Advisors:

1. Form ADV Part 2A
2. Form CRS
3. SEC Investment Adviser Public Disclosure

Securities brokerage services from our affiliated entities are provided through Global Carry LLC, a FINRA member broker-dealer and SIPC member.

Tax advisory services from our affiliated entities are provided through Carry Tax LLC.

Third-Party Financial Services

We may advertise, mention, or discuss services from other registered investment advisers, broker-dealers, and financial services firms. For any third-party financial services:

1. Verify Registration: Before engaging any financial services provider, verify their registration status through: (a) SEC Investment Adviser Public Disclosure for investment advisers, (b) FINRA BrokerCheck for broker-dealers, (c) Applicable state regulatory websites for other financial services
2. Review Disclosures: Obtain and review the firm's Form ADV (for investment advisers), Form CRS, and other required disclosures before engaging their services
3. Understand Services: Each firm's services, fees, conflicts of interest, and regulatory obligations may differ significantly

Important Notice

No Advisory Relationship: Reading Silly Money content does not create an investment advisory relationship, brokerage relationship, or client relationship with any affiliated entities or any third-party firms we mention, advertise, or discuss.

No Endorsement: Mention of, advertising for, or discussion of third-party financial services does not constitute an endorsement or recommendation by Silly Money or The Vibes Company Inc.

Risk Disclosures

Investment Risks

1. All investments involve risk, including potential loss of principal
2. Past performance does not guarantee future results
3. Market volatility can significantly impact investment values
4. Diversification does not guarantee profits or protect against losses

Educational Content Limitations

1. Our content provides general information, not personalized advice
2. Your financial situation may require different strategies than those discussed
3. Tax implications vary by individual circumstances
4. Legal and regulatory requirements may differ by jurisdiction

Contact and Questions

Editorial Questions

For questions about our editorial policies or content: [email protected]

Business and Partnership Inquiries

For advertising, partnerships, or business questions: [email protected]

Compliance and Legal

For compliance or legal questions: [email protected]

Updates to This Policy

We may update this disclosure policy from time to time.

When we make material changes, we will:

1. Update the "Last Updated" date
2. Notify users of significant changes
3. Post the updated policy prominently on our website

Your continued use of Silly Money following any changes indicates your acceptance of the updated disclosure policy.