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EvilGreebo
09-03-2015, 07:26 PM
User's Agreement and Rules of Conduct for the Debt Free Fanatics Message Boards

Use of and participation in the Debt Free Fanatics message board (hereafter referred to as 'the forums') is contingent upon your acceptance of the following terms and rules. By participating in the forums, you acknowledge your acceptance of these terms. For purposes of this agreement, 'Participant' refers to you. 'the forums' refers to the Debt Free Fanatics Message board and all content associated with http://www.debtfreefanatics.com (http://babystepaddict.com).

Debt Free Fanatics is a private forum founded and operated by former members of the Dave Ramsey 'Total Money Makeover' message boards. When those forums closed, this forum was created as a new home. This forum is not affiliated with Dave Ramsey, Lampo group, or any subsidiary thereof, in any manner.


Rules of Conduct

These forums are for discussing Personal Finance and Related Topics. These guidelines are posted as a code of conduct and if all of our participants will subscribe to this code of conduct most of these rules will be easily observed.

The goals of the Forums are to provide a secure platform for discussion of personal finance with specific emphasis on the Dave Ramsey Baby Steps

To achieve these goals, the Debt Free Fanatics community expects that all members will:

Show respect at all times.
Help build the Community.


The success of our forums depends upon the quality posts of our participants. To ensure our success we are posting these guidelines so that all participants of the forums understand what is considered unacceptable behavior in the forums, which can result in a temporary suspension or a permanent ban.

Personal attacks are prohibited. This specifically means any text/post that is blatantly attacking another person on or off the forum, especially in a personal way.
Trolling is prohibited. Whenever someone is clearly, deliberately posting in a manner for the purpose of angering and/or insulting the other participants of the board, it is considered 'trolling.' The public posting of reputation comments received, which are considered by Debt Free Fanatics to be personal and confidential, is considered ipso facto trolling. Trolling DOES NOT encourage further discussion in the long run; it only encourages personal attacks (if left unchecked).
Harassment in any form will not be tolerated.
Solicitations and Advertisements are prohibited except in designated areas, if provided. Discrete links to commercial products in signatures are allowed.
Private Messages received on these Forums are to be considered private and are not to be posted publicly unless the sender of the private message agrees.
Participant shall not post messages containing personal phone numbers or addresses other than their own.
Bans and warnings are not to be discussed on the forums. Any inquiries or comments or bans are to be sent in private messages or via email. A moderator may choose to publicly inform the participants of a forum about bans and warnings if this is in the interest of the forum.
Posting of pornography, racist or otherwise discriminating remarks, threats to cause physical or mental harm, extreme offensive language, material that breaks any law or otherwise totally unacceptable posts or links to pages that contain the aforementioned material may result in an immediate ban from the forums.
Deliberately circumventing the censor filter is prohibited.
Spamming the forums is prohibited.
Not responding to or ignoring moderator warnings can lead to suspension.
Off Topic (OT) are not prohibited, but should be posted within reason. There are some topics that are not appropriate for the forums. All posts are subject to these rules. Excessive OT posts will be dealt with on a case by case basis.
All Forums have a main topic. When starting a new thread, make sure you do so in the proper Forum.
When a member lists an item for sale, please do not comment on the value of the goods offered, unless specifically requested by the original poster.


Rights of Debt Free Fanatics / Disclaimer of Liability


The content of these forums are supplied by its members with occasional responses from Debt Free Fanatics. Debt Free Fanatics shall not be responsible for policing, monitoring, or editing such content, exercises no more editorial control over such content than would a public library, bookstore, newsstand, or other distributor of content, and accordingly, shall not be responsible for exercising editorial control over such content. Notwithstanding the foregoing, Debt Free Fanatics shall have the right, but not the obligation, to monitor such content in order to respond to or comment upon communications by Participants and in order to determine compliance with the foregoing Rules of Conduct. Debt Free Fanatics shall have the right and sole discretion to edit, to refuse to port or to remove any content whatsoever which it finds to be in violation of the provisions hereof or which it finds in its sole discretion to be otherwise objectionable for any reason.


The opinions expressed in the forums are not necessarily (and in some cases not at all) those of Debt Free Fanatics. Debt Free Fanatics is not responsible for any materials provided by users which are deemed harmful or offensive to others. Debt Free Fanatics is not responsible in any way for any injury, loss, or damage which occurs as a result of an opinion expressed or information provided in these sections of the site. Debt Free Fanatics is not responsible for the content of any sites linked to an Debt Free Fanatics site.


Debt Free Fanatics makes no warranties, express or implied, as to the content in the Debt Free Fanatics site or the accuracy or reliability of any information or statements contained therein. All statements, advice and opinions made by Participants in Debt Free Fanatics message boards are those of such Participants only, and Debt Free Fanatics neither endorses nor shall be held responsible for the reliability or accuracy of same.


Debt Free Fanatics will use any information obtained from the user as a part of our own private database, which may be used at any time by Debt Free Fanatics in order to gather or provide information specifically pertaining to the topics provided within our set of message forums.


Termination

Debt Free Fanatics shall have the right to immediately terminate any Participant's use of the Debt Free Fanatics site if Debt Free Fanatics determines in its sole discretion that Participant has violated the Rules of Conduct set forth herein or otherwise breached this agreement, or has engaged in conduct which Debt Free Fanatics determines in its sole discretion to be unacceptable.


Thank you for being a part of the Debt Free Fanatics community! If you have any comments or questions, feel free to send us a private message or an e-mail at babystep@debtfreefanatics.com (babystep@babystepaddict.com)

EvilGreebo
09-28-2015, 09:37 PM
Addendum 1 : Private Messages


While private messages are private, and should be kept that way unless both sender and recipient agree to public disclosure, there are limited exceptions. Any private message which the recipient feels is abusive may be reported using the http://www.debtfreefanatics.com/images/buttons/report-40b.png icon below the offending messages. This will report the PM to the Debt Free Fanatics Staff for investigation. Abuses of the PM system in any manner that violates the forum rules are just as much against the rules as if they were posted openly.