Effective Date: January 2025
Last Updated: June 2025
This Financial Disclosure applies to StackMyWallet.com, which is owned and operated by Digital Heart Media Inc., a New York-based media company. Email newsletters and promotional campaigns are managed and distributed by WeMonify LLC, a Delaware limited liability company. The information on this Site is provided for educational and informational purposes only and is not intended as financial, legal, investment, or tax advice.
By using this website or engaging with our email communications, you acknowledge and agree to the disclaimers below.
No Financial, Legal, or Tax Advice
StackMyWallet.com and its operators are not licensed financial advisors, accountants, attorneys, or certified credit professionals. The information presented across our website, emails, downloadable resources, and tools is:
Based on personal research, experience, and publicly available data
Provided for general informational and educational purposes only
Not tailored to your specific financial situation, credit profile, or legal circumstances
You are strongly advised to consult a licensed professional before making financial, legal, or credit-related decisions.
Use of Information
You are solely responsible for evaluating the merits and risks associated with any recommendations, strategies, or third-party tools mentioned. The use of our information is entirely at your own risk. We expressly disclaim any liability for losses or damages, financial or otherwise, resulting from your use or reliance on:
- Blog posts or articles
- Downloadable PDFs or checklists
- Social media or newsletter content
- Affiliate recommendations or sponsored content
- Third-party services linked to from the Site
Credit, Loans, and Funding Disclaimers
StackMyWallet.com may feature content related to credit repair, credit-building tools, business loans, or financial services. Unless explicitly stated:
- We are not a lender, credit bureau, or credit repair organization
- We do not issue loans, approve applications, or influence credit decisions
- Any calculators or tools provided are for estimation only and do not guarantee results
- All loan, credit, or financial products discussed may be subject to approval criteria and third-party terms
Third-Party Relationships
Some of the financial tools, apps, or platforms discussed are affiliate or sponsored partnerships, and we may earn commissions through your engagement. However:
- We do not control these companies
- We are not liable for their offers, services, denials, or terms
- You are responsible for reviewing all third-party disclosures and agreements before proceeding
Hypotheticals & Income Representations
From time to time, we may include hypothetical scenarios or testimonials related to:
- Business growth
- Side hustle income
- Credit score improvement
- Access to capital or credit cards
These examples are not guarantees of results. Your outcomes depend on your personal effort, credit history, business structure, and market conditions. Past performance is not indicative of future results.
Earnings Disclosures
Any references to potential earnings, business income, or funding success are:
- Not typical
- Not guaranteed
- Dependent on numerous variables outside our control
We will never promise specific income outcomes, credit score improvements, or approval guarantees.
Educational Purposes Only
Our content is designed to empower, educate, and inspire entrepreneurs and individuals improving their financial health. We make every effort to ensure accuracy and currency, but we do not warrant the completeness, reliability, or timeliness of any content on the Site or in our communications.
Legal Entities & Liability
Content, Education & Affiliate Programs:
All content and affiliate relationships are operated by:
Digital Heart Media Inc.
New York, NY
smw@digitalheartmedia.com
Newsletters & Sponsored Emails:
Newsletters are sent by:
WeMonify LLC
Delaware, USA
Neither entity assumes liability for decisions made based on our materials or affiliate partner outcomes.