EarlyDeposit.org

Sponsored

No Direct Deposit

25+ Best Bank Promotions & Bonus Offers ($100 Minimum!)

25+ Best Bank Promotions & Bonus Offers ($100 Minimum!)


Wallet Hacks

See the best nationally available bank promotions and signup bonuses available ($100 minimum!) - we keep this list of 20+ bank offers updated weekly. No expired promotions or tiny banks listed, just nationally available, easy to get promos.

Vote for Kentucky Wesleyan College – Messenger-Inquirer’s 9th annual Readers’ Choice Awards

by ekenny @ Kentucky Wesleyan College

Kentucky Wesleyan College has been nominated for Best Post-Secondary Education Facility in the Messenger-Inquirer’s 9th annual Readers’ Choice Awards. Voting is now open and will run through Mar. 24. Individuals may vote daily. Please Click Here or visit messenger-inquirer.com, and vote for Wesleyan.

Best Free Checking Accounts of 2018 - NerdWallet

Best Free Checking Accounts of 2018 - NerdWallet


NerdWallet

Checking accounts are rarely free. But some financial institutions don’t charge monthly fees and even offer other free services or pay interest. We picked our favorites. First, you might want…

How to Watch Live Sports Online for Free

by Jim Wang @ Wallet Hacks

I have a secret. I live in Maryland but I love my New York teams (I'm that weird Mets, Jets, Knicks combo). I'm not a die-hard fan in that I rearrange my schedule because I must watch every game (good luck — that's 260 games combined), but I like catching a game when I can. […]

The post How to Watch Live Sports Online for Free appeared first on Wallet Hacks.

Free Business Checking Accounts: April 2018

by Howard Young @ Bank Checking Savings

We get the frustration and countless hours you spent on trying to find the best business checking accounts on the market. It can be quite a hassle and often the best rates aren’t easy to find. To relieve the stress, here is a list of the best free checking accounts for 2018. Features are often... Keep Reading↠

The post Free Business Checking Accounts: April 2018 appeared first on Bank Checking Savings.

Kentucky Wesleyan College to hold annual “88 Keys” Recital

by simeonpo @ Kentucky Wesleyan College

Owensboro, Ky. (March 27, 2018) – Kentucky Wesleyan College will present its “88 Keys” Piano Recital on Thursday, April 12, at 6 p.m. in Tapscott Chapel in the Barnard-Jones Administration Building at the College.  This popular program features all Kentucky Wesleyan College students taking applied piano lessons.  They will perform solos, duets, trios, quartets and…

more: Kentucky Wesleyan College to hold annual “88 Keys” Recital

Quick And Easy No Credit Payday Loans

by mrpay @ acornweb.org

For those who have had money problems, do you know what it can be like to feel worried simply because you have zero options. Fortunately, payday cash loans exist to help individuals like you make it through a tricky financial period in your daily life. However, you must have the correct information to have a […]

The Original Post Located Here: Quick And Easy No Credit Payday Loans

em

by Scott Mattiza @ Enlighten Me

The post em appeared first on Enlighten Me.

Payday Loans Over 30 Days

by mrpay @ acornweb.org

Payday Loans Over 30 Days can be a saving grace or possibly a horrendous mistake. To actually get the most out of your cash advance, always inform yourself and understand the conditions and costs. Look at this article for additional details on these types of loans and then use it to help you help make […]

The Original Post Located Here: Payday Loans Over 30 Days

Can Clark tell the difference between his favorite diet soda and a discount store knockoff???

Can Clark tell the difference between his favorite diet soda and a discount store knockoff???

by Beth Marcinko @ clark.com

Clark loves diet soda, but does he really know the difference between the name brand and generic? His blind taste test says it all.

Clark Howard 3.23.18

by @ clark.com

Topics: Clark Stinks; There’s a massive shortage of homes in the US right now

Learn more about your ad choices. Visit megaphone.fm/adchoices

Achieve the Dream of a College Education with the Maryland 529 Save4College Program

by Jim Wang @ Wallet Hacks

College is expensive. I graduated with $35,000 in student loan debt. Some graduate with hundreds of thousands of dollars in debt. I never had access to a 529 plan. I started college in 1998 and they were created in 1996 as Section 529 of the Internal Revenue Code. Even if we knew about it, it […]

The post Achieve the Dream of a College Education with the Maryland 529 Save4College Program appeared first on Wallet Hacks.

Best Free Checking Account – April 2018

by Liz Pham @ Bank Checking Savings

Look no further than below for Best Free Checking Accounts! You will find the best publicly available bank signup bonus, offers, deals, and promotions. You’ll find this exclusive free checking account promotions list to be the absolute best to earn thousands of dollars in free cash! Don’t forget to check our full list of Free Business... Keep Reading↠

The post Best Free Checking Account – April 2018 appeared first on Bank Checking Savings.

Two legitimate ways to get free Disney World tickets

Two legitimate ways to get free Disney World tickets

by Theo Thimou @ clark.com

Who says there's no free lunch? Turns out there might actually be a way to score free tickets to Walt Disney World and Disneyland — in some circumstances.

Macatawa Bank Visa Bonus Rewards Card Review: 2,500 Bonus Rewards Points ($25 Cash Back)

by Hilary Tran @ Bank Checking Savings

Sign up today for the Macatawa Bank Visa Bonus Rewards Card to earn 2,500 bonus points, redeemable for $25 cash back, after your first purchase on your new card. With this card you get introductory 0.00% APR for the first 6 billing cycles on purchases and balance transfers with no annual fee. You also get a 25%... Keep Reading↠

The post Macatawa Bank Visa Bonus Rewards Card Review: 2,500 Bonus Rewards Points ($25 Cash Back) appeared first on Bank Checking Savings.

ACS/Conduent Loan Servicing Problems – How to Avoid & Fix Them

by Jim Wang @ Wallet Hacks

Over 15 years ago, I graduated college with $35,000 of student loan debt. It was a mixture of different types of loans but I was able to consolidate them into a single fixed rate, somewhere in the 3% range, and serviced by ACS Education Services. ACS, short for Affiliated Computer Services, recently changed their name […]

The post ACS/Conduent Loan Servicing Problems – How to Avoid & Fix Them appeared first on Wallet Hacks.

Wells Fargo Banking Promotions: $200 Checking Bonus

by Jim Wang @ Wallet Hacks

Banks need accounts. You need more cash. How about $200 to open a Wells Fargo Everyday Checking account and making it your main bank account? That's what Wells Fargo is willing to do if you're willing to open an account and set up a direct deposit of at least $500. After you've had three deposits […]

The post Wells Fargo Banking Promotions: $200 Checking Bonus appeared first on Wallet Hacks.

Payday Loans Upto 400

by mrpay @ acornweb.org

Sometimes emergencies happen, and you require a quick infusion of money to acquire via a rough week or month. An entire industry services folks just like you, as pay day loans, in which you borrow money against your following paycheck. Keep reading for several pieces of information and advice will survive through this method with […]

The Original Post Located Here: Payday Loans Upto 400

Best Bank Bonuses in Washington

by Anthony Nguyen @ Bank Checking Savings

Editor’s Note: If this is not your state, you can click on the state(s) above to see the Best Bank Bonuses being offered in your selected state(s). If you’re going to Washington to visit the biggest building in the world, or the world famous Space Needle, take some time to also visit the Best Bank Bonuses in Washington.... Keep Reading↠

The post Best Bank Bonuses in Washington appeared first on Bank Checking Savings.

Chase Business Checking $200 Bonus - No Direct Deposit Required - Doctor Of Credit

Chase Business Checking $200 Bonus - No Direct Deposit Required - Doctor Of Credit


Doctor Of Credit

Update: The $300 bonus is back, so do that one instead. Offer is back. Keep in mind there was recently a $300 bonus so it might be wise to wait for a better offer. Via maximizing money. Offer at a glance Maximum bonus amount: $200 Availability: Nationwide (must open account in branch) Direct deposit required: None Additional requirements: Deposit [&hellip

8 ways to save money at Hobby Lobby

8 ways to save money at Hobby Lobby

by Theo Thimou @ clark.com

Don't expect to snag any savings at Hobby Lobby on a Sunday. The store closes for a day of rest "in order to allow our employees and customers more time for worship and family," according to the company's website. So here's how you can save money during the other six days of the week...

You can buy almost anything at Walmart…why not a used car, too?

You can buy almost anything at Walmart…why not a used car, too?

by Theo Thimou @ clark.com

Used car buyers have historically been faced with a lot of both hazard and opportunity.

The hazard comes into the equation because used cars come with a history and you don’t want to be buying someone else’s headache.

But the …

How not to get kicked out of your Airbnb rental

How not to get kicked out of your Airbnb rental

by Craig Johnson @ clark.com

While travel season used to be a boon for hotels, it has now turned into a blessing for many homeowners, too, thanks to Airbnb.

The homesharing service is disrupting the hotel industry by providing affordable lodging from people who are …

Bank of America Platinum Visa Business Credit Card Review: $200 Bonus

by Hilary Tran @ Bank Checking Savings

Bank of America is currently offering their Bank of America Platinum Visa Business Credit Card for all eligible users. With this card, you can now earn a $200 cash bonus when you spend $500 or more in the first 60 days of account opening. Not only that, but you’ll also get 0% introductory APR and top rated benefits,... Keep Reading↠

The post Bank of America Platinum Visa Business Credit Card Review: $200 Bonus appeared first on Bank Checking Savings.

Payday Loans More Than 30 Days

by mrpay @ acornweb.org

Sometimes emergencies happen, and you want a quick infusion of cash to have by way of a rough week or month. A full industry services folks as if you, by means of payday cash loans, that you borrow money against your upcoming paycheck. Keep reading for several bits of information and advice you can use […]

The Original Post Located Here: Payday Loans More Than 30 Days

If You Insist on Paying Taxes With a Credit Card, Here’s How

by Tina Orem @ NerdWallet

Ask any financial expert whether you should pay your tax bill with a credit card, and the answer is almost universally the same: Don’t do it. Credit cards charge far…

12 Clever Places to Donate Your Used Old Books

by Makenzi Wood @ Wallet Hacks

If you're like me, you know there's nothing quite like cracking open a book. For decades us bookworms have amassed impressive collections of books to expand our small slice of the world. However, it's easy to get overwhelmed with books. I used to have an entire room in my house just for my books. It […]

The post 12 Clever Places to Donate Your Used Old Books appeared first on Wallet Hacks.

Where’s My Refund? How to Get Your Tax Refund As Quickly As Possible

by Jim Wang @ Wallet Hacks

Are you ahead of the game and already filed your tax return? You rock! Now you're wondering “where's my refund?” We can help! You're in the right place. The IRS isn't very straightforward with a lot of tax items, since there is so many gray and “up to interpretation” areas, but on the tax refund […]

The post Where’s My Refund? How to Get Your Tax Refund As Quickly As Possible appeared first on Wallet Hacks.

How Grads Can Get Another Shot at Student Loan Forgiveness

by Anna Helhoski @ NerdWallet

The Trump administration is giving student loan borrowers who missed out on public service loan forgiveness a second chance, and they should move now to prepare. The recently passed $1.3 trillion federal…

The 8 Best Bank Promotions (Checking and Savings) in 2018

The 8 Best Bank Promotions (Checking and Savings) in 2018


The Dough Roller

Looking for the best checking accounts or savings accounts? These bank promotions can get you cash back when you open a new account and a top APR.

Big tipper? Find out which states are most and least generous with gratuities

Big tipper? Find out which states are most and least generous with gratuities

by Craig Johnson @ clark.com

If you’re like many Americans, you may feel that what you tip at a particular restaurant has everything to do with the service you’re getting – but that may not necessarily be the case. A recent study shows which region …

North Shore Bank Checking Account Bonus: $300 Promotion (Illinois, Wisconsin)

by Anthony Nguyen @ Bank Checking Savings

If you would like to start your weekend out strong with a generous bonus, then pay attention now! North Shore Bank is offering residents of Illinois and Wisconsin a chance to earn a $300 bonus when you open a new Checking Account online using promo code March Special by March 31, 2018. To receive the generous bonus, simply open a new checking account. A... Keep Reading↠

The post North Shore Bank Checking Account Bonus: $300 Promotion (Illinois, Wisconsin) appeared first on Bank Checking Savings.

Payday Loans 24 Hrs A Day

by mrpay @ acornweb.org

Sometimes emergencies happen, and you want a quick infusion of money to obtain via a rough week or month. A full industry services folks as if you, in the form of Payday Loans 24 Hrs A Day, the place you borrow money against your upcoming paycheck. Continue reading for several pieces of information and advice […]

The Original Post Located Here: Payday Loans 24 Hrs A Day

Wesleyan Singers to present concert at Woodlawn United Methodist Church

by simeonpo @ Kentucky Wesleyan College

The Kentucky Wesleyan Singers, directed by Professor Dennis Jewett, will present a concert at Woodlawn United Methodist Church on Sunday, Mar. 18 at 5 p.m.  James Wells, director of music at St. Stephen Cathedral, will provide accompaniment. The concert will include spirituals, music from Kentucky Harmony, a hymnal of the 1800s, and pieces the choir…

more: Wesleyan Singers to present concert at Woodlawn United Methodist Church

Innovative partnership with University of Kentucky College of Pharmacy announced

by simeonpo @ Kentucky Wesleyan College

Messenger-Inquirer on February 22, 2018 UK to KWC: ‘Welcome to the Pharmily’ School will partner with University of Kentucky’s College of Pharmacy Kentucky Wesleyan College announced Thursday the school will begin a partnership with the University of Kentucky College of Pharmacy that will both save students money and shorten the amount of time it will…

more: Innovative partnership with University of Kentucky College of Pharmacy announced

Payday Loans 24 Hours A Day

by mrpay @ acornweb.org

If you have had money problems, do you know what it is actually like to feel worried simply because you do not have options. Fortunately, online Payday Loans 24 Hours A Day exist to assist such as you make it through a tricky financial period in your daily life. However, you must have the proper […]

The Original Post Located Here: Payday Loans 24 Hours A Day

Quick And Easy No Fax Payday Loans

by mrpay @ acornweb.org

Sometimes emergencies happen, and you will need a quick infusion of money to get by way of a rough week or month. A complete industry services folks just like you, in the form of Quick And Easy No Fax Payday Loans, where you borrow money against your upcoming paycheck. Read on for some items of […]

The Original Post Located Here: Quick And Easy No Fax Payday Loans

Best FIRE (Financial Independence, Early Retirement) Blogs You Shouldn’t Miss

by Jim Wang @ Wallet Hacks

Behind every mainstream story about a couple retiring in their 30s and traveling the world is a story of struggle, sacrifice, and smart trade-offs. The idea that you could retire early, that is to say before you were in your 60s, has been around for centuries. This History of F.I.R.E. published on Rockstar Finance is […]

The post Best FIRE (Financial Independence, Early Retirement) Blogs You Shouldn’t Miss appeared first on Wallet Hacks.

Clark Howard 3.26.18

by @ clark.com

Topics: Walmart is now selling used cars; Congress doesn’t want you to know about future data breaches; Awesome deals today from Moviepass, Costco, and more

Learn more about your ad choices. Visit megaphone.fm/adchoices

First South Financial Referral Bonus: $25 Promotion (Tennessee only)

by Anthony Nguyen @ Bank Checking Savings

If you are a resident of Tennessee, listen up! First South Financial is offering qualified customers a $25 bonus whenever they refer a friend or family member to open a new account by March 31, 2018! There are very few requirements to be eligible for the referral bonus. After the requirements has been met, you will get... Keep Reading↠

The post First South Financial Referral Bonus: $25 Promotion (Tennessee only) appeared first on Bank Checking Savings.

Average 401(k) Retirement Savings – Why We Need to Save More. Way More!

by Jim Wang @ Wallet Hacks

How much do you have saved up in retirement? If you're like most Americans, the answer is not much. The average net worth of Americans is just $80,039. When you take out home equity, it's only $25,116. That's across the entire population of the United States – single, married, 65, 25, black, white, etc. Do […]

The post Average 401(k) Retirement Savings – Why We Need to Save More. Way More! appeared first on Wallet Hacks.

Apple Watch, Fitbit make strides in detecting heart problem

Apple Watch, Fitbit make strides in detecting heart problem

by Theo Thimou @ clark.com

If you're a fan of the Apple universe, the Apple Watch may have already won your heart. But did you know it may be able to proactively protect your heart, too?

Direct Deposit

Direct Deposit


Kentucky Wesleyan College

Direct Deposit for Student Workers Frequently Asked Questions Q: What is Direct Deposit and how does it work? A: Direct Deposit is a safe, proven, confidential method of receiving payment. Funds ar…

Why We Give: Roy ’75 and Margaret (Stinnette) Pickerill ’75

by simeonpo @ Kentucky Wesleyan College

Margaret Hometown: Pittsburgh Retired kindergarten teacher Roy Hometown: Louisville Sports Information Director Emeritus and Special Assistant for College Relations Why do you give to Wesleyan? Roy: “We recently gave a charitable gift annuity for a scholarship for students from Grayson County in memory of my father, Roy V. Pickerill, who grew up there. “Kentucky Wesleyan…

more: Why We Give: Roy ’75 and Margaret (Stinnette) Pickerill ’75

Self Lender offers a new way to build credit when you have none

Self Lender offers a new way to build credit when you have none

by Theo Thimou @ clark.com

Need to build credit quickly? Imagine having the ability to save money each month into an account that earns interest and builds your credit history with the three main credit bureaus at the same time.

Quick And Easy Online Payday Loans

by mrpay @ acornweb.org

Sometimes emergencies happen, and you need a quick infusion of cash to obtain through a rough week or month. A whole industry services folks like you, in the form of Quick And Easy Online Payday Loans, in which you borrow money against your following paycheck. Read on for many items of information and advice you […]

The Original Post Located Here: Quick And Easy Online Payday Loans

The Single Parent’s Guide to Life Insurance

by Barbara Marquand @ NerdWallet

Even though it might be hard sometimes to picture your young children as independent adults, you hope to live long enough to see that day. Life insurance provides a financial…

Indiana Members Credit Union Checking Bonus: $150 Promotion (Indiana only) *Carmel Branch offer*

by Anthony Nguyen @ Bank Checking Savings

Are you interested in putting some extra cash in your wallet? Indiana Members Credit Union is currently offering residents of Indiana a generous $150 bonus when you sign up and open a new Checking Account with direct deposit. To get the first $50, you must apply and open a new checking account and keep the account... Keep Reading↠

The post Indiana Members Credit Union Checking Bonus: $150 Promotion (Indiana only) *Carmel Branch offer* appeared first on Bank Checking Savings.

Switching your direct deposit | A quick and easy step-by-step guide

Switching your direct deposit | A quick and easy step-by-step guide


Clark Howard

After switching to a better bank, one of the first things you’ll want to do is set up direct deposit to get your paycheck automatically sent to your new account.

150th Annual Commencement

by simeonpo @ Kentucky Wesleyan College

Commencement Week Schedule Thursday, April 26, 20186 p.m. Senior DinnerOwensboro Country Club400 E. Byers Avenue  Friday, April 27, 20181 p.m. Senior photo (in caps and gowns) on front steps of Barnard-Jones AdministrationBuilding 2 p.m. Commencement RehearsalOwensboro Convention Center501 W. Second Street  7 p.m. Baccalaureate ServiceHonor Cord CeremonyLegacy Owensboro Church3300 Frederica Street Saturday, April 28, 20188:30…

more: 150th Annual Commencement

Chase College Checking Account Review: Earn $50 Bonus

by Liz Pham @ Bank Checking Savings

Attention all incoming freshman and returning college students! Chase is offering you a chance to open a new Chase College CheckingSM account where you can earn a $50 bonus once you enroll in paperless statements and complete 10 qualifying transactions. You will also be happy knowing there is no monthly service fee from the the time you open... Keep Reading↠

The post Chase College Checking Account Review: Earn $50 Bonus appeared first on Bank Checking Savings.

Recall alert: Organic coconut flour poses salmonella risk

Recall alert: Organic coconut flour poses salmonella risk

by Craig Johnson @ clark.com

The King Arthur Flour Co. is recalling its organic coconut flour due to the potential presence of salmonella, the company has announced. People should check their cupboards for the product and take prompt action, the company said.

“Consumers who have …

Best Bank Promotions With No Direct Deposit – April 2018

Best Bank Promotions With No Direct Deposit – April 2018


Bank Checking Savings

Here are some of the best new national & local bank bonuses and promotions that requires no direct deposit. You'll be able to find the best bank deals from your state and promotional amounts to fit your needs. With banks ranging from Chase, Bank of America, Discover to more centralized banks such as U.S. Bank, Mobiloil Credit Union, there is definitely a financial institution for you to trust! Whether it be Savings or Checking, we have listed all the banks that anyone nationwide can sign up for. In fact, a few of them can be applied from the comfort of your own home! If you are interested, please continue reading and discover the best bank promotions with no direct deposit for 2018

Focus Credit Union Referral Bonus: $50 Promotion (Oklahoma only)

by John Catral @ Bank Checking Savings

Are you interested in putting more money in your pockets? Focus Credit Union is offering residents of Oklahoma a $50 bonus for you and a friend or family member when you refer them for a Checking Account with direct deposit. To get started, be sure to fill out the online referral coupon. After your friend has met... Keep Reading↠

The post Focus Credit Union Referral Bonus: $50 Promotion (Oklahoma only) appeared first on Bank Checking Savings.

Buying prescription glasses online

Buying prescription glasses online

by Clark Howard Staff @ clark.com

Did you know you can get prescription glasses for $15? Well, you can and Clark has all the info just for you!

NYC Direct Deposit

NYC Direct Deposit


NYC 311

Program provides free checking accounts to New Yorkers who directly deposit their pay.

Dollar Store Guide to Health and Wellness: Five You Should Buy, Six You Should Skip

by Makenzi Wood @ Wallet Hacks

Ahh, the dollar store. In an age where prices are soaring, it’s the beacon of thrifty shopping options for people looking to save a buck. While you can easily score cheap party decorations and glass bowls at the dollar store, it can be tough to know what is and isn’t a good deal when it […]

The post Dollar Store Guide to Health and Wellness: Five You Should Buy, Six You Should Skip appeared first on Wallet Hacks.

PNC Bank

PNC Bank


PNC

PNC has the right banking products and financial expertise for individuals, small businesses, and large institutions. Choose PNC for checking accounts, credit cards, mortgages, investing, borrowing, asset management and more — all for the achiever in you.

Clark Howard 3.23.18

by @ clark.com

Topics: Clark Stinks; There’s a massive shortage of homes in the US right now

Learn more about your ad choices. Visit megaphone.fm/adchoices

Remove access to your info by Facebook’s third-party apps in these 4 easy steps

Remove access to your info by Facebook’s third-party apps in these 4 easy steps

by Craig Johnson @ clark.com

The security of your personal information on Facebook has recently taken on heightened importance in the wake of a data sharing scandal involving a controversial firm called Cambridge Analytica.

The company is accused of accessing people’s information under questionable circumstances …

Here’s how to deactivate your Facebook account

Here’s how to deactivate your Facebook account

by Craig Johnson @ clark.com

Over the weekend, Facebook CEO Mark Zuckerberg released a full-page ad in major U.S. and U.K. newspapers apologizing for the company’s role in allowing a controversial company’s app to access users’ personal data.

“This was a breach of trust, and …

Payday Loans Longer Than 30 Days

by mrpay @ acornweb.org

In case you have ever endured money problems, do you know what it is prefer to feel worried as you have zero options. Fortunately, online Payday Loans Longer Than 30 Days exist to help individuals such as you make it through a difficult financial period in your life. However, you should have the best information […]

The Original Post Located Here: Payday Loans Longer Than 30 Days

Online Payday Loans 30 Days

by mrpay @ acornweb.org

Payday cash loans might be a saving grace or even a horrendous mistake. To ensure that you get the most from your cash advance, always become knowledgeable and comprehend the conditions and expenses. Check this out article to understand more about these types of loans and employ it to assist you create your experience a […]

The Original Post Located Here: Online Payday Loans 30 Days

How to Turn a Tax Refund Into a Fatter Paycheck

by Tina Orem @ NerdWallet

Getting a tax refund may seem great, but tax pros say it’s also a sign two things could be happening: You may not be doing enough tax planning, and you…

Quicken 2018 Review

by Jim Wang @ Wallet Hacks

Quicken is one of the oldest personal finance software packages. Quicken's origins go all the way back into the 1980s, when Scott Cook and Tom Proulx founded Intuit in Palo Alto, CA. As Intuit's history tells it, they realized that personal computers would change the way people did personal accounting. Quicken was programmed in Microsoft […]

The post Quicken 2018 Review appeared first on Wallet Hacks.

How To Get Free Checking Without Direct Deposit | Bankrate.com

How To Get Free Checking Without Direct Deposit | Bankrate.com


Bankrate

Can’t find free checking unless you sign up for direct deposit? Try this option.

About - Contact - Privacy Policy - Terms of Service