Copyright and Other Restrictions

We have prepared these manuals, courses, and website at as free resources to help students, faculty, and families both inside and outside the university become more financially self-reliant. As such, we encourage use of these materials under the fair use clause of the 1976 Copyright Act (See Section 107 of Chapter 1 of the Copyright Law of the United States of America). Unless otherwise noted, the individual images, text and objects from this website are available for non-profit and educational purposes, such as research, teaching and private study. For these limited purposes, you may reproduce (print, download, or make copies of) these materials without prior permission.

We encourage the free use of these materials by educational, non-profit and other institutions. Please feel free to download and copy these personal finance manuals, Learning Tools, PowerPoint presentations, and all other materials from the website as needed for your schools and colleges. We have also included lesson plans and PowerPoint presentations on the website that are used here at Brigham Young University’s Marriott School of Management to help in the teaching of these materials.

Use of a particular item for other purposes, including commercial purposes, requires prior written permission. Materials and content contained in this book and website may be protected by U.S. copyright law (Title 17, U.S.C.) and/or by the copyright or neighboring-rights laws of other nations. Additionally, the reproduction of some materials may be restricted by privacy and/or publicity rights. 

Unless otherwise indicated, the material on this site is copyright (c) Bryan Sudweeks and is shared with you under the terms of the Creative Commons Attribution-Noncommercial-Share Alike license.

You are free to share, copy, distribute and transmit the work as well as to remix or adapt the work under the following conditions:

  • Attribution - You must attribute the work in the manner specified by the author or licensor (but not in any way that suggests that they endorse you or your use of the work).
  • Noncommercial - You may not use this work for commercial purposes.
  • Share Alike - If you alter, transform, or build upon this work, you may distribute the resulting work only under the same or similar license to this one.

For any reuse or distribution, you must make clear to others the license terms of this work. The best way to do this is with a link to this web page. Any of the above conditions can be waived if you get permission from the copyright holder. Nothing in this license impairs or restricts the author's other rights.