Terms and Conditions


By accessing the website at https://financialfree1.wpengine.com/, you are agreeing to be bound by these terms of service, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this website are protected by applicable copyright and trademark law.

From time to time without notice and the terms of use may have changed since your last visit to this website. it is your responsibility to review these terms of use for any changes. your use after any amendments or updates of these terms of use shall signify your assent to and acceptance of such revised terms. any new features that may be added to this website from time to time will be subject to these terms of use, unless stated otherwise. you should visit this page periodically to review these terms of use.

Use License

Permission is granted to temporarily download one copy of the materials (information or software) on Intelegency’s website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

modify or copy the materials;

use the materials for any commercial purpose, or for any public display (commercial or non-commercial);

attempt to decompile or reverse engineer any software contained on Intelegency’s website;

remove any copyright or other proprietary notations from the materials; or

transfer the materials to another person or “mirror” the materials on any other server.

This license shall automatically terminate if you violate any of these restrictions and may be terminated by Intelegency at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.


The materials on Intelegency’s website are provided on an ‘as is’ basis. Intelegency makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

Further, Intelegency does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its website or otherwise relating to such materials or on any sites linked to this site.


In no event shall Intelegency or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on Intelegency’s website, even if Intelegency or a Intelegency authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

Accuracy of materials

The materials appearing on Intelegency’s website could include technical, typographical, or photographic errors. Intelegency does not warrant that any of the materials on its website are accurate, complete or current. Intelegency may make changes to the materials contained on its website at any time without notice. However Intelegency does not make any commitment to update the materials.


Intelegency has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Intelegency of the site. Use of any such linked website is at the user’s own risk.


Intelegency may revise these terms of service for its website at any time without notice. By using this website you are agreeing to be bound by the then current version of these terms of service.

Governing Law

These terms and conditions are governed by and construed in accordance with the laws of Russian Federation and you irrevocably submit to the exclusive jurisdiction of the courts in that State or location.

Intelegency.com Fees

The Website and Service is free for Users; however, Users understand and agree that Intelegency.com may receive fees for Credit Card registrations and/or by forwarding PDF request forms to applicable Vendors.

User Content

All information, whether publicly posted or privately transmitted to the Website by Users whether in forums or Social media, is the sole responsibility of such Users and not Intelegency.com.

Users acknowledge that by using the Service, they may be exposed to materials that are offensive, indecent or not accurate. Under no circumstances will Intelegency.com be liable in any way for any materials, created by users.

Calculator – Informational

These calculators are designed to be informational and educational tools only, and when used alone, do not constitute investment or financial advice. We strongly recommend that you seek the advice of a financial services professional before making any type of investment or deciding on your financial matters. This model is provided as a rough approximation of future financial performance. The results presented by this calculator are hypothetical and may not reflect the actual growth of your own investments. We can’t take into account potential lender fees; payoff schedule can be longer than in the estimation. Intelegency and its affiliates are not responsible for the consequences of any decisions or actions taken in reliance upon or as a result of the information provided by these tools. Intelegency is not responsible for any human or mechanical errors or omissions. Full Terms and Conditions here.

Request PDF forms

For certain comparison tools you are able to send the information as PDF by providing extra information. By filling extra information you are agreeing to these terms and conditions. We might forward your PDF to applicable the Vendor, who will then contact you via your preferred contact method. You hereby consent to our collecting and processing the information you provide in your PDF forms, and submitting it to the Vendor providing the Financial Product you are interested in.

Roman Zelvenschi

I started a digital marketing agency Romanz Media Group Inc. 12 years ago. Running my own business quickly taught me the importance of cash flow. Making sales was not enough, I had to have money in the bank to pay the vendors, staff and personal bills.

During those early stages of the company I learned how to get creative with debt and to save on interest cost. I paid for everything I could with a credit card to both get more points and to extend the payment date by 25 days (credit card grace period). I then utilized a 0% balance transfer offers to rotate this debt.

I learned a lot during this process and made a lot of mistakes. My key lesson is that the most important part of being financially independent is how much I managed to save, rather than how much I earned. Staying disciplined with savings and tracking spending is not easy and I tried many different methods to stay on track.

FinancialFreedom.Guru is a side project where I and my staff are trying to share the practical knowledge on how to understand finances and to build wealth.