Broke Is No Joke LLC is an Florida corporation that provides a platform for content creation about success, life, and other vital matters..

Broke Is No Joke LLC is not a law, tax, or education firm, and is not licensed to practice law in any state and does not provide legal advice or counsel. Anyone using any material is strongly encouraged to seek the advice of a professional.



Under no circumstances, shall Broke Is No Joke LLC or anyone else involved in administering, distributing or providing services on behalf of Broke Is No Joke LLC, be liable for any indirect, incidental, special or consequential damages, including, without limitation, loss of revenues or lost profits, or damages that result from the use of or inability to use Broke Is No Joke LLC's services, mistakes, omissions, defects or unauthorized access to Broke Is No Joke LLC's records, programs or services, even if Broke Is No Joke LLC has been advised of the possibility of such losses. Because some states do not allow the exclusion or limitation of liability for consequential or incidental damages, in such states, Broke Is No Joke LLC's liability is limited to the greatest extent permitted by law. In no event shall Broke Is No Joke LLC's liability to a customer or third party exceed the aggregate amounts paid by the customer to Broke Is No Joke LLC for the use of any single document or service.


Customer agrees that it shall indemnify, defend and hold harmless Broke Is No Joke LLC, their officers, directors, employees, agents, members and shareholders from and against any costs, expenses (including, among other expenses, reasonable attorneys' fees and expenses), losses, damages (specifically excluding consequential, exemplary, special, indirect or punitive damages), suits, claims, or liabilities incurred and arising from or relating to customer's use of Broke Is No Joke LLC's services.


We at Broke Is No Joke are committed to respecting your online privacy and recognize your need for appropriate protection and management of any information you share with us by using our web sites.

Broke Is No Joke has established the following Online Privacy Policy so that you can understand the care with which we intend to treat your information. This policy describes the overall privacy practices of Broke Is No Joke regarding information we collect on our web site and through our other Internet advertising mediums, including but not limited to email, newsletters, etc. This policy does not apply to the practices of companies that Broke Is No Joke does not own or control.

Non-Personally Identifiable Information

Broke Is No Joke collects various types of information from you to better meet your needs and to provide you with a more relevant user experience. Some of this information is collected automatically through cookies (a small text file placed on your computer) or other Internet tracking technologies. The type of information your browser or Internet session may automatically provide us with can include the browser you are using, your Internet domain, the operating system on your computer, your IP address and the URL you saw just before coming to the Broke Is No Joke site, the pages of the site you visited and the URL of the page you visited upon leaving the site.

Broke Is No Joke may also contract with reputable third-party advertising companies to serve ads on our behalf. These companies may also use cookies or other measures to collect your non-personally identifiable information.

Broke Is No Joke has a strict “anti-spam” policy for itself and its business partners and vendors. You will not receive Broke Is No Joke e-mails unless you submit your e-mail address to us or register on one of our websites to receive communications.

Personally Identifiable Information

In addition, at some of the Broke Is No Joke web sites, we collect information that you may choose to provide to us when requesting additional information from us or from one or more of our clients. Examples of personally identifiable data that you may provide to us include name, address, and email address.  If you provide personally identifiable data to us, you may later elect to have your information deleted from our files, or kept from being used for purposes other than for the service requested, by following the opt-out procedures set forth below.

How Your Collected Information is Used

The non-personally identifiable information that Broke Is No Joke collects is used for marketing and sales efforts to better target advertisements and other content in an effort to create a more personally relevant experience. The information is also used to predict responses to advertisements, and to help determine which ads perform best and which content is most appropriate for different individuals.

If you elect to provide Broke Is No Joke with personally identifiable information, we may utilize such information for marketing purposes, and this use may result in follow-up communications from Broke Is No Joke and from our clients. In addition, that information may be combined with information collected from other sources to assist with targeting ads to your preferences and behaviors, and for other Broke Is No Joke sales and marketing efforts.

Third Parties

All personally identifiable information you provide is maintained in confidence by Broke Is No Joke. There are instances, however, in which your personally identifiable and non-personally identifiable information is shared with third parties, as described below.

Your non-personally identifiable data may be shared with third-party partners of Broke Is No Joke on an anonymous basis. When you request information from Broke Is No Joke or one or more of our clients, we may transfer that information within Broke Is No Joke or route your information to our client(s), across borders and from your country or jurisdiction to other countries or jurisdictions around the world, so that they may provide the information on their product or service that you requested.

Various 3rd party providers (including search engines) collect information about persons using those services, including visits to the Broke Is No Joke site. That does not include private or other identifying information supplied by those persons in the course of using this site. Similarly, such 3rd party providers share with us corresponding information generated by visits to other web sites and internet-based online services. You may opt out of such data collection and/or sharing feature of those 3rd party providers via the account preferences settings of each one (for example: Google via its “My Activity” feature).

We may also disclose information to a third party who provides substantially similar services as the original service about which you requested more information. In such situations, we will provide you with an opportunity to opt-out of such sharing. Please be aware that Broke Is No Joke is very careful in selecting companies with whom it does business.

In addition to the above situations where your information may be shared with others, there is also the possibility that Broke Is No Joke, or part(s) of the company, may one day be purchased by, or merged with, another company. In the event of such transaction, the acquiring (or merging) company will have access to all collected personally identifiable information.

Finally, Broke Is No Joke may share your information as necessary to comply with a court order or to cooperate with government and law enforcement officials.



Wherever your personally identifiable information may be held within Broke Is No Joke or on its behalf, we intend to take reasonable and appropriate steps to protect the information you shared with us from unauthorized access or disclosure. Please note that while Broke Is No Joke will make every reasonable effort to protect your information, no transmission of data over the Internet is 100% secure.



Non-Personally Identifiable Information – Use of Cookies

Broke Is No Joke may utilize cookies to collect information about your website activities and to recall the personal information you previously shared with us. Most browsers allow you to control cookies, including whether or not to accept them and how to remove them.

You may set most browsers to notify you if you receive a cookie, or you may choose to block cookies with your browser. Blocking cookies may result in a lower quality experience for you while you are visiting Broke Is No Joke web sites.


Personally Identifiable Information

You may choose whether or not to provide personally identifiable information to Broke Is No Joke. If you choose to provide such information to Broke Is No Joke, you have the right to tell us not to make some of the uses of such information described herein or may have such information deleted in its entirety. If you no longer wish to receive our newsletters, surveys or promotional communications via email. To have your personal information completely removed from our databases without charge, simply contact us at josh@brokeisnojoke.org and provide the name of the service for which information was provided, your full name, mailing address, phone number and email address so that we may identify you in the opt-out process. Once we receive your instruction, we will promptly take corrective action.



To the extent that you do provide us with personally identifiable information,Broke Is No Joke wishes to maintain the accuracy of this information. Where we collect personally identifiable information from you on the Web, our goal is to provide a means of contacting Broke Is No Joke should you need to update or correct that information. If for any reason those means are unavailable or inaccessible, you may send updates and corrections about your personally identifiable information to josh@brokeisnojoke.org  and we will make reasonable efforts to incorporate the changes in the information that we hold as soon as practicable.


Children’s Privacy

In compliance with the Children’s Online Privacy Protection Act (COPPA), Broke Is No Joke is not structured to attract children. Accordingly, we do not intend to collect personally identifiable information from anyone we know to be under 13 years of age.


Refer a Friend

Broke Is No Joke may offer you the opportunity to easily notify a friend of the offer or information promoted on the site. If you choose to use our referral service to tell a friend about a Broke Is No Joke site, we will ask you for your friend’s personally identifiable information, including name and email address. We will automatically send your friend a one-time email inviting him or her to visit the site. Broke Is No Joke stores this information for the sole purpose of sending this one-time email and tracking the success of our referral program.

Your friend may contact us at josh@brokeisnojoke.org to request that we remove this information from our database. Our one-time email to your friend will inform him or her of this fact.



Protecting your privacy online is an evolving area, and Broke Is No Joke is constantly changing to meet these demands. If you have any comments or questions regarding our Online Privacy Policy, please contact us at josh@brokeisnojoke.org. While we cannot guarantee privacy perfection, we will address any issue to the best of our abilities as soon as practicable after you bring it to our attention.


Your Consent

By using this web site, you consent to the terms of our Online Privacy Policy and to Broke Is No Joke‘s processing of personally identifiable information for the purposes given above. Should the Online Privacy Policy change, we intend to take every reasonable step to ensure that these changes are brought to your attention by posting all changes prominently on our web site for a reasonable period of time and by amending this privacy policy.