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Earnest and its associated website, e-book, and resources, is a financial learning initiative of Metropolitan Bank & Trust Company (Metrobank). The contents provided or made available on this website, in the e-book, and in other forms of communication are for informational purposes only. While our content is meant to guide you along your personal finance management journey, it should not be considered formal financial advice specific to your personal situation. Any comments or opinions expressed by users on the Earnest website, the e-book, or on Earnest-managed social media pages are their own and do not represent any official view from Earnest or Metrobank. We do not make any guarantee or any other promise as to the results that may be obtained from using Earnest or any of its content. We recommend that you do further research before making critical financial decisions and seek professional advice from a certified personal finance counselor or your bank’s relationship manager if you would like formal financial advice.


When appropriate, the Earnest website, e-book, or other communications may include a link to an external website or online resource, which is governed by its own privacy policy and procedure. On this note, Earnest may not be held liable for any breach, misuse, or mishandling of your information on the external website or for any loss or damage arising from your access to it. Furthermore, the sharing of a link to an external website does not constitute an endorsement or approval of that website, or any products or services offered on that website by Earnest.



Earnest disclaims any and all liability in the event any information, commentary, analysis, opinions, advice and/or recommendations prove to be inaccurate, incomplete, or unreliable, or result in any investment or other losses.