Terms of Service

Last Updated: January 1, 2024 | Effective Date: January 1, 2024

1. Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you and Start With Cents ("we," "us," or "our") regarding your use of our website at startwithcents.org and related services.

2. Description of Service

Start With Cents provides educational content, resources, and information related to personal finance, budgeting, investing, and money management through our website, YouTube channel, email newsletters, and other digital platforms.

3. Entertainment Content Disclaimer

3.1 Not Financial Advice

ALL CONTENT IS FOR ENTERTAINMENT PURPOSES ONLY. Nothing on this website constitutes:

• Professional financial, investment, tax, or legal advice
• Personalized recommendations for your specific situation
• Guarantees of financial results or investment performance
• Professional services requiring licensure

3.2 Your Responsibility

You acknowledge that:

• You must conduct your own research before making financial decisions
• You should consult qualified professionals for personalized advice
• Past performance does not guarantee future results
• All investments carry risk of loss

4. User Conduct and Responsibilities

4.1 Acceptable Use

You agree to use our services only for lawful purposes and in accordance with these Terms. You will not:

• Violate any applicable laws or regulations
• Infringe on intellectual property rights
• Upload malicious code or attempt to hack our systems
• Spam, harass, or abuse other users
• Misrepresent your identity or credentials
• Use our content for commercial purposes without permission

4.2 Account Security

If you create an account or subscribe to our services, you are responsible for maintaining the confidentiality of your login information and for all activities under your account.

5. Intellectual Property Rights

5.1 Our Content

All content on Start With Cents, including text, graphics, logos, videos, and software, is protected by copyright, trademark, and other intellectual property laws. We retain all rights to our content.

5.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our content for personal, non-commercial purposes only.

5.3 Restrictions

You may not:

• Copy, modify, or distribute our content without permission
• Use our content for commercial purposes
• Remove copyright or proprietary notices
• Reverse engineer or attempt to extract source code

6. User-Generated Content

6.1 Your Content

When you submit comments, feedback, or other content to our website, you grant us a worldwide, royalty-free, perpetual license to use, modify, and display that content.

6.2 Content Standards

All user-generated content must be appropriate, respectful, and comply with our community guidelines. We reserve the right to remove any content that violates these standards.

7. Third-Party Links and Services

7.1 External Links

Our website may contain links to third-party websites or services. We are not responsible for the content, privacy practices, or terms of these external sites.

7.2 Affiliate Relationships

We may earn commissions from affiliate links to products or services we recommend. This does not affect the price you pay or our editorial independence.

8. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

9. Disclaimers and Limitations of Liability

9.1 Service Availability

We provide our services "as is" and "as available." We do not warrant that our services will be uninterrupted, error-free, or completely secure.

9.2 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, START WITH CENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR USE, ARISING OUT OF YOUR USE OF OUR SERVICES.

9.3 Financial Decisions

We are not liable for any financial losses or investment decisions you make based on information from our website or services.

10. Indemnification

You agree to indemnify and hold harmless Start With Cents from any claims, damages, or expenses arising from your use of our services or violation of these Terms.

11. Termination

11.1 Termination by You

You may stop using our services at any time. You can unsubscribe from email communications using the links provided in our emails.

11.2 Termination by Us

We reserve the right to suspend or terminate your access to our services for violations of these Terms or other reasons at our sole discretion.

12. Changes to Terms

We may modify these Terms at any time. Material changes will be communicated through:

• Website notification
• Email announcement to subscribers
• Updated "Last Updated" date on this page

Continued use of our services after changes constitutes acceptance of the new Terms.

13. Governing Law and Dispute Resolution

13.1 Governing Law

These Terms are governed by the laws of [Your State/Country], without regard to conflict of law principles.

13.2 Dispute Resolution

Any disputes arising under these Terms will be resolved through:

1. Informal Resolution: Good faith discussions between parties
2. Mediation: If informal resolution fails
3. Arbitration: Binding arbitration for unresolved disputes

14. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

15. Contact Information

For questions about these Terms of Service, contact us:

• Email: legal@startwithcents.org
• Website: startwithcents.org
• Response Time: We will respond within 5-7 business days