TERMS OF USE / TERMS & CONDITIONS

Effective Date: May 29, 2026

These Terms of Use / Terms & Conditions (“Terms”) constitute a legally binding agreement between Financially Savvy Parent LLC (“Company,” “we,” “us,” or “our”) and any purchaser, user, student, parent, guardian, visitor, or other person accessing or using our Services (“you,” “your,” or “User”).

These Terms govern access to and use of:

• financiallysavvyparent.com;

• Thinkific-hosted course platforms;

• online courses;

• videos;

• downloadable materials;

• quizzes;

• certificates;

• newsletters;

• waitlists;

• lead magnets;

• surveys;

• communications;

• educational content; and

• related products, services, materials, software, websites, and offerings (collectively, the “Services”).

By purchasing, accessing, registering for, enrolling in, browsing, downloading, or using the Services, or by affirmatively agreeing to these Terms through a clickwrap, checkbox, account creation, checkout, enrollment, or similar mechanism, you agree to be legally bound by these Terms.

If you do not agree, do not use the Services.

1. ELIGIBILITY

You represent and warrant that:

• you are legally capable of entering into a binding agreement;

• all information you provide is accurate and current;

• you will comply with applicable laws; and

• you possess authority to purchase or enroll on behalf of a student where applicable.

Course purchases are intended to be made by adults, parents, guardians, or authorized purchasers.

2. PARENT / GUARDIAN RESPONSIBILITY

Certain educational content may be designed for students in grades 5–12.

However:

• minors are not intended to independently purchase Services;

• parents or guardians are expected to handle enrollment decisions;

• parents/guardians remain responsible for supervising minors where appropriate;

• parents/guardians are responsible for evaluating educational suitability.

If you purchase on behalf of a student, you represent that you possess legal authority to do so.

3. EDUCATIONAL PURPOSE ONLY — NO PROFESSIONAL ADVICE

The Services are provided solely for general educational and informational purposes.

The Services do not constitute:

• financial advice;

• investment advice;

• tax advice;

• legal advice;

• accounting advice;

• fiduciary advice;

• professional advisory services;

• individualized planning services; or

• personalized recommendations.

Content may include:

• examples;

• illustrations;

• hypothetical scenarios;

• commentary;

• sample calculations;

• demonstrations;

• educational case studies.

Such materials are educational only.

Individual circumstances differ materially.

You are solely responsible for evaluating applicability to your own circumstances.

You should consult qualified professionals before making financial, legal, tax, investment, educational, or other decisions.

4. NO ADVISOR–CLIENT OR FIDUCIARY RELATIONSHIP

Use of the Services does not create:

• advisor-client relationship;

• fiduciary relationship;

• attorney-client relationship;

• financial planner relationship;

• investment adviser relationship;

• accountant-client relationship;

• agency relationship;

• partnership;

• employment relationship; or

• joint venture.

No professional relationship is formed through purchase, enrollment, communication, or use of the Services.

5. NO GUARANTEES OR RESULTS

We make no guarantees regarding:

• educational outcomes;

• financial outcomes;

• academic performance;

• savings outcomes;

• investment performance;

• business results;

• earnings;

• future success;

• employment outcomes;

• behavioral outcomes; or

• personal results.

Any testimonials, examples, demonstrations, case studies, reviews, hypothetical illustrations, or success stories are not guarantees of future performance or results.

Past outcomes do not predict future outcomes.

Your results depend on numerous variables beyond our control.

6. SINGLE-STUDENT LICENSE

Subject to compliance with these Terms, Financially Savvy Parent LLC grants a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access eligible purchased Services.

IMPORTANT LICENSE LIMITATION

Access is licensed solely for the individual student for whom the course was purchased.

The license:

• may not be transferred;

• may not be shared;

• may not be reassigned;

• may not be copied to another user.

Without express written authorization from Financially Savvy Parent LLC, the license may not be used by:

• parents;

• siblings;

• family members;

• classmates;

• schools;

• classrooms;

• teachers;

• organizations;

• institutions;

• tutors;

• commercial entities; or

• third parties.

This restriction is important for, among other reasons, individualized educational licensing and potential ESA-related compliance considerations.

We reserve the right to suspend or terminate accounts suspected of unauthorized sharing or misuse.

7. INTELLECTUAL PROPERTY OWNERSHIP

The Services and all associated content are protected by intellectual property laws.

Unless otherwise expressly stated, Financially Savvy Parent LLC owns or controls rights relating to:

• videos;

• course content;

• lessons;

• curricula;

• downloads;

• worksheets;

• graphics;

• branding;

• text;

• presentations;

• quizzes;

• assessments;

• certificates;

• educational frameworks;

• website materials;

• software elements;

• audio;

• compilations;

• layouts; and

• related materials.

No ownership rights are transferred to you.

All rights not expressly granted are reserved.

8. PROHIBITED CONDUCT

You agree NOT to:

• share accounts;

• share logins;

• redistribute content;

• repost materials;

• copy substantial portions of content;

• upload materials publicly;

• sell or sublicense content;

• record or rebroadcast content;

• scrape content;

• data mine content;

• automate extraction;

• reverse engineer systems;

• interfere with platform operation;

• bypass security protections;

• impersonate others;

• violate laws;

• commit fraud;

• misuse educational materials.

9. AI TRAINING / SCRAPING PROHIBITION

Without prior written authorization, you may not:

• use course materials to train AI models;

• ingest content into machine-learning datasets;

• upload substantial course materials into AI systems for redistribution;

• scrape content for AI pipelines;

• create derivative AI-generated competing products from protected materials;

• mass extract content for automated processing.

Limited personal educational use of generally available consumer AI tools may be permitted only to the extent consistent with applicable law and these Terms, provided no prohibited redistribution, commercial exploitation, or unauthorized dataset creation occurs.

10. ACCOUNT SECURITY

You are responsible for:

• maintaining confidentiality of credentials;

• safeguarding passwords;

• restricting unauthorized access;

• activity occurring under your account.

You agree to notify us promptly regarding suspected unauthorized access or security incidents.

We may rely on account credentials as proof of authorized access unless circumstances reasonably indicate otherwise.

11. PRICING, PAYMENTS, AND BILLING

Prices, offerings, promotions, availability, and product configurations may change without notice.

Payments may be processed through:

• Thinkific;

• Thinkific Payments;

• Stripe;

• PayPal; or

• other processors.

You authorize applicable payment processors to charge approved transactions.

You agree to provide accurate billing information.

We are not responsible for errors, interruptions, delays, or failures caused by third-party payment processors.

12. REFUND POLICY — 30-DAY CONDITIONAL MONEY-BACK GUARANTEE

Unless otherwise stated in writing, eligible purchases may qualify for a 30-Day Conditional Money-Back Guarantee.

To be eligible:

• refund request must be submitted within thirty (30) calendar days of purchase; AND

• purchaser/student must comply with these Terms.

Refunds are NOT available if purchaser or student:

• completes more than forty percent (40%) of course content; OR

• substantially consumes, downloads, extracts, accesses, or uses significant portions of the course, downloadable materials, protected content, or educational assets.

Refund eligibility may be determined using:

• Thinkific records;

• platform analytics;

• course progress tracking;

• account activity;

• usage logs;

• download history;

• Company records; and

• related operational evidence.

We reserve discretion to investigate refund requests, suspected abuse, fraud, misuse, or policy circumvention.

Approved refunds may be administered through applicable payment providers including Thinkific, Stripe, PayPal, or other processors.

Chargeback abuse, fraudulent refund behavior, unauthorized access practices, or material misuse may result in denial of future purchases, account suspension, collection efforts where permitted, or legal action.

13. USER SUBMISSIONS, FEEDBACK, REVIEWS, TESTIMONIALS, AND COMMUNICATIONS

You may voluntarily provide:

• reviews;

• testimonials;

• ratings;

• feedback;

• survey responses;

• suggestions;

• recommendations;

• communications;

• comments;

• success stories;

• emails;

• written statements;

• photographs;

• recordings; or

• other materials (“Submissions”).

By providing Submissions, you grant Financially Savvy Parent LLC a:

worldwide, perpetual, irrevocable, non-exclusive, transferable, sublicensable, royalty-free license

to:

• use;

• reproduce;

• modify;

• edit;

• adapt;

• publish;

• distribute;

• display;

• perform;

• create derivative works from;

• translate;

• excerpt;

• combine with other materials; and

• otherwise exploit

such Submissions for:

• educational purposes;

• operational purposes;

• business purposes;

• product development;

• analytics;

• promotional purposes;

• advertising;

• marketing;

• website content;

• sales materials;

• social media;

• newsletters;

• testimonials pages;

• case studies; and

• future media or formats now known or later developed.

You represent and warrant that:

• you possess rights necessary to provide the Submission;

• your Submission does not violate law or third-party rights;

• you possess authority to grant this license.

We may:

• anonymize;

• abbreviate;

• edit for clarity or length;

• moderate;

• remove;

• decline to publish; or

• use or decline to use Submissions at our discretion.

Unless otherwise required by law or separately agreed in writing, compensation is not owed for use of Submissions.

14. PLATFORM AVAILABILITY / MODIFICATIONS

We do not guarantee uninterrupted or error-free access to the Services.

The Services may experience:

• outages;

• downtime;

• bugs;

• maintenance interruptions;

• hosting issues;

• payment interruptions;

• software problems;

• third-party failures; or

• force majeure disruptions.

We may at any time:

• modify content;

• change curriculum;

• revise lessons;

• update materials;

• discontinue features;

• alter platform design;

• change vendors;

• remove content;

• change pricing;

• suspend offerings; or

• discontinue portions of the Services.

We are not liable for operational interruptions or changes.

15. THIRD-PARTY PLATFORMS AND SERVICES

The Services may rely on third-party providers including:

• Thinkific;

• Stripe;

• PayPal;

• Google;

• Meta;

• YouTube;

• Calendly;

• Beehiiv;

• Substack;

• analytics vendors;

• hosting vendors; and

• related technology providers.

We do not control third-party platforms.

We are not responsible for:

• third-party outages;

• platform failures;

• vendor policies;

• security incidents outside our control;

• billing issues caused by providers; or

• third-party operational changes.

Use of third-party services may be governed by their own terms and policies.

16. TERMINATION / ACCOUNT SUSPENSION

We reserve the right, in our sole discretion, with or without notice, to:

• suspend access;

• terminate accounts;

• revoke licenses;

• refuse service;

• remove content;

• block transactions; or

• deny future purchases.

Grounds may include:

• Terms violations;

• account sharing;

• unauthorized license use;

• piracy;

• scraping;

• AI misuse;

• abusive conduct;

• fraud;

• chargeback abuse;

• suspected security threats;

• legal compliance concerns; or

• conduct harmful to Financially Savvy Parent LLC, users, or platforms.

Termination does not eliminate obligations accrued prior to termination.

17. DISCLAIMERS OF WARRANTIES

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES ARE PROVIDED:

“AS IS”
“AS AVAILABLE”
WITH ALL FAULTS.”

Financially Savvy Parent LLC DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• merchantability;

• fitness for a particular purpose;

• non-infringement;

• availability;

• accuracy;

• completeness;

• reliability;

• uninterrupted access;

• educational suitability;

• compatibility;

• performance; and

• error-free operation.

We do not warrant that:

• content will meet expectations;

• services will remain continuously available;

• educational materials are error-free;

• systems are immune from cyber incidents;

• downloads are free from technical issues;

• outcomes will occur.

Some jurisdictions restrict disclaimer limitations; certain provisions may apply only to the maximum extent permitted by law.

18. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

Financially Savvy Parent LLC, its owners, officers, employees, contractors, affiliates, licensors, vendors, agents, successors, and representatives shall NOT be liable for:

• indirect damages;

• incidental damages;

• consequential damages;

• punitive damages;

• exemplary damages;

• special damages;

• loss of profits;

• loss of data;

• loss of business;

• reputational harm;

• educational dissatisfaction;

• financial losses;

• investment losses;

• lost opportunities;

• technology failures; or

• similar damages.

This limitation applies regardless of legal theory, including:

• contract;

• tort;

• negligence;

• strict liability;

• statutory claims; or

• otherwise.

19. LIABILITY CAP

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

The total aggregate liability of Financially Savvy Parent LLC arising from or relating to the Services, these Terms, or any claim shall not exceed:

the amount actually paid by the claimant to Financially Savvy Parent LLC during the twelve (12) months preceding the event giving rise to the claim.

If no payment occurred, maximum liability shall be limited to $100 USD or the minimum amount required by applicable law, whichever is greater.

20. USER RESPONSIBILITY AND ASSUMPTION OF RISK

You acknowledge and agree that:

• use of educational content involves judgment and personal responsibility;

• implementation decisions remain solely yours;

• financial, educational, and personal decisions involve risk;

• you bear responsibility for your choices, actions, omissions, and reliance decisions.

You assume risks associated with use of the Services.

21. INDEMNIFICATION

You agree to defend, indemnify, and hold harmless Financially Savvy Parent LLC and its owners, affiliates, officers, contractors, licensors, representatives, and service providers from claims, liabilities, damages, losses, costs, judgments, settlements, and expenses (including reasonable attorneys’ fees) arising from or related to:

• your use of the Services;

• violation of these Terms;

• misuse of educational materials;

• infringement claims arising from your conduct;

• unauthorized sharing;

• AI misuse;

• account misuse;

• illegal conduct;

• third-party claims connected to your actions.

We reserve the right to control defense and settlement of covered matters.

22. GOVERNING LAW

These Terms shall be governed by and construed under the laws of the State of Wyoming, without regard to conflict-of-laws principles.

23. BINDING ARBITRATION AGREEMENT

PLEASE READ CAREFULLY.

Except where prohibited by law, disputes arising from or relating to:

• these Terms;

• purchases;

• Services;

• communications;

• transactions;

• educational content; or

• related relationships

shall be resolved through binding individual arbitration rather than litigation in court.

Arbitration shall be administered by an established arbitration provider selected by Financially Savvy Parent LLC.

Arbitration shall occur in Wyoming unless applicable law requires otherwise or parties mutually agree otherwise.

The arbitrator shall possess authority to determine enforceability, scope, and interpretation of this arbitration provision, except where law provides otherwise.

Judgment on an arbitration award may be entered in any court possessing jurisdiction.

24. CLASS ACTION WAIVER

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

You agree disputes shall be conducted solely on an individual basis.

You waive rights to:

• class actions;

• collective actions;

• representative actions;

• consolidated proceedings;

• private attorney general actions to the extent waivable.

No arbitrator may consolidate claims or preside over class proceedings unless law requires otherwise.

25. FORCE MAJEURE

We shall not be liable for delays, interruptions, failures, or inability to perform caused by events beyond reasonable control, including:

• natural disasters;

• internet outages;

• cyberattacks;

• labor disputes;

• software failures;

• governmental actions;

• pandemics;

• payment processor failures;

• hosting disruptions;

• platform interruptions; or

• similar events.

26. CHANGES TO TERMS

We may revise these Terms periodically.

Updated Terms become effective upon posting unless otherwise required by law.

Continued use of Services after updates constitutes acceptance of revised Terms.

27. SEVERABILITY

If any provision is found invalid, unlawful, or unenforceable, remaining provisions shall remain enforceable to the fullest extent permitted by law.

28. ENTIRE AGREEMENT

These Terms, together with incorporated policies and referenced documents (including applicable Privacy Policies, Refund Policies, and related policies), constitute the complete agreement between the parties concerning the Services.

29. CONTACT INFORMATION

Financially Savvy Parent LLC
30 N Gould St, Ste R
Sheridan, WY 82801
United States

[email protected]