Terms of Service

Welcome to The Money Friend. By accessing or using our website at themoneyfriend.com (the "Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Site.

1. Not Financial Advice

The content on this Site is for informational and educational purposes only. It is not financial advice, investment advice, tax advice, or legal advice.

The Money Friend is not a registered financial advisor, broker-dealer, tax professional, or legal professional. The information we provide — including blog posts, guides, calculator results, and product recommendations — is based on publicly available data, general financial principles, and our own research. It should not be relied upon as a substitute for professional advice tailored to your individual circumstances.

Always consult a licensed financial advisor, certified public accountant, or other qualified professional before making financial decisions. Your financial situation is unique, and the general information on our Site may not apply to your specific circumstances.

2. Calculator Disclaimer

Our financial calculators are tools designed to provide estimates and general guidance. Calculator results are based entirely on the values you input and on simplified financial models. They do not account for every variable that may affect your actual financial situation.

Calculator results:

• Are estimates only and should not be treated as guarantees or promises of specific outcomes
• May differ from actual costs, rates, payments, or returns you experience
• Do not account for all fees, taxes, insurance, or other costs that may apply in your situation
• Use generalized assumptions about interest rates, appreciation, inflation, and other financial variables
• Are not a substitute for quotes, pre-approvals, or professional financial analysis

We make no warranty that calculator results are accurate, complete, or suitable for your financial decisions. Use them as a starting point for your research, not as a final answer.

Interest rates, payments, and loan terms shown in our calculators are illustrative examples only. They do not represent an offer to lend, a commitment to make a loan, or a guarantee of any specific rate or term. Actual rates and terms are determined by lenders based on your individual credit profile and may differ from examples shown. Past performance and historical data do not guarantee future results.

2a. Fair Housing

All housing-related content, calculators, and tools on this Site are provided in compliance with the Fair Housing Act. We do not discriminate based on race, color, religion, sex, handicap, familial status, or national origin. Our calculators evaluate affordability based solely on financial inputs and do not collect or consider demographic information. Equal Housing Opportunity.

3. Affiliate Links and Compensation

Our Site contains affiliate links to financial products and services. When you click on these links and make a purchase or take a qualifying action (such as opening an account), we may earn a commission at no additional cost to you.

Our affiliate relationships do not influence our calculator results, which are driven by mathematical formulas and your inputs. Our content recommendations are based on research and publicly available information. For full details about how we earn money and how it affects our content, please read our Affiliate Disclosure page.

4. Digital Products and Templates

We sell digital products, including financial planning templates and spreadsheets, through our third-party payment processor, Lemon Squeezy.

Refund Policy

Because our products are digital goods delivered electronically, all sales are final once the product has been downloaded or access has been granted. We do not offer refunds for digital products after delivery. If you experience a technical issue that prevents you from accessing a product you purchased, please contact us and we will work to resolve the issue.

Product Accuracy

Our templates and digital products are designed to assist with financial planning and organization. They are tools, not professional advice. The calculations and frameworks within our products are based on general financial principles and may not reflect the specific rules, rates, or regulations that apply in your jurisdiction or situation. You are responsible for verifying all figures and consulting a qualified professional as needed.

License

When you purchase a digital product from The Money Friend, you receive a personal, non-transferable, non-exclusive license to use the product for your own personal or household financial planning. You may not resell, redistribute, or share purchased products with others. You may not claim our templates as your own work or remove attribution.

5. Intellectual Property

All content on this Site — including text, graphics, logos, images, calculator designs, templates, and software — is the property of The Money Friend or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.

You may:

• View and use our Site for personal, non-commercial purposes
• Share links to our content
• Print or save individual pages for personal reference

You may not:

• Reproduce, distribute, or republish our content without written permission
• Use our content to train artificial intelligence models or datasets
• Scrape, crawl, or systematically download our content
• Remove copyright notices, watermarks, or attribution
• Use our trademarks, logo, or brand name without written permission

6. Acceptable Use

When using our Site, you agree not to:

• Use the Site for any unlawful purpose or in violation of any applicable laws
• Attempt to gain unauthorized access to any part of the Site, its servers, or any systems connected to the Site
• Interfere with or disrupt the operation of the Site
• Transmit any viruses, malware, or other harmful code
• Use automated tools to access the Site in a manner that exceeds reasonable use (e.g., excessive scraping or crawling)
• Impersonate The Money Friend or misrepresent your affiliation with us

7. Third-Party Links and Services

Our Site contains links to third-party websites, products, and services. These links are provided for your convenience and do not constitute an endorsement by The Money Friend. We have no control over the content, privacy practices, or availability of third-party sites, and we are not responsible for any losses or damages arising from your use of them.

When you leave our Site by clicking a third-party link, you are subject to that site's terms of service and privacy policy, not ours.

8. Disclaimer of Warranties

Our Site and all content, tools, products, and services provided through it are offered on an "as is" and "as available" basis without warranties of any kind, either express or implied.

To the fullest extent permitted by law, The Money Friend disclaims all warranties, including but not limited to:

• Implied warranties of merchantability, fitness for a particular purpose, and non-infringement
• Warranties that the Site will be uninterrupted, error-free, or free of viruses or other harmful components
• Warranties regarding the accuracy, reliability, or completeness of any content, including calculator results, financial data, product information, or editorial content
• Warranties that financial products or services recommended on our Site will be suitable for your needs or available in your area

9. Limitation of Liability

To the maximum extent permitted by applicable law, The Money Friend, its owners, operators, contributors, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of (or inability to use) the Site, including but not limited to:

• Financial losses resulting from decisions made based on our content, calculator results, or product recommendations
• Loss of data, profits, or business opportunities
• Damages arising from third-party products or services accessed through our Site
• Damages from unauthorized access to or alteration of your data

In no event shall our total liability exceed the amount you paid to us, if any, in the twelve (12) months preceding the event giving rise to the claim. If you have not made any payment to us, our maximum liability shall be fifty dollars ($50).

10. Indemnification

You agree to indemnify, defend, and hold harmless The Money Friend, its owners, operators, and contributors from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising from your use of the Site, your violation of these Terms, or your violation of any rights of another party.

11. Governing Law and Disputes

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles. Any disputes arising under or in connection with these Terms shall be resolved through good-faith negotiation. If a dispute cannot be resolved through negotiation, it shall be submitted to binding arbitration in accordance with the rules of the American Arbitration Association.

12. Modifications to These Terms

We reserve the right to update or modify these Terms at any time. When we make changes, we will update the "Last updated" date at the top of this page. Your continued use of the Site after any changes constitutes your acceptance of the updated Terms. We encourage you to review these Terms periodically.

13. Severability

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall continue in full force and effect.

14. Entire Agreement

These Terms, together with our Privacy Policy and Affiliate Disclosure, constitute the entire agreement between you and The Money Friend regarding your use of the Site.

Contact Us

If you have questions about these Terms of Service, please contact us at:

The Money Friend
Website: themoneyfriend.com
Email: legal@themoneyfriend.com