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Terms of Service

Last updated: [insert date]
Before you publish this page: This is a starting template, not finished legal advice. Have an attorney review it — especially the refund clause below, which should match whatever policy you actually intend to honor — before this goes live. Replace every bracketed placeholder with your details.

These Terms of Service ("Terms") govern your purchase and use of the Safe Money course offered by [Business Legal Name] ("we," "us," or "our"). By purchasing or accessing the course, you agree to these Terms.

The Course

Safe Money is an educational and self-development course focused on your relationship with money. It is provided for informational and educational purposes only and does not constitute individualized financial, investment, tax, legal, or therapeutic advice. Nothing in the course creates a client relationship of any kind between you and [Business Legal Name] or Megan Lathrop beyond your enrollment as a course participant.

Purchases and Payment

The current price of the course is listed on the sales page at the time of purchase. Payment is processed through [Stripe / your payment processor]. Upon successful payment, you will receive access instructions to the course materials.

Refunds

[Insert your actual refund policy here. For example: "All sales are final and non-refundable," or a conditional policy such as "If you complete Module 1 and 2 and don't feel this is right for you, contact us within 14 days of purchase for a refund." Whatever you choose, make sure this section matches what your FAQ and sales page say, and what you're prepared to honor.]

License to Use the Materials

Upon purchase, you receive a personal, non-transferable license to access and use the course materials for your own individual use. You may not copy, resell, distribute, publicly share, or use the materials for any commercial purpose without our written permission.

Not Therapy or Financial Advice

Safe Money is educational, not therapy, and is not a substitute for working with a licensed mental health professional, financial advisor, or other qualified professional. If you are experiencing a mental health or financial crisis, please seek support from a qualified professional or emergency service before relying on this course.

Disclaimer of Warranties

The course is provided "as is" without warranties of any kind, express or implied. We do not guarantee any specific financial or personal outcome from participating in the course.

Limitation of Liability

To the fullest extent permitted by law, [Business Legal Name] shall not be liable for any indirect, incidental, or consequential damages arising from your use of the course or this website.

Changes to the Course or These Terms

We may update the course content or these Terms from time to time. Continued use of the course after changes are posted constitutes acceptance of the updated Terms.

Governing Law

These Terms are governed by the laws of [your state/country], without regard to conflict of law principles.

Contact

Questions about these Terms can be directed to hello@finanseer.com.