Terms of Service and

Privacy Policy

Effective Date: September 9, 2025
Last Updated: April 8, 2026
Governing Law: State of Florida, USA

TERMS OF SERVICE

1. Acceptance of Terms

By accessing, browsing, or using this website (www.plucky.money), registering for our services, creating an account, or purchasing any products or services from Plucky Money LLC ("Plucky Money," "we," "us," "our," or "Company"), you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these Terms or our Privacy Policy, you must not use our website or services.

These Terms apply to all users of our website and services, including but not limited to:

• Users who access free educational content
• Users who purchase guides, courses, or tools
• Users who purchase and use the Bill Audit Tool
• Users who purchase and use the Budget App
• Visitors who do not create an account

Your acceptance of these Terms constitutes a legally binding agreement between you and Plucky Money LLC.

2. Description of Services

Plucky Money provides:

• Educational guides, courses, and tutorials
• Financial planning tools and calculators
• Bill Audit Tool (subscription-based service)
• Budget App (subscription-based service)
• Community resources and support materials
• Email newsletters and educational content

All services are provided "as is" without warranty. See Section 12 (Limitation of Liability) and our Legal Disclaimers page for details.

3. User Registration & Account Responsibility

If you create an account with Plucky Money, you agree to:

Accuracy: Provide truthful, accurate, current, and complete information during registration. You are responsible for updating your information to keep it accurate and current.

Account Security: You are solely responsible for:

• Maintaining the confidentiality of your password
• All activity that occurs under your account
• Notifying us immediately of any unauthorized use of your account
• Any losses or damages resulting from unauthorized account access

Age & Eligibility: You represent and warrant that you are at least 18 years old (or the age of majority in your jurisdiction) or, if you are under 18, that you have obtained parental consent to use our services. We do not knowingly collect personal information from children under 13. See Section 8.9 (Children's Privacy) for details.

4. Payment Terms & Billing

Payment Processing:

• We accept payments through Stripe and WooCommerce payment gateway
• All payments are processed securely by our third-party payment processors
• You authorize us to charge your payment method for the products or services you purchase
• Payment information is encrypted and never stored on our servers
• By submitting payment information, you represent that you have the authority to use that payment method

Pricing & Charges:

• Prices are subject to change without notice, except that prices for active subscriptions will only change upon renewal with advance notice as required by law
• We may offer promotional pricing, discounts, or special offers that are subject to specific terms
• Taxes: You are responsible for any applicable sales, use, VAT, or other taxes. We will charge tax where required by law
• All prices are in USD unless otherwise specified

Billing:

• For subscription services, you will be charged on a recurring basis (monthly, annually, or as specified at purchase)
• Recurring charges will continue until you cancel your subscription
• Refund requests must be made within 30 days of purchase for guides and courses; subscription refunds follow our refund policy posted at checkout
• We reserve the right to suspend or terminate service for non-payment after providing notice

Subscription Cancellation:

• You may cancel your subscription at any time through your account settings or by contacting us
• Cancellation will take effect at the end of your current billing period
• No refunds will be issued for partial billing periods
• You remain responsible for charges incurred before cancellation is processed

Failed Payments:

• If your payment fails, we will attempt to charge your payment method again
• Repeated payment failures may result in suspension or termination of your account and services
• You are responsible for any fees charged by your bank or payment provider

5. Refund & Return Policy

Digital Products (Guides, Courses, Tools):

• Most digital products are non-refundable once access is granted
• Refunds for digital products must be requested within 30 days of purchase if you have not accessed more than 20% of the content
• Partial refunds are not available for partially consumed content

Subscription Services (Bill Audit Tool, Budget App):

• Subscription refunds are available within 14 days of purchase if you have made no significant use of the service
• "Significant use" means accessing features, importing data, or generating reports
• Refunds for subscriptions will be pro-rated if requested mid-billing period
• Cancellation of a subscription does not entitle you to a refund for the current billing period

Refund Process:

• Submit refund requests to [Insert Support Email]
• Include your order number and reason for refund
• We will process valid refunds within 5-7 business days
• Refunds will be issued to the original payment method

Non-Refundable Items:

• Affiliate purchases or third-party products
• Products purchased during promotional "final sale" periods
• Purchases made in violation of these Terms

6. Intellectual Property Rights

Ownership:
All content on our website and in our services, including but not limited to text, graphics, logos, images, videos, interactive tools, software, calculators, guides, courses, and materials ("Content"), is the exclusive property of Plucky Money LLC or is licensed to us by third parties. The Content is protected by U.S. and international copyright, trademark, and other intellectual property laws.

Your License:
We grant you a limited, non-exclusive, revocable, non-transferable license to access and use the Content solely for your personal, non-commercial use. This license does not include the right to:

• Reproduce, distribute, or transmit Content
• Modify, translate, adapt, or create derivative works
• Reverse engineer, decompile, or disassemble any tools or software
• Sell, rent, lease, or lend Content
• Use Content for commercial purposes
• Remove or alter copyright, trademark, or other proprietary notices

Third-Party Content:
Some Content may be owned by third parties and licensed to us. You may not use third-party content without their permission.

Unauthorized Use:
Unauthorized reproduction, distribution, or use of our Content violates copyright law and may result in civil and criminal liability. We actively monitor for and enforce our intellectual property rights.

7. User Conduct & Prohibited Activities

You agree not to use our website or services to:

• Violate any applicable federal, state, or local law or regulation
• Infringe upon intellectual property rights
• Harass, threaten, abuse, or harm any person or entity
• Transmit viruses, malware, or harmful code
• Spam, phish, or attempt to deceive other users
• Gain unauthorized access to systems or networks (hacking)
• Interfere with or disrupt the operation of our website or services
• Collect or track personal information of others without consent
• Engage in fraudulent or deceptive conduct
• Impersonate any person or entity
• Bypass security measures or authentication systems
• Use automated tools (bots, scrapers, crawlers) without authorization
• Resell, redistribute, or commercially exploit our services or Content

Violation Consequences:
We reserve the right to:

• Terminate your account immediately
• Delete your data
• Report violations to law enforcement
• Seek damages and attorney fees
• Pursue any other available legal remedies

8. Privacy Policy

8.1 Introduction

We respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website and services, including the Bill Audit Tool and Budget App.

Please read this Privacy Policy carefully. If you do not agree with our policies and practices, please do not use our website or services.

8.2 Information We Collect

Information You Provide:

• Account Information: Name, email address, password, phone number (optional)
• Payment Information: Billing name, address, email, payment method details (processed securely through Stripe; we do not store full payment card numbers)
• Communication Information: Messages, emails, inquiries, feedback, support requests, and other correspondence with us
• Profile Information: Demographic information, preferences, and interests you voluntarily provide
• Financial Information (for Bill Audit Tool & Budget App only):
  • Monthly income and expenses you input
  • Bill amounts, due dates, and vendor names
  • Subscription and service details you enter
  • Budget projections and financial calculations
  • NOTE: We do NOT collect or store bank account numbers, routing numbers, credit card numbers, social security numbers, or other highly sensitive credentials. If you accidentally input this information, it may be visible in your account; we recommend changing those accounts immediately
• Course & Content Access: Information about which guides, courses, or materials you access, your progress, and completion status

Automatically Collected Information:

• Device Information: Device type, operating system, browser type, browser version, IP address, device identifiers
• Usage Information: Pages visited, time spent on pages, clicks, scrolls, interactions with tools, features accessed, search queries, referring/exit pages
• Cookies & Tracking Technologies: See Section 8.7 (Cookies) for details
• Location Information: General location inferred from IP address (city, state, country level; not precise GPS coordinates)
• Analytics Data: Aggregated usage statistics, behavior patterns, and site performance metrics

Information from Third Parties:

• Payment processors (Stripe, WooCommerce): payment confirmation, billing address
• Analytics providers: usage and traffic data
• Email service providers: open rates, click rates (if applicable)
• Third-party integrations: data you authorize us to access

8.3 How We Use Your Information

We use your information for the following purposes:

Service Delivery:

• Create and maintain your account
• Process payments and manage billing
• Deliver courses, guides, tools, and services you purchase
• Provide customer support and respond to inquiries
• Track your progress in courses and tools
• Generate reports and analytics for your use (Budget App, Bill Audit Tool)

Communication:

• Send transactional emails (order confirmations, password resets, service updates)
• Send educational content, newsletters, and promotions (with your consent; you can opt-out anytime)
• Send service announcements and updates
• Respond to your inquiries and feedback
• Notify you of changes to our Terms or services

Improvement & Analytics:

• Analyze how users interact with our website and services
• Improve our content, tools, features, and user experience
• Debug and fix technical issues
• Conduct research and analytics
• Personalize content and recommendations based on your interests

Marketing:

• Create marketing campaigns and promotions
• Send promotional emails and newsletters (with your consent)
• Show you targeted advertisements (if you consent to tracking)
• Conduct market research
• You can opt-out of marketing at any time by clicking "Unsubscribe" in emails or adjusting your account preferences

Legal & Safety:

• Comply with legal obligations, court orders, and regulatory requirements
• Detect, investigate, and prevent fraudulent transactions and abuse
• Enforce our Terms of Service and other agreements
• Protect our rights, privacy, safety, and property
• Protect the rights, safety, and wellbeing of users and the public

Legitimate Business Interests:

• Prevent fraud and unauthorized use
• Improve and secure our services
• Understand usage trends and preferences
• Develop new features and services
• Manage our business operations

We do not use your information to:

• Provide financial, legal, tax, or investment advice
• Share your financial data with third-party advisors without your explicit consent
• Train AI models or language models without your consent
• Sell your personal information for money

8.4 Data Sharing & Disclosure

We do NOT sell your personal information to third parties.

We may share your information in these limited circumstances:

Service Providers:
We share information with third-party service providers who perform services on our behalf under confidentiality agreements, including:

• Payment Processors: Stripe and WooCommerce (for payment processing only)
• Email Service Providers: For sending newsletters and transactional emails
• Hosting & Infrastructure: Amazon Web Services (AWS) and other hosting providers
• Analytics: Google Analytics and similar analytics tools
• Customer Support: Support ticketing systems
• Business Services: Accounting, legal, and consulting services

These service providers are contractually required to use your information only for the purposes specified and to maintain the confidentiality and security of your data.

Legal Requirements:
We may disclose your information if required by law, court order, subpoena, or government request, including:

• Regulatory investigations or compliance audits
• Law enforcement investigations
• Fraud detection and prevention
• Protection of public safety

We will provide notice when legally permitted, except in emergency situations or when notice is prohibited by law.

Business Transfers:
If Plucky Money is involved in a merger, acquisition, bankruptcy, dissolution, reorganization, or similar transaction, your information may be transferred as part of that transaction. We will provide notice if possible.

Affiliates:
We may share aggregated or anonymized data with our affiliates for marketing and business development purposes.

With Your Consent:
We may share your information with third parties (e.g., financial advisors, coaches, or other services) if you explicitly authorize us to do so.

Aggregated & Anonymized Data:
We may share aggregated, de-identified, or anonymized data that does not identify you with partners for analytics, marketing, and research purposes.

8.5 Data Retention

We retain your personal information for as long as necessary to provide our services and fulfill the purposes outlined in this Privacy Policy, subject to applicable law.

Retention Schedule:

• Account Information: Retained while your account is active and for 90 days after account deletion (in case of restoration request); then deleted within 1 year
• Payment Information: Retained only as long as necessary for billing and reconciliation (typically 3-7 years for tax purposes); full card numbers are never stored by us
• Course/Tool Access Data: Retained while your subscription is active and for 1 year after cancellation
• Email Communications: Retained for 1 year unless required for legal compliance
• Cookies & Tracking Data: See Section 8.7
• Backup Data: May be retained in backups for up to 2 years per our disaster recovery procedures

Florida Data Breach Notification: If we reasonably believe your personal information has been accessed without authorization, we will notify you within 30 days as required by Florida law (FL Stat. § 655.059).

You may request deletion of your account and data by emailing us at [Insert Email]. We will delete or anonymize your data within 30 days unless we are required to retain it for legal compliance.

8.6 Your Rights & Privacy Controls

Access & Portability:
You have the right to request a copy of the personal information we hold about you. Submit requests to [Insert Email]. We will provide your data in a portable, machine-readable format within 45 days.

Correction:
You may correct, update, or modify your account information at any time by logging into your account or contacting us. Some information may be retained for record-keeping purposes.

Deletion:
You may request deletion of your account and associated personal information. After deletion, your data will be removed from our active systems within 30 days, though backup copies may be retained for up to 2 years. Note: We may retain anonymized data for analytics and legal compliance.

Withdrawal of Consent:
If you provided consent for marketing or tracking, you may withdraw consent at any time:

• Click "Unsubscribe" in any marketing email
• Adjust your account preferences
• Contact us at [Insert Email]

Opt-Out of Tracking:

• Disable cookies in your browser settings
• Opt-out of Google Analytics
• Do Not Track (DNT): We honor DNT browser signals where technically feasible

California (CCPA) Rights:
If you are a California resident, you have additional rights:

• Right to know what personal information is collected, used, and shared
• Right to access your personal information
• Right to delete personal information
• Right to opt-out of the sale of personal information (we do not sell data)
• Right to non-discrimination for exercising your privacy rights

Submit CCPA requests to [Insert Email]. We will respond within 45 days.

EU/EEA Residents (GDPR):
If you are in the EU or EEA, you have rights under the General Data Protection Regulation (GDPR):

• Right to access your personal data
• Right to rectify inaccurate data
• Right to erasure ("right to be forgotten")
• Right to restrict processing
• Right to data portability
• Right to object to processing
• Rights related to automated decision-making and profiling
• Right to withdraw consent at any time

Our legal basis for processing your data under GDPR includes:

• Your consent (for marketing and optional tracking)
• Contractual necessity (to provide services you purchased)
• Legal obligation (to comply with laws)
• Legitimate interests (to improve our services and prevent fraud)

If you believe your rights have been violated, you may file a complaint with your local data protection authority.

Submit GDPR requests to [Insert Email].

8.7 Cookies & Tracking Technologies

What Are Cookies?
Cookies are small text files stored on your device that remember your preferences and activity. We use cookies to:

• Keep you logged in
• Remember your preferences
• Analyze site traffic and user behavior
• Personalize content and recommendations
• Track ad performance

Types of Cookies We Use:

Essential Cookies (Required; cannot be disabled):

• Session management and authentication
• Security and fraud prevention
• Load balancing and site functionality

Functional Cookies (Improve experience):

• Remember your preferences and settings
• Maintain your browsing state

Analytical Cookies (Understand usage):

• Google Analytics: Track page views, user behavior, and traffic
• Hotjar: Record user sessions and interactions (optional)

Marketing Cookies (Track conversions and retargeting):

• Facebook Pixel: Track conversions and serve targeted ads
• Google Ads: Remarketing and conversion tracking

Third-Party Cookies:

• AdSense, ad networks, and affiliate tracking

Managing Cookies:
You can control cookies through:

• Browser settings: Most browsers allow you to disable cookies or set cookie preferences
• Our Cookie Banner: Accept/decline optional cookies when visiting
• Do Not Track (DNT): We honor DNT browser signals
• Opt-out tools: Google Analytics Opt-Out Browser Add-on

Disabling cookies may affect site functionality and your user experience.

8.8 Security Measures

We implement industry-standard security measures to protect your personal information:

Technical Safeguards:

• SSL/TLS encryption for all data in transit
• Secure HTTPS protocol for all pages
• Encrypted storage for sensitive data at rest
• Regular security audits and penetration testing
• Firewalls and intrusion detection systems
• Secure password hashing (bcrypt or similar)
• Multi-factor authentication (MFA) support for accounts

Administrative Safeguards:

• Restricted access to personal information (employees only as needed)
• Employee privacy and security training
• Background checks for staff with data access
• Confidentiality agreements with all staff

Operational Safeguards:

• Secure data disposal procedures
• Regular backup and disaster recovery testing
• Incident response plan for data breaches
• PCI DSS compliance for payment processing

NOTE: While we implement strong security measures, no system is completely secure. You are responsible for keeping your password confidential. Do not share your login credentials with others. We are not liable for unauthorized access resulting from your disclosure of your credentials.

8.9 Children's Privacy

Plucky Money services are not intended for children under 13.We do not knowingly collect personal information from children under 13. If we become aware that we have collected personal information from a child under 13, we will delete that information immediately.

Parental Controls:
If you are a parent or guardian and believe your child has provided information to us, please contact us at [Insert Email], and we will delete that information.

Age-Gating:
Our website includes age verification mechanisms. By using our services, you represent that you are at least 18 years old (or the age of majority in your jurisdiction) or have obtained parental consent.

8.10 Third-Party Links & Services

Our website may contain links to third-party websites, apps, and services. We are not responsible for the privacy practices, content, security, or policies of third-party sites. Please review the privacy policies of any third-party site before providing your information or using their services.

Affiliate Links:
Some of our links are affiliate links. If you purchase through an affiliate link, we may earn a commission. Affiliate partners may collect their own personal information according to their privacy policies.

8.11 International Data Transfers

For EU/EEA Residents:
Your personal data may be transferred to the United States for processing and storage. The U.S. has been determined by the European Commission to have an adequate level of data protection (see Schrems II). We also rely on Standard Contractual Clauses (SCCs) with our data processors to ensure adequate safeguards.

By using our services, you consent to the transfer of your data to the United States and other jurisdictions where we operate, subject to the protections described in this Privacy Policy.

8.12 Data Breach Notification

In the event of a data breach affecting your personal information:

1. We will notify you without unreasonable delay, typically within 30 days, as required by Florida and federal law
2. Notification will be by:
   • Email to the address associated with your account
   • Notice on our website
   • Other means as required by law
3. Notification will include:
   • Description of the breach
   • Types of information affected
   • Steps we took in response
   • Steps you can take to protect yourself
   • Contact information for inquiries
4. We will notify relevant regulators as required by law

Your Responsibility:
If you receive a notification of a breach, you should:

• Change your password immediately
• Monitor your accounts for suspicious activity
• Consider credit monitoring or fraud protection services
• Contact us with any questions or concerns

8.13 Do Not Track (DNT)

Some browsers include a "Do Not Track" feature. When you enable DNT, your browser sends a signal to websites requesting that they not track you. We respect DNT browser signals where technically feasible and will not deploy tracking cookies or analytics when we detect a DNT request.

8.14 Changes to Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will post the updated Privacy Policy on our website with a new "Last Updated" date.

Material changes (such as new data collection practices or sharing arrangements) will be communicated to you by:

• Email notice to registered users
• Prominent notice on our website
• Request for renewed consent if required

Continued use of our website or services after changes constitutes your acceptance of the updated Privacy Policy. We encourage you to review this policy regularly.

ADDITIONAL TERMS OF SERVICE

9. Limitation of Liability

To the maximum extent permitted by applicable law, Plucky Money LLC, its officers, directors, employees, agents, and licensors are not liable for:

• Any indirect, incidental, special, consequential, punitive, or exemplary damages
• Loss of profits, revenue, data, goodwill, or business opportunity
• Personal injury, property damage, or emotional distress
• Unauthorized access to or use of your personal information
• Errors, omissions, or inaccuracies in our Content
• Defects or failures of our website or services
• Service interruptions, outages, or system failures
• Viruses, malware, or other harmful code
• Third-party claims or actions
• Any loss or damage arising from your use of our Content, services, or third-party links
• Any result (or lack thereof) from using our educational content, tools, or services

Aggregate Liability Cap:
Even if we have been advised of the possibility of such damages, our total liability to you for all claims arising under these Terms shall not exceed the amount you paid us in the 12 months preceding the claim, or $100, whichever is less.

This limitation applies whether the claim is based on warranty, contract, tort, negligence, strict liability, or any other legal theory.

10. Assumption of Risk

You expressly assume all risks associated with:

• Using our website and services
• Relying on or acting on our educational Content
• Engaging with third-party products or services
• Financial decisions based on our tools or Content
• Transactions with third parties through our affiliate links
• Your use or misuse of any passwords, credentials, or account access

11. Indemnification

You agree to indemnify, defend, and hold harmless Plucky Money LLC, its officers, directors, employees, agents, and licensors from any and all claims, damages, losses, liabilities, and expenses (including reasonable attorney fees) arising from:

• Your use of our website or services
• Your violation of these Terms or our Privacy Policy
• Your violation of any applicable law or third-party rights
• Your misuse of our Content or tools
• Your interactions with third parties through our website
• Your actions based on our educational Content
• Any third-party claims relating to your use of our services

12. Modification of Terms & Services

We reserve the right to modify these Terms, our services, features, or policies at any time, with or without notice. Modifications are effective immediately upon posting to our website.

Material Changes:
For material changes (such as new fees, data practices, or liability provisions), we will provide notice by:

• Email to registered users
• Prominent notice on our website
• Other means as required by law

Continued Use = Acceptance:
Your continued use of our website or services after changes indicates your acceptance of the modified Terms. If you do not agree with changes, you must stop using our services.

13. Termination of Account

We may terminate or suspend your account and access to our services:

• For violation of these Terms or our Privacy Policy
• For non-payment of subscription fees
• For abuse, fraud, or illegal activity
• For use of our services in violation of applicable law
• At our sole discretion with or without cause

You may terminate your account:

• By logging in and deleting your account
• By submitting a termination request to [Insert Email]
• Account termination is effective immediately

Upon Termination:

• Your access to our services ceases
• Your data will be retained or deleted per our Privacy Policy
• Your account information will be marked as deleted in our active systems
• You remain responsible for charges incurred before termination

14. Dispute Resolution & Arbitration

Informal Resolution:
Before initiating formal proceedings, we encourage you to contact us at [Insert Email] to resolve any disputes informally. We will respond within 30 days.

Binding Arbitration:
Any dispute or claim arising under these Terms (including disputes about the validity or enforceability of this arbitration clause) shall be resolved by binding arbitration administered by JAMS (Judicial Arbitration and Mediation Services) under its Consumer Arbitration Rules, rather than in court.

Arbitration Scope:
This includes claims based on contract, tort, statute, fraud, misrepresentation, strict liability, or any other legal theory, and includes disputes about the interpretation, scope, enforceability, or validity of this arbitration clause.

Arbitration Process:

• A single arbitrator will be selected per JAMS rules
• Discovery will be permitted as needed
• The arbitrator's decision is binding and final
• Judgment on the award may be entered in any court of competent jurisdiction

Exceptions:
The following matters are excluded from arbitration:

• Claims brought in small claims court (if within jurisdiction and you comply with procedures)
• Intellectual property infringement claims
• Requests for injunctive relief to prevent harm or IP infringement

Costs:
We will pay all JAMS administration and arbitrator fees for individual actions. You pay your own attorney fees unless required by law.

No Class Action:
You agree not to bring claims on a class-action, class-representative, or representative basis. All arbitration will be conducted on an individual basis, not as a class action.

Opt-Out:
You may opt out of this arbitration clause by sending written notice to [Insert Email] within 30 days of first agreeing to these Terms. Notice must include your name, email, and address.

15. Entire Agreement & Severability

Entire Agreement:
These Terms (including our Privacy Policy and any other referenced policies) constitute the entire agreement between you and Plucky Money regarding our website and services. These Terms supersede all prior or contemporaneous agreements, discussions, and understandings.

Severability:
If any provision of these Terms is found to be invalid, unenforceable, or illegal, that provision will be modified to the minimum extent necessary to make it enforceable, or if not possible, severed. The remaining provisions remain in full force and effect.

No Waiver:
Our failure to enforce any provision does not constitute a waiver of that provision or any other provision.

16. Contact & Support

For questions about these Terms, Privacy Policy, your account, or our services:

Email: [Insert Support Email]
Mailing Address:
Plucky Money LLC
[Insert Physical Address]
Florida, USA

Response Time: We will respond to inquiries within 5 business days.

Data Subject Requests (GDPR, CCPA, etc.):
Email: [Insert Privacy Email]

17. Governing Law & Jurisdiction

These Terms and all matters relating to our website and services are governed by the laws of the State of Florida, USA, without regard to conflict of law principles.

Jurisdiction:
You consent to the exclusive jurisdiction of the state and federal courts located in Florida for any legal proceedings that are not subject to mandatory arbitration under Section 14.

Compliance:
You agree to comply with all applicable federal, state, and local laws and regulations in your use of our website and services.

18. Acknowledgment

By using Plucky Money's website and services, you acknowledge that you:

• Have read, understood, and agree to these Terms and Privacy Policy
• Accept all disclaimers outlined on our Legal Disclaimers page
• Understand that our services are for educational purposes only
• Will not hold Plucky Money liable for any outcomes or results
• Will consult qualified professionals before making financial decisions
• Are responsible for your own actions and decisions
• Agree to resolve disputes through arbitration as specified in these Terms

End of Terms of Service & Privacy Policy

Questions?
Contact us at [email protected]

Last Updated: April 8, 2026
Effective Date: September 9, 2025