Terms of Service

These Terms of Service ("Terms") govern your access to and use of amatterofcents.com (the "Site") and any content, emails, free resources, and products provided by A Matter of Cents ("we," "us," or "our"). Please read them carefully.

1. Acceptance of These Terms

By accessing or using the Site, subscribing to our emails, or purchasing a product, you agree to be bound by these Terms and by our Privacy Policy and Disclaimer. If you do not agree, please do not use the Site. You must be at least 16 years old to use the Site.

2. License to Use the Site

We grant you a limited, personal, non-exclusive, non-transferable, revocable license to access and use the Site and its content for your own personal, non-commercial use, subject to these Terms.

3. Intellectual Property

All content on the Site — including text, articles, systems, frameworks (such as The Zero Chaos Money Plan), graphics, logos, the "A Matter of Cents" brand, and downloadable resources — is owned by us or our licensors and is protected by intellectual-property laws. You may not copy, reproduce, republish, sell, or distribute our content without our prior written permission, except that you may share short excerpts with proper attribution and a link back to the Site.

4. User Conduct

You agree not to:

• Use the Site for any unlawful purpose or in violation of these Terms.
• Copy, scrape, resell, or redistribute our content or products without permission.
• Attempt to gain unauthorized access to the Site, its servers, or any accounts.
• Introduce malware, disrupt the Site, or interfere with others' use of it.
• Misrepresent your identity or use the Site in a way that could harm us or others.

5. Email Subscriptions and Free Resources

When you subscribe or request a free resource, you agree to receive emails from us. You may unsubscribe at any time using the link in every email. Free resources are provided for your personal use and remain our intellectual property.

6. Purchases and Digital Products

We plan to offer paid digital products, including The Zero Chaos Money Plan (a $197 guided program). The following terms will apply to any purchase:

• Prices are stated at the point of sale and may change; the price shown at checkout is the price that applies to your purchase.
• Purchases grant you a personal, non-transferable license to access and use the product for your own use. You may not share, resell, or redistribute it.
• Payments are handled by a third-party payment processor. By purchasing, you agree to that processor's terms as well.
• Refunds are governed by our Refund Policy, which includes a 30-day money-back guarantee on the program once it launches.
• Digital products are educational and subject to our Disclaimer. They do not guarantee any specific financial result.

7. Third-Party Links and Tools

The Site may reference or link to third-party websites, tools, and services, some of which are affiliate links (see our Affiliate Disclosure). We are not responsible for third-party content, products, or practices, and your use of them is at your own risk and subject to their terms.

8. Disclaimer of Warranties

The Site and all content and products are provided "as is" and "as available," without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that the Site will be uninterrupted, secure, or error-free. Our content is educational only and is not professional advice; see our Disclaimer.

9. Limitation of Liability

To the fullest extent permitted by law, A Matter of Cents and its owners will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, savings, data, or goodwill, arising from your use of the Site, content, or products. Where liability cannot be excluded, our total liability to you will not exceed the amount you paid us (if any) in the twelve months before the claim.

10. Indemnification

You agree to indemnify and hold harmless A Matter of Cents and its owners from any claims, losses, or expenses (including reasonable legal fees) arising from your misuse of the Site or violation of these Terms.

11. Governing Law

These Terms are governed by the laws of the State of [Owner to specify state], without regard to its conflict-of-law rules. You agree that any dispute arising from these Terms or your use of the Site will be resolved in the state or federal courts located in [Owner to specify county and state], and you consent to their jurisdiction.

12. Changes to These Terms

We may update these Terms from time to time. When we do, we will revise the "Last updated" date above. Your continued use of the Site after changes take effect means you accept the updated Terms.

13. Contact Us

If you have questions about these Terms, reach out using the contact address below.