Terms of Use

Agreeing to these terms

These Terms of Use are an agreement between you and [PLACEHOLDER — legal entity name] (“Handled Money,” “we,” “us”), the publisher of handledmoney.com. By visiting or using the site, you agree to these terms. If you don't agree with them, please don't use the site — though we'd be sorry to see you go.

These terms work together with our Privacy Policy, Financial Education Disclaimer, and Affiliate Disclosure, which are incorporated into these terms by reference.

What this site is for

Handled Money publishes general financial education for a U.S. audience — articles, checklists, tools, and email content designed to help you understand money topics and think clearly about your options.

It is education, not advice. Nothing on this site is individualized investment, tax, legal, credit, or insurance advice, and nothing here is a recommendation to buy, sell, or hold any investment or financial product. Please read our Financial Education Disclaimer — it's the most important page in this section, and it explains exactly what our content is and isn't.

No professional-client relationship

Reading this site, subscribing to our emails, downloading our resources, or corresponding with us does not create an adviser-client, fiduciary, accountant-client, attorney-client, or any other professional relationship between you and Handled Money or its founder. For decisions that depend on your specific circumstances, consult an appropriately qualified and licensed professional.

Intellectual property

The content on this site — articles, guides, checklists, worksheets, graphics, and the Handled Money name and branding — is owned by Handled Money and protected by copyright, trademark, and other intellectual-property laws.

You're welcome to:

Read, download, and print content for your own personal, non-commercial use
Share links to our pages (we appreciate it)
Quote brief excerpts with clear attribution and a link back to the source

Without our prior written permission, please don't:

Republish, redistribute, or sell our content or resources
Use our content to train or build commercial products or services
Remove copyright or attribution notices
Use the Handled Money name or branding in a way that suggests endorsement or affiliation

Acceptable use

When using the site, you agree not to:

Violate any applicable law or regulation
Interfere with the site's operation or security, or attempt to gain unauthorized access to any systems or data
Scrape, harvest, or collect information about other users
Upload or transmit malicious code
Impersonate Handled Money or misrepresent your affiliation with us

Third-party links and affiliate links

We link to third-party websites, products, and services we think may be useful. We don't control those sites and aren't responsible for their content, accuracy, availability, or practices. A link is not an endorsement of everything a third party does or says.

Some links may be affiliate links, meaning we may earn a commission at no additional cost to you. How we handle that — and the editorial standards behind it — is explained in our Affiliate Disclosure.

Purchases of digital products

We may offer paid digital products (such as workbooks, planners, or courses) in the future. Specific terms for any paid product — including pricing, delivery, licensing, and refund policy — will be provided at the point of sale and will apply in addition to these terms.

Disclaimer of warranties

We work hard to keep our content accurate, current, and useful — but the site and everything on it is provided “as is” and “as available,” without warranties of any kind, express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the site will be uninterrupted, error-free, or that content will always be complete or up to date. Financial rules, rates, tax law, and product terms change often; verify anything important before acting on it.

Limitation of liability

To the fullest extent permitted by law, Handled Money and its founder, employees, and contractors will not be liable for any indirect, incidental, consequential, special, or punitive damages — including lost profits, lost savings, or investment losses — arising out of or related to your use of the site or reliance on its content, even if we've been advised of the possibility of such damages. To the extent any liability is not excludable, our total liability to you for all claims related to the site will not exceed one hundred U.S. dollars ($100).

Some jurisdictions do not allow certain exclusions or limitations, so parts of this section may not apply to you.

Governing law

These terms are governed by the laws of the State of [PLACEHOLDER — state], United States, without regard to conflict-of-law principles. Any dispute arising from these terms or the site will be brought in the state or federal courts located in [PLACEHOLDER — state], and you consent to their jurisdiction.

Changes to these terms

We may update these terms from time to time. When we do, we'll revise the “Last updated” date at the top of this page. Your continued use of the site after changes take effect means you accept the updated terms. If a change is significant, we'll aim to give notice on the site or in the newsletter.

Contact

Questions about these terms? We're happy to hear from you:

Email: [PLACEHOLDER — contact email address]
Mail: [PLACEHOLDER — business mailing address]