Terms of Use

Effective date: November 09, 2025

Company: Your Money Essentials (“Company”, “we”, “us”, “our”)

Website and Services: yourmoneyessentials.com and related pages, apps, workshops, community, courses, newsletters, and downloads (collectively, the “Services”).

Contact: [email protected]

PO Box 869

Mt. Pleasant, 29465

By accessing or using the Services, you agree to these Terms of Use (“Terms”). If you do not agree, do not use the Services.

1) Eligibility & Accounts

You must be at least 18 (or the age of majority in your jurisdiction).

Provide accurate information and keep your login secure. You are responsible for activity on your account.

We may refuse, suspend, or terminate accounts for any reason permitted by law.

2) Purchases, Pricing & Taxes

Prices are shown in USD and may change at any time before checkout.

You authorize us (and our payment processors) to charge your selected payment method for all purchases, including applicable taxes (e.g., sales tax)

For installment plans or subscriptions, you authorize recurring charges until canceled in accordance with these Terms.

3) Workshops, Courses & Access Windows

Workshops (Live): When you purchase a seat, you will select a cohort and format (in-person or virtual). Dates and times are listed at checkout. We may reschedule for reasons including low enrollment or force majeure; if we do, you’ll be offered a new date or a refund.

Replays: If provided, replays are typically available for a limited time after each session.

Digital Courses: Unless otherwise stated, you receive access after completing the live program. “Lifetime access” refers to the lifetime of the product, not your lifetime; if the product is retired, we will provide reasonable notice.

Community Access: Enrollment includes access during the program plus any stated extension (e.g., three months). We may change features or discontinue the community with reasonable notice.

4) Refunds, Transfers & Format Changes

Refunds: Unless a specific guarantee is stated on the checkout page, all sales are final for digital products, downloads, and workshop seats. If a money-back guarantee applies, the guarantee terms on the checkout page control.

Transfers: You may request to move to another cohort or switch format (in-person/virtual) if seats are available and within the posted window (e.g., 48 hours before Week 1).

Chargebacks: Chargebacks without first contacting support may be treated as breach. We reserve the right to pursue fees, collections, and account suspension.

5) License to You (What You Can Do)

Upon purchase, we grant you a personal, non-transferable, non-exclusive license to access the content for your own use.

You may not share logins, resell, upload, post, or otherwise distribute our content to third parties, or use it to create a competing product or service.

6) Your Content & Community Rules

You may post text, images, audio/video, and feedback (“User Content”). You retain ownership.

You grant us a worldwide, royalty-free license to host, use, display, reproduce, modify, distribute, and create derivative works of your User Content for operating and improving the Services, moderating the community, and marketing (e.g., testimonials), consistent with our Privacy Policy. You can revoke future marketing use by emailing us.

Community Guidelines: Be respectful. No harassment, hate, spam, illegal activity, or financial solicitations. No posting others’ private info. No misleading or harmful advice. We may remove content or restrict access to protect the community.

7) Recordings & Testimonials

Live sessions, workshops, and community events may be recorded. By participating, you consent to recording and to our use of the recording for replays and training. If you wish to avoid being recorded, keep your camera off and do not speak on the recording, or watch the replay.

If you submit a testimonial, review, or success story, you grant us permission to use it (with your first name and city, or as otherwise agreed) in marketing.

8) SMS/Email Communications

If you provide a phone number or email, you consent to receive messages related to your purchase, reminders, and community notifications. Message/data rates may apply.

You may opt out of promotional SMS at any time by replying STOP; reply HELP for help. Transactional messages (e.g., receipts, access links) may continue as allowed by law. See our Privacy Policy for details.

9) Prohibited Uses

You agree not to:

- Reverse engineer or interfere with the Services;

- Circumvent security or access non-public areas;

- Upload malware or infringing, unlawful, or defamatory material;

- Use the Services for financial solicitation, multi-level marketing, or to compete with us;

- Share paid content publicly, or post access links on third-party sites.

10) Intellectual Property

All content we provide including but not limited to; workbooks, videos, templates, designs, logos, text, and trademarks (“Company Content”) is owned by us or our licensors and protected by law.

No rights are granted except as expressly stated in these Terms.

11) Third-Party Links & Tools

We may link to third-party sites (e.g., Zoom, payment processors, communities). We are not responsible for their content, policies, or availability.

12) Educational Purpose; No Professional Advice

The Services are for educational purposes only. We do not provide legal, tax, accounting, investment, or financial advisory services.

You are responsible for your decisions. Always consider consulting a qualified professional for your situation.

13) Results Not Guaranteed

We do not guarantee any earnings, savings, credit score changes, or specific outcomes. Your results depend on your effort, timing, and other factors outside our control.

14) Privacy & Cookies

Our Privacy Policy explains how we collect and use your information. By using the Services, you consent to our privacy practices and cookie use.

15) Availability & Modifications

We may change or discontinue features, cohorts, or content at any time. We will try to provide reasonable notice of material changes that affect paid access.

16) Termination

You may stop using the Services at any time. We may suspend or terminate access for breach of these Terms, community misconduct, fraud, or to comply with law.

Upon termination, your license ends and you must stop using Company Content.

17) Disclaimers (As-Is)

The Services are provided “as is” and “as available” without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant uninterrupted or error-free operation, or that defects will be corrected.

18) Limitation of Liability

To the maximum extent permitted by law, we are not liable for indirect, incidental, consequential, special, exemplary, or punitive damages, or for lost profits, revenues, data, or goodwill.

Our total liability for any claim related to the Services will not exceed the amount you paid to us for the product or service giving rise to the claim in the 6 months preceding the claim.

19) Indemnification

You agree to defend, indemnify, and hold harmless the Company and its officers, directors, employees, and agents from claims, damages, losses, and expenses (including reasonable attorneys’ fees) arising from your use of the Services, your User Content, or your breach of these Terms.

20) DMCA/Copyright Complaints

If you believe content infringes your copyright, send a notice to our DMCA Agent:

DMCA Agent: Phillip Lanier, [email protected]

Include: (a) your signature; (b) identification of the work and infringing material; (c) your contact info; (d) a statement under penalty of perjury that you are authorized to act and that your claim is accurate.

21) International Use

You are responsible for complying with local laws. We may restrict access where prohibited. Export control laws may apply to certain downloads.

22) Force Majeure

We are not liable for delays or failures due to events beyond our reasonable control (e.g., natural disasters, strikes, outages, epidemics, governmental actions).

23) Governing Law; Dispute Resolution

These Terms are governed by the laws of [State/Province], [Country], without regard to conflict-of-laws rules.

Arbitration/Class Waiver (optional): Any dispute will be resolved by binding arbitration in South Carolina on an individual basis; no class actions. You may opt out within 30 days by emailing [email protected]

24) Changes to Terms

We may update these Terms at any time. The “Effective date” will change when we do. Continued use after changes means you accept the new Terms.

25) Notices

We may send legal notices to the email on your account or by posting to the website. You should keep your contact details current.

26) Miscellaneous

Severability: If a term is unenforceable, the rest remain in effect.

No waiver: Our failure to enforce a right is not a waiver.

Assignment: You may not assign your rights; we may assign ours as permitted by law.

Entire Agreement: These Terms, plus any product-specific terms and our Privacy Policy, are the entire agreement between you and us.