Terms of service.

Last updated [June 20, 2025]

These Terms of Use (“Terms”) govern your access to and use of [CalmFinances.com] (the “Site”), including any free articles, comment areas, email newsletters, downloadable files, and members-only videos or other paid content (collectively, the “Services”). By visiting, browsing, or purchasing access to the Site, you agree to be bound by these Terms and by our Privacy Policy. If you do not accept every provision below, please discontinue use immediately.

1. Eligibility & Account Security

You must be at least 18 years old and possess the legal capacity to enter a binding contract to access or purchase Services. You are responsible for safeguarding any login credentials; do not share your password or transfer your membership. We may suspend or terminate access if we detect—at our sole discretion—account-sharing, excessive simultaneous log-ins, or other misuse.

2. Educational-Only Content — No Professional Advice

All information on the Site—text, images, charts, videos, downloads, or commentary—is provided strictly for educational and informational purposes. [Calm Finances] is not a registered investment adviser, broker-dealer, or tax professional. Nothing published constitutes financial, investment, trading, tax, accounting, or legal advice. Decisions based on information found on the Site are made solely at your own risk; consult a licensed professional before placing real trades or making financial decisions.

3. High-Risk Trading Disclosure

Trading futures, options, CFDs, cryptocurrencies, or other leveraged instruments involves substantial risk and may result in the loss of all invested capital. Past performance, whether actual or indicated by simulated historical tests, is no guarantee of future results. You acknowledge these risks and agree that [Calm Finances] shall not be liable for trading losses or other damages.

4. Intellectual Property

All content—including text, graphics, videos, logos, and downloads—is owned by [Calm Finances] or its licensors and is protected by international copyright, trademark, and other laws. You may view or print content for personal, non-commercial use only. You may not copy, republish, mirror, sell, or exploit any part of the Site without prior written permission.

5. Limited License to Paid Content

When you purchase a membership, paywalled video, and digital product we grant you a non-exclusive, non-transferable, revocable license to stream that content for your personal use. Redistribution, resale, or public display is strictly prohibited. We reserve the right to revoke access without refund if we detect unauthorized sharing or scraping of paid materials.

6. User Submissions

If you post comments, upload files, or otherwise submit content, you grant [Calm Finances] a perpetual, royalty-free license to display, modify, or distribute that content in connection with the Services. You warrant that your submission does not infringe any third-party rights or violate any law.

7. Purchases, Payment Processing & Refunds

Payments are processed through PCI-compliant providers such as Stripe or PayPal. Prices are listed in U.S. dollars unless otherwise noted and may change without prior notice.
Refund policy: Due to the digital nature of our products, all sales are final; however, if a video or download is technically defective, contact [generateherwealth@gmail.com] within seven days for resolution.

8. Affiliate Links & Third-Party Offers

Some pages contain affiliate links. We may receive a commission when you click or purchase through those links at no additional cost to you. We are not responsible for the content, accuracy, or policies of linked third-party sites. Your dealings with third parties are solely between you and that party.

9. Termination

We may suspend or terminate your account and access to the Services at any time—without refund—if we believe you have breached these Terms, engaged in fraudulent activity, or interfered with the Site’s normal operation.

10. Disclaimer of Warranties

The Site and Services are provided “as is” and “as available,” without warranties of any kind, express or implied. We disclaim all 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 free from viruses.

11. Limitation of Liability

To the fullest extent permitted by law, [Calm Finances] and its owners, employees, or agents shall not be liable for any indirect, consequential, incidental, special, or punitive damages, including lost profits or trading losses, arising out of your use of or inability to use the Services, even if advised of the possibility of such damages. Our total cumulative liability shall not exceed the amount you paid (if any) for the particular content giving rise to the claim.

12. Indemnification

You agree to indemnify and hold harmless [Calm Finances], its affiliates, and their respective officers, directors, employees, and agents from any claims, damages, liabilities, costs, or expenses (including attorneys’ fees) arising out of your violation of these Terms or misuse of the Services.

13. Governing Law & Dispute Resolution

These Terms are governed by the laws of the State of [North Carolina] without regard to conflict-of-law principles. You consent to exclusive jurisdiction and venue in the courts located in [North Carolina] for any dispute arising under these Terms. We reserve the right to seek injunctive or equitable relief in any competent court.

14. Changes to Terms

We may update these Terms at any time. Material changes will be posted on this page with a revised “Last updated” date. Continued use of the Site after changes constitutes acceptance of the revised Terms.

15. Contact

Questions about these Terms or the Services may be directed to [generateherwealth@gmail.com].