Terms of Service

By accessing, browsing, or using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

If you are using the Service on behalf of an organization (for example, a school or district), you represent that you have authority to bind that organization to these Terms, and “you” includes that organization.

To create an account, you must be at least 18 years old. Users between 13 and 17 may only use the Service with the involvement of a parent, guardian, or teacher who has agreed to these Terms on their behalf. The Service is not directed to children under 13.

You may only use the Service if you can legally form a binding contract with LearnMoney and are not barred from doing so under applicable law.

LearnMoney provides educational content, including lessons, articles, calculators, glossary entries, milestone checklists, and an AI-powered study assistant, focused on US personal finance, taxes, and loans. We may add, change, or remove features and content at any time.

Some parts of the Service require you to sign in; others do not. Some parts may be offered under separate terms (for example, a school-district agreement); those separate terms will govern where they conflict with these Terms as to that specific offering.

All content on the Service is provided for general educational purposes only. It is not, and is not intended to be, financial, investment, tax, legal, or accounting advice. Nothing on the Service is a recommendation to buy, sell, hold, borrow, or file anything specific.

You should consult a licensed professional, such as a fiduciary financial advisor, a CPA or enrolled agent, or an attorney, about your own situation before making decisions with real financial consequences. You are solely responsible for your decisions and for any losses that result from acting on general educational content.

Numbers, rates, brackets, and legal rules cited on the Service are current only as of the date the underlying lesson was written and may change. Verify current rules with the IRS, CFPB, SEC, your state agency, or a licensed professional before acting.

The AI assistant is an educational tool. It can produce incorrect, incomplete, or outdated information; it does not know your personal situation; and it will refuse to make personalized recommendations, prepare or advise on your actual tax return, or recommend specific stocks, funds, lenders, or brokers.

Do not send the AI assistant personally identifying information, account credentials, or the content of your tax return. See our Privacy Policy §15 for how transcripts are handled.

You are responsible for the security of your account credentials and for all activity that occurs under your account. Provide accurate information and keep it up to date. Notify us promptly if you believe your account has been accessed without authorization.

You may not share your account with others, transfer it, or use another person's account without their permission.

You agree not to, and not to attempt to:

• Scrape, crawl, or bulk-download the Service using automated tools beyond ordinary browser use.
• Reverse-engineer, decompile, or extract the source code of any part of the Service.
• Use the Service to build a competing product, or to train, fine-tune, or evaluate a machine-learning model without our written permission.
• Interfere with, disrupt, or degrade the Service or the servers, networks, or other users that depend on it.
• Circumvent rate limits, access controls, or other technical protections.
• Use the Service to abuse, deceive, harass, or defraud any person, or to submit content that is illegal, infringing, hateful, or harmful.
• Impersonate any person or misrepresent your affiliation with any person or organization.
• Attempt to obtain unauthorized access to any system, account, or data.
• Use the AI assistant to generate or spread misinformation, fraud, or content that violates these Terms.

Violation of this section can result in suspension or termination of your access (see §13) and may expose you to legal liability.

“Your Content” means anything you submit through the Service, such as feedback, comments, checklist entries, and prompts to the AI assistant. You retain all rights to Your Content. You grant LearnMoney a worldwide, non-exclusive, royalty-free license to host, store, reproduce, adapt, and use Your Content solely to operate, improve, and secure the Service.

You represent that you have the right to submit Your Content and that Your Content does not violate any law or infringe any third- party rights. You are solely responsible for Your Content.

The Service and its contents, including lessons, curriculum structure, software, interactive tools, illustrations, glossary entries, standards mappings, checklists, brand marks, and the overall selection, arrangement, and expression of the content, are owned by LearnMoney or its licensors and are protected by intellectual property laws.

You may view, download, and print reasonable portions of the Service for your personal, non-commercial educational use. All other uses, including reproduction, distribution, public display, creation of derivative works, and any commercial use, require our prior written consent. Educators may share direct links and small, attributed excerpts with students in the context of a class without separate permission.

“LearnMoney” and the LearnMoney logo are trademarks of LearnMoney, LLC. Other trademarks referenced on the Service belong to their respective owners.

If you believe content on the Service infringes your copyright, please send a notice to our designated copyright agent that includes all elements required by 17 U.S.C. § 512(c)(3):

• Your physical or electronic signature.
• Identification of the copyrighted work claimed to be infringed.
• Identification of the material that is claimed to be infringing, with information reasonably sufficient to let us locate it.
• Your contact information (address, phone, email).
• A statement that you have a good-faith belief that use of the material is not authorized.
• A statement, under penalty of perjury, that the information in your notice is accurate and that you are authorized to act.

Send notices to hello@learnmoney.ai with “Attn: Copyright Agent” in the subject line. We will respond to valid notices in accordance with the DMCA and may remove or disable access to the affected material. We may terminate the accounts of repeat infringers in appropriate circumstances.

The Service may link to or embed content from third-party sites and tools (for example, IRS pages, tax tools, market data providers, or model providers powering the AI assistant). Those third parties are independent, and we do not control and are not responsible for their content, availability, or practices. Your use of a third- party site or tool is governed by that party's terms and privacy policy.

Most educational content on the Service is currently available without payment. We may introduce paid features, subscriptions, or school-district licensing in the future. When we do, the price, billing terms, renewal, and cancellation rules will be presented at the point of purchase and, once accepted by you, will form part of these Terms as to that purchase.

You may stop using the Service at any time. You may close your account by emailing hello@learnmoney.ai or, if available, by using an in-product deletion flow.

We may suspend or terminate your access, with or without notice, if we reasonably believe you have violated these Terms, if required by law, or to protect the Service or its users. On termination, rights granted to you by these Terms end, and the sections that by their nature should survive termination will survive (including §§ 4, 8, 9, 14, 15, 16, 17, 18, 20).

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

Without limiting the foregoing, LearnMoney does not warrant that the Service will be uninterrupted, secure, or error-free; that defects will be corrected; that the Service will be free of viruses or other harmful components; or that any content, including AI-assistant responses, will be accurate, complete, current, or appropriate for your situation.

Because content is educational only, LearnMoney disclaims any liability for outcomes resulting from your decisions. Some jurisdictions do not allow the exclusion of certain warranties; those exclusions may not apply to you.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LEARNMONEY AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, AND LICENSORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES; ANY LOSS OF PROFITS, REVENUES, DATA, GOODWILL, OR OPPORTUNITIES; OR ANY DAMAGES RESULTING FROM YOUR RELIANCE ON EDUCATIONAL CONTENT, WHETHER BASED ON CONTRACT, TORT, STATUTE, OR OTHERWISE, AND EVEN IF LEARNMONEY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

LEARNMONEY’S TOTAL LIABILITY FOR ALL CLAIMS RELATED TO THE SERVICE IS LIMITED TO THE GREATER OF (A) THE AMOUNT YOU PAID LEARNMONEY FOR THE SERVICE IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED US DOLLARS ($100).

Some jurisdictions do not allow the exclusion or limitation of certain damages; in those jurisdictions liability is limited to the fullest extent permitted by law.

You will indemnify, defend, and hold harmless LearnMoney and its officers, directors, employees, agents, affiliates, and licensors from and against any claim, demand, loss, or expense (including reasonable attorneys' fees) arising out of or related to (a) your use of the Service, (b) your violation of these Terms, (c) Your Content, or (d) your violation of any law or the rights of any third party.

These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-laws principles. Subject to §18, the state and federal courts located in Wilmington, Delaware have exclusive jurisdiction and venue over any dispute not subject to arbitration.

Please read this section carefully. It affects your legal rights.

Any dispute, claim, or controversy arising out of or relating to these Terms or the Service (a “Dispute”) will be resolved by binding individual arbitration administered by JAMS under its Streamlined Arbitration Rules and Procedures, and not in court, except that either party may (a) bring a small-claims-court action in the county of your residence for a Dispute within that court's jurisdiction, or (b) seek injunctive relief in court to protect intellectual property rights or account security.

Arbitration will take place in Wilmington, Delaware; the language of the arbitration will be English; and the arbitrator's award may be entered as a judgment in any court of competent jurisdiction. The Federal Arbitration Act governs the interpretation and enforcement of this arbitration agreement.

You and LearnMoney agree that any Dispute will be brought only in your or its individual capacity. You waive any right to bring a claim as a plaintiff or class member in any class, collective, representative, or private-attorney-general action, and the arbitrator may not consolidate more than one person's claims or preside over any form of representative or class proceeding. If this class-action waiver is found unenforceable, then the entirety of this §18 is null and void as to that Dispute, and the parties agree the Dispute will proceed only in court under §17.

Opt-out. You may opt out of this arbitration agreement by emailing hello@learnmoney.ai within 30 days after you first accept these Terms, with your name, the email associated with your account, and a clear statement that you wish to opt out. If you opt out, your Disputes will proceed under §17.

We may update these Terms from time to time. The “Last updated” date at the top of the document reflects the most recent change. If a change is material, we will provide additional notice (for example, an in-product banner or an email to account holders). Your continued use of the Service after changes take effect constitutes acceptance of the updated Terms. If you do not agree, stop using the Service.

• Entire agreement. These Terms, together with any policies or terms referenced in them (including the Privacy Policy), constitute the entire agreement between you and LearnMoney regarding the Service, and supersede prior agreements between us on that subject.
• Severability. If any provision is found unenforceable, the remaining provisions remain in full force.
• No waiver. Our failure to enforce a provision is not a waiver of our right to enforce it later.
• Assignment. You may not assign or transfer these Terms without our written consent. We may assign these Terms in connection with a merger, financing, acquisition, or sale of assets.
• Force majeure. Neither party is liable for failure to perform where the failure is caused by conditions beyond that party's reasonable control (natural disaster, civil unrest, labor disputes, network outages, government action, or similar events).
• Independent contractors. These Terms do not create any partnership, joint venture, employment, or agency relationship.
• Notices. We may provide notices to you by in-product message, email to the address associated with your account, or posting on the Service. Notices to us must be sent to the email address in §21.

Questions about these Terms? Contact us at:

• Email: hello@learnmoney.ai