Effective Date: January, 2025

Welcome to YoungBudgets.com! By accessing or using our website, services, and resources (collectively, the “Services”), you agree to be bound by these Terms of Service (“Terms”). Please read them carefully.

1. Acceptance of Terms

By using YoungBudgets.com, you confirm that you have read, understood, and agreed to these Terms. If you do not agree, please do not use our Services.

2. Eligibility

You must be at least 13 years old to use our Services. If you are under 18, you may only use our Services with parental or guardian consent.

3. Services Provided

YoungBudgets.com offers financial education resources, including but not limited to:

  • Budgeting courses
  • Personal coaching services
  • Live calls and community discussions
  • Digital templates and guides

These Services are for informational and educational purposes only. We do not provide professional financial, legal, or investment advice.

4. User Responsibilities

By using our Services, you agree to:

  • Provide accurate information when signing up
  • Use our resources for personal and non-commercial use
  • Not engage in any unlawful, fraudulent, or harmful activities on our platform

5. Payments and Refunds

Some Services on YoungBudgets.com require payment. By purchasing, you agree to the pricing and payment terms specified at checkout.

Refund Policy:

  • Group Courses: Refunds are available within 10 days of purchase if less than 20% of the course has been accessed.
  • Personal Coaching: No refunds after the first session has been completed.
  • Digital Downloads: All sales are final.

6. Intellectual Property

All content on YoungBudgets.com, including text, images, videos, and digital downloads, is our intellectual property. You may not copy, distribute, or modify any content without our permission.

7. Disclaimers & Liability Limitation

YoungBudgets.com is provided “as is” without warranties of any kind. We do not guarantee specific financial outcomes. You agree that we are not liable for any losses, damages, or negative financial outcomes resulting from the use of our Services.

8. Termination of Services

We reserve the right to suspend or terminate access to our Services if you violate these Terms or engage in inappropriate behavior.

9. Changes to Terms

We may update these Terms from time to time. The latest version will always be available on our website. Continued use of our Services after changes means you accept the updated Terms.

10. Contact Information

For any questions regarding these Terms, please contact us at [email protected].

Thank you for using YoungBudgets.com! Happy budgeting!