Terms of Service

By accessing or using JMarieFinances, creating an account, purchasing a product, starting a subscription, or otherwise using our website, applications, products, or services, you agree to these Terms of Service.

You must be legally capable of entering into a binding agreement in your jurisdiction to purchase products or use paid JMarieFinances services. If you use JMarieFinances on behalf of another person or organization, you represent that you have authority to do so.

Certain features may require a JMarieFinances account. You agree to provide accurate information and keep your account credentials secure.

You are responsible for activity associated with your account. If you believe your account has been accessed without authorization, contact JMarieFinances as soon as possible.

JMarieFinances sells digital products, including guides, planners, budgeting systems, workbooks, tools, applications, and other digital resources.

Unless otherwise stated, a purchase gives you a personal, non-exclusive, non-transferable license to use the digital product for your own lawful purposes.

Certain JMarieFinances products or services may be offered through recurring subscriptions. The applicable price and billing frequency will be presented before checkout.

Unless canceled before the next billing date, subscriptions may renew automatically according to the terms presented at purchase.

Canceling a subscription prevents future renewals but does not necessarily provide a refund for charges already processed.

Payments are processed through third-party payment providers such as Stripe. By submitting payment information, you authorize the applicable provider to process charges associated with your order or subscription.

Prices may change at any time. A price change will not retroactively alter a completed one-time purchase. Subscription pricing changes, when applicable, will be handled according to the terms presented to the subscriber and applicable law.

Because digital products may be delivered or made available immediately after purchase, digital purchases are generally non-refundable once access has been provided, except where required by law or where JMarieFinances determines that a refund is appropriate.

If you believe you were charged incorrectly, purchased a product more than once by mistake, or experienced a technical issue preventing access to a purchase, contact JMarieFinances Support.

JMarieFinances products, branding, graphics, text, designs, applications, digital downloads, templates, and other original materials are protected by applicable intellectual property laws.

Purchasing a product does not transfer ownership of the underlying intellectual property.

You may not copy, reproduce, resell, redistribute, sublicense, publicly share, upload, publish, reverse engineer, exploit, or otherwise use JMarieFinances products or services in a way that violates applicable law, these Terms, or our intellectual property rights.

JMarieFinances provides tools, educational materials, planning resources, and general financial information for informational and organizational purposes.

Unless explicitly stated otherwise in connection with a particular service, content available through JMarieFinances is not individualized financial, investment, tax, legal, accounting, or credit advice.

Financial decisions involve risk, and you are responsible for evaluating your own circumstances and seeking qualified professional advice when appropriate.

JMarieFinances does not guarantee any specific financial result, savings amount, credit score change, debt payoff result, business outcome, investment result, or other financial outcome from using our products or services.

JMarieFinances may rely on or link to third-party services, including payment processors, hosting providers, authentication providers, email providers, or other platforms. Those services may be governed by their own terms and policies.

We aim to keep JMarieFinances services available and functioning, but we do not guarantee uninterrupted or error-free access. Features may occasionally be unavailable because of maintenance, technical issues, third-party outages, updates, or other circumstances.

JMarieFinances may restrict, suspend, or terminate access to an account or service when reasonably necessary to address fraud, abuse, security concerns, violations of these Terms, unlawful activity, or threats to JMarieFinances or its users.

To the fullest extent permitted by applicable law, JMarieFinances will not be liable for indirect, incidental, special, consequential, or punitive damages arising from or related to use of our website, products, applications, or services.

JMarieFinances may update these Terms as our products, services, business practices, or legal obligations change. Updated Terms will be posted on this page with a revised effective date.

Questions regarding these Terms may be submitted through the JMarieFinances Contact page or by contacting us at info@jmariefinances.com.