Terms of Service

Effective Date: 11/1/2025
Last updated: 11/7/2025

Welcome to My Finance Simple (“we,” “us,” “our”, “the Company”). These Terms of Service (“Terms”) govern your access to and use of our website located at myfinancessimple.com (the “Site”) and any related services we may provide (collectively, the “Service”). By accessing or using the Service, you agree to these Terms. If you do not agree, you must not use the Service.

1. Definitions

For the purposes of these Terms:

• “User”, “you”, “your” means any individual or entity accessing or using the Service.

• “Content” means any text, graphics, images, audio, video, or other material uploaded, posted, provided or made available through the Service.

• “Account” means a user account you create to access certain features of the Service (if applicable).

• “Services” means the Site and any features, content, tools or other functionality we make available to you through the Site.

2. Eligibility & User Account

• You must be at least 18 years of age (or the age of majority in your jurisdiction) to use the Service.

• If you create an Account, you agree to provide true, accurate, current and complete information and to maintain and promptly update that information if it changes.

• You are responsible for safeguarding your account credentials and for all activities that occur under your account. You must notify us immediately if you suspect any unauthorized use of your account.

3. Description of Service

We provide a financial-education and personal-finance guidance platform through the Site (for example articles, tools, tips, resources). We may update, modify, suspend or discontinue the Service (or any part of it) at any time, without prior notice or liability to you.

4. Acceptable Use & User Restrictions

You agree not to:

• Use the Service for any unlawful purpose or in violation of these Terms.

• Upload, post or transmit any Content that is illegal, harmful, threatening, abusive, harassing, defamatory, invasive of privacy or publicity rights, vulgar, obscene, hateful, racially or ethnically objectionable.

• Post Content that you do not have the right to post (for example intellectual property rights, confidentiality obligations).

• Use any robot, spider, scraper or other automated means to access or collect data from the Service unless explicitly permitted.

• Interfere with or disrupt the Service or servers or networks connected to the Service.

• Attempt to gain unauthorized access to any part of the Service, other accounts, systems or networks.

5. Content Ownership & Licenses

• All Content provided by us on the Site (excluding your User Content) is owned by us or our licensors and is protected by applicable intellectual property laws.

• You may view, download and print content for your personal, non-commercial use only, provided you retain all copyright and other proprietary notices.

• If you upload or post any content or materials (“User Content”), you grant us a worldwide, non-exclusive, royalty-free, transferable, sublicensable license to use, reproduce, distribute, prepare derivative works of, display and perform the User Content in connection with the Service and our business.

• You represent and warrant that you own or otherwise control all of the rights to your User Content and that your User Content does not violate any rights of any third party.

6. Disclaimers & No Financial Advice

The Service is for educational, informational and illustrative purposes only and should not be construed as professional financial, legal or tax advice. You should consult your own professional advisor for advice tailored to your specific circumstances.
Although we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability or suitability of the information. Use at your own risk.

7. Limitation of Liability

To the maximum extent permitted by law, in no event shall we or our affiliates, officers, directors, employees or agents be liable for:

• Any indirect, incidental, special, consequential or punitive damages (including lost profits, loss of data, business interruption) arising out of or in connection with your use of or inability to use the Service, even if we have been advised of the possibility of such damages.

• Our total liability to you for all claims arising under these Terms shall not exceed the amount you paid (if any) for using the Service or, if no payment, one hundred dollars ($100).

8. Termination

We may terminate or suspend your access to the Service, with or without notice, for any reason, including if you breach these Terms. Upon termination, your right to use the Service will immediately cease. Sections that by their nature should survive termination shall survive (for example intellectual property rights, disclaimers, limitation of liability).

9. Changes to Terms

We reserve the right to modify or replace these Terms at our sole discretion. If changes are material, we will provide notice (for example by posting a prominent notice on the Site) at least [30] days before new terms take effect. Your continued use of the Service after the effective date of the revised Terms constitutes acceptance of the changes.

10. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of California, USA, without regard to conflicts of law principles. Any dispute arising under or in connection with these Terms shall be resolved exclusively in the state or federal courts located in Inglewood, CA.
You and we each submit to the personal jurisdiction of such courts and waive any objection to jurisdiction or venue.

11. Severability & Waiver

If any provision of these Terms is held to be invalid, illegal or unenforceable, the remaining provisions shall continue in full force and effect. Our failure to enforce any right or provision in these Terms shall not constitute a waiver of such right or provision.

12. Entire Agreement

These Terms, together with any other legal notices and policies published by us on the Site (including the Privacy Policy), constitute the entire agreement between you and us concerning your use of the Service and supersede all prior or contemporaneous communications, proposals or representations, whether oral or written, between you and us with respect to the Service.

13. Contact Us

If you have any questions about these Terms, please contact us at:
Email: financessimplegroup@gmail.com
Address: 1601 Centinela Ave, Suite 5-B276, Inglewood, CA 90302
Phone: 424-253-5229