Terms of Use

Acceptance of these terms

By accessing or using MoneyMoodBoard, you agree to be bound by these Terms of Use, our Privacy Policy and our Editorial Disclaimer. If you do not agree, you must stop using the site.

Eligibility

The site is intended for users aged 16 or over (13 or over in jurisdictions where the local minimum is lower, such as the United States under COPPA). By using the site, you confirm you meet this age requirement and have the legal capacity to enter into this agreement.

Licence to use the site

We grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the site for personal, non-commercial purposes, subject to these terms. All other rights are reserved.

Intellectual property

All content on the site, including text, graphics, logos, code, and the "MoneyMoodBoard" name and brand, is owned by MoneyMoodBoard or its licensors and is protected by copyright, trade-mark and other intellectual property laws.

You may share short excerpts of our articles with clear attribution and a link back to the source page. You may not republish full articles, host them under another brand, or use our content to train or fine-tune machine-learning models without our prior written permission. Reproducing our calculators or tool outputs commercially is prohibited.

User submissions

When you submit information via the newsletter form, contact email or any other channel, you grant us a worldwide, royalty-free licence to use that information for the purpose of operating the service and responding to you. You confirm that the information is accurate and that you have the right to provide it.

Acceptable use

You agree not to: (a) use the site in any way that breaches applicable law; (b) probe, scan or attempt to compromise the security of the site; (c) scrape or automate access in volumes that interfere with site operation; (d) use the site to send unsolicited communications; or (e) use the site to develop or train competing products or AI models.

Third-party links and affiliate disclosure

Some links on MoneyMoodBoard are affiliate links. If you click and complete a qualifying action with the merchant, we may receive a commission at no additional cost to you. Affiliate relationships never influence our editorial coverage or rankings.

We are not responsible for the content, terms or privacy practices of third-party websites we link to. Linking does not imply endorsement.

Financial information disclaimer

MoneyMoodBoard publishes general educational information. We are not a financial adviser, broker-dealer, investment adviser, tax adviser, accountant, lawyer or insurance agent, and we do not act as a fiduciary. Nothing on the site is personalised financial, legal, tax or insurance advice. Always consult a qualified, licensed professional before making decisions about your specific situation. See our Editorial Disclaimer for the full statement.

Disclaimer of warranties

The site and its content are provided on an "as is" and "as available" basis. To the maximum extent permitted by law, we disclaim all warranties, whether express or implied, including merchantability, fitness for a particular purpose, accuracy, non-infringement and uninterrupted availability. We do not warrant that the site will be error-free or that any tool's output will be accurate for your circumstances.

Limitation of liability

To the maximum extent permitted by law, MoneyMoodBoard, its founder, contributors and service providers will not be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for lost profits, revenues, data or goodwill, arising out of or in connection with your use of the site, even if advised of the possibility.

Our aggregate liability for all claims arising out of or related to the site is limited to the greater of (a) USD 100 or (b) the amount you have paid us in the 12 months preceding the claim.

Important note for consumers in the UK and EEA: nothing in these terms limits or excludes liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be limited under applicable consumer-protection law. Your statutory rights as a consumer are not affected.

Indemnity

You agree to indemnify and hold MoneyMoodBoard harmless from any claim, loss, liability or expense (including reasonable legal fees) arising out of your breach of these terms, your misuse of the site, or your violation of any law or third-party right.

Termination

We may suspend or terminate your access to the site at any time, with or without notice, if we believe you have breached these terms or where required by law. The sections that by their nature should survive termination (intellectual property, disclaimers, limitation of liability, indemnity, governing law and dispute resolution) will survive.

Governing law and jurisdiction

For users resident in the United Kingdom or the European Economic Area, these terms are governed by the laws of England and Wales, and the courts of England and Wales have non-exclusive jurisdiction. For users resident in the United States or elsewhere, these terms are governed by the laws of the State of Delaware, USA, without regard to conflict-of-laws principles, and you consent to the personal jurisdiction of the state and federal courts located in Delaware. Mandatory consumer-protection laws of your country of residence continue to apply where they cannot be excluded.

Dispute resolution

Before filing a claim, you agree to contact us at hello@moneymoodboard.com and attempt to resolve the dispute informally for at least 30 days. EU consumers may also use the European Commission's Online Dispute Resolution platform.

Changes to these terms

We may update these terms from time to time. The "last updated" date at the top reflects the latest revision. Material changes will be highlighted on this page. Your continued use of the site after a change becomes effective constitutes acceptance.

Severability and entire agreement

If any provision of these terms is held unenforceable, the remaining provisions remain in full force. These terms, together with our Privacy Policy and Editorial Disclaimer, constitute the entire agreement between you and MoneyMoodBoard regarding the site and supersede any prior agreements.

Contact

Questions about these terms can be sent to hello@moneymoodboard.com.