1. Agreement to Terms

These Terms and Conditions constitute a legally binding agreement between you (“you”, “user”) and MoneyForge.com (“we”, “us”, “our”), concerning your access to and use of https://moneyforge.com (the “Site”) and any related services, content, tools, courses, newsletters, or products (collectively, the “Services”).

By accessing or using the Site or Services, you agree that you have read, understood, and agree to be bound by these Terms. If you do not agree, you must not use the Site or Services.

2. Eligibility

You must be at least 18 years old (or the age of majority in your jurisdiction) to use the Site and Services. By using the Site, you represent and warrant that you meet this requirement and have the legal capacity to enter into these Terms.

3. Intellectual Property

All content on the Site — including text, graphics, logos, videos, courses, templates, articles, and tools — is owned by MoneyForge.com or its licensors and protected by copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and view the content for personal, non-commercial use only. You may not reproduce, distribute, modify, create derivative works from, publicly display, or exploit any content without our prior written permission.

4. User Conduct

You agree not to:

• Use the Site for any unlawful purpose
• Attempt to gain unauthorized access to any part of the Site
• Interfere with or disrupt the Site or servers
• Post or transmit viruses, malware, or harmful code
• Harass, threaten, or impersonate others
• Scrape, copy, or systematically extract content

5. Paid Services & Subscriptions (if applicable)

Some Services may require payment. You agree to pay all fees in the currency and method specified at checkout. All payments are non-refundable unless expressly stated otherwise in our Refund Policy (linked separately if applicable).

Subscriptions automatically renew until canceled. You can cancel anytime via your account settings — cancellation takes effect at the end of the current billing period.

6. Disclaimers

The Site and Services are provided “as is” and “as available” without warranties of any kind, express or implied. We do not guarantee that the Site will be error-free, secure, or uninterrupted.

MoneyForge.com is for educational and informational purposes only. Nothing on the Site constitutes financial, investment, legal, tax, or professional advice. Always consult qualified professionals before making financial decisions.

7. Limitation of Liability

To the fullest extent permitted by law, MoneyForge.com, its founders, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Site or Services — even if advised of the possibility of such damages.

Our total liability shall not exceed the amount you paid us in the twelve (12) months preceding the claim (or $100, whichever is greater).

8. Indemnification

You agree to indemnify, defend, and hold harmless MoneyForge.com and its affiliates from any claims, losses, liabilities, damages, costs, and expenses (including reasonable attorneys’ fees) arising from your use of the Site, violation of these Terms, or violation of any third-party rights.

9. Governing Law & Dispute Resolution

These Terms are governed by the laws of the State of Oregon, United States, without regard to conflict of law principles.

Any disputes shall be resolved exclusively in the state or federal courts located in Portland, Oregon. You agree to submit to the personal jurisdiction of those courts.

10. Changes to Terms

We may update these Terms at any time. The updated version will be posted here with a revised “Last updated” date. Your continued use of the Site after changes constitutes acceptance of the new Terms.

11. Contact Us

If you have questions about these Terms, reach out at: