Welcome to Wise Mom Money. These Terms and Conditions govern your use of our website and services. We’ve written them in plain English because we believe you should understand your rights and responsibilities without needing a law degree. By using our website, you agree to these terms. If you don’t agree, please don’t use our services—though we hope you’ll stay because we’re here to help.
Acceptance of Terms
When you access Wise Mom Money, download our resources, sign up for our newsletter, or interact with our community, you’re agreeing to follow these terms. You’re also agreeing to our Privacy Policy and any other guidelines we post on specific pages. Think of these as the ground rules that help us maintain a supportive, valuable space for all single mothers.
You must be at least 18 years old to use our services. We know many single mothers are young adults, and that’s perfectly fine. We just need you to be legally able to enter into this agreement.
Using Our Website
We want you to use Wise Mom Money freely and benefit from everything we offer. You can read our articles, download our free resources, share content with others who might benefit, participate respectfully in our community features, and use our tools and calculators for your personal financial planning.
However, there are some things you cannot do with our website. Please don’t use automated tools to scrape or copy our content, attempt to hack, disable, or overwhelm our servers, use our content for commercial purposes without permission, impersonate others or misrepresent your identity, or share information that could harm other users.
Our Content and Your Rights
Everything you see on Wise Mom Money—articles, guides, templates, graphics, and tools—is protected by copyright. We own this content or have permission to use it. We’re happy to let you use our materials for personal, non-commercial purposes. This means you can print articles for your own reference, save templates for your budgeting needs, and share links with friends who might benefit.
If you want to use our content in other ways, such as republishing articles on your blog or using our materials in a financial literacy class, please contact us first. We’re usually happy to help spread financial wisdom, but we need to know how our content is being used.
Your Content and Contributions
When you share your story, leave a comment, or contribute to our community in any way, you’re giving us permission to use that contribution. We might feature your success story in an article (with your permission and privacy protected), include your question in a FAQ section, or share your tips with other community members.
You retain ownership of your contributions, but you grant us a license to use them in ways that benefit our community. We’ll always respect your privacy and never share identifying information without your explicit consent.
When contributing content, you promise that it’s your original work or you have permission to share it, it’s truthful and accurate to the best of your knowledge, it doesn’t violate anyone else’s rights, and it’s appropriate for our community of single mothers seeking financial guidance.
Financial Information Disclaimer
This is important: Wise Mom Money provides general financial education and information, not personalized financial advice. We’re not financial advisors, tax professionals, or lawyers. Our content is meant to educate and inspire, not replace professional guidance.
Your financial situation is unique, and what works for one single mother might not work for another. Always consider your specific circumstances before making financial decisions. When in doubt, consult with qualified professionals who can review your individual situation.
We can’t guarantee any specific financial outcomes. Success stories we share are real, but they represent individual experiences, not typical results. Your financial journey will be uniquely yours.
Community Guidelines
Our community thrives on mutual respect and support. When participating in comments, forums, or social media discussions, please be respectful to all members, regardless of their financial situation or choices. Share honestly but protect your privacy and that of your children. Offer support and constructive feedback, not judgment. Report any concerning behavior to our team.
We reserve the right to remove content or ban users who violate these community standards. This isn’t about censorship—it’s about maintaining a safe, supportive space for all single mothers.
Third-Party Links and Services
We often link to external resources, tools, and services that we believe could help single mothers. However, we don’t control these third-party sites. When you click a link that takes you away from Wise Mom Money, you’re subject to that site’s terms and conditions.
We try to link only to reputable sources, but we can’t guarantee the accuracy, safety, or appropriateness of external content. Always use your judgment and verify important information independently.
Account Security
If you create an account with us for newsletters or special features, you’re responsible for keeping your login information secure. Don’t share your password with anyone, and let us know immediately if you suspect unauthorized access to your account.
Choose a strong, unique password for your Wise Mom Money account. We know you have many passwords to remember, but protecting your account protects your privacy and any personal information you’ve shared with us.
Limitation of Liability
While we work hard to provide accurate, helpful information, we can’t be held liable for how you use it. Wise Mom Money, its owners, employees, and contributors won’t be responsible for any damages resulting from your use of our website or reliance on our content.
This includes direct damages (like financial losses), indirect damages (like missed opportunities), or any other type of harm that might result from using our information, even if we’ve been advised of the possibility of such damages.
We also can’t guarantee that our website will always be available or error-free. Technology sometimes fails, and we might need to perform maintenance. We’ll do our best to minimize disruptions, but we can’t promise uninterrupted access.
Indemnification
This is a legal way of saying you agree to take responsibility for your actions. If your use of our website causes legal problems or claims against us, you agree to defend us and cover any resulting costs. This protects our ability to continue serving the single mother community.
Changes to These Terms
We may update these Terms and Conditions as our services evolve or laws change. When we make significant changes, we’ll notify you through our website or email. Continuing to use Wise Mom Money after changes means you accept the new terms.
Minor changes like fixing typos or clarifying language might happen without notice. For this reason, it’s good to review these terms periodically.
Governing Law
These Terms and Conditions are governed by the laws of [Your State], United States. Any disputes will be resolved in the courts of [Your County, State]. We hope it never comes to that—we’d much rather work things out directly with you.
Accessibility
We strive to make Wise Mom Money accessible to all single mothers, including those with disabilities. If you have trouble accessing any part of our website, please let us know so we can improve.
Severability
If any part of these Terms and Conditions is found to be unenforceable, the rest remains valid. Think of it like a recipe—if one ingredient isn’t available, the rest of the dish can still work.
Entire Agreement
These Terms and Conditions, along with our Privacy Policy, represent the complete agreement between you and Wise Mom Money. Any previous understandings or agreements are replaced by these terms.