1. Agreement to These Terms

These Terms of Service (“Terms”) are an agreement between you and Graduated Money LLC, doing business as Graduated Money (“Graduated Money,” “we,” “us,” or “our”). They govern your access to and use of graduatedmoney.com, any related pages, content, emails, texts, courses, programs, memberships, communities, digital products, and other services where these Terms are posted or linked (collectively, the “Services”).

By accessing or using the Services, creating an account, submitting an application, or purchasing anything from us, you agree to these Terms and our Privacy Policy, Cookie Policy, and Disclaimer. If you do not agree, do not use the Services.

2. Who Can Use the Services

You must be legally able to enter into this agreement. If you use the Services for a business or other organization, you confirm that you have authority to bind that organization. You may not use the Services if applicable law prohibits it or if you have previously been suspended or removed by us.

3. The Graduated Money Ecosystem

Graduated Money operates a marketing, growth, educational, and digital-product business. The Services may include:

• Marketing strategy, paid advertising, email and SMS strategy, web development, creative, branding, copywriting, CRO, AI-powered systems, funnels, and related agency services.
• Courses, programs, workshops, coaching or consulting, templates, guides, downloads, trainings, communities, memberships, and other digital education products.
• Content, case studies, resources, applications, newsletters, events, and communications.

We can change, add, pause, or discontinue parts of the Services when we reasonably need to do so. We will not materially reduce paid access during an active paid period unless we provide an appropriate remedy or are permitted to do so by law.

4. Accounts, Applications, and Accurate Information

Some Services require an account, application, profile, or intake form. You agree to provide current and accurate information, protect your login credentials, and promptly notify us of unauthorized access. You are responsible for activity under your account unless applicable law says otherwise.

We may accept or decline agency applications, program enrollment, membership requests, or any other request in our discretion, subject to applicable law. An application is not a promise that we will provide services or enter a client relationship.

5. Purchases, Payments, Subscriptions, and Refunds

Prices, payment timing, what is included, and any refund terms will be presented on the applicable checkout page, order form, program page, signed agreement, or invoice. You agree to pay the amounts shown and authorize the selected payment method. Payment processing is handled by third-party processors under their terms and privacy policies. We do not store full payment-card numbers ourselves.

If you buy a recurring subscription or membership, you authorize recurring charges at the interval shown when you sign up until you cancel. You may cancel according to the instructions in your account, checkout confirmation, or program terms. Canceling stops future renewal charges, not charges already due or amounts already paid for the current period, except where applicable law or an express refund policy requires otherwise.

Digital products, courses, programs, memberships, and services may have separate refund terms stated at purchase. If no separate written refund policy applies, payments are nonrefundable to the maximum extent permitted by law once access, delivery, or performance has started. Nothing in these Terms removes a nonwaivable consumer right, including any applicable statutory cancellation right. Where a valid waiver is required for immediate delivery of digital content, we will request it separately at checkout.

You are responsible for taxes, duties, and similar charges unless we collect them by law. If a payment fails, we may suspend access, pursue permitted collection, or require another payment method.

6. Educational Content and No Guaranteed Outcome

Our education, programs, digital products, calls, templates, and content are for general informational and educational purposes. Your results depend on your offer, audience, execution, market, budget, skills, team, timing, platform decisions, and a lot of variables outside our control. We do not promise revenue, profit, leads, ad performance, business growth, employment, or any other specific result.

Case studies, testimonials, examples, screenshots, and results are real-world illustrations or individual experiences, not a promise or representation that you will get the same outcome. Read the Disclaimer for more detail.

7. Custom Agency Services

Agency work begins only when we accept the engagement and the parties enter a written agreement, statement of work, order form, or similar document. That document controls the scope, fees, deliverables, timeline, intellectual-property rights, confidentiality, approvals, and termination for that engagement. If it conflicts with these Terms, the signed document wins for that engagement.

You remain responsible for your products, offers, claims, website content, customer data, policies, account permissions, product fulfillment, legal compliance, and final approval of work. You will not ask us to publish claims, send communications, build flows, or run campaigns that are unlawful, misleading, infringing, or prohibited by a platform. Marketing platforms, ad accounts, deliverability, third-party tools, algorithms, inventory, and customer behavior are not in our control. Unless a written agreement says otherwise, we do not guarantee particular business results.

8. Limited License and Our Intellectual Property

We own the Services and all related content, designs, training, videos, copy, graphics, frameworks, templates, downloads, trademarks, logos, and other materials, except content that you or another party own. Subject to your full payment and these Terms, we grant you a limited, revocable, nonexclusive, nontransferable, non-sublicensable license to use purchased digital materials for your own personal or internal business use.

You may not copy, share, reproduce, resell, sublicense, distribute, publish, display, teach, modify, create derivative works from, scrape, reverse engineer, or make our materials available to others without our written permission. You may not share program or membership credentials, recordings, downloads, templates, or community access outside the authorized account.

9. Your Content, Feedback, and Testimonials

You keep ownership of content you submit to us. You give us a worldwide, nonexclusive, royalty-free license to host, reproduce, modify only as technically necessary, display, and use that content to provide and improve the Services, perform a client engagement, and comply with law. You promise that you have the rights needed to give this license and that your content does not violate law or another person’s rights.

If you provide feedback, suggestions, a review, or a testimonial, you allow us to use it for business, product, and marketing purposes with reasonable attribution unless we agree otherwise in writing. We will not present a testimonial in a materially misleading way.

10. Community and Acceptable Use

Keep it solid. You may not use the Services to:

• Break the law, violate privacy rights, infringe intellectual property, impersonate someone, commit fraud, or make deceptive claims.
• Harass, threaten, defame, discriminate against, or exploit another person.
• Upload malware, interfere with site security, scrape data, bypass access controls, or try to access accounts or systems without permission.
• Send spam, buy or sell access, recruit members into unrelated schemes, or use our communities mainly for unsolicited solicitation.
• Use our content or systems to create or promote illegal, discriminatory, harmful, or deceptive products, services, ads, messages, or campaigns.

We may remove content, limit participation, suspend access, or terminate an account if we reasonably believe these Terms were violated or access creates risk for the community, our clients, or the business.

11. Third-Party Services and Links

The Services may connect you to third-party platforms, payment processors, social networks, ad platforms, software, communities, or links. We do not control them and are not responsible for their content, services, availability, privacy practices, policies, or actions. Your use of third-party services is governed by their terms.

12. Copyright Concerns

If you believe content on the Services infringes your copyright, send a notice to [email protected] with your contact information, identification of the work and allegedly infringing material, a statement of good-faith belief, and a statement that the information is accurate and you are authorized to act.

13. Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AVAILABILITY, AND UNINTERRUPTED OR ERROR-FREE OPERATION. WE DO NOT WARRANT THAT CONTENT, MATERIALS, OR THIRD-PARTY SERVICES WILL BE COMPLETE, CURRENT, SECURE, OR FREE OF HARMFUL COMPONENTS.

Nothing here limits a warranty or consumer protection right that cannot lawfully be excluded.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, GRADUATED MONEY AND ITS OWNERS, TEAM MEMBERS, CONTRACTORS, PARTNERS, AND SUPPLIERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST REVENUE, LOST DATA, LOST GOODWILL, OR BUSINESS INTERRUPTION, ARISING FROM OR RELATED TO THE SERVICES OR THESE TERMS.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ANY CLAIM ARISING FROM OR RELATED TO THE SERVICES OR THESE TERMS WILL NOT EXCEED THE GREATER OF: (A) THE AMOUNT YOU PAID TO US FOR THE SPECIFIC SERVICE GIVING RISE TO THE CLAIM IN THE 12 MONTHS BEFORE THE EVENT, OR (B) $100 USD. This limitation does not apply where prohibited by law or to liability that cannot legally be limited.

15. Indemnification

To the maximum extent permitted by law, you will defend, indemnify, and hold harmless Graduated Money and its owners, team members, contractors, partners, and suppliers from claims, damages, liabilities, costs, and expenses, including reasonable attorneys’ fees, arising from your content, your use of the Services, your violation of these Terms, or your violation of another person’s rights or applicable law. This does not require you to indemnify us for our own fraud, willful misconduct, or liability that cannot lawfully be shifted.

16. Informal Resolution, Arbitration, and Class-Action Waiver

Please contact us first at [email protected]. Before starting arbitration or a court proceeding, the party bringing a claim must send a written notice describing the issue and requested relief, then allow 30 days to try to resolve it informally.

Except where prohibited by law, you and Graduated Money agree that any dispute arising from these Terms or the Services that is not resolved informally will be resolved by individual binding arbitration administered by the American Arbitration Association under its applicable consumer arbitration rules. Arbitration will take place in the county where you live or another mutually agreed location, or remotely when permitted. The arbitrator may award the same individual remedies a court could award. Either party may bring an individual claim in small-claims court if it qualifies.

NO CLASS ACTIONS OR JURY TRIALS. To the maximum extent permitted by law, disputes must be brought only on an individual basis, not as a plaintiff, claimant, or class member in any class, collective, consolidated, representative, private-attorney-general, or mass action. The arbitrator may not combine claims or preside over a representative proceeding. If this waiver is unenforceable as to a particular claim, that claim must proceed in court and the rest of this arbitration section remains in effect where allowed.

You may opt out of arbitration within 30 days after first accepting these Terms by emailing [email protected] with the subject line Arbitration Opt Out, your full name, the email associated with your account or purchase, and a clear statement that you opt out. Opting out does not affect any other part of these Terms.

17. Governing Law and Venue

Washington law governs these Terms and any dispute, without regard to conflict-of-law principles. For any claim allowed to proceed in court, you and Graduated Money consent to exclusive jurisdiction and venue in the state or federal courts serving King County, Washington, unless applicable law requires a different forum.

18. Changes, Termination, and General Terms

We may update these Terms from time to time. The updated version becomes effective when posted unless we state a later date. Material changes may be communicated through the site or another reasonable method. Your continued use after the effective date means you accept the updated Terms.

We may suspend or terminate access if you violate these Terms, fail to pay amounts due, create risk, or if needed to comply with law. Sections that by their nature should survive will survive, including payment obligations, intellectual property, disclaimers, liability limits, indemnity, dispute provisions, and general terms.

These Terms, together with the policies they link to and any applicable purchase or client agreement, are the entire agreement about the covered Services. If a provision is unenforceable, the rest remains effective. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent. We may assign them as part of a business transfer. Notices to us must be sent to the address below or the support email above.

19. Contact Us