Educational purpose
Our courses and written materials provide general personal budgeting education. They do not constitute financial, investment, tax, accounting, or legal advice, and results depend on individual circumstances and actions.
Service agreement
Terms of Use
Effective date: January 1, 2025. By using TerraGem Budgeting, you agree to these terms and to use the service thoughtfully and lawfully.
Catalog and pricing
Course descriptions and prices are presented for educational selection. A cart is a browser-based planning feature in this project and does not itself create a payment obligation.
Acceptable use
You may browse, learn, and contact support for legitimate purposes. Do not interfere with the site, attempt unauthorized access, scrape private information, misrepresent TerraGem, or use materials to deceive others.
Intellectual property
TerraGem Budgeting owns or licenses the site text, course structure, branding, and interface. You may use purchased or authorized educational materials for personal learning and may not redistribute them commercially without written permission.
Availability and limitations
We work to keep the service useful and available but do not promise uninterrupted operation or a particular financial outcome. To the extent permitted by law, TerraGem is not liable for decisions made solely from general educational content.
Contact and changes
Questions about these terms may be sent through our contact page. We may update these terms and will publish the revised effective date.