Terms of Service

Effective Date: 09/01/2025

Welcome to FinancesPlug. These Terms of Service ("Terms") govern your access to and use of the website https://www.financesplug.com (the "Site") and the educational subscription services provided by FinancesPlug (the "Services"). By accessing or using the Site and Services, you agree to comply with and be bound by these Terms. If you do not agree to these Terms, please refrain from using the Site or Services.

1. Services

  1. Description of Services:
    FinancesPlug offers an educational subscription service designed to provide information and resources on a variety of topics, including:

    • Trading

    • Investing

    • Cryptocurrency

    • Personal Finance

    • Credit Management

    • Artificial Intelligence (AI)

    • Entrepreneurship

    • Business Strategy

    • Social Media Marketing

    • Tax Planning

    • Real Estate

    • Retirement Planning

    • Life Insurance

    • E-commerce

    • Side Hustles

    • Coding

    • Funding

  2. Subscription Options:
    Users may sign up for either a free membership or a paid monthly subscription priced at $30 per month.

  3. Age Restrictions:
    There are no age restrictions for users of the Site or Services.

2. Account and User Details

  1. Account Creation:
    Users must create an account in order to access the Services.

  2. Membership Tiers:
    The Site offers two membership options:

    • Free Membership

    • Paid Membership ($30 per month)

  3. Account Termination:
    Users may terminate their accounts by canceling their subscription. Once the subscription is canceled, the account will be deactivated.

  4. User-Generated Content:
    Users may generate content through reviews, uploads, and comments, which will be collected by the Site for the purposes of improving the Services.

3. Payments and Refunds

  1. Accepted Payment Methods:
    Payments are processed through all payment methods supported by Squarespace.

  2. Refund Policy:
    All payments are final, and no refunds will be issued under any circumstances.

  3. Trial Periods, Renewals, and Recurring Billing:
    The Site may offer trial periods, automatic renewals, and recurring billing for the paid subscription. Users will be notified prior to any renewal charges.

4. Legal and Liability

  1. Personal Data Collection:
    We collect users' first and last names, as well as email addresses, for account creation and communication purposes.

  2. Cookies and Tracking Tools:
    As of the effective date of these Terms, the Site does not utilize cookies or other tracking technologies.

  3. Third-Party Services:
    The Site may integrate with third-party services such as payment processors and analytics tools. We are not responsible for the actions, policies, or practices of these third parties.

  4. User Liability:
    Users agree to use the Site and its Services at their own risk. FinancesPlug will not be liable for any direct, indirect, incidental, special, or consequential damages resulting from the use or inability to use the Site or Services.

  5. Disclaimers:
    Disclaimers regarding the accuracy of content, the absence of guarantees, and the responsibility of users for their actions are provided throughout the Site. Users are advised to review these disclaimers carefully.

5. Governing Law and Disputes

  1. Governing Law:
    These Terms will be governed by and construed in accordance with the laws of the United States.

  2. Dispute Resolution:
    Any disputes arising from these Terms or your use of the Site will be resolved through binding arbitration rather than through court proceedings. The arbitration will be conducted individually and not as part of any class action or collective proceeding. The arbitration shall take place in the user's local jurisdiction unless otherwise agreed by the parties.

  3. Class Action Waiver:
    Users agree that any disputes will be resolved on an individual basis and waive the right to participate in class actions or class-wide arbitration.

6. Miscellaneous

  1. Affiliate Links and Paid Promotions:
    The Site may contain affiliate links or paid promotions. Users acknowledge that FinancesPlug may receive compensation for certain actions taken through such links.

  2. Modifications to Terms:
    FinancesPlug reserves the right to update or modify these Terms at any time. Any material changes will be communicated via email or a prominent notice on the Site. Users are encouraged to review the Terms periodically to stay informed of any changes.

  3. No Additional Policies:
    As of the effective date of these Terms, no additional rules or policies apply.

By accessing or using the Site and Services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. If you do not agree with any part of these Terms, you should immediately discontinue your use of the Site and Services.