Terms of Use

1. Acceptance of Terms

By accessing moneylume.com, you agree to these Terms of Use and our Privacy Policy. If you disagree, stop using the site immediately. We may update these Terms at any time; continued use constitutes acceptance.

2. Not Financial Advice

All content is for general educational purposes only. It does not constitute financial, investment, tax, legal, or insurance advice. Financial regulations and rates change frequently. Always verify information with IRS.gov, CFPB.gov, and licensed professionals before acting.

3. Intellectual Property

All content — articles, guides, data, graphics, and code — is owned by MONEYlume, LLC and protected by U.S. copyright law.

Permitted: personal viewing and sharing with attribution links.

Not permitted: reproduction, bulk scraping, derivative works, or use in AI/ML training datasets without prior written permission.

Licensing inquiries: hello@moneylume.com

4. No Warranties

Content is provided "as is" without warranties of accuracy, completeness, or fitness for any purpose. We do not guarantee the site will be uninterrupted or error-free.

5. Limitation of Liability

MONEYlume, LLC shall not be liable for indirect, incidental, special, consequential, or punitive damages — including financial losses from reliance on our content. Our total liability for any claim shall not exceed $100 USD.

6. Advertiser Relationships

Some links on this site are affiliate links, disclosed in our Advertiser Disclosure. Compensation never influences our editorial ratings or recommendations.

7. Third-Party Links

External links are provided for reference only. We do not endorse or take responsibility for third-party content, accuracy, or privacy practices.

8. Prohibited Uses

• Violating any applicable law or regulation
• Scraping or bulk-downloading content via automated tools or bots
• Transmitting malware or harmful code
• Impersonating MONEYlume or any of its team
• Using our content to train AI or ML models without written permission

9. Indemnification

You agree to indemnify MONEYlume, LLC and its affiliates from any claim, loss, or expense (including reasonable attorney fees) arising from your use of the site or violation of these Terms.

10. Governing Law

These Terms are governed by the laws of the State of Delaware, United States. Disputes shall be resolved by binding arbitration under AAA rules. Either party may seek injunctive relief in court for intellectual property claims.

11. Contact