Finducation™ Terms of Service
1. Agreement to Terms
By accessing or using the Finducation ecosystem, you ("you," "your") agree to these Terms of Service and our Privacy Policy. If you do not agree, do not use the services.
2. Scope
These terms apply to the Finducation ecosystem, including:
- Finducation™ (
/) - EZBudget™ (
/budget/) - WageWise™ (
/wagewise/) - DebtDefy™ (
/debtdefy/) - CreditCardCompass™ (
/creditcardcompass/) - DTIDecode™ (
/dtidecode/) - Authentication (
/login/) - Related mobile wrappers and embedded public builds
3. Not Financial, Legal, or Tax Advice
All calculators, insights, and educational content are provided for informational and educational purposes only. They do not constitute financial, investment, legal, tax, or professional advice.
You are solely responsible for decisions made using the services. Consult qualified professionals for personalized advice. We make no guarantees regarding the accuracy, completeness, or applicability of any calculation or output.
4. Eligibility & Accounts
You must be at least 13 years old (or the equivalent minimum age in your jurisdiction) to use the services. Features requiring an account or paid subscription may require you to be at least 18 years old or the age of legal majority in your jurisdiction.
If you create an account, you are responsible for:
- Maintaining the confidentiality of your credentials
- All activity that occurs under your account
- Notifying us promptly of any unauthorized access
We reserve the right to suspend or terminate accounts at our discretion.
5. Acceptable Use
You agree not to:
- Use the services for unlawful, fraudulent, or abusive purposes
- Attempt unauthorized access, reverse engineering, scraping, or disruption
- Upload or transmit harmful code, malware, or malicious content
- Misrepresent your identity, ownership, or entitlement
- Resell, sublicense, or redistribute any part of the services without written permission
- Interfere with other users' access or experience
We may suspend or terminate access for violations without prior notice.
6. Your Data & Content
You retain ownership of any data or content you submit to the services (e.g., calculator inputs, saved scenarios). By submitting data, you grant us a limited, non-exclusive license to store, process, and display it solely to provide the services to you.
If you delete your account, we will remove your data in accordance with our Privacy Policy.
7. Subscriptions, Billing & Refunds
Some features may require paid access.
- Pricing, billing cadence, and plan terms are presented at checkout
- Payments are processed by third-party processors (e.g., Stripe)
- Subscriptions may renew automatically unless canceled before the renewal date
- You may cancel at any time through your account settings or by contacting us
- Refunds are handled according to applicable law and the terms stated at checkout
- We reserve the right to modify pricing with reasonable notice; changes apply at the next billing cycle
8. Intellectual Property
The services, branding, software, design, and content are owned by or licensed to Deseo Developers LLC ("we," "us," "our") and protected by applicable intellectual property laws.
You are granted a limited, personal, non-exclusive, non-transferable, revocable license to use the services as permitted by these terms. No other rights are granted.
9. Feedback
Any suggestions, ideas, or feedback you voluntarily provide about the services may be used by us without obligation or compensation to you.
10. Third-Party Services & Links
The ecosystem may integrate with or link to third-party services. We are not responsible for third-party content, terms, privacy practices, or availability.
11. Availability & Changes
We may modify, suspend, or discontinue any feature at any time, with or without notice. We do not guarantee uninterrupted, error-free, or secure operation. Scheduled maintenance or unforeseen outages do not entitle you to refunds unless required by law.
12. Disclaimer of Warranties
To the fullest extent permitted by law, services are provided "as is" and "as available," without warranties of any kind, express or implied, including but not limited to merchantability, fitness for a particular purpose, accuracy, or non-infringement.
13. Limitation of Liability
To the fullest extent permitted by law, Deseo Developers LLC is not liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, data, use, or goodwill arising from your use of the services.
Where liability cannot be fully excluded, our total aggregate liability shall not exceed the greater of (a) the amount you paid us in the 12 months preceding the claim, or (b) $100 USD.
14. Indemnification
You agree to defend, indemnify, and hold harmless Deseo Developers LLC, its officers, employees, and agents from any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising from your misuse of the services or violation of these terms.
15. Dispute Resolution
Any dispute arising from these terms or your use of the services shall first be attempted to be resolved through informal negotiation by contacting us. If unresolved within 30 days, either party may pursue resolution in the courts specified in Section 16.
Class action waiver: To the fullest extent permitted by law, disputes must be brought individually, not as part of any class, consolidated, or representative action.
16. Governing Law & Jurisdiction
These terms are governed by the laws of the State of Florida, United States, without regard to conflict of law principles. Any legal proceedings shall be brought in the courts located in Florida, unless otherwise required by mandatory consumer law in your jurisdiction.
17. Termination
You may stop using the services at any time. We may suspend or terminate your access for any reason, including violation of these terms, with or without notice. Upon termination, your rights under these terms cease immediately. Sections that by nature should survive (including 3, 8, 12-16, and 18) will survive termination.
18. General Provisions
Severability: If any provision is found unenforceable, the remaining provisions remain in full effect.
Entire agreement: These terms and our Privacy Policy constitute the entire agreement between you and Deseo Developers LLC regarding the services.
Waiver: Failure to enforce any provision does not constitute a waiver of that or any other provision.
Assignment: We may assign these terms; you may not without our written consent.
Electronic communications: By using the services, you consent to receiving communications from us electronically.
19. Changes to Terms
We may update these terms at any time. Material changes will be communicated through the ecosystem or via email where possible. Continued use after updates constitutes acceptance. The Last Updated date indicates the latest revision.