Terms of Use

Last modified October 9th, 2025

1. Who We Are

Clever Girl Finance, Inc., a New Jersey corporation (“Clever Girl Finance,”"Clever Girl Author", "Clever Girls Know"“we,” “us,” or “our”), provides websites, courses, content, communities, and related services (collectively, the “Service”) at clevergirlfinance.com and its subdomains (the “Site”).

2. Agreement to Terms

By accessing or using the Site or Service, you agree to these Terms of Use (“Terms”) and to our Privacy Policy and Cookie Policy, each incorporated by reference.
If you do not agree, do not use the Service.

3. Eligibility

You must be 18 years or older (or 13–17 with parental or guardian consent). You represent that you have the legal capacity and authority to accept these Terms.

4. Accounts

You must provide accurate information and keep it updated. You’re responsible for all activity under your account.
You may request deletion per our Privacy Policy. We may suspend or terminate accounts for breach, misuse, or risk.

5. Educational Use Only

Our content is educational information only. Clever Girl Finance does not provide individualized financial, investment, legal, tax, or medical advice, and no fiduciary or professional-client relationship is created. Decisions you make are your own, and results are not guaranteed.

6. Acceptable Use

Do not misuse the Service, disrupt others, violate laws or rights, upload malware, or scrape/crawl the Site without our written consent. Automated access is governed by robots.txt and these Terms.

7. No AI / Machine-Learning Use

Without our prior written consent, you may not use any content from the Site or Service to develop, train, or improve artificial-intelligence or machine-learning systems, nor harvest data for such purposes. Automated access or scraping for these purposes is strictly prohibited.

8. Ownership and License

All content on the Service is owned by Clever Girl Finance or its licensors and protected by intellectual-property laws.
We grant you a limited, non-exclusive, non-transferable license to access and use the Service for your personal, non-commercial use. All other rights are reserved.

9. User Content

If you submit or post content (“User Content”), you grant Clever Girl Finance a non-exclusive, worldwide, royalty-free license to host, store, reproduce, display, perform, and distribute that content solely to operate, promote, and improve the Service.
You retain ownership and represent you have all rights and consents needed.
We may remove or moderate content at our discretion.

10. Fees, Payments & Refunds

You authorize Clever Girl Finance (or our processors) to charge your payment method for all fees and applicable taxes.
Subscriptions auto-renew until canceled.

All purchases and fees are final and non-refundable, except where required by law.
No prorated, partial, or full refunds will be issued for unused portions, missed classes, subscription cancellations, or account terminations.

Prices may change with notice. You are responsible for any card, bank, or foreign-exchange fees.

11. Third-Party Services

We may link to or integrate third-party services. Their terms and privacy policies govern your use of those services. We are not responsible for them.

12. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.”
TO THE MAXIMUM EXTENT PERMITTED BY LAW, CLEVER GIRL FINANCE DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
We do not warrant uninterrupted or error-free operation or accuracy of content.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CLEVER GIRL FINANCE WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES (INCLUDING LOST PROFITS, DATA, OR GOODWILL).
CLEVER GIRL FINANCE’S TOTAL LIABILITY FOR ALL CLAIMS WILL NOT EXCEED THE GREATER OF (A) AMOUNTS YOU PAID TO CLEVER GIRL FINANCE IN THE 12 MONTHS BEFORE THE CLAIM OR (B) $100.
These limits do not apply where prohibited by law.

14. Indemnity

You agree to indemnify and hold harmless Clever Girl Finance and its officers, directors, employees, and agents from any third-party claims arising from your misuse of the Service or violation of these Terms, except to the extent caused by Clever Girl Finance’s own negligence or willful misconduct.

15. Dispute Resolution, Arbitration & Class-Action Waiver

a. Informal Resolution. Most concerns can be resolved quickly by contacting hello@clevergirlfinance.com.

b. Binding Arbitration. If we can’t resolve a dispute informally, you and Clever Girl Finance agree to binding arbitration on an individual basis under the rules of the American Arbitration Association (AAA). The arbitration will be conducted in New Jersey (or virtually) in English. Judgment on the award may be entered in any court with jurisdiction.

c. Class Action Waiver. You and Clever Girl Finance agree that each may bring claims only in your or its individual capacity, and not as a plaintiff or class member in any purported class or representative proceeding. The arbitrator may not consolidate more than one person’s claims.

d. Exceptions. Either party may seek relief in small-claims court for disputes within its jurisdiction or for injunctive relief to protect intellectual-property or data-security rights.

e. Opt-Out. You may opt out of this arbitration clause within 30 days of first accepting these Terms by emailing legal@clevergirlfinance.com with the subject line “Arbitration Opt-Out.” Your opt-out will not affect other provisions.

16. Changes to the Service or Terms

We may modify or discontinue parts of the Service. We may update these Terms at any time; material changes will be posted with a new “Last Updated” date and, where required, additional notice. Changes apply prospectively.

17. Termination

We may suspend or terminate your access at any time for breach, misuse, or risk to the Service. Upon termination, your license ends. Sections 9–19 survive termination.

18. Governing Law & Venue

These Terms are governed by New Jersey law, without regard to conflicts of law rules. Except for arbitration and small-claims exceptions above, the state and federal courts in New Jersey have exclusive jurisdiction.

19. Miscellaneous

These Terms are the entire agreement between you and Clever Girl Finance. No assignment by you without our consent; we may assign freely. If any provision is unenforceable, the rest remain effective. No waiver occurs by non-enforcement. We’re not liable for events beyond our control (force majeure). Notices may be sent electronically.

20. Contact

Clever Girl Finance, Inc.
1 Sentry Lane, #81, Chester, NJ 07930
Email: hello@clevergirlfinance.com