Terms of Use

Clever Girl Finance, Inc. (together with our affiliates, "Clever Girl Finance", "Clever Girl Author", "Clever Girls Know", "we", or "us") provides an online education service on the Clever Girl Finance website located at https://www.clevergirlfinance.com. By registering on the Site or by visiting, browsing, or using the Clever Girl Finance Service in any way, you (“user” or “you”) accept these Terms of Use (the “Terms”), which forms a binding agreement between you and Clever Girl Finance Inc.

THESE TERMS SET FORTH LEGALLY BINDING TERMS AND CONDITIONS THAT GOVERN YOUR USE OF THE SERVICE. BY ACCESSING OR USING THE SITE OR SERVICE, YOU ARE ACCEPTING THESE TERMS (ON BEHALF OF YOURSELF OR THE ENTITY THAT YOU REPRESENT), AND YOU REPRESENT AND WARRANT THAT YOU HAVE THE RIGHT, AUTHORITY, AND CAPACITY TO ENTER INTO THESE TERMS (ON BEHALF OF YOURSELF OR THE ENTITY THAT YOU REPRESENT). YOU MAY NOT ACCESS OR USE THE SITE OR SERVICE IF YOU ARE NOT AT LEAST 18 YEARS OLD (OR THE AGE OF MAJORITY IN THE JURISDICTION FROM WHICH YOU ARE ACCESSING THE SITE OR SERVICE OR ARE AT LEAST 13 YEARS OLD AND HAVE YOUR PARENT OR LEGAL GUARDIAN’S CONSENT). IF YOU DO NOT AGREE TO COMPLY WITH THESE TERMS, DO NOT ACCESS AND/OR USE THE SITE OR SERVICE.

These terms and conditions govern your use of this website (CleverGirlFinance.com) which includes any and all of our courses, resources, and tools owned (owner) by Clever Girl Finance Inc; by using this website, you accept these terms and conditions in full.

This website uses cookies. By using this website and agreeing to these terms and conditions, you consent to our use of cookies in accordance with the terms of the Clever Girl Finance privacy policy.

1. License to use website

1.1. Use of website

Unless otherwise stated, Clever Girl Finance Inc and/or its licensors own the intellectual property rights in the website and material on the website.  Subject to the license below, all these intellectual property rights are reserved. You may view, download for caching purposes only, and print pages or other content from the website for your own personal use, subject to the restrictions set out below and elsewhere in these terms and conditions.

You must not:

  • Republish material from this website (including republication on another website);
  • Sell, rent or sub-license material from the website;
  • Show any material from the website in public;
  • Reproduce, duplicate, copy or otherwise exploit material on this website for a commercial purpose;
  • Edit or otherwise modify any material on the website; or
  • Redistribute material from this website [except for content specifically and expressly made available for redistribution.

Where content is specifically made available for redistribution, it may only be redistributed [within your organization].

1.2. Account creation

In order to use certain features of the Service, you must register for an account (“Account”) and provide certain information about yourself. You represent and warrant that: (a) all registration information you submit is truthful and accurate, and (b) you will maintain the accuracy of such information. You agree that all account information you provide is governed by our Privacy Policy and you consent to all actions we take with respect to your information consistent with our Privacy Policy. Our Privacy Policy forms a part of these Terms. You may request the deletion of your Account at any time, for any reason, by following the instructions on the Service. Clever Girl Finance may suspend or terminate your Account in accordance with Section 13.

2. Acceptable use

You must not use this website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the website; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.

You must not use this website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software.

You must not conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction, and data harvesting) on or in relation to this website without the express written consent from the Clever Girl Finance owner.

You must not use this website to transmit or send unsolicited commercial communications.

You must not use this website for any purposes related to marketing [without the express written consent from the Clever Girl Finance owner.

3. Restricted access

Access to certain areas of this website is restricted. Clever Girl Finance reserves the right to restrict access to other areas of this website, or indeed this entire website, at the owner's discretion.

If Clever Girl Finance provides you with a user ID and password to enable you to access restricted areas of this website or other content or services, you must ensure that the user ID and password are kept confidential.

Clever Girl Finance may disable your user ID and password in the owner’s sole discretion without notice or explanation.

4. User content

In these terms and conditions, “your user content” means material (including without limitation text, images, audio material, video material and audio-visual material) that you submit to this website, for whatever purpose.

You grant to Clever Girl Finance a worldwide, irrevocable, non-exclusive, royalty-free license to use, reproduce, adapt, publish, translate and distribute your user content in any existing or future media. You also grant to Clever Girl Finance the right to sub-license these rights, and the right to bring an action for infringement of these rights.

Your user content must not be illegal or unlawful, must not infringe any third party's legal rights, and must not be capable of giving rise to legal action whether against you or Clever Girl Finance or a third party (in each case under any applicable law).

You must not submit any user content to the website that is or has ever been the subject of any threatened or actual legal proceedings or other similar complaint.

Clever Girl Finance reserves the right to edit or remove any material submitted to this website, or stored on it’s supporting servers, or hosted or published upon this website.

Notwithstanding, the owner’s rights under these terms and conditions in relation to user content, Clever Girl Finance does not undertake to monitor the submission of such content to, or the publication of such content on, this website.

5. NO AI (Artificial Intelligence)

Clever Girl Finance inc, the owner of this website does not consent to the content on this website being used or downloaded by any third parties for the purposes of developing, training, or operating artificial intelligence or other machine learning systems (“Artificial Intelligence Purposes”), except as authorized by the owner in writing (including written electronic communication).

Absent such consent, users of this website, including any third parties accessing the website through automated systems, are prohibited from using any of the content on the website for Artificial Intelligence Purposes. Users or automated systems that fail to respect these choices will be considered to have breached the Clever Girl Finance website's Terms of Use.

6. Fees and Payments

As consideration for any purchase you make on the Clever Girl Finance websites, you shall pay Clever Girl Finance Inc all applicable fees and taxes. We (or our third-party payment processor) shall authorize your credit card, bank account, or other approved payment facility you provided during the registration process for the full payment of the fees and any applicable taxes, and you hereby consent to the same.

You must provide current, complete, and accurate billing and credit card information. You must promptly update all billing information (such as billing address, card number, and expiration date) to keep your account current, complete, and accurate, and you must promptly contact us if your credit card is lost or stolen, or if you become aware of a potential breach of account security (such as an unauthorized disclosure or use of your Sign-In Name or Password). You hereby authorize Clever Girl Finance Inc to obtain or determine updated or replacement expiration dates for your credit card in the event that the credit card you provided us expires.

We reserve the right to charge any renewal card issued to you to the same extent as the expired card.  In certain instances, the issuer of your credit card may charge you a foreign transaction fee or related charges, which you will be responsible to pay. You are advised to check with your bank and credit card issuer for details.

7. No warranties

This website is provided “as is” without any representations or warranties, express or implied. Clever Girl Finance makes no representations or warranties in relation to this website or the information and materials provided on this website.

Without prejudice to the generality of the foregoing paragraph, Clever Girl Finance does not warrant that:

  • This website will be constantly available, or available at all; or
  • The information on this website is complete, true, accurate or non-misleading.

Nothing on this website constitutes or is meant to constitute, advice of any kind.  If you require advice in relation to any legal, financial or medical matter you should consult an appropriate professional.

8. Limitations of liability

Clever Girl Finance will not be liable to you (whether under the law of contract, the law of torts or otherwise) in relation to the contents of, or use of, suggestions of, personal opinion of or otherwise in connection with, this website:

  • To the extent that the website is provided free-of-charge, for any direct loss;
  • For any indirect, special or consequential loss; or
  • For any business losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data.

These limitations of liability apply even if Clever Girl Finance has been expressly advised of the potential loss.

9. Exceptions

Nothing in this website disclaimer will exclude or limit any warranty implied by law that it would be unlawful to exclude or limit, and nothing in this website disclaimer will exclude or limit the owner’s liability in respect of any:

  • Death or personal injury caused by the owner’s negligence;
  • Fraud or fraudulent misrepresentation on the part of Clever Girl Finance; or
  • A matter which it would be illegal or unlawful for Clever Girl Finance to exclude or limit, or to attempt or purport to exclude or limit, its liability.

10. Reasonableness

By using this website, you agree that the exclusions and limitations of liability set out in this website disclaimer are reasonable.

If you do not think they are reasonable, you must not use this website.

11. Other parties

You accept that, as a corporate entity, Clever Girl Finance has an interest in limiting the personal liability of its officers and employees.  You agree that you will not bring any claim personally against the owner, officers or employees in respect of any losses you suffer in connection with the website.

Without prejudice to the foregoing paragraph, you agree that the limitations of warranties and liability set out in this website disclaimer will protect the owner, officers, employees, agents, subsidiaries, successors, assigns and sub-contractors as well as Clever Girl Finance.

12. Unenforceable provisions

If any provision of this website disclaimer is or is found to be, unenforceable under applicable law, that will not affect the enforceability of the other provisions of this website disclaimer.

13. Indemnity

You hereby indemnify Clever Girl Finance and undertake to keep Clever Girl Finance indemnified against any losses, damages, costs, liabilities, and expenses (including without limitation legal expenses and any amounts paid by Clever Girl Finance to a third party in settlement of a claim or dispute on the advice of the owner’s legal advisers) incurred or suffered by Clever Girl Finance arising out of any breach by you of any provision of these terms and conditions, or arising out of any claim that you have breached any provision of these terms and conditions.

14. Breaches of these terms of use

Without prejudice to the owner’s other rights under these terms and conditions, if you breach these term and conditions in any way (including and not limited to disruptive behavior, profane language, discriminatory actions, etc), Clever Girl Finance may take such action as Clever Girl Finance deems appropriate to deal with the breach, including suspending your access to the website, prohibiting you from accessing the website, blocking computers using your IP address from accessing the website, contacting your internet service provider to request that they block your access to the website and/or bringing court proceedings against you.

15. Variation

Clever Girl Finance has the right to revise or updates these terms and conditions at will and without notice.  Revised terms and conditions will apply to the use of this website from the date of the publication of the revised terms and conditions on this website.  Please check this page regularly to ensure you are familiar with the current version.

16. Assignment

Clever Girl Finance may transfer, sub-contract or otherwise deal with the owner’s rights and/or obligations under these terms and conditions without notifying you or obtaining your consent.

You may not transfer, sub-contract or otherwise deal with your rights and/or obligations under these terms and conditions.

17. Sever-ability

If a provision of these terms and conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect.  If any unlawful and/or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.

18. Entire agreement

These terms and conditions, together with the privacy policy and FAQs constitute the entire agreement between you and Clever Girl Finance in relation to your use of this website, and supersede all previous agreements in respect of your use of this website.

19. Law and jurisdiction

These terms and conditions will be governed by and construed in accordance with the state of New Jersey, and any disputes relating to these terms and conditions will be subject to the exclusive jurisdiction of the courts of New Jersey.

You can contact Clever Girl Finance via email at [email protected].

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