Terms of Use

The ground rules for owning and using the tool. Plain terms, no surprises.

Version 2 · Effective upon purchase

§ 1 — Acceptance

By completing the acknowledgment step at the time of purchase and using the Intentional Money Moves tool (the "Tool"), you ("User") affirmatively agree to be bound by these Terms of Use and License Agreement ("Terms"). If you do not agree, do not use the Tool. These Terms are entered into between you and Zero By Design LLC ("Company," "we," "us"), a Maryland limited liability company.

§ 2 — License Grant

Subject to these Terms, the Company grants you a personal, non-exclusive, non-transferable, non-sublicensable, revocable license to use one (1) copy of the Tool for your personal, non-commercial financial management purposes only. This license does not include the right to use the Tool on behalf of any third party, in any commercial capacity, or as part of any service offered to others.

§ 3 — Prohibited Uses

You may not, directly or indirectly: (a) copy, reproduce, distribute, or share the Tool or any portion of it with any third party; (b) sell, resell, sublicense, rent, or otherwise commercialize the Tool; (c) modify, adapt, or create derivative works based on the Tool; (d) remove or alter any proprietary notices, branding, or labels; or (e) use the Tool in any manner that violates applicable law.

§ 4 — Intellectual Property

The Tool, including all content, design, formulas, structure, branding, and documentation, is and remains the exclusive property of Zero By Design LLC. These Terms do not transfer any ownership interest in the Tool. All rights not expressly granted herein are reserved by the Company.

§ 5 — Disclaimer Incorporated by Reference

The Company's Disclaimer, which governs limitations on warranties and liability, is incorporated into these Terms by reference and forms part of this agreement. By accepting these Terms, you also accept the Disclaimer in its entirety.

§ 6 — Governing Law and Dispute Resolution

These Terms shall be governed by the laws of the State of Maryland. Any dispute, claim, or controversy arising out of or relating to the Tool, these Terms, or the Disclaimer shall be resolved exclusively through binding arbitration conducted in the State of Maryland, in either Washington County or Frederick County. Each party shall bear its own costs and fees, including filing fees, arbitrator fees, and attorney's fees. You expressly waive any right to a trial by jury and waive any right to participate in a class action, collective action, or representative proceeding against the Company. Any arbitration shall be conducted on an individual basis.

§ 7 — Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect. An unenforceable provision shall be modified to the minimum extent necessary to make it enforceable.

§ 8 — Contact

For questions regarding these Terms, contact: Zero By Design LLC · support@intentionalmoneymoves.com

Refund Policy

All sales of the Intentional Money Moves tool are final. Because the Tool is a digital product delivered immediately upon purchase, we do not offer refunds, returns, or exchanges once the purchase is completed. By completing your purchase, you acknowledge that you have read and agree to this no-refund policy.