Terms & Conditions

• You must be at least 13 years old to use the Services, unless the Services are provided through a school, program, or organization that has obtained necessary consent.

• If you are under the age of majority in your state or country, you must have permission from a parent, guardian, or authorized institution to use the Services.

• You must provide accurate information when creating an account, including your name, email, and any group association.

• You are responsible for maintaining the confidentiality of your login credentials.

• You agree to notify us immediately of any unauthorized access to your account.

You may use the Services only for lawful purposes and in accordance with these Terms. You agree not to:

• Misuse, copy, or redistribute content outside permitted use.

• Attempt to access, reverse-engineer, or interfere with system operations.

• Use the Services to harass, harm, or exploit others.

We reserve the right to suspend or terminate accounts that violate these Terms.

• Intelligent Money provides educational modules, simulators, and tools for financial literacy and personal development.

• Content is for informational and educational purposes only and should not be considered personalized financial, investment, tax, or legal advice.

• We make no guarantees that outcomes simulated or projected within the app will match real-world results.

• All content, features, logos, graphics, and software are owned by Intelligent Money or its licensors.

• You are granted a limited, non-exclusive, non-transferable license to use the Services for personal, educational, or authorized institutional purposes only.

• You may not reproduce, distribute, or create derivative works without our prior written consent.

• By using the Services, you consent to the collection and use of information as described in our Privacy Policy.

• We may collect information such as name, email, group affiliation, device details, IP address, and usage data to operate and improve the Services.

• The Services may integrate with or link to third-party tools, websites, or services.

• We are not responsible for the content, policies, or practices of these third parties.

• The Services are provided on an “AS IS” and “AS AVAILABLE” basis without warranties of any kind, express or implied.

• To the fullest extent permitted by law, Intelligent Money is not liable for any indirect, incidental, special, or consequential damages, including loss of profits, data, or opportunities.

• Your sole remedy for dissatisfaction with the Services is to discontinue use.

• We may update the Services or these Terms at any time.

• If changes are material, we will provide notice (e.g., by email or in-app notification).

• Continued use of the Services after changes are posted means you accept the updated Terms.

• You may stop using the Services at any time.

• We may suspend or terminate your access if you violate these Terms or if required by law.

• Upon termination, your right to use the Services ends, but provisions regarding intellectual property, disclaimers, and liability limitations survive.

• These Terms are governed by the laws of the State of Florida, without regard to its conflict of laws principles.

• If you have questions about these Terms, please contact us at: info@theintelligentmoney.com