Terms & Conditions

Last updated: October 3, 2026

1. Acceptance of these terms

By accessing or using centsationaladvice.com (the "Site"), you agree to these Terms and Conditions. If you do not agree, please do not use the Site.

2. Educational purposes only — not financial advice

All content on this Site, including articles, calculators, examples, and social media posts, is provided for general educational and informational purposes only. It is not financial advice, investment advice, tax advice, or legal advice, and it should not be treated as such.

The publisher of this Site is not a Certified Financial Planner (CFP®), registered investment adviser, broker-dealer, certified public accountant, or attorney. Nothing on this Site is tailored to your personal financial situation, goals, or risk tolerance.

3. No professional or fiduciary relationship

Using this Site, reading its content, using its calculators, or subscribing to its email list does not create a client, advisory, fiduciary, or professional relationship of any kind between you and the publisher. For advice about your specific situation, consult a qualified, licensed professional such as a fiduciary financial adviser, CPA, or attorney.

4. Calculators and examples are hypothetical

The debt payoff planner, compound interest calculator, and any other tools on this Site produce hypothetical estimates based on the numbers you enter and the assumptions stated. They are simplifications for learning purposes. They do not predict actual outcomes, and past performance of any investment is not a guarantee of future results.

5. Investing involves risk

All investing involves risk, including the possible loss of principal. There is no guarantee that any strategy discussed on this Site will be profitable or suitable for you. Never make financial decisions based solely on general educational content.

6. No guarantees or warranties

The Site and its content are provided "as is" without warranties of any kind, express or implied, including warranties of accuracy, completeness, or fitness for a particular purpose. Financial rules, tax laws, and contribution limits change over time, and content may become outdated.

7. Limitation of liability

To the maximum extent permitted by law, the publisher of this Site will not be liable for any direct, indirect, incidental, or consequential damages arising from your use of, or reliance on, any content on this Site. You use this Site and act on its content entirely at your own risk.

8. External links

This Site links to third-party platforms, including Instagram (@centsationaladvice). The publisher is not responsible for the content, accuracy, or practices of third-party sites or accounts.

9. Email list

If you subscribe to The Sunday Money Memo, you agree to receive periodic emails at the address you provide. You may unsubscribe at any time using the link in each email. Your address will never be sold or shared with third parties for marketing.

10. Intellectual property

All text, graphics, and original content on this Site are the property of Centsational Advice unless otherwise noted. You may share links to the Site freely. Republishing substantial portions of content without permission is not permitted.

11. Changes to these terms

These terms may be updated from time to time. Continued use of the Site after changes are posted constitutes acceptance of the revised terms. The "Last updated" date at the top of this page reflects the most recent revision.

12. Contact

Questions about these terms can be sent via direct message to @centsationaladvice on Instagram.