Terms of use
The honest terms, in plain language
Part 1 · The short version
Agreement
By using financiallygrowing.com or purchasing our products, you agree to these terms. If you are purchasing for an organization, the licensing terms in your written agreement govern where they differ from these.
What our content is, and is not
Everything we publish, including books, workbooks, guides, kits, courses, and the blog, is educational. Ashlee Richards is a certified financial educator, not a licensed financial advisor, attorney, physician, or therapist. Nothing here is individualized financial, legal, medical, or mental health advice, and nothing replaces the licensed professionals who know your situation. Faith-based materials are offered openly as such; the practical teaching stands on its own.
Your license to digital products
When you buy or download a digital product, you receive a personal, non-transferable license for you and your household (for MoneyRoots, your family; for classroom freebies, your own classroom). You may fill it in digitally and print pages for that use. You may not resell, redistribute, share the files publicly, or use them to build competing products. Organizational and multi-classroom use requires a license through a Bespoke Engagement.
Our refund promise
Digital products carry a 14-day refund: email us within 14 days of purchase and we will refund you, no questionnaire, no hard feelings. Books purchased on Amazon follow Amazon’s return policy. Licensing and organizational engagements follow the terms in their written agreements.
Intellectual property
All content, including The Loved First Bridge, MoneyRoots, our frameworks, product names, and course materials, is owned by Financially Growing LLC or Ashlee Richards and protected by copyright and trademark law. Scripture quotations are from the NASB and used by permission of The Lockman Foundation.
Accessibility
If any product fails to work with your assistive technology, we will fix it or refund it. Our Accessibility Statement is part of how we do business, not an appendix.
Acceptable use
Don’t misuse the site: no scraping our content, no attempting to breach forms or checkout, no impersonating us, and no using our materials to harm the people they were built to serve.
Limitation of liability
To the fullest extent permitted by law, Financially Growing LLC is not liable for indirect or consequential damages arising from use of the site or products, and our total liability is limited to the amount you paid us. Some jurisdictions don’t allow certain limitations, so parts of this may not apply to you.
Governing law
These terms are governed by the laws of the State of Oregon.
Part 2 · The full terms
1. Agreement to terms
These Terms govern your access to and use of the websites, content, products, and services offered by Financially Growing LLC ("Financially Growing", "we", "us", or "our") (collectively, the "Services"). By using the Services, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Services.
Purchases and accounts must be made by an adult who is at least 18 and able to enter a binding contract, or by someone authorized to act for an organization. Students under 18 use our learning materials and portal with the permission of a parent, guardian, or educator who accepts these Terms on their behalf.
If we update these Terms, your continued use of the Services after the effective date means you accept the updated Terms.
2. Educational content, not financial advice
All information and materials made available through the Services are for educational and informational purposes only. Nothing we provide is personalized financial, investment, tax, legal, or accounting advice, or a recommendation regarding any financial product, strategy, or security. We are not a registered investment adviser, broker-dealer, tax advisor, or law firm.
You are responsible for evaluating the information we provide and for your own financial decisions. Consult a qualified financial advisor, tax professional, or attorney before making decisions that could affect your finances or legal rights.
3. Accounts and accurate information
Some features require an account, enrollment, or payment information. You agree to provide accurate, current, and complete information and to keep it up to date. You are responsible for keeping your login credentials secure and for activity under your account, and you agree to tell us promptly about any unauthorized use.
4. Fees, payments, and refunds
Some Services require payment. By purchasing, you agree to pay the stated price and any applicable taxes using a valid payment method, and you authorize us and our payment processors to charge it, including any installment or recurring charges you choose.
Digital products carry the 14-day refund described in Part 1. Any other refund terms are stated on the sales or enrollment page for that Service or in a written agreement.
5. Intellectual property and license to use
All content and materials made available through the Services, including text, videos, audio, graphics, logos, trademarks, downloads, worksheets, frameworks, and course materials, are owned by or licensed to Financially Growing LLC and protected by intellectual property laws.
Subject to these Terms, we grant you a limited, personal, non-exclusive, non-transferable, revocable license to use the materials as described in Part 1. You may not share, sell, redistribute, reproduce, republish, or otherwise exploit the materials for others or for commercial purposes without our written consent. Unauthorized use may end your access to the Services.
6. Prohibited activities
- Copying, distributing, publicly displaying, or creating derivative works from our materials, except as these Terms allow.
- Sharing your account, login, or purchased materials with others.
- Using the Services for fraudulent, deceptive, or misleading activity.
- Interfering with or disrupting the Services or the systems that run them.
- Reverse engineering any part of the Services, or uploading viruses or harmful code.
- Harassing, abusing, or harming another user or any member of our team.
7. Results and stories
Any stories or examples we share are illustrative only. They are not promises of any particular result. Your results depend on many factors, and you are responsible for your own decisions and outcomes.
8. Third-party links and services
The Services may link to third-party websites or tools that we do not control. Links are provided for convenience and are not endorsements. Your use of third-party services is at your own risk and subject to their terms.
9. Disclaimer of warranties
To the maximum extent permitted by law, the Services and all materials are provided "as is" and "as available", without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Services will be uninterrupted, secure, or error-free, and we do not guarantee any individual result.
10. Limitation of liability
To the maximum extent permitted by law, Financially Growing LLC and its owners, employees, contractors, and agents will not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages, or for lost profits, data, or goodwill, arising from your use of or inability to use the Services. Our total liability for any claim is limited to the amount you paid us for the product or service giving rise to the claim.
11. Indemnification
You agree to indemnify and hold harmless Financially Growing LLC and its owners, employees, contractors, and agents from claims, losses, and expenses, including reasonable attorneys’ fees, arising from your misuse of the Services, your violation of these Terms, or your violation of anyone else’s rights.
12. Termination
We may suspend or end your access to the Services if you violate these Terms or engage in fraudulent or abusive behavior. Provisions that by their nature should survive, including intellectual property, disclaimers, limitations of liability, and indemnification, survive termination.
13. Governing law and disputes
These Terms are governed by the laws of the State of Oregon, without regard to conflict-of-laws principles. We will first try to resolve any dispute through good-faith conversation. If that fails, disputes will be heard in the state or federal courts located in Oregon, unless applicable law requires otherwise.
14. Changes to these terms
We may update these Terms from time to time. When we do, we will update the effective date at the top of this page and, for significant changes, give notice on this page or by email.
15. General
These Terms, any terms presented at purchase, and our Privacy Policy are the entire agreement between you and us about the Services. If any provision is unenforceable, the rest remains in effect. Our failure to enforce a provision is not a waiver. You may not assign your rights under these Terms without our written consent; we may assign ours.
How to contact us
Questions about these terms: write to [email protected] or use the contact page. Read our privacy policy and accessibility statement.