Wealthy Habitat Terms of Use

Effective 29 September 2026. Wealthy Habitat is operated by WealthyHabitat.com, called "we" and "us" below. These terms are a binding agreement between you and us. Please read them; they include a limit on our liability, a warranty disclaimer, and an agreement to arbitrate disputes one at a time.

1. What the site is

Wealthy Habitat is a financial education platform. It explains how money, taxes, saving, investing, insurance, credit, and small business finance work, shows arithmetic with your own numbers or with practice numbers, publishes research and a practice game built on real historical data, and offers business consulting under a separate written agreement. It is a publisher of general, impersonal educational content. It does not give investment, tax, legal, accounting, or insurance advice, and nothing on it is tailored to any one person's situation. The No Advice Disclosure is part of these terms and you should read it.

2. Who may use it

Anyone may read the public pages. To create an account you must be eighteen or older. A person under eighteen may use the site only as a student on a class roster created by a teacher or youth program leader, using a username and code, with no email address, password, or account of their own. Students are covered in section 6.

By using the site you accept these terms. If you do not accept them, do not use the site.

3. Your account

Keep your password private. You are responsible for activity under your account, and you agree to tell us promptly at the contact below if you think someone else is using it. We may suspend or close an account that violates these terms or the law. You may close your account at any time; closing it deletes the data described in the Privacy Notice.

4. Membership, billing, and cancellation

Some features are offered as a paid membership. Before you pay, the membership page shows the price, the billing period, what the membership includes, and that it renews automatically until you cancel. Payment is handled by a third party processor; we never see your full card number. You may cancel at any time from your account page or by emailing the contact below, and cancellation takes effect at the end of the paid period. Our payment processor emails a receipt for every charge, and your account page shows the plan, its renewal date, and any cancellation. If we change the price, we will tell you by email at least thirty days before the new price is charged, and you may cancel before it takes effect. Refunds: if you cancel within fourteen days of a first purchase, we refund it in full; after that, paid periods are not refunded except as the law requires. Where a state requires a longer notice period, a simpler cancellation, or a different refund rule, that state's rule applies to residents of that state.

5. What you may not do

You may not use the site to violate any law; harm, harass, or impersonate anyone; collect information about other users; copy, scrape, or republish the site's content for resale; overload the site with automated requests; probe or bypass its security; or enter another person's financial information without their permission. You may not use the practice game, tools, or research to represent to others that the site endorses any investment or strategy.

6. Students, teachers, and youth programs

A teacher or program leader who creates a class represents that they are authorized by their school or organization to do so and that they have obtained whatever parent notice or consent their institution requires. We rely on that representation; a school acting under the Family Educational Rights and Privacy Act may share a student's name with us as its school official for the limited purpose of running the class, and we use it for nothing else. We collect from a student only what the Privacy Notice lists: a display name, a parent's name if the school enters one, lesson progress, arithmetic check results, and practice game outcomes. We do not collect a student's email, contact information, precise location, or any real financial figure, and we do not use a student's information for advertising or sell it to anyone. A teacher may remove a student at any time from the teacher page, and may ask us at the contact below to delete a class,, and a parent may ask us to delete a student's record at the contact below. We treat every student on a roster as a child under the Children's Online Privacy Protection Act regardless of stated age.

7. Content and ownership

The text, tools, game, research, design, and code of the site are ours or licensed to us and are protected by copyright and trademark law. You may read, print, and quote short passages for personal, educational, or news purposes with credit to Wealthy Habitat. You may not republish the site's content as your own or use it to train a model. What you type into the site remains yours; you give us a license to store and process it only to provide the service to you, as the Privacy Notice describes.

Some guides are drafted by a machine and checked by automated rules for errors, advice language, missing sources, and readability; a person reviews them, sometimes after publication. Every such guide shows its sources, the year each rule applies to, and the date it was last checked.

8. No warranty

THE SITE AND EVERYTHING ON IT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, OR NON INFRINGEMENT. We do not warrant that any page is complete, current, or error free, that the site will be uninterrupted or secure, or that any figure shown by a tool or the practice game will occur in real life. Past performance, including the real historical data in the practice game, does not predict future results. Some states do not allow the exclusion of implied warranties; in those states the exclusion applies to the extent the law allows.

9. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, WE ARE NOT LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF MONEY, PROFITS, DATA, OR OPPORTUNITY, ARISING FROM YOUR USE OF OR RELIANCE ON THE SITE, EVEN IF WE WERE TOLD SUCH DAMAGES WERE POSSIBLE. OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS TOGETHER IS LIMITED TO THE GREATER OF THE AMOUNT YOU PAID US IN THE TWELVE MONTHS BEFORE THE CLAIM OR ONE HUNDRED DOLLARS. Nothing in these terms limits liability that cannot be limited by law, including liability for fraud or for death or personal injury caused by negligence. Some states do not allow limits on incidental or consequential damages; in those states the limit applies to the extent the law allows.

10. Indemnity

If you use the site in violation of these terms or the law and someone brings a claim against us because of it, you agree to defend us and cover the costs, including reasonable attorney fees.

11. Disputes: informal resolution, arbitration, and class waiver

Before filing any claim, you and we agree to try to resolve it informally: send a written description of the dispute to the contact below, and we will do the same to your account email, and both sides will talk in good faith for sixty days.

If that fails, any dispute arising from these terms or the site will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, rather than in court, except that either side may bring an individual claim in small claims court, and either side may seek an injunction in court to protect intellectual property. The Federal Arbitration Act governs this section. Arbitration will be by written submission or video unless the arbitrator finds a hearing necessary, and any in person hearing will be held in the county where you live. Arbitration filing and arbitrator fees for claims under ten thousand dollars are paid by us unless the arbitrator finds the claim frivolous.

YOU AND WE AGREE THAT CLAIMS WILL BE BROUGHT ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. If this class waiver is found unenforceable for a particular claim, that claim will proceed in court, not arbitration.

You may opt out of this arbitration agreement by emailing the contact below within thirty days of first accepting these terms, stating your name and account email and that you opt out of arbitration. Opting out does not affect any other part of these terms.

12. Governing law and venue

These terms are governed by the laws of the United States and of the state in which the operator is located at the time a dispute arises, without regard to conflict of law rules, except that the consumer protection laws of the state where you live apply to you to the extent they cannot be waived. For any claim not subject to arbitration, you and we consent to the state and federal courts sitting in Hidalgo County, Texas, except that you may bring a small claims action where you live.

13. Copyright complaints

If you believe content on the site infringes your copyright, send a notice under the Digital Millennium Copyright Act to the contact below with the work, the location on our site, your contact information, a statement of good faith belief, a statement under penalty of perjury that you are authorized, and your signature. We will respond as the Act requires.

14. Changes and severability

We may change these terms; the effective date at the top will change and we will tell account holders by email or a notice on the site at least fourteen days before a material change takes effect. Continued use after that date is acceptance. If any part of these terms is found unenforceable, the rest remains in effect. These terms, the Privacy Notice, and the No Advice Disclosure are the entire agreement between you and us about the site. Our failure to enforce a term is not a waiver of it.

15. Contact

WealthyHabitat.com. Email: admin@wealthyhabitat.com.