Terms and Conditions

Welcome to Everyone’s Talkin’ Money (referred to as “ETM,” “we,” “our,” or “us”). These Terms and Conditions ("Terms") govern your use of our website www.everyonestalkinmoney.com, including any subdomains, features, tools, or services provided through the site (collectively, the “Website”), and our linked podcast site www.everyonestalkinmoneypodcast.com.

By accessing or using the Website and the linked podcast site, you agree to comply with and be bound by these Terms. If you do not agree to these Terms, please do not use the Website.

1. Use of the Website

You must be at least 18 years old to use this Website. By using our services, you represent and warrant that you are at least 18 years of age and that you agree to abide by all applicable local, state, and federal laws.

2. Services Provided

Everyone’s Talkin’ Money provides financial education, digital courses, podcast content, membership services (including the ETM Club), webinars, downloadable content, and other financial empowerment resources. Our podcast website, everyonestalkinmoneypodcast.com, is linked from the primary site and also subject to these Terms.

Disclaimer: All content provided on this Website and its linked podcast site is for informational and educational purposes only. It does not constitute legal, financial, investment, or tax advice. You should consult with your own legal, tax, or financial professionals before making decisions based on the information provided.

3. User Accounts

To access certain features or products, you may be required to create an account. You agree to provide accurate and complete information and to keep your login credentials secure. You are responsible for all activities that occur under your account.

We reserve the right to suspend or terminate your account at our discretion for any violation of these Terms.

4. Intellectual Property

All content on this Website and the linked podcast site—including but not limited to text, graphics, logos, videos, audio clips, e-books, digital downloads, and software—is the property of Everyone’s Talkin’ Money or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not:

• Copy, reproduce, republish, or distribute our content without written permission.
• Use our brand, name, or logo without express authorization.
  
  

5. Payment & Subscriptions

Certain services (such as ETM Club memberships, digital courses, or coaching sessions) require payment. By purchasing a product or subscribing to a service, you agree to:

• Provide accurate payment information.
• Authorize us (or our third-party processor) to charge your payment method.
• Acknowledge that recurring subscriptions will be charged automatically unless canceled.
  

Refund Policy: All sales are final unless otherwise stated at the point of purchase. Refund eligibility is outlined individually for each product or service.

6. Termination of Access

We may, at our sole discretion, terminate or suspend your access to the Website without prior notice if we believe you have violated these Terms or applicable law.

7. Third-Party Links

Our Website may contain links to third-party websites or services, including but not limited to www.everyonestalkinmoneycom, YouTube, Instagram, or third-party payment processors.

We are not responsible for the content, accuracy, or privacy practices of these external sites. Use them at your own risk.

8. No Guarantees or Earnings Claims

While we may share financial strategies, testimonials, or success stories, we do not guarantee financial results or specific outcomes. Your success depends on your individual circumstances, actions, and external factors beyond our control.

9. Privacy

Your use of our Website is also governed by our Privacy Policy, which explains how we collect, use, and protect your data.

10. Limitation of Liability

To the fullest extent permitted by law, Everyone’s Talkin’ Money and its affiliates, employees, and partners shall not be liable for any indirect, incidental, consequential, or punitive damages arising out of your use or inability to use the Website or its content.

11. Indemnification

You agree to indemnify, defend, and hold harmless Everyone’s Talkin’ Money and its affiliates from and against any claims, liabilities, damages, losses, and expenses (including legal fees) arising from your use of the Website or violation of these Terms.

12. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of New Jersey, without regard to its conflict of law principles. Any disputes shall be resolved exclusively in the state or federal courts located in New Jersey.

13. Changes to Terms

We reserve the right to modify or update these Terms at any time. We will notify users by updating the "Effective Date" at the top of this page. Continued use of the Website after changes are made constitutes acceptance of the new Terms.

14. Contact Us

If you have any questions about these Terms, please contact us at:

Everyone’s Talkin’ Money
Email: shari@everyonestalkinmoneypodcast.com

‍Website: www.everyonestalkinmoney.com