Terms of Use
at CashFlowCents.com

Type of website: Blog
Effective date: 10th day of September, 2024

These terms of use (the "Terms of Use") govern the use of www.cashflowcents.com (the "Site"). This Site is owned and operated by Lavella Owens. This Site is an ecommerce website.

By using this Site, you indicate that you have read and understand these Terms of Use and agree to abide by them at all times.

Intellectual Property
All content published and made available on our Site is the property of Lavella Owens and Cash Flow Cents LLC. This includes, but is not limited to: articles, blog posts, text, videos, audio files, images, logos, banners, graphics, infographics, documents, downloadable files, e-books, webinars, course materials, tutorials, slideshows, case studies, reports, whitepapers, templates, tools, calculators, social media content, newsletters, software code, and interactive features - anything that contributes to the composition of our Site.

Writer and Creator Contributions
Our articles are thoughtfully crafted by Lavella Owens and occasionally by third-party contributors. In some instances, the authors have utilized GPT (such as GPT-4, GPT-5 or upcoming versions) - OpenAI’s advanced language-generation model - as a research assistant to help gather and develop source material.

However, the final drafts are always written by the authors themselves - drawing on their own expertise, education, and experience. The authors and Site owners take full responsibility for the content we publish, ensuring it meets the highest standards of quality and accuracy.

It's all about you! We believe in embracing the latest technological advances to provide you with the most accurate and relevant information possible. Our team is dedicated to ensuring that our users, customers, and clients receive the highest quality content - backed by expertise and thorough research. We are committed to helping you stay informed and empowered, knowing that you can trust the information we provide.

We've added this disclaimer to comply with OpenAI's Sharing & Publication Policy. This ensures transparency in how we create content - particularly when using tools like GPT-4, GPT-5 and upcoming versions. For more details, you can review OpenAI's policy at OpenAI Sharing & Publication Policy (https://openai.com/policies/sharing-publication-policy/#content-co-authored-with-the-openai-api-policy).

User Contributions
Users may post the following information on our Site:

• Public comments.

By posting publicly on our Site, you agree not to act illegally or violate these Terms of Use.

Accounts
When you create an account on our Site, you agree to the following:

1. You are solely responsible for your account and the security and privacy of your account, including passwords or sensitive information attached to that account; and
2. All personal information you provide to us through your account is up to date, accurate, and truthful and that you will update your personal information if it changes.

We reserve the right to suspend or terminate your account if you are using our Site illegally or if you violate these Terms of Use.

Sale of Goods
These Terms of Use govern the sale of goods available on our Site.

The following goods are available on our Site:

• Budgets, Planners and Other Products to improve personal and small business finances.

These Terms of Use apply to all the goods that are displayed on our Site at the time you access it. This includes all products listed as being out of stock. All information, descriptions, or images that we provide about our goods are as accurate as possible. However, we are not legally bound by such information, descriptions, or images as we cannot guarantee the accuracy of all goods we provide. You agree to purchase goods from our Site at your own risk.

We reserve the right to modify, reject or cancel your order whenever it becomes necessary. If we cancel your order and have already processed your payment, we will give you a refund equal to the amount you paid. You agree that it is your responsibility to monitor your payment instrument to verify receipt of any refund.

Third Party Goods and Services
Our Site may offer goods and services from third parties. We cannot guarantee the quality or accuracy of goods and services made available by third parties on our Site.

User Goods and Services
Our Site allows users to sell goods and services. We do not assume any responsibility for the goods and services users sell on our Site. We cannot guarantee the quality or accuracy of any goods and services sold by users on our Site. However, if we are made aware that a user is violating these Terms of Use, we reserve the right to suspend or prohibit the user from selling goods and services on our Site.

Payments
We accept the following payment methods on our Site:

• Credit Card;
• Debit;
• Direct Debit;
• QuickBooks Payments; and
• others.

When you provide us with your payment information, you authorize our use of and access to the payment instrument you have chosen to use. By providing us with your payment information, you authorize us to charge the amount due to this payment instrument.

If we believe your payment has violated any law or these Terms of Use, we reserve the right to cancel or reverse your transaction.

Consumer Protection Law
Where any consumer protection legislation in your jurisdiction applies and cannot be excluded, these Terms of Use will not limit your legal rights and remedies under that legislation. These Terms of Use will be read subject to the mandatory provisions of that legislation. If there is a conflict between these Terms of Use and that legislation, the mandatory provisions of the legislation will apply.

Links to Other Websites
Our Site contains links to third party websites or services that we do not own or control. We are not responsible for the content, policies, or practices of any third party website or service linked to on our Site. It is your responsibility to read the terms and conditions and privacy policies of these third party websites before using these sites.

Limitation of Liability
Lavella Owens and our directors, officers, agents, employees, subsidiaries, and affiliates will not be liable for any actions, claims, losses, damages, liabilities and expenses including legal fees from your use of the Site.

Indemnity
Except where prohibited by law, by using this Site you indemnify and hold harmless Lavella Owens and our directors, officers, agents, employees, subsidiaries, and affiliates from any actions, claims, losses, damages, liabilities and expenses including legal fees arising out of your use of our Site or your violation of these Terms of Use.

Applicable Law
These Terms of Use are governed by the laws of the States of California and New York.

Severability
If at any time any of the provisions set forth in these Terms of Use are found to be inconsistent or invalid under applicable laws, those provisions will be deemed void and will be removed from these Terms of Use. All other provisions will not be affected by the removal and the rest of these Terms of Use will still be considered valid.

Changes
These Terms of Use may be amended from time to time in order to maintain compliance with the law and to reflect any changes to the way we operate our Site and the way we expect users to behave on our Site. We will notify users by email of changes to these Terms of Use or post a notice on our Site.

Contact Details
Please contact us if you have any questions or concerns. Our contact details are as follows:

(619) 736-3842
privacy@cashflowcents.com
1050 University Ave, Suite E107 #842, San Diego, CA 92103

You can also contact us through the feedback form available on our Site.

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