Client Terms & Refund Policy
A plan that meets you right where you are.
Effective September 25, 2026
1. My Service
A planning tool, not professional advice
Your roadmap is built to help you understand your cash flow and, if you're on Premium, plan out debt payoff. It's a cash flow planning tool, not financial, investment, tax, or legal advice, and it's not a substitute for talking to a licensed professional if your situation calls for one.
Your plan is only as accurate as what you tell me
I build your roadmap from the numbers you provide. If something's off because of a typo, a missed bill, or information that changed after you submitted, I'm happy to help sort it out, but I can't be responsible for accuracy on numbers I never had.
Your plan reflects a moment in time
Bills change, income changes, life changes. Your roadmap is accurate as of the numbers you gave me on the day you submitted, and it will drift from reality over time. That's what plan regenerations are for.
A projection, not a promise
Your roadmap shows you what's possible based on your numbers. It's not a guarantee that you'll hit a certain savings goal or payoff date by a certain time; life has a way of changing plans.
I might reach out to you directly
If something in your numbers looks like it needs a real conversation rather than just a plan, I'll reach out personally before sending anything over. I'd rather talk it through with you than hand you a PDF that doesn't tell the full story.
2. Eligibility
This service is available to U.S. residents age 18 or older. On a Joint plan, this applies to both partners.
3. Payment
Plans are paid for through a secure Stripe checkout link before you fill out the intake form. Once you pay, you're taken straight to the intake form and your payment is matched to your submission automatically. Just use the same email on the form that you paid with, in case anything ever needs to be matched by hand.
4. Turnaround & Delivery
Turnaround is currently 1–3 business days from the time your intake form is submitted, though it may vary a bit depending on workload volume. Your finished Budget Roadmap PDF is sent to the email address you provided on the form.For your privacy, your delivered PDF is password protected, since it contains real income, bill, and (for Premium) debt detail. The password is included in your delivery email.If you purchased the Paycheck Tracker add-on, it's delivered as an Excel file alongside your roadmap PDF. Unlike your PDF, it isn't password protected, since a password would stop it from working in the free browser and mobile versions of Excel. It's built around the exact bills and debts on your plan at the time it's built. It can't take on a new bill or debt. A new bill or debt means it's time for an updated roadmap, the same as anywhere else in your plan.The tracker is built for Excel. It will open in Google Sheets and Apple Numbers, but neither enforces the cell protection that keeps calculated cells from being edited. Typing over a calculated cell in those apps changes your results. Each plan comes with one free replacement tracker, any time within a year of your delivery date. It covers a file you lost or can no longer open, and a file that stopped working, including a calculation that got typed over. A tracker built from new numbers is a repurchase, not a replacement. If the problem is something I got wrong when I built it, that's a correction, and it doesn't use up your replacement. More detail is in the FAQ on my website.
5. Follow-Up Questions
Every plan includes a 30-day window for follow-up questions after delivery: 2 for solo base, 4 for solo premium. 4 for joint base, and 6 for joint premium. Questions are free if asked within 30 days of delivery. Just reply to your delivery email.Additional questions beyond what's included are available for $10 per set of 2.A question about why something in your plan looks the way it does is not an error. That's exactly what your included follow-up questions are for.
6. Refund & Corrections Policy
Every plan is custom-built around your numbers, and the work starts as soon as you submit your intake form, so I'm not able to offer refunds once your form has been submitted.That said, I stand behind the accuracy of what I deliver. If something in your plan is wrong, like a bill or debt assigned to the wrong period, a debt or bill missing from the plan entirely, or a calculation that doesn't match the information you gave me, let me know within 30 days of your delivery date, and I'll fix it and send you a corrected version at no extra cost.If you have a question about why something in your plan looks the way it does, that's not an error, that's exactly what your included follow-up questions are for.One exception. Sometimes the numbers show that a budget plan isn't the right tool yet, and what would actually help is a conversation with a professional. If that's your situation, I'll tell you directly and refund you in full. You won't be charged for a plan I couldn't build.
What counts as an error I'll correct
A bill or debt assigned to the wrong period.
A calculation that doesn't reflect the information you actually gave me.
A debt or bill missing from the plan entirely.
A math error in the totals.
Any other calculation error that can be verified by comparing the plan against the information you submitted on your intake form.
Typo Fixes
If you typed one number wrong on your intake form, like a rent amount or a bill total, let me know within 30 days of delivery and I'll fix it and resend your plan at no cost. This is limited to one number, corrected once. If more than one thing in the same bill or debt entry changed, like both the amount and the due date, or a bill that's missing altogether, that's handled as a regeneration instead, since it affects the plan beyond a single value.
What isn't covered by a correction
Minor cosmetic issues, like a typo, that don't affect the plan's numbers or usefulness.
Questions about why the plan looks the way it does are handled through your included Follow-Up Questions (Section 3).
Changes caused by information that changed after you submitted your form, or that wasn't included on the form at all.
The Paycheck Tracker add-on follows this same policy. If something in it doesn't work as described, I'll fix it. It isn't refunded separately from your plan.
If you paid but never submitted your intake form, no work has begun and a refund is available. Just send an email explaining that.
7. Joint Plans
A Joint plan is built from both partners' financial information, combined into one roadmap. The finished plan is emailed directly to both partners, so submitting a Joint intake form means you agree to share your financial information with your partner through that delivery, and that either partner may use the plan's included follow-up questions.Once delivered, both partners already have their own copy. I can't recall a plan after delivery or produce a version with one partner's information removed from the other's. If your relationship situation changes after delivery, a new Solo plan is the right move if you need a version reflecting only your own numbers going forward.
8. Ownership & Use of Your Plan
Your roadmap is for your own personal use. Please don't resell, redistribute, or represent it as your own work if you share it with anyone else.
9. Scholarship Program
Scholarship spots are limited, awarded at my discretion, and reviewed first-come within the month they're requested. Applying doesn't guarantee a spot. Each client is eligible for one scholarship plan, ever.
10. Right to Decline or Limit Service
I take on a limited number of new clients each week so every plan gets a real, careful review. I reserve the right to decline, delay, or limit new intake at my discretion, including redirecting a client toward outside resources instead of generating a plan, if that's a better fit for their situation.
11. Payment Disputes
If you've received your completed roadmap, filing a payment dispute or chargeback doesn't cancel the agreement you made by submitting your intake form under this policy. I'll respond to any dispute using our correspondence, your intake form submission, and delivery records as evidence that the plan was completed and sent as agreed.
Plans are paid through Stripe. Any dispute, chargeback, or refund request filed through Stripe or your card issuer is also subject to their own terms and dispute resolution process, in addition to this policy. I don't control the outcome of a dispute decided directly by Stripe or your bank.
12. Liability
My liability for any plan is limited to the amount you paid for it. I'm not liable for indirect, incidental, or consequential damages arising from your use of a Budget Roadmap, including decisions made based on it.
13. Governing Law
These terms are governed by the laws of the State of Mississippi, without regard to its conflict of law principles.
Any dispute arising from these terms will be resolved exclusively in the state or federal courts located in Mississippi.
14. Privacy
Your financial information is used only to build your personalized roadmap. I don't sell it, share it, or use it for any purpose beyond preparing and delivering your plan and responding to your follow-up questions.Your raw intake submission is kept for 30 days, matching the Follow-Up Questions window in Section 4, in case anything needs correcting, and then deleted. Your finished roadmap and the data behind it are kept as your ongoing client record for up to 1 year from your last plan or regeneration, then deleted.Your payment is processed securely by Stripe. I never see or store your card details, Stripe handles that entirely.Your intake form is hosted by Tally, a third-party form provider, which briefly processes your submission before I download it. Your information is otherwise stored and transmitted through encrypted, business-grade email and file storage, not a personal account. If a data breach affecting your information ever occurs, I'll notify you as soon as reasonably possible.
15. Disclaimer
This plan was prepared using general budgeting and debt-payoff research and methods. It is not personalized financial, legal, or tax advice, and I am not a licensed financial advisor, planner, or credit counselor. Consult a licensed professional before making significant financial decisions.
16. Changes to these Terms
I may update these terms as the business changes. The version in effect on the date you submit payment and your intake form is the one that governs your plan. The current version is always posted at this page.
Acknowledgment
By purchasing a plan and submitting your intake form, you confirm that you've read and agree to these Client Terms & Refund Policy.
Questions about any of this? Email, and it will be answered directly.
