Terms of Service

1. Acceptance of terms and eligibility

MoneyHarvester Ltd provides the services described in these terms. By using our site you confirm that you are at least 16 years old and have the legal capacity to enter into a binding agreement. If you are 16 or 17, you may use the site only with the consent and supervision of a parent or legal guardian who agrees to be bound by these terms on your behalf. If you do not meet these requirements, you must not use the site. You also agree that you will comply with all applicable laws, rules, and regulations when using our services.

2. Service description

MoneyHarvester is an educational platform that publishes guides, case studies, checklists, calculators, and related materials that focus on income sources, passive strategies, and financial systems. We aim to provide practical and transparent frameworks that help you plan small tests, measure outcomes, and make informed decisions. The service may include free articles, paid resources, newsletters, and email communications if you opt in. We do not provide individualized financial, investment, legal, tax, or accounting advice. Any examples or case studies are illustrative and use assumptions that may not apply to your situation.

Access to certain resources may require payment or registration. Pricing and features for paid offerings are described on the Pricing page. We may add, modify, or remove features to improve clarity, compliance, or performance. If we make material changes to a paid feature, we will communicate those changes in a reasonable manner consistent with applicable consumer protection laws.

3. User obligations

You agree to use the site only for lawful purposes and in a way that does not infringe the rights of MoneyHarvester or any third party. If an account is required, you must provide accurate information, keep your credentials secure, and promptly update details that change. One account per individual is permitted. You may not share your login or give others access to paid materials through your account. You are responsible for all activities that occur under your account. If you believe your account has been compromised, notify us immediately at [email protected].

You are responsible for evaluating the suitability of any strategy, tool, or template for your own business and for complying with advertising, consumer protection, privacy, and financial regulations that apply to you. Always test with small, reversible steps and maintain adequate records before scaling spend or operational commitments.

4. Intellectual property

All content on the site, including text, graphics, logos, icons, images, videos, software, and design elements, is owned by or licensed to MoneyHarvester Ltd and is protected by copyright, trademark, and other intellectual property laws. Subject to your compliance with these terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the site and to download copies of resources you have purchased or legitimately accessed for your personal or internal business use only.

You may not reproduce, distribute, publicly display, adapt, translate, or create derivative works from our materials without our prior written permission. You may not remove any proprietary notices or attempt to circumvent access controls. MoneyHarvester and associated marks are trademarks of MoneyHarvester Ltd. All rights not expressly granted are reserved.

5. Prohibited activities

You agree not to engage in any of the following activities while using the site:

• Scraping, harvesting, or indexing content or data using automated means without our written consent.
• Reverse engineering, decompiling, or attempting to derive source code from any part of the site.
• Uploading, transmitting, or distributing malware, spyware, or any harmful code.
• Impersonating any person or entity or misrepresenting your affiliation with a person or entity.
• Sending unsolicited commercial messages, spam, or conducting pyramid or chain schemes.
• Infringing the intellectual property, privacy, or other rights of MoneyHarvester or third parties.
• Using the site for illegal activities or to promote prohibited products or services.
• Attempting to bypass security or access features you are not authorized to use.

6. Disclaimer of warranties

The site and all content are provided on an as is and as available basis. To the fullest extent permitted by law, MoneyHarvester disclaims all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the site will be uninterrupted, timely, secure, or error free, that defects will be corrected, or that the site or the server that makes it available are free of viruses or other harmful components. We make no guarantees regarding outcomes or results from applying any information found on the site. You assume full responsibility for your use of the site, including any decisions you make and actions you take based on our content.

7. Limitation of liability

To the maximum extent permitted by law, MoneyHarvester Ltd and its directors, officers, employees, contractors, and agents will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including lost profits, lost revenues, lost data, or business interruption, arising out of or related to your use of or inability to use the site, whether based on warranty, contract, tort, or any other legal theory, and whether or not we have been informed of the possibility of such damage. Our total aggregate liability for direct damages arising from or related to the services will be limited to the greater of 0 and the amount you paid to us for the service in the twelve months preceding the event or 100 euros, whichever is lower. Some jurisdictions do not allow certain limitations of liability, so some of the above may not apply to you. In those cases, our liability will be limited to the maximum extent permitted by law.

8. Indemnification

You agree to indemnify, defend, and hold harmless MoneyHarvester Ltd and its directors, officers, employees, contractors, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in any way connected with your access to or use of the site, your violation of these terms, or your infringement of any third-party rights. We reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you, in which case you agree to cooperate with our defense of such claims.

9. Third-party links and tools

The site may reference or link to third-party websites, products, or services, including analytics providers or embedded tools. These third-party resources are provided for convenience and informational purposes only. We do not control and are not responsible for the content, policies, or practices of third-party sites. Your use of any third-party resource is at your own risk and subject to the terms and privacy policies of those providers. References to third-party brands or platforms do not imply endorsement.

10. Privacy

Your use of the site is also governed by our Privacy Policy, which explains what data we collect, how we use it, the legal bases for processing, how long we retain it, and your rights. By using the site you acknowledge that personal data will be processed in accordance with our Privacy Policy. If you sign up for newsletters or resources, you consent to receive the messages you requested and you can unsubscribe at any time using the link in our emails or by contacting us. For details see our Privacy Policy.

11. Payments, renewals, and refunds

If you purchase paid resources or subscriptions, prices and features will be displayed before checkout on our Pricing page. Taxes may apply depending on your location. Unless otherwise stated, subscriptions renew automatically at the end of each billing period. You can cancel renewal at any time before the renewal date to avoid future charges. Where a money back guarantee is not explicitly offered for a specific product, all sales are final. If we provide a refund as a gesture of goodwill, that does not create an obligation to offer refunds in the future. Access to paid materials is contingent on successful payment and compliance with these terms.

12. Changes to the services

We may update content, templates, and tools to improve clarity, reflect policy changes on advertising platforms, or correct inaccuracies. If we discontinue a feature that materially affects a current paid plan, we will provide reasonable notice and where appropriate offer alternatives or prorated adjustments consistent with consumer law. We are not responsible for changes in third-party platforms or policies that affect your use of our materials, including changes by Google, Meta, or other providers.

13. Governing law

These terms are governed by the laws of England and Wales, without regard to conflict of law principles. You and MoneyHarvester agree to the exclusive jurisdiction of the courts of London for the resolution of any dispute arising from or relating to these terms or the services, subject to the informal dispute resolution process described below.

14. Dispute resolution

Before filing a claim in court, you agree to first contact us at [email protected] and provide a written description of the dispute, including your name, the email associated with your account if applicable, a brief summary of the issue, and your requested resolution. We will work in good faith to resolve the dispute informally within 30 days of receiving your notice. If the matter is not resolved within that period, either party may bring an action in the courts identified above. Nothing in this section prevents either party from seeking interim or injunctive relief where appropriate.

15. Termination

We may suspend or terminate your access to the site, with or without notice, if we reasonably believe that you have violated these terms, engaged in unlawful activity, or created risk or possible legal exposure for us or others. Upon termination, your right to use the site and access materials ends immediately, except for any copies of resources you have legitimately downloaded for your own internal use subject to the restrictions above. Sections regarding intellectual property, disclaimers, limitation of liability, indemnification, governing law, and dispute resolution will survive termination.

16. Modifications to these terms

We may modify these terms to reflect changes in law, improvements to our services, or for other operational reasons. When we make changes, we will update the Last Updated date at the top of this page. Material changes will take effect 14 days after posting. Your continued use of the site after the effective date constitutes your acceptance of the updated terms. If you do not agree to the updated terms, you should stop using the site before they take effect.

17. Contact

MoneyHarvester Ltd is the entity that provides the services described in these terms. If you have questions about these terms, or if you would like to send notices regarding legal matters, please contact us using the details below. We aim to respond within two business days.

• Company: MoneyHarvester Ltd
• Address: 12 Baker Street, London, W1U 3BH
• Phone: +44 20 3301 4486
• Email: [email protected]

For data protection questions, please see our Privacy Policy, which explains how to exercise your privacy rights, including access, deletion, and objection to marketing.