Terms of Service:
The following terms and conditions govern all use of the Mr. Money Mustache mobile apps and websites and all content, services and products available at or through the website. The Website is owned and operated by TrueGem, LLC (“TrueGem”). The Website is offered subject to your acceptance without modification of all of the terms and conditions contained herein and all other operating rules, policies (including, without limitation, our Privacy Policy) and procedures that may be published from time to time on this Site by TrueGem (collectively, the “Agreement”).

Please read this Agreement carefully before accessing or using the website or mobile apps. By accessing or using any part of the website or mobile apps, you agree to become bound by the terms and conditions of this agreement. If you do not agree to all the terms and conditions of this agreement, then you may not access the mobile app, website or use any services. If these terms and conditions are considered an offer by TrueGem, acceptance is expressly limited to these terms. The mobile apps and website are available only to individuals who are at least 13 years old.

Your Mr. Money Mustache App Account. If you sign in to the mobile app or the website, you are responsible for maintaining the security of your account, and you are fully responsible for all activities that occur under the account. TrueGem will not be liable for any acts or omissions by You, including any damages of any kind incurred as a result of such acts or omissions.

Responsibility of Contributors. If you comment on an article, post material to the website, post links on the Website, or otherwise make (or allow any third party to make) material available by means of the Website (any such material, “Content”), you are entirely responsible for the content of, and any harm resulting from, that Content. That is the case regardless of whether the Content in question constitutes text, graphics, an audio file, or computer software. By making Content available, you represent and warrant that:

• the downloading, copying and use of the Content will not infringe the proprietary rights, including but not limited to the copyright, patent, trademark or trade secret rights, of any third party; if your employer has rights to intellectual property you create, you have either (i) received permission from your employer to post or make available the Content, including but not limited to any software, or (ii) secured from your employer a waiver as to all rights in or to the Content;
• you have fully complied with any third-party licenses relating to the Content, and have done all things necessary to successfully pass through to end users any required terms;
• the Content does not contain or install any viruses, worms, malware, Trojan horses or other harmful or destructive content;
• the Content is not spam, is not machine- or randomly-generated, and does not contain unethical or unwanted commercial content designed to drive traffic to third party sites or boost the search engine rankings of third party sites, or to further unlawful acts (such as phishing) or mislead recipients as to the source of the material (such as spoofing);
• the Content is not pornographic, does not contain threats or incite violence towards individuals or entities, and does not violate the privacy or publicity rights of any third party;and
• the Content submitted is not named or represented in a manner that misleads your readers into thinking that you are another person or Service. For example, your URL or name is not the name of a person other than yourself or Service other than your own.

Without limiting any of those representations or warranties, TrueGem has the right (though not the obligation) to, in TrueGem’s sole discretion (i) refuse or remove any content that, in TrueGem’s reasonable opinion, violates any TrueGem policy or is in any way harmful or objectionable, or (ii) terminate or deny access to and use of the mobile apps and websites to any individual or entity for any reason, in TrueGem’s sole discretion. TrueGem will have no obligation to provide a refund of any amounts previously paid.

Responsibility of Mobile Users and Website Visitors. TrueGem has not reviewed, and cannot review, all of the material posted in the mobile apps and websites, and cannot therefore be responsible for that material’s content, use or effects. By operating the mobile apps and websites, TrueGem does not represent or imply that it endorses the material there posted, or that it believes such material to be accurate, useful or non-harmful. The mobile apps and websites may contain content that is offensive, indecent, or otherwise objectionable, as well as content containing technical inaccuracies, typographical mistakes, and other errors. The mobile apps and websites may also contain material that violates the privacy or publicity rights, or infringes the intellectual property and other proprietary rights, of third parties, or the downloading, copying or use of which is subject to additional terms and conditions, stated or unstated. TrueGem disclaims any responsibility for any harm resulting from the use by users and visitors of the mobile apps and websites, or from any downloading by those users and visitors of content there posted.

Content Posted on Other Websites. We have not reviewed, and cannot review, all of the material, including computer software, made available through the mobile apps, websites and webpages to which the Content links, and that link to the mobile apps and websites. TrueGem does not have any control over those non-TrueGem websites and mobile apps, and is not responsible for their contents or their use. By linking to a non-TrueGem mobile apps, websites or webpages, TrueGem does not represent or imply that it endorses such mobile apps, websites or webpages. You are responsible for taking precautions as necessary to protect yourself and your computer systems from viruses, worms, Trojan horses, and other harmful or destructive content. TrueGem disclaims any responsibility for any harm resulting from your use of non-TrueGem mobile apps, websites and webpages.

Copyright Infringement and DMCA Policy. As TrueGem asks others to respect its intellectual property rights, it respects the intellectual property rights of others. If you believe that material located on or linked to by the mobile apps or websites violates your copyright, you are encouraged to notify TrueGem in accordance with Digital Millennium Copyright Act (“DMCA”) Policy. TrueGem will respond to all such notices, including as required or appropriate by removing the infringing material or disabling all links to the infringing material. TrueGem will terminate a visitor’s access to and use of the mobile app and/or website if, under appropriate circumstances, the visitor is determined to be a repeat infringer of the copyrights or other intellectual property rights of TrueGem or others. In the case of such termination, TrueGem will have no obligation to provide a refund of any amounts previously paid to TrueGem.

Intellectual Property. This Agreement does not transfer from TrueGem to you any TrueGem or third party intellectual property, and all right, title and interest in and to such property will remain (as between the parties) solely with TrueGem. TrueGem, Mr. Money Mustache App, mrmoneymustacheapp.com, the Mr. Money Mustache App logo, and all other trademarks, service marks, graphics and logos used in connection with the mobile apps, or the websites are trademarks or registered trademarks of TrueGem or TrueGem’s licensors. Other trademarks, service marks, graphics and logos used in connection with the website may be the trademarks of other third parties. Your use of the website grants you no right or license to reproduce or otherwise use any TrueGem or third-party trademarks.

Changes. TrueGem reserves the right, at its sole discretion, to modify or replace any part of this Agreement. It is your responsibility to check this Agreement periodically for changes. Your continued use of or access to the mobile apps or websites following the posting of any changes to this Agreement constitutes acceptance of those changes. TrueGem may also, in the future, offer new services and/or features through the mobile apps and/or websites. Such new features and/or services shall be subject to the terms and conditions of this Agreement.

Termination. TrueGem may terminate your access to all or any part of the mobile apps or websites at any time, with or without cause, with or without notice, effective immediately. If you wish to terminate this Agreement or your mobile apps or websites account (if you have one), you may simply discontinue using the mobile apps or websites. All provisions of this Agreement which by their nature should survive termination shall survive termination, including, without limitation, TrueGem provisions, warranty disclaimers, indemnity and limitations of liability.

Disclaimer of Warranties. The mobile apps and websites are provided “as is”. TrueGem and its suppliers and licensors hereby disclaim all warranties of any kind, express or implied, including, without limitation, the warranties of merchantability, fitness for a particular purpose and non-infringement. Neither TrueGem nor its suppliers and licensors, makes any warranty that the mobile apps and websites will be error free or that access thereto will be continuous or uninterrupted. You understand that you download from, or otherwise obtain content or services through, the mobile apps and websites at your own discretion and risk.

Limitation of Liability. In no event will TrueGem, or its suppliers or licensors, be liable with respect to any subject matter of this agreement under any contract, negligence, strict liability or other legal or equitable theory for: (i) any special, incidental or consequential damages; (ii) the cost of procurement for substitute products or services; or (iii) for interruption of use or loss or corruption of data. TrueGem shall have no liability for any failure or delay due to matters beyond their reasonable control. The foregoing shall not apply to the extent prohibited by applicable law.

General Representation and Warranty. You represent and warrant that (i) your use of the mobile apps and websites will be in strict accordance with the TrueGem Privacy Policy, with this Agreement and with all applicable laws and regulations (including without limitation any local laws or regulations in your country, state, city, or other governmental area, regarding online conduct and acceptable content, and including all applicable laws regarding the transmission of technical data exported from the country in which you reside) and (ii) your use of the mobile apps and websites will not infringe or misappropriate the intellectual property rights of any third party. Indemnification. You agree to indemnify and hold harmless TrueGem, its contractors, and its licensors, and their respective directors, officers, employees and agents from and against any and all claims and expenses, including attorneys’ fees, arising out of your use of the mobile apps and websites, including but not limited to your violation of this Agreement.

Miscellaneous. This Agreement constitutes the entire agreement between TrueGem and you concerning the subject matter hereof, and they may only be modified by a written amendment signed by an authorized executive of TrueGem, or by the posting by TrueGem of a revised version.