Terms of Use

1. Acceptance of Terms

By accessing or using ZephyrLedger, you agree to be bound by these Terms of Use. If you do not agree, please do not use the site.

2. Educational Purpose

ZephyrLedger provides educational content designed to help users build calm, capable money habits for everyday life. All materials are for general informational purposes only.

3. No Individualized Financial, Tax, Legal, or Investment Advice

Content on this site does not constitute personalized financial, tax, legal, or investment advice. Always consult qualified professionals for advice specific to your situation.

4. Account Responsibilities

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

5. Course Access

Access to courses and materials is granted on a non-exclusive, non-transferable basis. Accounts may be suspended for violations of these terms.

6. Catalog Descriptions and Pricing Display

All catalog descriptions and pricing are displayed accurately at the time of viewing. Prices and availability are subject to change without notice.

7. Cart and Confirmation Limitations

The cart system serves only as a display tool. Final confirmations and transactions are subject to separate processing terms.

8. Intellectual Property

All content, designs, and materials on ZephyrLedger are protected by copyright and other intellectual property laws. You may not reproduce or distribute without permission.

9. Acceptable Use

You agree not to misuse the platform, attempt unauthorized access, or engage in any activity that disrupts service for other users.

10. User Content

Any content you submit remains your responsibility. By submitting, you grant ZephyrLedger a license to use it for site operations.

11. Third-Party Links

The site may contain links to third-party resources. We are not responsible for the content or practices of those external sites.

12. Availability

We strive to maintain continuous availability but do not guarantee uninterrupted access. Maintenance or technical issues may occur.

13. Disclaimers

The site and its content are provided “as is” without warranties of any kind, express or implied.

14. Limitation of Liability

To the extent permitted by law, ZephyrLedger shall not be liable for any indirect, incidental, or consequential damages arising from use of the site.

15. Changes to Terms

We may update these terms at any time. Continued use after changes constitutes acceptance of the revised terms.

16. Termination

We reserve the right to terminate or suspend access for any user who violates these terms.

17. Governing Law

These terms are governed by the applicable laws of the State of California, without regard to conflict of law principles.