Welcome to Firefly Financial™. These Terms of Service ("Terms") govern your access to and use of the website, content, tools, and email communications (together, the "Services") provided by Firefly Jars Financial Success Systems, LLC, operating as Firefly Financial™ ("we," "us," or "our").
By accessing or using our Services, you agree to be bound by these Terms. If you do not agree, please do not use the Services.
1. Educational Purpose Only — Not Financial Advice
This is the most important thing to understand: All content, tools, calculators, worksheets, emails, and materials provided by Firefly Financial™ are for general educational and informational purposes only.
We are not a financial advisor, investment advisor, tax advisor, accountant, attorney, credit counselor, or broker-dealer, and nothing in the Services constitutes financial, investment, tax, legal, accounting, or other professional advice.
The Services do not create any fiduciary, advisory, or professional-client relationship between you and us. Before making any financial decision, you should consult a qualified, licensed professional who can consider your individual circumstances.
2. No Guarantee of Results
Personal finance results vary from person to person. We make no guarantee that using our Services, tools, or framework (including the "Jarring Framework" and related concepts) will produce any particular financial outcome, savings, debt reduction, income, or result. Your results depend on many factors outside our control, including your own decisions, effort, and circumstances.
3. The Tools Are Provided "As Is"
Our calculators, worksheets, and interactive tools are provided as helpful estimates only. They may contain errors, and their outputs are not a substitute for professional advice or your own careful judgment. You are solely responsible for verifying any numbers and for the financial decisions you make. The tools run in your own browser; we do not store or have access to the figures you enter unless explicitly stated.
4. Faith-Based Content
Our Services include faith-based perspectives, scripture references, and principles inspired by biblical teaching. This content reflects our values and is shared for inspiration and education. You are free to apply or disregard it according to your own beliefs.
5. Your Responsibilities
By using the Services, you agree that you will:
- Use the Services only for lawful, personal, non-commercial purposes;
- Provide accurate information when you sign up for emails or communications;
- Not copy, resell, redistribute, or commercially exploit our content or tools without our written permission;
- Not attempt to disrupt, hack, or interfere with the Services or their security;
- Take full responsibility for your own financial decisions.
6. Intellectual Property
All content, designs, text, graphics, logos, tool layouts, and the names "Firefly Financial™," the "Jarring Framework," and the jar and tool names are the property of Firefly Jars Financial Success Systems, LLC and are protected by copyright, trademark, and other laws. You may use the free tools for your own personal financial management, but you may not reproduce, distribute, or create derivative works for commercial purposes without our prior written consent.
7. Email Communications
When you opt in to our email list, you agree to receive emails from us, which may include educational content, tool links, updates, and occasional offers. You may unsubscribe at any time using the link in any email.
8. Third-Party Links and Services
Our Services may link to third-party websites, platforms, or services (for example, our email provider or external resources). We are not responsible for the content, accuracy, privacy practices, or actions of any third party. Your use of third-party services is at your own risk and subject to their terms.
9. Disclaimer of Warranties
The Services are provided "as is" and "as available," without warranties of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that the Services will be uninterrupted, error-free, secure, or free of harmful components.
10. Limitation of Liability
To the fullest extent permitted by law, Firefly Jars Financial Success Systems, LLC, and its owners, members, and affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of money, profits, savings, or data, arising out of or related to your use of (or inability to use) the Services — even if we have been advised of the possibility of such damages. Your sole remedy for dissatisfaction with the Services is to stop using them.
11. Indemnification
You agree to indemnify and hold harmless Firefly Jars Financial Success Systems, LLC and its owners and affiliates from any claims, losses, liabilities, damages, costs, or expenses (including reasonable attorneys' fees) arising out of your use of the Services or your violation of these Terms.
12. Changes to These Terms
We may update these Terms from time to time. When we do, we will revise the "Last updated" date above. Your continued use of the Services after changes are posted means you accept the updated Terms.
13. Governing Law
These Terms are governed by the laws of the State of Colorado, without regard to its conflict-of-law principles. Any disputes arising under these Terms will be handled in the state or federal courts located in Arapahoe County, Colorado.
14. Contact Us
Questions about these Terms? Reach us at:
Firefly Jars Financial Success Systems, LLC
Operating as Firefly Financial™
Email: delyce@fireflyfinancialsuccess.com
This document is a general template and not legal advice. We recommend having it reviewed by a licensed attorney in your state before relying on it.