The Money Friend

Terms of Service

Last updated: March 29, 2026

Welcome to The Money Friend, operated by Venture Panda LLC. By accessing or using our website at themoneyfriend.com (the "Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Site.

1. User Representations and Warranties

By accessing or using the Site, you represent and warrant that:

  • You are at least 18 years of age or the age of legal majority in your jurisdiction
  • You have the legal capacity to enter into these Terms
  • Any information you provide to us (such as your email address for our newsletter) is accurate, current, and complete
  • You will not use the Site for any purpose that is unlawful or prohibited by these Terms
  • You will not attempt to reverse-engineer, decompile, disassemble, or otherwise attempt to derive the source code of any software or tools on this Site
  • You will not use automated systems (bots, spiders, scrapers) to access the Site except as expressly permitted by our robots.txt file
  • Your use of the Site will comply with all applicable local, state, national, and international laws and regulations

2. We Are Not a Financial Institution

Venture Panda LLC, d/b/a The Money Friend, is not a bank, lender, mortgage broker, loan originator, insurance provider, broker-dealer, investment advisor, financial planner, tax professional, legal professional, or any other type of financial institution or licensed financial services provider.

We do not offer or provide financial products or services of any kind. We do not accept deposits, make loans, underwrite insurance, manage investments, or execute securities transactions. We do not take loan applications, negotiate loan terms, process mortgage transactions, or perform any settlement services.

The content on this Site is for informational and educational purposes only. It is not financial advice, investment advice, tax advice, or legal advice. The information we provide, including blog posts, guides, calculator results, and product recommendations, is based on publicly available data, general financial principles, and our own research. It should not be relied upon as a substitute for professional advice tailored to your individual circumstances.

Always consult a licensed financial advisor, certified public accountant, or other qualified professional before making financial decisions. Your financial situation is unique, and the general information on our Site may not apply to your specific circumstances.

3. Calculator Disclaimer

Our financial calculators are tools designed to provide estimates and general guidance. Calculator results are based entirely on the values you input and on simplified financial models. They do not account for every variable that may affect your actual financial situation.

Calculator results:

  • Are estimates only and should not be treated as guarantees or promises of specific outcomes
  • May differ from actual costs, rates, payments, or returns you experience
  • Do not account for all fees, taxes, insurance, or other costs that may apply in your situation
  • Use generalized assumptions about interest rates, appreciation, inflation, and other financial variables
  • Are not a substitute for quotes, pre-approvals, or professional financial analysis

We make no warranty that calculator results are accurate, complete, or suitable for your financial decisions. Use them as a starting point for your research, not as a final answer.

Interest rates, payments, and loan terms shown in our calculators are illustrative examples only. They do not represent an offer to lend, a commitment to make a loan, or a guarantee of any specific rate or term. Actual rates and terms are determined by lenders based on your individual credit profile and may differ from examples shown. Past performance and historical data do not guarantee future results.

3a. Fair Housing

All housing-related content, calculators, and tools on this Site are provided in compliance with the Fair Housing Act. We do not discriminate based on race, color, religion, sex, handicap, familial status, or national origin. Our calculators evaluate affordability based solely on financial inputs and do not collect or consider demographic information. Equal Housing Opportunity.

4. Affiliate Links and Compensation

Our Site contains affiliate links to financial products and services. When you click on these links and make a purchase or take a qualifying action (such as opening an account), we may earn a commission at no additional cost to you.

Our affiliate relationships do not influence our calculator results, which are driven by mathematical formulas and your inputs. Our content recommendations are based on research and publicly available information. For full details about how we earn money and how it affects our content, please read our Affiliate Disclosure page.

5. Digital Products and Templates

We may sell digital products, including financial planning templates and spreadsheets, through third-party payment processors.

Refund Policy

Because our products are digital goods delivered electronically, all sales are final once the product has been downloaded or access has been granted. We do not offer refunds for digital products after delivery. If you experience a technical issue that prevents you from accessing a product you purchased, please contact us and we will work to resolve the issue.

Product Accuracy

Our templates and digital products are designed to assist with financial planning and organization. They are tools, not professional advice. The calculations and frameworks within our products are based on general financial principles and may not reflect the specific rules, rates, or regulations that apply in your jurisdiction or situation. You are responsible for verifying all figures and consulting a qualified professional as needed.

License

When you purchase a digital product from The Money Friend, you receive a personal, non-transferable, non-exclusive license to use the product for your own personal or household financial planning. You may not resell, redistribute, or share purchased products with others. You may not claim our templates as your own work or remove attribution.

6. Intellectual Property

All content on this Site, including text, graphics, logos, images, calculator designs, templates, and software, is the property of Venture Panda LLC (d/b/a The Money Friend) or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.

You may:

  • View and use our Site for personal, non-commercial purposes
  • Share links to our content
  • Print or save individual pages for personal reference

You may not:

  • Reproduce, distribute, or republish our content without written permission
  • Use our content, data, or any materials from the Site to train, fine-tune, or otherwise develop artificial intelligence or machine learning models, algorithms, or datasets, whether for commercial or non-commercial purposes
  • Scrape, crawl, or systematically download our content by any automated means
  • Use any data mining, robots, or similar data-gathering or extraction methods on our content
  • Remove copyright notices, watermarks, or attribution
  • Use our trademarks, logo, or brand name without written permission
  • Frame or mirror any part of the Site without our written consent

7. Acceptable Use

When using our Site, you agree not to:

  • Use the Site for any unlawful purpose or in violation of any applicable laws
  • Attempt to gain unauthorized access to any part of the Site, its servers, or any systems connected to the Site
  • Interfere with or disrupt the operation of the Site
  • Transmit any viruses, malware, or other harmful code
  • Use automated tools to access the Site in a manner that exceeds reasonable use (for example, excessive scraping or crawling)
  • Impersonate The Money Friend or misrepresent your affiliation with us
  • Collect or harvest any personally identifiable information from the Site
  • Use the Site to advertise or solicit without our prior written consent

8. Third-Party Links and Services

Our Site contains links to third-party websites, products, and services. These links are provided for your convenience and do not constitute an endorsement by The Money Friend. We have no control over the content, privacy practices, or availability of third-party sites, and we are not responsible for any losses or damages arising from your use of them.

When you leave our Site by clicking a third-party link, you are subject to that site's terms of service and privacy policy, not ours.

9. Disclaimer of Warranties

OUR SITE AND ALL CONTENT, TOOLS, PRODUCTS, AND SERVICES PROVIDED THROUGH IT ARE OFFERED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, VENTURE PANDA LLC (D/B/A THE MONEY FRIEND) DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO: IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT; WARRANTIES THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; WARRANTIES REGARDING THE ACCURACY, RELIABILITY, TIMELINESS, OR COMPLETENESS OF ANY CONTENT, INCLUDING CALCULATOR RESULTS, FINANCIAL DATA, PRODUCT INFORMATION, OR EDITORIAL CONTENT; AND WARRANTIES THAT FINANCIAL PRODUCTS OR SERVICES RECOMMENDED ON OUR SITE WILL BE SUITABLE FOR YOUR NEEDS OR AVAILABLE IN YOUR AREA. YOUR USE OF THE SITE IS AT YOUR OWN RISK. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM THE MONEY FRIEND OR THROUGH THE SITE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, VENTURE PANDA LLC (D/B/A THE MONEY FRIEND), ITS OWNERS, OPERATORS, MEMBERS, MANAGERS, EMPLOYEES, CONTRIBUTORS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE SITE, INCLUDING BUT NOT LIMITED TO: FINANCIAL LOSSES RESULTING FROM DECISIONS MADE BASED ON OUR CONTENT, CALCULATOR RESULTS, OR PRODUCT RECOMMENDATIONS; LOSS OF DATA, PROFITS, REVENUE, OR BUSINESS OPPORTUNITIES; DAMAGES ARISING FROM THIRD-PARTY PRODUCTS OR SERVICES ACCESSED THROUGH OUR SITE; DAMAGES FROM UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR DATA; AND PERSONAL INJURY OR PROPERTY DAMAGE OF ANY NATURE WHATSOEVER.

IN NO EVENT SHALL OUR TOTAL AGGREGATE LIABILITY EXCEED THE GREATER OF: (A) THE TOTAL AMOUNT YOU HAVE PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100). THIS LIMITATION APPLIES REGARDLESS OF THE THEORY OF LIABILITY (WHETHER CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE) AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

11. Indemnification

You agree to indemnify, defend, and hold harmless Venture Panda LLC (d/b/a The Money Friend), its owners, operators, members, managers, and contributors from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees and costs) arising from: (a) your use of the Site; (b) your violation of these Terms; (c) your violation of any rights of another party; or (d) any content you submit or transmit through the Site.

12. Dispute Resolution and Binding Arbitration

Please read this section carefully. It affects your legal rights, including your right to file a lawsuit in court and to have a jury trial.

12a. Informal Resolution Period

Before initiating any formal dispute resolution, you and Venture Panda LLC agree to first attempt to resolve any dispute, claim, or controversy arising out of or relating to these Terms or the Site ("Dispute") informally. The party raising the Dispute must send a written notice describing the nature of the Dispute and the relief sought to the other party. For notices to us, send to: legal@themoneyfriend.com. Both parties agree to negotiate in good faith for at least sixty (60) days from the date the notice is received. If the Dispute cannot be resolved informally within this period, either party may proceed to arbitration as described below.

12b. Mandatory Binding Individual Arbitration

If a Dispute cannot be resolved informally, you and Venture Panda LLC agree that any Dispute shall be resolved exclusively through final and binding individual arbitration, rather than in court. Arbitration shall be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules then in effect, which are available at www.adr.org. If the AAA is unavailable or unable to administer the arbitration, the parties shall agree on an alternative arbitration provider, or a court of competent jurisdiction shall appoint one.

The arbitration shall be conducted by a single arbitrator. The arbitrator shall have exclusive authority to resolve all Disputes, including the scope, enforceability, and arbitrability of these Terms. The arbitration shall be conducted in the English language and shall take place in New York County, New York, unless the parties mutually agree to a different location or to virtual proceedings.

For Disputes involving $10,000 or less, the arbitration shall be conducted solely on the basis of written submissions (documents only, no hearing), unless the arbitrator determines that a hearing is necessary. For Disputes involving more than $10,000, either party may request a hearing, which may be conducted by phone, video conference, or in person as determined by the arbitrator.

Payment of arbitration fees shall be governed by the AAA's Consumer Arbitration Rules. If the arbitrator finds that either the substance of your claim or the relief sought is frivolous or brought for an improper purpose, then the payment of all fees will be governed by the AAA's standard rules.

12c. Class Action and Jury Trial Waiver

YOU AND VENTURE PANDA LLC AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, REPRESENTATIVE, OR PRIVATE ATTORNEY GENERAL ACTION OR PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. BY AGREEING TO THESE TERMS, YOU AND VENTURE PANDA LLC EACH WAIVE THE RIGHT TO A TRIAL BY JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION.

12d. Mass Arbitration Protocol

If twenty-five (25) or more similar arbitration demands are filed against the same party by the same or coordinated counsel within a sixty (60) day period ("Mass Filing"), the following procedures apply: the claims shall be organized into batches of no more than fifty (50) claims each. A single arbitrator shall be appointed for each batch. Only one batch shall proceed at a time, and the resolution of each batch shall inform settlement discussions for remaining batches. The parties shall cooperate in good faith to resolve remaining batches efficiently. Fees for each batch shall be governed by the AAA's Consumer Arbitration Rules.

12e. Small Claims Court Exception

Notwithstanding the foregoing, either party may bring an individual action in small claims court for Disputes within the jurisdiction of that court. If the Dispute is removed or appealed from small claims court to a court of general jurisdiction, the arbitration agreement shall apply.

12f. Opt-Out Right

You may opt out of this arbitration agreement by sending written notice to legal@themoneyfriend.com within thirty (30) days of your first use of the Site after this provision takes effect. Your opt-out notice must include your full name, mailing address, and a clear statement that you wish to opt out of this arbitration agreement. If you opt out, you may pursue Disputes in court, but the class action waiver in Section 12c shall remain in effect to the fullest extent permitted by law.

13. Statute of Limitations

You agree that any claim or cause of action arising out of or related to your use of the Site or these Terms must be filed within one (1) year after such claim or cause of action arose, or it shall be forever barred. This shortened limitations period applies regardless of the nature of the claim or the legal theory on which it is based, except where a shorter limitations period is provided by applicable law that cannot be waived. This limitations period applies to the fullest extent permitted by law.

14. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law principles. For any Dispute not subject to arbitration (including actions to enforce an arbitration award), you consent to the exclusive jurisdiction and venue of the state and federal courts located in New York County, New York.

15. State-Specific Provisions

New Jersey Residents

If you are a New Jersey resident, the following applies: notwithstanding any provision in these Terms to the contrary, the limitation of liability, disclaimer of warranties, indemnification, and arbitration provisions of these Terms do not limit any rights you may have under the New Jersey Consumer Fraud Act, the New Jersey Truth-in-Consumer Contract, Warranty and Notice Act, or other applicable New Jersey consumer protection laws that cannot be waived by agreement. Nothing in these Terms is intended to limit your rights under New Jersey law to the extent such limitation is prohibited.

California Residents

If you are a California resident, in accordance with California Civil Code Section 1789.3, you may file a complaint with the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs by contacting them in writing at 1625 North Market Blvd., Suite N 112, Sacramento, California 95834, or by phone at (800) 952-5210.

16. Modifications to These Terms

We reserve the right to update or modify these Terms at any time. When we make changes, we will update the "Last updated" date at the top of this page. For material changes, we will provide prominent notice on the Site or, where possible, notify registered users by email. Your continued use of the Site after any changes constitutes your acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using the Site. We encourage you to review these Terms periodically.

17. Severability

If any provision of these Terms is found to be unenforceable or invalid by a court or arbitrator of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall continue in full force and effect. If the class action waiver in Section 12c is found to be unenforceable with respect to a particular claim, then the entirety of the arbitration agreement in Section 12 shall be null and void with respect to that claim only.

18. Entire Agreement

These Terms, together with our Privacy Policy and Affiliate Disclosure, constitute the entire agreement between you and The Money Friend regarding your use of the Site. These Terms supersede all prior agreements, communications, and understandings, whether written or oral, regarding the Site.

Contact Us

If you have questions about these Terms of Service, please contact us at:

Venture Panda LLC, d/b/a The Money Friend
Website: themoneyfriend.com
Email: legal@themoneyfriend.com