Terms of Service & Sale

Last updated: 18 September 2026

1. About These Terms

These Terms of Service & Sale ("Terms") govern purchases made through www.themoneyhood.com and your use of Moneyhood™ products.

Moneyhood™ is operated by Micaela Blanco, trading as Moneyhood™ ("Moneyhood™", "we", "us" or "our").

By purchasing a Moneyhood™ product, you agree to these Terms.

Nothing in these Terms limits consumer rights that applicable law does not allow you to waive.

2. About Moneyhood™

Moneyhood™ is a family financial-capability educational programme designed to help parents teach children how to understand, practise and make decisions about money.

Moneyhood™ provides educational content.

It does not provide personalised financial, investment, tax, accounting, legal, credit or banking advice.

3. Who Can Purchase

You must be at least 18 years old, or the age of legal majority where you live, and legally capable of entering into a contract.

Moneyhood™ products are purchased and managed by adults.

4. Products and Access

The product, programme levels, resources and features included in your purchase are described on the relevant sales and checkout pages at the time of purchase.

Purchasing one Moneyhood™ product does not provide access to another paid product unless specifically stated as part of the offer.

We may change the content, structure and pricing of future offers without changing the terms of a purchase already completed.

5. Prices and Payment

The price displayed at checkout is the price applicable to your purchase, together with any applicable taxes or charges shown before payment.

Unless expressly stated otherwise before purchase, Moneyhood™ products are sold as one-time purchases and not recurring subscriptions.

Payments may be processed by third-party payment providers.

By submitting payment, you confirm that you are authorised to use the selected payment method.

6. Digital Delivery and Immediate Access

Moneyhood™ is a digital product.

Following successful payment, you may receive immediate access to your purchased programme and resources through:

• moneyhood.app;
• downloadable digital materials;
• email; or
• another digital delivery method described at checkout.

Because access to Moneyhood™'s digital content is provided immediately, purchases are considered final once digital access has begun.

7. Refunds

Moneyhood™ does not offer refunds for change of mind once access to the digital product has been provided.

This is because your purchase gives you immediate access to digital programme content and resources that cannot be physically returned.

This includes circumstances where you:

• change your mind after purchasing;
• choose not to use the programme;
• do not complete the programme; or
• later decide the programme is not suitable for your family.

This policy does not remove any refund, cancellation or other consumer right that applicable law does not permit us to exclude.

Please review our Refund Policy before completing your purchase.

8. Immediate Access and Statutory Withdrawal Rights

Some jurisdictions provide consumers with a statutory cooling-off or withdrawal period for online purchases.

Special rules may apply when digital content is supplied immediately.

Where required by applicable law, before providing immediate access we may ask you to:

1. expressly request that supply of the digital content begins immediately; and
2. acknowledge that once digital supply begins, you may lose your statutory right to withdraw from the purchase.

Any statutory rights you cannot legally waive remain unaffected.

9. Licence to Use Moneyhood™

Your purchase gives you a limited, personal, non-exclusive and non-transferable licence to use the purchased Moneyhood™ product for private family use.

You may download or print resources where the product allows it.

You may not, without our written permission:

• resell or redistribute Moneyhood™ content;
• share paid materials with unrelated families;
• publish substantial portions of the programme;
• reproduce Moneyhood™ materials commercially;
• upload paid resources to shared libraries;
• remove copyright or ownership notices;
• create a competing product substantially derived from Moneyhood™ materials; or
• use Moneyhood™ content to train artificial-intelligence models or datasets.

Purchasing Moneyhood™ gives you permission to use the product. It does not transfer ownership of Moneyhood™ intellectual property.

10. Intellectual Property

Moneyhood™'s programme structure, lessons, written content, activities, worksheets, illustrations, graphics, branding, designs, digital resources and other original materials are owned by or licensed to Moneyhood™ and protected by applicable intellectual-property laws.

11. Educational Purpose

Moneyhood™ provides financial education and learning experiences.

Nothing within Moneyhood™ constitutes personalised professional financial advice.

Financial systems, laws, taxes, products and circumstances vary between countries and families.

Parents and guardians remain responsible for financial decisions made for themselves and their families.

Where professional advice is appropriate, you should consult a suitably qualified professional.

12. No Guarantee of Outcomes

Moneyhood™ is designed to help children practise financial decision-making.

We do not guarantee any particular:

• financial result;
• saving amount;
• investment performance;
• educational result;
• behavioural change; or
• level of future financial independence.

Results vary between individuals and families.

13. Acceptable Use

You must not use Moneyhood™:

• unlawfully or fraudulently;
• to gain unauthorised access to our systems;
• to interfere with Moneyhood™'s security or operation;
• to introduce malicious software;
• to infringe intellectual-property or privacy rights; or
• to bypass restrictions on paid content.

We may restrict access where serious misuse, fraud, unlawful activity or security threats occur.

14. Availability and Updates

We may make reasonable updates to Moneyhood™, including changes to:

• design;
• functionality;
• technical infrastructure;
• security;
• programme presentation; and
• educational content.

Temporary interruptions may occur because of maintenance, updates, technical problems or circumstances outside our reasonable control.

We will not intentionally remove the core substance of a purchased product in a way that deprives you of what you purchased without providing any remedy required by applicable law.

15. Third-Party Services

Moneyhood™ may rely on third-party providers for services such as payment processing, hosting, authentication and technical infrastructure.

Their independent services may also be subject to their own terms and privacy policies.

16. Liability

Nothing in these Terms excludes or limits liability where doing so would be unlawful.

To the extent permitted by applicable law, Moneyhood™ is not responsible for indirect or consequential losses that were not reasonably foreseeable or for financial decisions made independently by users outside the educational purpose of Moneyhood™.

Mandatory consumer protections remain unaffected.

17. Privacy

Personal information collected through www.themoneyhood.com is handled according to our Privacy Policy.

Use of moneyhood.app is subject to the privacy and usage terms available within the application.

18. Changes to These Terms

We may update these Terms where reasonably necessary because of changes to Moneyhood™, applicable law, security requirements or our operations.

Changes will not retroactively remove rights relating to a completed purchase.

19. Contact

Moneyhood™ Operated by Micaela Blanco, trading as Moneyhood™

Support: support@themoneyhood.com

Website: www.themoneyhood.com Web app: moneyhood.app