Terms of Service

Agreement to Terms

By accessing and using PocketTheory (pockettheory.com), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website.

Description of Service

PocketTheory is a personal finance publication providing educational content, articles, and information on budgeting, saving money, and financial habits. We are not a financial advisor and do not provide personalized financial advice.

Not Financial Advice

Important: All content on PocketTheory is for educational and informational purposes only. Nothing on this website constitutes financial, legal, tax, or investment advice. Always consult a qualified financial professional before making financial decisions. We are not responsible for decisions made based on our content.

Intellectual Property

All content on PocketTheory — including articles, graphics, logos, and design — is owned by PocketTheory and protected by copyright law. You may not reproduce, distribute, or create derivative works without explicit written permission.

You may share links to our content and quote brief excerpts (up to 100 words) with attribution and a link back to the original article.

User Conduct

You agree not to:

• Scrape, crawl, or systematically download our content
• Use our content for AI training without permission
• Reproduce our articles in full without written permission
• Attempt to gain unauthorized access to our systems
• Interfere with the proper functioning of the website

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or accuracy of information on third-party sites. Links do not imply endorsement.

Affiliate Disclosure

PocketTheory may earn affiliate commissions from links to products or services. We only recommend products we genuinely believe are useful. Affiliate relationships do not influence our editorial content. All affiliate relationships are clearly disclosed.

Disclaimer of Warranties

PocketTheory is provided "as is" without warranties of any kind. We do not guarantee the accuracy, completeness, or timeliness of our content. Financial information changes frequently and may be outdated.

Limitation of Liability

To the maximum extent permitted by law, PocketTheory shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our website or reliance on our content.

Changes to Terms

We may update these terms from time to time. Continued use of the website after changes constitutes acceptance of the new terms.

Contact

Questions about these terms? Contact us at legal@pockettheory.com.