Terms of Service

Last updated: 1/22/2026

⚠️ Important: Educational Purposes Only

NOT FINANCIAL ADVICE: Money Pitfalls and all its tools, calculators, content, and resources are provided for educational and informational purposes only. Nothing on this platform constitutes financial, investment, tax, or legal advice.

We are not licensed financial advisors, investment advisors, or financial planners. The information provided should not be relied upon as a substitute for professional financial advice tailored to your specific circumstances.

Always consult with qualified professionals (financial advisors, tax consultants, legal counsel) before making any financial decisions. Past performance does not guarantee future results. You are solely responsible for your financial decisions.

1. Agreement to Terms

By accessing our website, you agree to be bound by these Terms of Service and to comply with all applicable laws and regulations. If you do not agree with these terms, you are prohibited from using or accessing this site.

2. Use License

Permission is granted to temporarily download one copy of the materials (information or software) on Money Pitfalls' website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

  • modify or copy the materials;
  • use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
  • attempt to decompile or reverse engineer any software contained on Money Pitfalls' website;
  • remove any copyright or other proprietary notations from the materials; or
  • transfer the materials to another person or "mirror" the materials on any other server.

3. Disclaimer

The materials on Money Pitfalls' website are provided on an 'as is' basis. Money Pitfalls makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

Further, Money Pitfalls does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its website or otherwise relating to such materials or on any sites linked to this site.

4. Limitations

In no event shall Money Pitfalls or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on Money Pitfalls' website, even if Money Pitfalls or a Money Pitfalls authorized representative has been notified orally or in writing of the possibility of such damage.

5. Subscription Terms

Premium features are offered on a subscription basis. By subscribing, you agree to pay the applicable fees on a recurring basis (monthly or annually) until you cancel.

  • Free Trial: New subscribers may be eligible for a 7-day free trial. You will not be charged until the trial period ends.
  • Cancellation: You may cancel your subscription at any time through your account settings. Cancellation takes effect at the end of the current billing period.
  • Refunds: Subscription fees are non-refundable except as required by law or at our sole discretion.
  • Price Changes: We reserve the right to modify subscription prices with 30 days' notice to existing subscribers.

6. Governing Law

These terms and conditions are governed by and construed in accordance with the laws of Sweden. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the Swedish courts. For EU residents, you also have rights under EU consumer protection laws.