Terms and Conditions

Last updated: January 31, 2026

These Terms and Conditions (“Terms”) govern your use of
tuckr89.com
(the “Website”) and any related products, content, digital downloads, features,
memberships, and services (collectively, the “Services”) provided by
TuckR89 LLC (“TuckR89,” “we,” “us,” or “our”).

By accessing or using the Website or Services, you agree to be bound by these Terms.
If you do not agree, you must not use the Website or Services.

1. Educational Purpose Only (No Advice)

TuckR89 provides educational information related to learning, financial literacy concepts,
and social-emotional development. All content, including AI-assisted responses
(such as “Penny AI”), is provided for general educational and informational purposes only.

  • We do not provide financial, investment, legal, tax, or professional advice.
  • We do not recommend specific investments, products, services, or decisions.
  • No advisor-client, fiduciary, or professional relationship is created.
  • You remain solely responsible for decisions made outside the Services.

2. AI Features (Penny AI) — Limitations

Some Services include AI-powered features, including Penny AI.
AI-generated outputs may be incomplete, generalized, outdated, or inaccurate.

You agree not to rely on AI-generated content for financial, legal, tax,
medical, or other regulated decisions.

3. Digital Products and Downloads

Certain Services include digital products such as downloadable PDFs and
educational materials.

  • Access is provided electronically after purchase.
  • No physical goods are shipped.
  • Download links may expire or be limited for security and fraud prevention.
  • You are responsible for downloading and securely storing your files.

License for Digital Products

Unless otherwise stated on the product page, digital products are licensed for
personal or classroom use only.

  • Redistribution, resale, sublicensing, or sharing is prohibited.
  • All intellectual property rights remain with TuckR89 LLC.

Language of Digital Products

Digital products are delivered in the language specified on the product page
at the time of purchase. No additional translations are included unless
explicitly stated.

Refunds and Access Issues

Due to the nature of digital products, all sales are generally final.
If you experience issues accessing your purchase, please visit our
Download Support page
or contact us for verification and troubleshooting.

EU Digital Content & Right of Withdrawal

If you are a consumer located in the European Union, you normally have the
right to withdraw from a purchase within fourteen (14) days without giving
any reason.

However, under Article 16(m) of the EU Consumer Rights Directive, this right
does not apply to digital content supplied immediately if you have given
prior express consent and acknowledged that you will lose your right of withdrawal.

By purchasing and downloading or accessing our digital products, you expressly
consent to immediate delivery of the digital content and acknowledge that you
thereby waive your 14-day right of withdrawal once download or access has begun.

4. Memberships, Billing, and Access

Some content or features may require a paid membership. Membership details
(pricing, renewal, cancellation, and access) are provided at checkout or
within your account area.

  • Membership benefits may vary by plan and may change over time.
  • Memberships provide educational access and organization only.
  • We may suspend or restrict access to protect the Services or enforce these Terms.

5. VAT & Pricing Information

Prices displayed on this Website are shown exclusive of Value Added Tax (VAT)
unless otherwise stated. VAT may be applied based on the customer’s country
of residence and applicable EU regulations.

6. Acceptable Use

You agree to use the Services lawfully and responsibly.
You may not misuse the Services, bypass safeguards, or engage in activity
that could harm others or the Website.

Additional rules are outlined in our
Acceptable Use Policy.

7. User Content and Inputs

“User Content” includes text or information you submit through forms,
membership areas, comments (if enabled), or AI chat features.
You retain ownership of your User Content.

License to Operate the Services

You grant TuckR89 LLC a limited, non-exclusive, worldwide license to host,
store, process, and display User Content solely as necessary to provide,
secure, maintain, and improve the Services, including generating AI responses.

No Marketing Use Without Consent

We do not use your User Content for marketing or advertising without your
explicit consent. Aggregated or de-identified data may be used to improve
the Services.

8. Privacy and Data Minimization

Your use of the Services is governed by our
Privacy Policy.

You agree not to submit sensitive personal information such as passwords,
full payment details, Social Security numbers, or bank credentials through
the Services.

9. Intellectual Property

All Website content, designs, branding, educational materials, and Services
are owned by or licensed to TuckR89 LLC and protected by intellectual
property laws.

You may not copy, reproduce, distribute, or create derivative works except
as expressly permitted in writing.

10. Third-Party Links

The Website may contain links to third-party websites.
TuckR89 LLC is not responsible for third-party content, services, or policies.
Your use of third-party websites is at your own risk.

11. Accessibility

If you experience any difficulty accessing or downloading our digital content,
please contact us and we will make reasonable efforts to assist you.

12. Disclaimers

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.”
TO THE MAXIMUM EXTENT PERMITTED BY LAW,
TUCKR89 LLC DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED,
INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE,
AND NON-INFRINGEMENT.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW,
TUCKR89 LLC SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL,
SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES,
INCLUDING LOSS OF DATA, PROFITS, OR GOODWILL,
ARISING FROM YOUR USE OF THE SERVICES.

14. Governing Law & Business Location

This Website is operated from the United States.
All purchases are governed by the laws applicable in the United States,
except where EU consumer protection laws apply.

15. Governing Language

In the event of any discrepancy between translated versions of these Terms,
the English-language version shall prevail.

16. Changes to These Terms

We may update these Terms from time to time.
The “Last updated” date reflects the most recent revision.
Continued use of the Services constitutes acceptance of the updated Terms.

17. Contact

If you have questions about these Terms, contact us at
co*****@*****89.com
or via our contact page.

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