Terms and Conditions

Last updated: March 3, 2026

These Terms and Conditions (“Terms”) govern your use of
tuckr89.com (the “Website”) and any related products, content,
digital downloads, AI features, memberships, and services (including money coaching)
(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 content and money coaching focused on budgeting,
debt management, savings habits, and financial organization. All content,
including AI-assisted responses (such as “Penny AI”), is provided for general
educational and informational purposes only.

  • We do not provide investment advice, securities recommendations, or portfolio management.
  • We do not provide financial planning services.
  • We do not provide legal, tax, or accounting advice.
  • TuckR89 LLC is not a registered investment advisor, broker-dealer, CPA, or law firm.
  • No advisor-client, fiduciary, or professional relationship is created.
  • You remain solely responsible for your decisions and outcomes.

2. Money Coaching Services

Money coaching sessions may be offered by phone or video and are designed to help you
create actionable systems for budgeting, debt payoff, and savings habits.

  • No guarantees: Results are not guaranteed and depend on individual effort, circumstances, and consistency.
  • Your responsibility: You are responsible for verifying information, applying recommendations appropriately, and making final decisions.
  • Do not share sensitive credentials: Do not send banking passwords, full account numbers, or sensitive tax identifiers through the Website, email, chat, or coaching sessions.

3. 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AI-generated outputs may be incomplete, generalized, outdated, or inaccurate.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 investment, legal, tax, medical,
or other regulated decisions. You are responsible for verifying any information
before acting on it.

4. 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.

Refunds and Access Issues (Digital Products)

Due to the nature of digital products, all sales are generally final unless otherwise stated
in our Refund/Download Policy.
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.

5. 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 in your account area.

  • Membership benefits may vary by plan and may change over time.
  • We may suspend or restrict access to protect the Services or enforce these Terms.
  • If you cancel, you may retain access through the end of your billing period (unless otherwise stated at checkout).

6. Coaching Booking, Payments, Cancellations (When Enabled)

If booking and payments for coaching sessions are enabled (for example, through a scheduling plugin),
additional details may be displayed at checkout, including session length, pricing, cancellation windows,
rescheduling rules, and no-show policies.

  • Cancellations/Rescheduling: If permitted, you must follow the instructions in your confirmation email or account portal.
  • No-shows: Failure to attend a scheduled session may result in forfeiture of that session (subject to the policy shown at checkout).
  • Late arrivals: Sessions may still end at the scheduled time to respect the calendar.

Coaching policies are also governed by our Refund/Download Policy
and any checkout terms presented at time of booking.

7. VAT & Pricing Information

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

8. 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.

9. 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.

10. Privacy

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.

11. 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.

12. Third-Party Links & Services

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

13. Accessibility

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

14. 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.

15. 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 OR RELATED TO YOUR USE OF THE SERVICES.

16. Indemnification

You agree to indemnify and hold harmless TuckR89 LLC from and against any claims,
liabilities, damages, losses, and expenses (including reasonable attorneys’ fees)
arising out of or related to your misuse of the Services, violation of these Terms,
or infringement of any intellectual property or other right of any person or entity.

17. Governing Law & Venue

These Terms are governed by the laws of the State of Florida, United States,
without regard to conflict of law principles, except where consumer protection laws
provide otherwise. Any disputes shall be brought in the appropriate state or federal
courts located in Florida, unless otherwise required by law.

18. Governing Language

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

19. 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.

20. Contact

If you have questions about these Terms, contact us at
contact@tuckr89.com
or via our contact page.

Scroll to Top