Terms of Service
Last updated · June 4, 2026
Acceptance of Terms
These Terms of Service (“Terms”) govern your access to and use of Mint & Margin Blog at blog.mintandmarginco.com (the “Site”). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.
About Mint & Margin and the Scope of Our Content
Mint & Margin is a personal-finance education site. Our articles and printables describe general budgeting, saving, debt-payoff, and money-management concepts and share opinions and examples for illustration. All content is provided for general educational and informational purposes only.
Financial Disclaimer — Not Financial Advice
Mint & Margin is not a financial advisor, and nothing on this Site is financial, investment, tax, legal, or accounting advice. We are not a licensed financial planner, broker, accountant, or attorney, and no content here should be treated as a personalized recommendation for your situation.
By using any budget, method, calculation, template, or tip described on this Site, you assume full responsibility for your own financial decisions and their outcomes. Everyone's finances are different — your income, expenses, debts, goals, and local rules all affect what's right for you. Interest rates, fees, program terms, and government figures change over time and vary by provider and location. You are responsible for verifying any rate- or rule-specific detail with the provider or an authoritative source before acting on it.
For decisions with meaningful stakes — investing, taxes, debt settlement, insurance, retirement, or major purchases — we strongly recommend consulting a qualified, licensed professional who can review your full circumstances. Any results, savings, or timelines mentioned on the Site are illustrative examples, not guarantees.
No Guarantee of Results
Personal finance depends on individual circumstances and factors outside anyone's control. We make no promise or guarantee that following any method, budget, or tip on this Site will produce a particular financial result, amount of savings, debt-payoff timeline, or income.
Any figures, examples, or timelines are provided for illustration only and may not reflect your actual experience. Past results are not a predictor of future outcomes. You are solely responsible for your own financial choices, and you agree that Mint & Margin is not liable for any loss or damage arising from your reliance on the content.
Third-Party Products, Links & Affiliates
The Site may mention or link to third-party products, apps, banks, and services, and may include affiliate links or promote our own digital products (such as budget printables sold via Gumroad). Some links may earn us a commission at no extra cost to you. We only share things we genuinely think are useful, but we don't control and aren't responsible for third-party products, terms, pricing, or content. Always review a provider's current terms, fees, and privacy policy before signing up or purchasing, and do your own research before making any financial decision.
Intellectual Property
All original content on the Site, including text, illustrations, the Mint & Margin name, the Mint & Margin logo, the C.R. byline, and the Mint & Margin visual identity, is owned by Mint & Margin or its licensors and is protected by copyright, trademark, and other intellectual property laws.
You may quote short excerpts from our articles for non-commercial purposes with clear attribution and a link to the original post. You may not republish full articles, mirror the Site, or use our content to train machine-learning models without express written permission. Reach out via our contact page for licensing inquiries.
Acceptable Use
When using the Site, you agree not to:
- Use the Site in any way that violates applicable law or regulation.
- Attempt to gain unauthorized access to the Site, our servers, or any system or network connected to the Site.
- Scrape, mirror, frame, or otherwise reproduce the Site without permission, including for the purpose of training automated content systems.
- Use the Site in any manner that could disable, overburden, damage, or impair it.
- Use the Site to transmit malware, harvest user data, or engage in any other malicious activity.
Third-Party Links and Services
The Site may contain links to third-party websites, products, or services that are not owned or controlled by Mint & Margin. We are not responsible for the content, privacy practices, or accuracy of any third-party site. Inclusion of a link does not imply endorsement. Your interactions with any third party are governed by that party's own terms and policies.
Disclaimer of Warranties
The Site and its content are provided on an “as is” and “as available” basis, without warranties of any kind, express or implied. We do not warrant that the Site will be uninterrupted, error-free, secure, or free of viruses or other harmful components, or that the content is accurate, reliable, complete, or current. To the fullest extent permitted by law, we disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
Limitation of Liability
To the fullest extent permitted by applicable law, in no event will Mint & Margin, its owners, contributors, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, goodwill, savings, or property arising out of or related to your use of the Site or any financial or budgeting decision informed by Site content, even if we have been advised of the possibility of such damages. Our total liability for any claim arising from your use of the Site is limited to the amount you paid us to access the Site, which for the avoidance of doubt is zero.
Indemnification
You agree to defend, indemnify, and hold harmless Mint & Margin and its owners, contributors, and affiliates from and against any claims, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of your use of the Site, your violation of these Terms, or your violation of any right of any third party.
Changes to These Terms
We may revise these Terms at any time. Changes are reflected by updating the “last updated” date at the top of this page. Material changes will be announced on the Site. Your continued use of the Site after changes are posted constitutes acceptance of the revised Terms.
Governing Law
These Terms are governed by the laws of the United States and the State of Texas, without regard to conflict-of-laws principles. Any dispute arising out of or related to these Terms or your use of the Site shall be resolved exclusively in the state or federal courts located in Texas, and you consent to the jurisdiction of those courts.
Severability
If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.
Contact
Questions about these Terms? Reach out via our contact page. For privacy questions, see our Privacy Policy.