Terms of Service

Optional Mondays exists to provide educational information, practical tools, and thoughtful resources that help people improve their financial confidence and build more freedom in their lives.

Our content is educational in nature. We do not provide financial, legal, tax, accounting, or investment advice.

You must be at least 18 years old or have permission from a parent or guardian to use our Services.

By using this website, you represent that you have the legal authority to enter into these Terms.

Everything on Optional Mondays is intended for informational and educational purposes. This includes articles, videos, newsletters, calculators, planning worksheets, templates, guides, downloadable resources, AI-generated recommendations, and financial examples.

Nothing on this website constitutes financial, investment, legal, tax, accounting, or insurance advice. You remain solely responsible for your own financial decisions. Always consult appropriate licensed professionals regarding your specific situation.

Using this website does not create a financial advisor, attorney-client, accountant-client, or fiduciary relationship. We are simply providing educational content.

Our calculators are designed to help estimate financial scenarios, including debt payoff, retirement, investment growth, compound interest, mortgage, net worth, budgeting, and income planning.

Results are estimates only. Actual outcomes may differ because of market conditions, changing interest rates, taxes, fees, inflation, personal circumstances, or inaccurate user input. We do not guarantee calculator accuracy or future financial outcomes.

Some portions of Optional Mondays may utilize artificial intelligence to assist with creating educational content, calculators, summaries, or planning tools.

Although we review AI-assisted content whenever practical, AI systems can make mistakes. You should independently verify any important financial information before acting upon it.

Some Services may require an account. You agree to provide accurate information, maintain the security of your password, and notify us if you believe your account has been compromised. You are responsible for all activity occurring under your account.

We sell digital products including, but not limited to, planners, spreadsheets, templates, calculators, workbooks, guides, and downloadable resources.

Unless otherwise stated, purchases are for your personal use. Products may not be resold, redistributed, or shared publicly. Purchasing a product does not transfer ownership of our intellectual property.

If Optional Mondays offers memberships, your membership may include access to premium articles, calculators, downloads, or other exclusive content. Membership benefits may evolve over time as we improve the platform. We reserve the right to add, remove, or modify features.

Payments are processed through trusted third-party providers. We do not store complete payment card information. Prices may change at any time. Price changes will not affect purchases already completed.

Because most products are delivered digitally, all sales are generally final. If you experience technical issues preventing access to a purchase, please contact us. Refunds may be provided at our discretion.

Subscriptions may be canceled at any time, but previously paid fees are generally non-refundable unless required by law.

If you subscribe to our newsletter, you consent to receive emails from Optional Mondays. You may unsubscribe at any time using the link included in every email. We will never intentionally sell your email address.

Some pages may contain affiliate links. If you purchase through those links, we may earn a commission at no additional cost to you. Affiliate relationships do not influence our commitment to providing honest educational content.

Occasionally we may publish sponsored content. Sponsored material will be clearly identified whenever required. Our opinions remain our own.

If you submit comments, testimonials, feedback, suggestions, or reviews, you grant Optional Mondays a non-exclusive, worldwide, royalty-free license to display, reproduce, and use that content in connection with operating and promoting the Services. You retain ownership of your content.

You agree not to violate any laws, interfere with website operations, attempt unauthorized access, upload malicious software, scrape the website excessively, misuse calculators, impersonate another person, or copy or redistribute premium content.

Unless otherwise noted, all content is owned by Optional Mondays. This includes articles, branding, logos, calculators, spreadsheets, templates, graphics, videos, downloads, software, and designs.

You may not copy, reproduce, distribute, sell, or create derivative works without written permission.

If you believe copyrighted material appears on Optional Mondays without authorization, please contact us with your contact information, identification of the copyrighted work, the URL, and proof of ownership. We will investigate promptly.

We may link to third-party services including financial institutions, affiliate partners, payment processors, software providers, and social media platforms. We are not responsible for third-party websites or services. Your interactions with those services are governed by their own terms and privacy policies.

The Services are provided "as is" and "as available." We make no warranties regarding accuracy, reliability, availability, completeness, or fitness for a particular purpose. We do not guarantee uninterrupted access.

To the fullest extent permitted by law, Optional Mondays and its owners, employees, affiliates, and contributors shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Services. Our total liability shall not exceed the amount you paid to us during the previous twelve months.

You agree to indemnify and hold harmless Optional Mondays from claims arising out of your misuse of the Services, violation of these Terms, or infringement of another person’s rights.

Your use of the Services is also governed by our Privacy Policy. Please review it carefully.

We may update these Terms periodically. The updated version will appear on this page with a revised Effective Date. Continued use of the Services constitutes acceptance of the revised Terms.

These Terms shall be governed by the laws of the State of Utah, without regard to conflict of law principles.

If any provision of these Terms is determined to be unenforceable, the remaining provisions will remain in full force and effect.

These Terms constitute the entire agreement between you and Optional Mondays regarding your use of the Services.

If you have questions about these Terms, please contact Optional Mondays at hello@optionalmondays.com or visit https://optionalmondays.com.

Thank you for being part of the Optional Mondays community. Our goal is simple: to help you build more financial clarity today so you have more freedom tomorrow.