Last Updated: May 1, 2026
These Terms of Service (“Terms”) constitute a legally binding agreement between you and All Dollars and Sense LLC, doing business as Dollars and Sense (“Company,” “we,” “us,” or “our”), governing your access to and use of the website located at http://alldollarsandsense.com (the “Site”), together with any related products, services, and digital tools (collectively, the “Services”).
By accessing or using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree with these Terms, you must discontinue use of the Services immediately.
You must be at least 18 years of age to use our Services. By using the Services, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms.
Dollars and Sense is a web-based personal budgeting platform that helps individuals manage their income, expenses, savings, and debt. Users access our tools through their web browser. We also offer financial education resources and digital courses.
Our Services are designed for personal use only. While the tools may be used in a business context at the user’s discretion, they are not designed, marketed, or intended as business financial management software.
Our Services do not constitute financial advice. Dollars and Sense provides self-guided budgeting tools and educational content. We are not financial advisors, tax professionals, or licensed financial planners. Any decisions you make based on information provided through our Services are made at your own risk. You should consult with a qualified financial professional before making any financial decisions.
Dollars and Sense is designed so that personal financial data entered by users — such as income, expenses, savings, and debt information — is stored locally on the user’s device using the web browser’s built-in storage. As of the date of these Terms, this data is not transmitted to, collected by, or stored on servers operated by Dollars and Sense.
Users are solely responsible for maintaining and backing up their locally stored data. Dollars and Sense is not responsible for data loss resulting from browser data clearing, device changes, browser updates, or any other event that affects locally stored data.
Should the manner in which financial data is stored or processed change in the future, these Terms will be updated accordingly and users will be notified prior to any such change taking effect.
We offer digital products for purchase through our Site. All payments are processed through Stripe, a third-party payment processor. By making a purchase, you agree to Stripe’s terms of service and privacy policy, available at https://stripe.com/privacy.
You agree to provide current, complete, and accurate purchase and account information for all purchases made through our Services. All payment data is handled and stored by Stripe. We do not store your payment card information on our servers.
All sales of digital products are final. Due to the nature of digital goods, we do not offer refunds, returns, or exchanges. If you experience a technical issue preventing access to a purchased product, please contact us at hello@alldollarsandsense.com and we will work to resolve the issue.
Prices for our products are subject to change without notice. We reserve the right to modify or discontinue any product at any time without liability to you.
You may not access or use the Services for any purpose other than that for which we make them available. The following activities are expressly prohibited:
Unless otherwise indicated, the Services, including all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics (collectively, the “Content”), and the trademarks, service marks, and logos contained therein (the “Marks”), are owned or controlled by us or licensed to us, and are protected by copyright and trademark laws and other intellectual property rights.
The Content and Marks are provided on the Services “AS IS” for your personal, non-commercial use only. Except as expressly provided in these Terms, no part of the Services and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission.
The Services may contain links to third-party websites and services, including but not limited to Stripe (payment processing), MailerLite (email communications), and external informational resources. These third-party links are provided for your convenience only.
We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. We do not warrant the offerings of any of these entities or their websites. Your use of third-party websites is at your own risk, and you should review the applicable terms and policies of any third-party website before engaging in any transaction or providing any information.
We care about data privacy and security. Please review our Privacy Policy, which governs your use of the Services and describes our practices regarding the collection, use, and disclosure of your personal information. By using the Services, you agree to be bound by our Privacy Policy, which is incorporated into these Terms.
These Terms shall remain in full force and effect while you use the Services. We reserve the right, in our sole discretion, to deny access to the Services to any person for any reason, including without limitation for breach of any representation, warranty, or covenant contained in these Terms, or of any applicable law or regulation.
If we terminate or suspend your access to the Services for any reason, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party. In addition to terminating or suspending your access, we reserve the right to take appropriate legal action.
We reserve the right to change, modify, or remove the contents of the Services at any time or for any reason at our sole discretion without notice. We are not obligated to update any information on our Services. We also reserve the right to modify or discontinue all or part of the Services without notice at any time.
We will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Services. We cannot guarantee the Services will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Services, resulting in interruptions, delays, or errors.
These Terms shall be governed by and construed in accordance with the laws of the State of South Carolina, without regard to its conflict of law principles. Any legal action or proceeding arising under these Terms will be brought exclusively in the courts located in South Carolina, and the parties hereby consent to personal jurisdiction and venue therein.
Informal Negotiations
To expedite resolution and control the cost of any dispute, controversy, or claim related to these Terms (each a “Dispute” and collectively, the “Disputes”), the parties agree to first attempt to negotiate any Dispute informally for at least thirty (30) days before initiating arbitration. Such informal negotiations commence upon written notice from one party to the other party.
Binding Arbitration
If the parties are unable to resolve a Dispute through informal negotiations, the Dispute shall be finally and exclusively resolved by binding arbitration. The arbitration shall be held in South Carolina. The arbitrator’s decision shall be final and binding on both parties. If the arbitration fees are deemed excessive, the Company will pay the arbitration fees.
Restrictions
The parties agree that any arbitration shall be limited to the Dispute between the parties individually. To the full extent permitted by law: (a) no arbitration shall be joined with any other proceeding; (b) there is no right or authority for any Dispute to be arbitrated on a class-action basis or to utilize class action procedures; and (c) there is no right or authority for any Dispute to be brought in a purported representative capacity on behalf of the general public or any other persons.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE COMPANY, ITS AFFILIATES, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO YOUR USE OF, OR INABILITY TO USE, THE SERVICES.
IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICES EXCEED THE AMOUNT PAID BY YOU TO US DURING THE TWELVE (12) MONTH PERIOD PRIOR TO THE EVENT GIVING RISE TO THE CLAIM.
THE SERVICES ARE PROVIDED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. YOU AGREE THAT YOUR USE OF THE SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SERVICES AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE SERVICES’ CONTENT OR THE CONTENT OF ANY WEBSITES LINKED TO THE SERVICES AND WE WILL ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (1) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT AND MATERIALS, (2) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE SERVICES, (3) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION STORED THEREIN, (4) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SERVICES, (5) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE SERVICES BY ANY THIRD PARTY, AND/OR (6) ANY ERRORS OR OMISSIONS IN ANY CONTENT AND MATERIALS OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE SERVICES.
ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES MUST BE COMMENCED WITHIN THREE (3) YEARS AFTER THE CAUSE OF ACTION ACCRUES. OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED. THIS LIMITATION IS CONSISTENT WITH THE STATUTE OF LIMITATIONS PRESCRIBED BY THE STATE OF SOUTH CAROLINA FOR CONTRACT CLAIMS.
You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys’ fees and expenses, made by any third party due to or arising out of: (1) your use of the Services; (2) breach of these Terms; (3) any breach of your representations and warranties set forth in these Terms; or (4) your violation of the rights of a third party, including but not limited to intellectual property rights.
Visiting the Services, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email and on the Services, satisfy any legal requirement that such communication be in writing.
YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER RECORDS, AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED BY US OR VIA THE SERVICES.
These Terms and any policies or operating rules posted by us on the Services constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Terms shall not operate as a waiver of such right or provision.
These Terms operate to the fullest extent permissible by law. We may assign any or all of our rights and obligations to others at any time. We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control.
If any provision or part of a provision of these Terms is determined to be unlawful, void, or unenforceable, that provision or part of the provision is deemed severable from these Terms and does not affect the validity and enforceability of any remaining provisions.
There is no joint venture, partnership, employment, or agency relationship created between you and us as a result of these Terms or use of the Services.
We may update these Terms from time to time. The updated version will be indicated by an updated “Last Updated” date at the top of these Terms. If we make material changes to these Terms, we may notify you either by prominently posting a notice of such changes or by directly sending you a notification via email. We encourage you to review these Terms frequently to stay informed of updates.
Your continued use of the Services after the posting of revised Terms means that you accept and agree to the changes.
If you have questions or comments about these Terms, you may email us at hello@alldollarsandsense.com or contact us by post at:
All Dollars and Sense LLC
6650 Rivers Ave Ste 105
PMB 417199
North Charleston, SC 29406-4829
United States