Terms of Service

By accessing and using Single Parent Resources ("the Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service. These terms apply to all visitors, users, and others who access or use the Service.

Single Parent Resources provides educational content, tools, calculators, and community features designed to support single parents. Our services include but are not limited to: financial planning tools, parenting resources, community forums, expert advice, and educational content. We reserve the right to modify, suspend, or discontinue any aspect of the Service at any time.

To access certain features, you may need to create an account. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate, current, and complete. You must notify us immediately of any unauthorized use of your account.

You agree not to use the Service to: (a) violate any applicable laws or regulations; (b) transmit any harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, or otherwise objectionable content; (c) impersonate any person or entity; (d) interfere with or disrupt the Service or servers; (e) attempt to gain unauthorized access to any portion of the Service; (f) use the Service for any commercial purpose without our express written consent.

The Service and its original content, features, and functionality are owned by Single Parent Resources and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws. You retain ownership of content you submit, but grant us a license to use, modify, and display such content in connection with the Service. You may not reproduce, distribute, modify, or create derivative works of our content without express written permission.

The information provided through our Service is for educational and informational purposes only and should not be considered professional financial, legal, or medical advice. We make no warranties about the accuracy, completeness, or reliability of any information. The Service is provided "as is" without warranties of any kind. We shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service.

Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your information when you use our Service. By using the Service, you consent to the collection and use of information in accordance with our Privacy Policy. We implement appropriate security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction.

Our community features are designed to provide support and encouragement. Users must treat others with respect and kindness. Harassment, discrimination, spam, or inappropriate content will not be tolerated. We reserve the right to remove content and suspend or terminate accounts that violate these guidelines. Users are encouraged to report inappropriate behavior or content to our moderation team.

Our financial tools and calculators are provided for educational purposes only. Results are estimates based on the information you provide and should not be considered professional financial advice. We do not guarantee the accuracy of calculations or their suitability for your specific situation. Always consult with qualified financial professionals before making important financial decisions.

We may terminate or suspend your account and access to the Service immediately, without prior notice or liability, for any reason, including breach of these Terms. Upon termination, your right to use the Service will cease immediately. You may also delete your account at any time through your account settings. Provisions that by their nature should survive termination shall survive, including ownership provisions and liability limitations.

We reserve the right to modify these terms at any time. We will notify users of any material changes by posting the new Terms of Service on this page and updating the "Last Updated" date. Your continued use of the Service after any such changes constitutes your acceptance of the new Terms of Service. We encourage you to review these terms periodically for any changes.

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law provisions. Any disputes arising from these terms or your use of the Service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. You waive any right to a jury trial or to participate in a class action lawsuit.