Terms & Conditions

Last Updated January 17, 2024

Term
​
The term of this Agreement shall be month-to-month for “Monthly Subscriptions” or shall be year-to-year for “Yearly Subscriptions.” You commit to the entire term that you select during the sign-up process on the Keep More or Less Inc website. Subscriptions will commence on the day you enter into this Agreement by entering valid payment information on the Keep More or Less Inc website or immediately after the expiration of any free trial provided, whichever is later. For Monthly Subscriptions, charges for each one-month term will be billed and assessed in advance monthly on the day of the month in which you initiated your subscription. The subscription will automatically renew from month-to-month until canceled or terminated. For Yearly Subscriptions, charges for each one-year term will be billed and assessed in advance on the day of the year in which you initiated your subscription. The subscription will automatically renew from year-to-year until canceled or terminated.

Cancellation
Any cancellation will be effective as of the last day of the current term in which Keep More or Less Inc is notified of the cancellation. There will be no refund of partial fees for the remainder of any subscription term.

Changes to Terms
We reserve the right to change these terms at any time, and you should check the terms of the website regularly. Any change will become effective thirty days after the change is posted. Your use of the website or the software provided by Keep More or Less Inc constitutes your acceptance of the new terms.

 Training Agreement Terms

Subscription Required
An active subscription to Keep More or Less Inc service is required to purchase any Keep More or Less Inc training program. If you do not have an active subscription at the time of purchase, your purchase of training will include a monthly or yearly subscription that automatically renews according to your choice on the training purchase page. Your subscription will continue to renew beyond the training term until you cancel it in the billing section of the Keep More or Less Inc user portal or request cancellation by emailing [email protected].

Term
The term of this Agreement shall be for the duration of the training program purchased according to the course start and end dates as published on the Keep More or Less Inc website, or in the case of on-demand training, for the duration of your subscription term and all subsequent renewal terms through which you may access the training.

Cancellation
Any cancellation will be effective as of the last day of the current term in which Keep More or Less Inc is notified of the cancellation. There will be no refund of partial fees for the remainder of any training term.

Nonrefundable
Keep More or Less Inc training programs are considered fully delivered at the time of purchase and are not refundable under any circumstances, regardless of your use or non-use and/or any other factor affecting your ability to make use of the training provided.

Changes to Terms
We reserve the right to change these terms at any time, and you should check the terms of the website regularly. Any change will become effective thirty days after the change is posted. Your use of the training content, Keep More or Less Inc website, or the software provided by Keep More or Less Inc constitutes your acceptance of the new terms.

Terms Relating to Use of the Keep More or Less Inc Service & Software

1. Definitions

- Client Software: means any software provided to a subscriber related to the Service.
- Subscriber: means the person or entity who has entered into this Agreement authorizing the use of Keep More or Less Inc. If an individual enters into this Agreement on behalf of a company or other legal entity, the individual represents and warrants that he/she has the authority to bind the entity to this Agreement.
- License: means the right granted by Keep More or Less Inc to install, use, and/or otherwise interact with the Service and/or the Client Software for Subscriber’s personal or internal business purposes.
- Service: means Keep More or Less Inc’s online service and software, including any updates, upgrades, support, and content (for example, audio or visual information or documents) contained or made available to Subscriber by Keep More or Less Inc as part of or in the course of using the Service. Keep More or Less Inc may change the Service or its features at any time and for any reason without notice.

2. Account Registration

- Subscriber agrees to provide Keep More or Less Inc with accurate personal details, including Subscriber’s full name and a valid email address and all other information that Keep More or Less Inc may request from Subscriber from time to time in order to complete the registration process and update Subscriber’s account details. Subscriber represents and warrants that the information provided to Keep More or Less Inc truthfully identifies the Subscriber and his/her/its contact information.
- Subscriber, if an individual, represents that he/she is at least 18 years of age.
- Subscriber will keep his/her/its password and other login details confidential and will not disclose or make it available to any other person. Any use of the Service by any person other than the Subscriber is prohibited and constitutes a breach of this Agreement.

3. Authorized Users

Only the Subscriber is authorized under this License to use the Service, including the Client Software. If the Subscriber is a business entity, only one person authorized by the Subscriber may use the Service. User

Licenses may not be shared or used with any other person and, if purchased by a business, cannot be reassigned to a new user to replace a current authorized user who has terminated employment or otherwise changed job status or function and no longer used the Service.

4. Rights and Limitations on Use.

a. In using the Service or the Software, Subscriber will:

- Comply with all applicable laws, ordinances, or regulations.
- Comply with any codes of conduct or other notices provided by Keep More or Less Inc.
- Keep his/her account information, including his/her password, secret.
- Promptly notify Keep More or Less Inc if he/she learns of a security breach or unauthorized access relating to the service.

b. Subscriber may not:

- Use the Service in any way that harms Keep More or Less Inc, its agents, employees, or independent contractors or any customer of Keep More or Less Inc.
- Engage in, facilitate or further unlawful conduct.
- Damage, disable, overburden or impair the Service or interfere with anyone’s use or enjoyment of the Service.
- Resell, redistribute, rent, lend or grant any sublicense or any other subsidiary use of the Service or the Client Software to any other person.
- Use any unauthorized automated process or service to access and/or use the Service (such as a BOT, a Spider or other automated process).
- Modify, create derivative works from, reverse engineer, decompile, disassemble, or otherwise attempt to discover any trade secret contained in the Service or in any technology or system used by Keep More or Less Inc in connection with providing the Service or attempt to duplicate the Service or the Client Software.
- Build a product or service using similar ideas, features, functions, or graphics of the Service.
- Copy any ideas, features, functions, or graphics of the Service.

5. Ownership

The Service is being licensed to you and not sold. Except for the license granted under this Agreement, Keep More or Less Inc retains all right, title, and interest in and to the Service in whole or in part, including the Software, any content provided as part of the Service, and any copies of the foregoing.

6. Responsibility for Use

You are solely responsible for the use of the Service, including the Software and any content included or provided as part of the Software. You are also solely responsible for your use of any data or other content that is input, stored, transmitted, or otherwise used as part of the Service. You represent and warrant to Keep More or Less Inc that any content or data used or uploaded by you in connection with or as part of the Service will not:
- Infringe upon or otherwise violate any laws or regulations or any intellectual or other property rights or contract rights of any other person.
- Contain any software, viruses, Trojan horses, worms, or other similar harmful or destructive programming routines, computer codes, files, or programs.
- Contain any unlawful, harassing, abusive, harmful, threatening, profane, defamatory, obscene, or otherwise objectionable or offensive content.
- Violate any applicable laws.

7. Storage

You may store data and content on the servers that Keep More or Less Inc uses to provide the Service. You acknowledge and agree, however, that Keep More or Less Inc has no responsibility or liability for any deletion, destruction, corruption, or other loss of any data or content you use or upload as part of the Service.

8. Modifications

Keep More or Less Inc may upgrade, enhance, change, suspend, discontinue, or otherwise modify any of the functions, features, aspects, or components of the Service, its presentation, the manner in which it is delivered, or how it is used or operated in its sole discretion and without notice. Any modifications made available to you will be subject to the terms and conditions of this Agreement. If required by Keep More or Less Inc, you must promptly replace the version of the Software or component you have installed on your computer or other device.

9. Termination

a. Termination by Keep More or Less Inc.
Keep More or Less Inc may terminate this Agreement without cause by providing the Subscriber five days’ written notice of the termination. Keep More or Less Inc may also cancel or suspend Subscriber’s use of the Service or a portion thereof at any time if Subscriber violates the terms of this Agreement, if Keep More or Less Inc believes that Subscriber’s use of the Service represents a direct or indirect threat to its network function (or those of its contractors or suppliers) or anyone else’s use of the Service, or if Keep More or Less Inc is otherwise required by law to do so. Cancellation or suspension of the Service for Subscriber’s violation of the terms of this Agreement will not change Subscriber’s obligation to pay any fee due for the balance of the term in which the termination occurs.

b. Termination by Subscriber.
Subscriber may terminate a subscription at any time during its term directly on the Keep More or Less Inc portal or by emailing [email protected]. A termination will be effective at the end of the term during which Subscriber terminates the subscription. Subscriber must pay for the remaining term up to the termination effective date. No refunds will be given for any remaining term regardless of subscribers use or non-use of the Keep More or Less Inc service.

c. Effects of Termination.
Upon termination of the Service by either party for any reason, Keep More or Less Inc may delete Subscriber’s data permanently from its servers. Subscriber acknowledges that Keep More or Less Inc will have no obligation to continue to hold, export or return Subscriber’s data.

10. Privacy & Access to Account.

a. Privacy.
In order to operate and provide the services, Keep More or Less Inc may need to access your account and the data you have input. You grant Keep More or Less Inc the right to access your account and data for that purpose. Keep More or Less Inc also collects information about its Subscribers and the Subscriber’s database or list of contacts. Keep More or Less Inc uses that information as described in Keep More or Less Inc’s Privacy Policy which is available at [https://keepmoreorless.com/privacy-policy](https://keepmoreorless.com/privacy-policy), the terms of which are incorporated herein by reference.

b. Performance and Usage Data.
In order to provide the Service, Keep More or Less Inc may collect information about the Service performance, Subscriber’s computers or hand-held devices, and its Service use.

c. Communication.
Keep More or Less Inc may need to notify Subscriber occasionally of announcements relating to the operation of the Service. In addition, Subscriber may receive marketing and other information relating to Keep More or Less Inc, its products, or services from time to time.

11. Intellectual Property Rights.

​a. Keep More or Less Inc and other Keep More or Less Inc graphics, logos, page headers, and service names are trademarks, registered trademarks, or service marks of Keep More or Less Inc (the "Keep More or Less Inc Marks"). You agree not to display or use the Keep More or Less Inc Marks in any manner without Keep More or Less Inc's prior permission.

​b. All content provided by Keep More or Less Inc as part of the Service, including text, graphics, logos, images, audio clips, videos, data compilations, and software, is the property of Keep More or Less Inc or its content suppliers and protected by United States and international copyright laws.

​c. You may not modify, publish, transmit, distribute, display, or create derivative works from, or exploit in any way, in whole or in part, any of the content, the Service, or the Software. Except as expressly set forth herein, no license is granted to you for any other purpose, and any other use of the Service or the Software by you shall constitute a material breach of this Agreement.

12. Disclaimers

a. The Service, the Software, and all other materials provided by Keep More or Less Inc are provided "as is" without any warranty, either express or implied, including, but not limited to, the implied warranties of merchantability and fitness for a particular purpose.

b. Keep More or Less Inc makes no representations or warranties regarding the accuracy or completeness of any content available through the Service or the Software. Keep More or Less Inc does not warrant that the Service will be uninterrupted or error-free, that defects will be corrected, or that the Service is free of viruses or other harmful components.

c. Keep More or Less Inc does not warrant or make any representations regarding the use of the Service or the results of the use of the Service or any content available through the Service or the Software in terms of its accuracy, reliability, or otherwise.

d. Keep More or Less Inc does not warrant or make any representations regarding the use of the Service or the results of the use of the Service in terms of its compatibility with hardware or software, that the Service will operate in combination with other software or hardware, or that the Service is fit for a particular purpose.

13. Limitation of Liability

a. To the fullest extent permitted by applicable law, in no event shall Keep More or Less Inc be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from (i) your use or inability to use the Service, (ii) any unauthorized access to or use of our servers and/or any personal information stored therein, (iii) any interruption or cessation of transmission to or from the Service, (iv) any bugs, viruses, trojan horses, or the like, which may be transmitted to or through the Service by any third party, (v) any errors or omissions in any content or for any loss or damage of any kind incurred as a result of your use of any content posted, emailed, transmitted, or otherwise made available via the Service, whether based on warranty, contract, tort, or any other legal theory, and whether or not Keep More or Less Inc is advised of the possibility of such damages, and/or (vi) the disclosure of information pursuant to these terms or our Privacy Policy. In no event shall Keep More or Less Inc's aggregate liability for all claims related to the Service exceed one hundred U.S. dollars (U.S. $100.00).

b. The limitations of this section shall apply to any theory of liability, whether based on warranty, contract, statute, tort (including negligence), or otherwise, and whether or not Keep More or Less Inc has been informed of the possibility of any such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.

14. Governing Law

This Agreement shall be governed by and construed in accordance with the laws of the State of [State], without regard to its conflict of law principles.

15. Dispute Resolution

Any dispute arising out of or relating to this Agreement or the breach thereof shall be finally settled by arbitration administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules, and judgment upon the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof. The place of arbitration shall be Dallas, Texas. The language of the arbitration shall be English.

16. Changes to Agreement

Keep More or Less Inc reserves the right, at its sole discretion, to modify or replace any part of this Agreement. It is your responsibility to check this Agreement periodically for changes. Your continued use of or access to the Service following the posting of any changes to this Agreement constitutes acceptance of those changes.

17. Entire Agreement

This Agreement constitutes the entire agreement between you and Keep More or Less Inc regarding the use of the Service and supersedes all prior agreements and understandings, whether written or oral.

IRS Circular 230 Disclaimer

Please note that any discussion of deductions provided on this website, including but not limited to any emails, web content, attachments, or accompanying materials, are for illustrative purposes only. Such discussions are not indicative of the actual deductions you may receive on your federal or state tax return, but are merely illustrative of how deductions work.

The deductions discussed on this website also do not guarantee a specific tax bracket or return amount. Actual deductions and tax outcomes may vary depending on various factors including but not limited to your individual financial situation, tax laws, and other variables.

Additionally, any products purchased outside of the monthly subscription are subject to a 30-day return window. However, services purchased will not be refunded.

Disclaimer of Warranty and Limitation of Liability

This website is provided "as is," without warranty of any kind, either express or implied, including, but not limited to, any warranty for information, data, services, uninterrupted access, or products provided through or in connection with the site. We specifically disclaim any and all warranties, including but not limited to any warranties concerning the availability, accuracy, usefulness, or content of the site, its information, products, or services, and all warranties of title, warranty of non-infringement, or fitness for a particular purpose.

This disclaimer of liability applies to any damages or injury caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction, or unauthorized access to, alteration of, or use of record, whether for breach of contract, tortious behavior, negligence, or under any other cause of action.


If you have any questions or concerns about these Terms & Conditions, please contact us at [email protected].


​Neither "Keep More Worry Less" nor its employees, agents, successors, assigns, affiliates, website co-branding providers, or content or service providers shall be liable to you or other third parties for any direct, indirect, incidental, special, or consequential damages arising out of the use of the site or its content or the inability to gain access to or use the site or out of any breach of warranty. Because some states do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you. In such states, the respective liability of "Keep More Worry Less," its employees, agents, successors, assigns, affiliates, website co-branding providers, and content or service providers respective liability is limited to the greatest extent permitted by such state law