The Centsable Company
Effective Date: October 19, 2026.
Last Updated: October 19, 2026.
1. Acceptance of Terms
Welcome to The Centsable Company (“we,” “our,” or “us”). These Terms of Service govern your access to and use of our website, including its articles, educational resources, contact forms, and other content and features.
By accessing or using this website, you agree to these Terms of Service. If you do not agree with these terms, please discontinue using the website.
2. About The Centsable Company
The Centsable Company works with organizations and individuals to support financial education, leadership development, homeownership awareness, strategic partnerships, and community engagement.
Our website provides information about our mission, services, perspectives, educational resources, and opportunities for collaboration.
Specific services, programs, consulting arrangements, or partnerships may be subject to separate written agreements that establish their respective scope, responsibilities, fees, and other applicable conditions.
3. Permitted Use of the Website
You may use this website for lawful purposes, including learning about our work, accessing publicly available resources, exploring potential partnerships, and contacting us with questions.
When using our website, you agree not to:
- Use the website for unlawful, fraudulent, or misleading purposes.
- Attempt to gain unauthorized access to our systems, accounts, or data.
- Interfere with the security, availability, or normal operation of the website.
- Introduce malicious software, harmful code, or other disruptive material.
- Copy, reproduce, distribute, or commercially exploit website content without permission, except as permitted by law.
- Use automated systems to collect website content in a manner that violates applicable law or these terms.
We reserve the right to restrict or suspend access where reasonably necessary to protect the website, its users, or our legitimate interests.
4. Educational Information and No Professional Advice
The content published on this website, including Centsable Insights articles, financial education materials, homeownership information, leadership perspectives, and community development resources, is provided for general informational and educational purposes only.
It is not intended to replace advice tailored to your individual circumstances from a qualified financial, legal, tax, mortgage, investment, or other professional.
Financial circumstances, lending requirements, eligibility criteria, regulations, and available opportunities vary. You should independently evaluate your circumstances and consult an appropriately qualified professional before making decisions that may affect your finances, homeownership plans, legal obligations, or business operations.
The Centsable Company does not guarantee any particular financial outcome, loan approval, home purchase, investment return, business result, or community impact from using information on this website.
5. No Guarantee of Results
We aim to provide useful information, practical perspectives, and opportunities for meaningful collaboration. However, outcomes depend on many factors, including individual circumstances, organizational decisions, resources, market conditions, and implementation.
Any examples, illustrations, opinions, or descriptions of past initiatives are provided for context and should not be interpreted as a guarantee of future results.
6. Intellectual Property Rights
Unless otherwise indicated, the website’s original content, including written materials, articles, graphics, branding, logos, page layouts, and other creative materials, is owned by or used under license by The Centsable Company and may be protected by applicable intellectual property laws.
You may view, download, or print publicly available materials for personal, educational, or internal organizational use, provided that you do not remove applicable copyright notices or misrepresent the source.
You may not reproduce, modify, publish, distribute, sell, or commercially exploit our content without prior written permission, except where applicable law permits such use.
Requests to reproduce or use our materials for presentations, workshops, publications, or organizational programs may be submitted through our website.
7. User Submissions and Communications
When you submit information through our contact forms or communicate with us, you are responsible for ensuring that the information you provide is accurate to the best of your knowledge and that you have the right to share it.
You agree not to submit unlawful, deceptive, defamatory, infringing, or harmful material.
Submitting an inquiry does not automatically establish a client relationship, partnership, professional advisory relationship, or contractual commitment. Any such relationship will be established separately where appropriate.
Personal information submitted through the website is handled in accordance with our Privacy Policy.
8. Services, Partnerships, and Engagements
Information about our services and partnership opportunities on this website is provided for general informational purposes. It does not constitute a binding offer to provide any particular service.
The scope, timing, fees, deliverables, and responsibilities associated with a specific engagement will be agreed upon separately where applicable.
We reserve the right to modify, discontinue, or update our services, programs, and website descriptions as our business evolves, subject to any applicable contractual obligations.
9. Third-Party Links and Resources
Our website may contain links to third-party websites, platforms, publications, or resources for additional information and convenience.
These third-party services are operated independently. We do not control or guarantee the accuracy, availability, security, or content of external websites, and providing a link does not necessarily constitute an endorsement.
Your use of third-party websites is subject to their own terms, conditions, and privacy policies.
10. Website Availability and Accuracy
We make reasonable efforts to maintain useful, accurate, and accessible website content. However, we do not guarantee that the website will always be available, uninterrupted, error-free, or free from harmful technical components.
Content may be updated, changed, or removed without notice. Information may become outdated, and we do not guarantee that every article, resource, or description reflects the most recent developments.
To the extent permitted by applicable law, the website and its content are provided on an “as is” and “as available” basis.
11. Limitation of Liability
To the maximum extent permitted by applicable law, The Centsable Company and its representatives shall not be liable for indirect, incidental, special, consequential, or punitive damages arising from or related to your access to or use of the website.
This includes, where legally permissible, losses arising from reliance on general website information, temporary website interruptions, technical issues, or third-party content.
Nothing in these terms excludes or limits liability that cannot lawfully be excluded or limited under applicable law. Any additional limitations relating to paid services or specific engagements will be governed by the relevant agreement, where applicable.
12. Indemnification
To the extent permitted by applicable law, you agree to be responsible for claims, losses, liabilities, and reasonable expenses arising from your unlawful use of the website, your violation of these terms, or your infringement of another person’s rights.
This provision does not apply to the extent a claim results from conduct for which you cannot lawfully be held responsible.
13. Privacy
Your use of the website is also subject to our Privacy Policy, which describes how personal information may be collected, used, disclosed, and protected.
Please review our Privacy Policy before submitting personal information through the website.
14. Changes to These Terms
We may revise these Terms of Service from time to time to reflect changes in our website, services, business practices, or applicable legal requirements.
When we make changes, we will update the “Last Updated” date on this page. Changes will take effect as stated in the updated terms, subject to applicable law.
Your continued use of the website after updated terms become effective constitutes acceptance of the revised terms where legally recognized.
15. Governing Law
These Terms of Service are subject to the laws applicable to The Centsable Company’s relevant operations, without regard to conflict-of-law principles, to the extent permitted by law.
Any dispute relating to these terms will be handled by the courts or other forums with appropriate jurisdiction, subject to applicable consumer protection laws and any separate written agreement.
16. Severability
If any provision of these Terms of Service is determined to be unlawful, invalid, or unenforceable, the remaining provisions will remain in effect to the extent permitted by law.
17. Entire Agreement
These Terms of Service govern your general use of the website. They do not replace any separate written agreement governing a specific consulting engagement, partnership, program, or other service.
Where a separate agreement applies, its terms will govern the relevant engagement to the extent of any inconsistency, subject to applicable law.
18. Contact Us
If you have questions about these Terms of Service, please contact us through the Contact Us page on our website.
The Centsable Company
Website: www.thecentsablecompany.com
Email: info@thecentsablecompany.com