Terms of Use
Please read this document carefully.
Last updated: February 1, 2025
Thank you for using Real Family Finance!
Whitney & Hannon LLC dba/Real Family Finance (“Real Family Finance”) is a Massachusetts corporation. In these Terms of Use, we will reference ourselves as “Real Family Finance” or “we/us”. This document sets out the terms for use of our Platform. Our platform can be found at https://Real Family Finance.com, and also includes all of the subdomains, mobile applications, any other media, location, application, etc. owned, managed or otherwise operated by Real Family Finance. When referring to the infrastructure in these Terms, we will be collectively referring to them as the “Platform”.
Our Terms of Use (“Terms”) also includes our Privacy Policy, Cookies Policy, and any other documents referred to by those agreements, and they, as a whole, govern any and all of the access to the Real Family Finance platform.
When we refer to “You” or “User”, we mean the entity you represent in accepting these Terms, or, if that does not apply, you individually. If you are accepting on behalf of your employer, your company, or another entity, you represent and warrant that (i) you have full legal authority to bind your employer or such entity to these Terms; (ii) you have read and understand these Terms; and (iii) you agree to these Terms on behalf of the party you represent.
By using our Platform in any manner, You are expressly agreeing to, and give Your consent to be governed by, these Terms. If You do not agree with these Terms or You do not wish to be bound by these Terms, You must not use or access the Platform in any manner.
- The Services Provided by Real Family Finance
1.1. The Real Family Finance Platform and Real Family Finance Services
Real Family Finance provides an open online content platform designed to allow You to learn about personal finance. It is for education purposes only. Real Family Finance offers this content platform along with a number of additional services and tools (e.g. payment gateways, author and affiliate payouts) and the entire selection of tools and services offered via the Platform will be referred to in these Terms as “Real Family Finance Services”.
1.2. Relationship between Real Family Finance and Users
Real Family Finance is a content provider.
Real Family Finance is responsible for interactions for providing the technological means through which we may broadcast and otherwise make our courses, digital downloads, and other content (collectively, “Content”) available and, for processing payments through Real Family Finance’ payment gateway(s).
- Eligibility and Account Terms
2.1 Age of Access
You must be at least 18 years old to use the Platform, or, if You are between the ages of 13 and 18, You must have your parent or guardian’s permission to use the Platform. By using our Platform, You are telling us by your actions that You have obtained that permission (You are ‘representing’ and ‘warranting’ that You have obtained the appropriate permissions to use our Platform). IF YOU ARE UNDER THE AGE OF 13 YOU MAY NOT USE OUR PLATFORM IN ANY MANNER NOR MAY YOU REGISTER FOR AN ACCOUNT.
2.2 OFAC Restrictions
As an express condition of being permitted to access and use the Platform, You represent and warrant that You (i) are not on a list of persons that bars You from receiving services under U.S. laws (including, without limitation, the Denied Persons List and the Entity List issued by the U.S. Department of Commerce, Bureau of Industry and Security) or other applicable jurisdiction and (iii) are not a resident of Cuba, Iran, North Korea, Syria, Venezuela or Crimea.
2.3 User Accounts
To access or use certain features of the Platform, You may be required to register for an account (“Account”). When You register for an account, You agree to provide true, accurate, current and complete information and to keep Your account up to date.
2.4 Admin User Accounts
Depending on the Real Family Finance subscription plan, we may allow one or more persons (“Non-Primary Owner”) to establish an administrative account associated with a Primary Owner’s account. The Primary Owner is responsible for setting the level of access and permissions for Non-Primary Owners.
A Primary Owner is responsible and liable for the acts, omissions and defaults arising from the use of Non-Primary Owner accounts associated with their accounts as if they were the Primary Owner’s own acts, omissions, or default.
2.5 Account Ownership Disputes
In the unlikely event that there is a dispute over the ownership of an account, Real Family Finance has the right to request additional information from You to determine ownership and settle the dispute. The information that We may request to assist in resolving ownership disputes includes, but is not limited to, the following:
- a copy of Your photo ID;
- Your business documents, including a Charter, Certificate of Incorporation, LLC
- Agreement, business license, or other documentation showing ownership of Your entity;
- Your billing information and details;
- Certified copies of your tax forms; and
- Other documentation as we deem necessary to settle the dispute
Should a dispute arise, Real Family Finance reserves the right determine the account ownership in its sole judgment, and the ability to transfer the account to the rightful owner, unless otherwise prohibited by law.
- Code of Conduct
If You violate this Code of Conduct, we reserve the right to remove You and any of Your User Content from the Real Family Finance Platform. Whether conduct violates our Code of Conduct will be determined in Real Family Finance’ sole discretion.
3.1 No Illegal Activity:
Do not use the Real Family Finance Platform for any illegal activity. Period. You are not allowed to use our Platform to engage in any kind of conduct that violates any applicable federal, state, local, or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the US or other countries).
3.2 No Fraud:
Fraud will not be tolerated in any capacity.
3.3 No Bad Conduct:
Do not use the Real Family Finance Platform to transmit, distribute, send, or otherwise expose the Platform or its Users to viruses, worms, or any other code that may be deemed dangerous, harmful, or destructive in any manner.
3.4 No Spamming:
You may not use the Real Family Finance Platform to engage in any activities that will result in sending spam to anyone on the Real Family Finance Platform.
3.5 Be Civil:
When you use the Real Family Finance Platform you are going to be civil and respectful at all times.
3.6 No Exploitation:
You will not use the Real Family Finance Platform to try to gather personal information on anyone outside of the limited permissible uses for offering or accessing User Content.
3.7 No Impersonation:
You will not impersonate anyone on the Real Family Finance Platform.
3.8 No Data Mining or Bots:
You may not use any data mining, robots, or similar data gathering or extraction methods.
3.9 No Use Other Than Intended:
You may not use the Platform or any User Content contained on the Platform for any purposes other than intended.
3.10 No Prohibited Content:
You may not use the Platform if Your User Content contains material that is libelous, slanderous, pornographic, obscene, unlawful, threatening, hateful, violent, predatory, defamatory, or otherwise objectionable, all of which shall be determined in Our sole discretion.
- Intellectual Property and Terms that Apply to Your Data
4.1 What Real Family Finance Owns
All right, title and interest in and to the Platform, including our information, software, technology, data, applications, logos, marks, designs, text, graphics, pictures, audio and video files, other data or copyrightable materials or content, and their selection and arrangement, is referred to herein as “Real Family Finance Content”, and is and will remain the exclusive property of Real Family Finance and its licensors. Real Family Finance Content is protected by intellectual property rights both in the United States and internationally.
Your use of the Platform under these Terms does not give you additional rights in the Platform or ownership of any intellectual property rights associated with the Platform, including, but not limited to, any rights to use Real Family Finance’ trademarks, logos, domain names, and other distinctive brand features. Subject to Your compliance with and the limitations set forth in these Terms, Real Family Finance grants You a limited, revocable, non-exclusive, non-sublicensable, non-transferable license to access and use the Platform and/or Real Family Finance Services to fulfill your personal purposes.
You agree not to do any of the following while accessing or using the Platform and/or Real Family Finance Services:
- license, sublicense, sell, rent, lease, or otherwise permit third parties to use the Platform without Real Family Finance’ express written consent (this license is only for Your use and you may not assign it to anyone else without our permission).
- circumvent or disable any security or other technological features or measures of the Platform.
- copy, modify, create derivative works of, decompile, reverse engineer, disassemble, or otherwise attempt to discover any source code of or any elements of the Platform, or use the Platform to compete with Real Family Finance
- engage in any activity that would interfere with, damage, or harm the Platform and/or Real Family Finance Services.
All rights not expressly granted by Real Family Finance are reserved.
4.2 What You Own
Any data, information or material originated by you that you upload or otherwise transmit through the Platform remains Yours. Real Family Finance does not claim any intellectual property rights over User Content by virtue of Your use of the Platform and/or Real Family Finance Services.
By uploading User Content to the Real Family Finance Platform, You agree that:
- Real Family Finance may review User Content for any reason, including compliance with our Code of Conduct and prohibited content requirements, but Real Family Finance has no obligation to review anything that You upload.
- You are uploading User Content to the Real Family Finance Platform at Your direction and Real Family Finance does not in any way certify or provide approval or permission prior to You uploading User Content.
- Real Family Finance may display User Content to other users via the Real Family Finance Platform for the purpose of providing Real Family Finance Services.
- You agree that by uploading User Content to Our Platform, You are allowing Us to store Your User Content.
- You agree to provide Real Family Finance with all necessary licenses, including a worldwide, non-exclusive, royalty-free, sublicensable and transferable license to use (e.g, to display or transmit) User Content in furtherance of the Real Family Finance Services (In other words, because You own Your Content, You have to give Us permission to display it, or to use it for internal operational purposes, like storing it on Our servers).
- You are responsible for and own, or have the rights to use, all of Your User Content.
4.3 Your Posts
The Real Family Finance Platform may include features that permits You to post, upload or transmit content that is intended to be viewed by other users (“Posts”).
By submitting Posts to the Real Family Finance Platform, you grant Real Family Finance a perpetual, irrevocable, royalty-free, worldwide, non-exclusive right and license, including the right to grant sublicenses to third parties, to use, reproduce, publicly display, publicly perform, prepare derivative works from and distribute Your Posts for any purpose. Real Family Finance may exercise all copyright, publicity and moral rights, in any media, with respect to Your Posts.
4.4 Content Free of Infringement of Any Third-Party Rights
- You agree that Your User Content and/or Posts do not infringe upon anyone else’s intellectual property rights and that You have secured or obtained or received all necessary rights and permissions, as necessary, from any third parties who may own the content.
- In plain language, this means that if You’re using someone else’s work (including videos, text, charts, powerpoints, etc.) in Your User Content or Posts, You’ve gotten the content owner’s permission to use it. If You are going to use something that You didn’t create, make sure You can demonstrate that You have the right to use it before You make it a part of Your User Content.
4.5 Feedback
You may choose or we may invite You to submit suggestions, recommendations, enhancement requests or other feedback about Real Family Finance Services or the Platform (“Feedback”). By submitting any Feedback, You agree that such Feedback is gratuitous, unsolicited, and without restriction, and You grant us a royalty-free, worldwide, transferable, sublicenseable, irrevocable, perpetual license to use or incorporate any Feedback into Real Family Finance Services and/or the Platform. We actively review Feedback for new ideas. If You wish to preserve any interest You might have in your Feedback, You should not post them to the Platform or send them to us.
- Real Family Finance’ General Rights In Operating Its Platform
5.1 Real Family Finance may modify, terminate, or refuse to provide Real Family Finance Services at any time for any reason, without notice.
5.2 Real Family Finance may remove anyone from the Real Family Finance Platform at any time for any reason, solely in Real Family Finance’ discretion. This right is not modified by any other section of these Terms.
5.3 Real Family Finance reserves the right to access Your account, and User Content in order to respond to requests for technical support, to maintain the safety and security of the Real Family Finance Platform, and for other legitimate business purposes, as necessary, in Real Family Finance’ discretion.
5.4 Real Family Finance may, but has no obligation to, monitor any User Content that appears on the Real Family Finance Platform or review any conduct occurring through the Platform.
5.5 Real Family Finance reserves the right to modify, suspend, or alter its refund policy, at its sole discretion.
5.6. If You close Your account Real Family Finance may keep a copy of Your User Content after termination. You grant us a non-exclusive, perpetual, irrevocable license to maintain such archival copy for compliance with any relevant laws and regulations and for our internal business purposes, subject to applicable law.
5.7 Real Family Finance reserves the right to remove You and Your User Content without warning if You violate any of the provisions of these Terms.
5.8 Real Family Finance has, in its sole discretion, an absolute right to modify, change, alter, suspend, or terminate any provision of these Terms without warning at any time.
- Intellectual Property Violations
6.1 Copyright Violations and the DMCA
If Real Family Finance has a good faith belief that any content appearing on its Platform violates any copyrights or has been illegally copyrighted, Real Family Finance reserves the right to remove, block, or otherwise ‘take down’ the content. Real Family Finance also reserves the right to remove from the Platform any users, who are repeat offenders of the Real Family Finance repeat offender policy.
- Reporting Copyright Infringement under the Digital Millennium Copyright Act (17 U.S.C. § 512) (“DMCA”):
a) Real Family Finance provides an online form for submitting copyright infringement notices under the DMCA. If you believe that content on the Real Family Finance Platform is infringing on your copyrights, please complete Real Family Finance’ copyright infringement notice form to forward your notice to Real Family Finance’ designated agent for review.
6.2. Trademark Violations
Real Family Finance reserves the right to remove access to content that it knows, or has reason to know, violates the rights of trademark owners.
- Reporting Trademark Infringement
a) Real Family Finance provides trademark owners an online form for submitting information to enable Real Family Finance to evaluate trademark infringement claims. If you believe that a user of the Real Family Finance Platform is infringing your registered trademark, please complete Real Family Finance’ trademark complaint form to forward your claim to Real Family Finance’ team for review.
7.0 Third Party Offerings
7.1 Through the Real Family Finance Platform, You will have the ability to access content, links to websites, products and services provided by other third parties (“Third Party Offerings”). Your use of any Third Party Offerings provided on this Platform or a third party website is at Your own risk. Real Family Finance does not monitor or have any control over, and makes no claim or representation regarding Third Party Offerings and accepts no responsibility for reviewing changes or updates to, or the quality, content, policies, nature or reliability of, Third Party Offerings. You should review applicable terms and policies, including privacy and data gathering practices, of any third party, and should make whatever investigation You feel necessary or appropriate before proceeding with any transaction with any third party.
8.0 Payments
Real Family Finance uses third party gateways to accept payments such as Stripe ad Paypal..
9.0 Taxes
Laws governing the collection, reporting and remittance of sales and use taxes, value-added taxes and other similar state, local and foreign taxes are complex. This section of the Terms summarizes Real Family Finance’ practices regarding these tax requirements. Please be advised that Real Family Finance’ position on these tax matters is subject to change, without notice, and possibly with retroactive effect.
Depending on the laws of the relevant jurisdictions, purchases and other services that are transmitted to locations inside and outside of the United States may be subject to tax.
Real Family Finance may request additional information from its customers, which will require You to provide certain information, such as Your legal name, tax identification number, address, phone number, e-mail address, and account information for Your bank account, as necessary to fulfill its tax obligations.
10.0 Real Family Finance Subscription Fees
- Real Family Finance Plans are billed on a subscription basis. Users who sign up for a paid Real Family Finance Plan will be billed in advance on either a monthly, quarterly or annual cycle, depending on what Real Family Finance Plan was selected at time of purchase. Payment will be charged to the User’s chosen payment method at confirmation of purchase and at the beginning of each new billing cycle. Real Family Finance Plans will automatically renew at the end of each billing cycle unless You submit a cancellation request to us in writing via email (whitneyandhannon@gmail.com) or directly through Your account prior to the end of the billing cycle. Upon cancellation, your access to the select Real Family Finance Plan will terminate and you will not be charged for the next billing cycle.
- Pricing for the purchase of a Real Family Finance Plan is described on our pricing page. Real Family Finance may change the price of a Real Family Finance Plan from time to time and will communicate any price changes to You in advance and, if applicable, how to accept those changes. Price changes for Real Family Finance Plan subscriptions will take effect at the start of the next subscription period following the date of the price change. If You do not agree with the price Real Family Finance charges, You have the right to reject the change by canceling Your subscription before the price change goes into effect. Please therefore make sure you read any such notification of price changes carefully.
- Depending on the processing method, Real Family Finance may charge transaction fees, which include a per transaction integration fee to use a Custom Payment Gateway. You agree to pay all fees and charges that are made to Your account and that You are solely responsible for payment of these fees and charges.
- Changes to either transaction or implementation fees for transactions may occur during the term of a subscription subject to reasonable notice by Real Family Finance. Real Family Finance may also offer additional services during the term of a subscription, and those services may result in additional fees.
- Should You not authorize payment or are otherwise not current on Your payments for Real Family Finance Services, Real Family Finance may restrict Your Platform access until Your account becomes current and paid in full. Real Family Finance reserves the right to pursue fees owed using collection methods which may include charging other payment methods on file with Real Family Finance and/or retaining collection agencies or legal counsel.
- Real Family Finance reserves the right to offer custom Real Family Finance plans and pricing in addition to what is offered on the pricing page. Custom Real Family Finance plans may also include custom billing and payment terms, including billing periods and renewals, that are different from our standard terms.
11.0 Refund Policy
11.1 Refund Policy for Real Family Finance Plans
- Monthly Plans
Users on monthly paid Real Family Finance subscription plans are entitled to a full no-questions-asked refund within seven (7) days of first signing up for a paid plan, or upgrading to a higher priced plan. Simply let us know in writing that You’re canceling the plan within seven (7) days of Your sign-up. - Annual Plans
Users on annual paid Real Family Finance subscription plans are entitled to a full no-questions-asked refund within seven (7) days of first signing up for an annual plan. Simply let us know in writing that You’re canceling the plan within seven (7) days of Your sign-up. - Abuse of the Refund Policy
Real Family Finance reserves the right to refuse refunds to Users who abuse this Refund Policy. Examples of abuse include, but are not limited to, requesting requesting refunds in consecutive months.
12.0 Cancellation and Deletion
12.1 Cancellation
If You cancel a paid Real Family Finance subscription plan, the cancellation will become effective at the end of the then-current billing cycle.
12.2. Deletion
- You may delete Your account at any time.
- Any account on a free plan may be deleted if it remains inactive (e.g., the user fails to log in) for a continuous period of at least six (6) months. Activity will be determined by Real Family Finance in its sole discretion
- Accounts on paid plans will be considered active accounts unless You explicitly ask us to delete Your account.
- If Your account is deleted (regardless of the reason), Your User Content may no longer be available. Real Family Finance is not responsible for the loss of such content upon deletion.
- Upon deletion of Your account (regardless of the reason), all licenses granted by Real Family Finance will terminate.
- Errors and Corrections
Real Family Finance does not guarantee that the Platform or any services offered through the Platform will be error-free or otherwise reliable, nor does Real Family Finance guarantee that defects will be corrected or that any offerings through the Platform will always be accessible. Real Family Finance may make improvements and/or changes to the Platform and their features and functionality at any time, and will use commercially reasonable efforts to avoid disrupting peak hours, though some downtime may occur.
We reserve the right to amend the Platform, and any service or material we provide on the Platform, in our sole discretion without notice. We will not be liable if for any reason all or any part of the Platform is unavailable at any time or for any period.
- Limitations of Liability
In running the Platform, we require that You understand and agree that Real Family Finance is not liable for a number of things, including Your breach of these Terms and losses that may result from Your use of the Platform. We also require that You understand and agree that the Platform is offered As Is and may not always be 100% perfect or reliable and that Real Family Finance doesn’t warrant or guarantee that it will always be free of errors or defects. Any claims for damages against Real Family Finance will be limited to a portion of the fees You have paid us.
Our limitations of liability are as follows:
- You agree that Real Family Finance, including its employees, officers, directors, and agents, shall not be liable for any kind of loss, injury, claim, or damages resulting from Your use of the Real Family Finance Platform.
- You agree that Real Family Finance shall not be liable for any injuries, losses, claims, or damages that result from Your use or engagement with third party content, downloads, or communications.
- You agree that if you are sending gifts of Real Family Finance products that by indicating a giftee you are solely responsible to obtain their validation before providing us their personal data. Real Family Finance shall not be liable any injuries, losses, claims, or damages that result from your failure to obtain validation.
- Real Family Finance is not liable for any losses or damage caused by any viruses, distributed denial of service attacks, and any and all other malicious computer code. Malicious computer code means computer code or other mechanisms of any kind designed to disrupt, disable or harm in any manner the operation of any software or hardware or other business processes or to misuse, gain unauthorized access to or misappropriate any business or personal information, including worms, bombs, backdoors, clocks, timers, or other disabling device code, or designs or routines that cause software or information to be erased, inoperable, or otherwise incapable of being used, either automatically or with passage of time or upon command. Real Family Finance does not guarantee that any files available for downloading from the Platform will be completely free from viruses or other harmful computer code.
- The Real Family Finance Platform is provided to You on an “As Is, As Available” basis. As such, You agree to have an external method of recovering any lost data that may be uploaded to the Real Family Finance Platform.
- Real Family Finance disclaims any warranties to the Platform and the content contained therein, including warranties for merchantability, fitness for a particular purpose, non-infringement, or title.
- Real Family Finance shall not be liable for any special, direct, indirect, incidental, punitive, or consequential damages, resulting from the use of or inability to use the Platform.
- You agree that Real Family Finance shall not be liable for any losses, injuries, claims, or damages from Your violation or breach of these Terms. You agree to indemnify, defend, and hold harmless Real Family Finance, its present and future officers, directors, employees, agents, licensors, suppliers, and any third party information providers to the Platform from and against all claims, losses, expenses, damages, and costs, including reasonable attorneys’ fees, resulting from any violation of these Terms by You or arising from or related to Your use or misuse of the Platform (including, without limitation, use in contravention of these Terms, other Real Family Finance policies, and copyright and other intellectual property law)
- You are solely responsible for ensuring that Your use of the Platform complies with applicable law and does not violate the rights of any third party, including, without limitation, intellectual property rights. You assume all liability for any claims, suits or grievances filed against You, including, but not limited to, all damages related to Your use of the Platform.
- You may not assign Your rights under these Terms without Real Family Finance’ prior written consent.
- Should Real Family Finance’ limitation of liability not be applicable, Real Family Finance’ sole obligation to You, or any third party, for damages shall not exceed the amounts paid by You to Real Family Finance over the prior month (1) months directly preceding Your claim, unless otherwise required by law.
- You agree that Real Family Finance shall not be liable for any content that appears on the Platform.
- Except as set forth herein, nothing express or implied in these Terms is intended or implied to confer, and nothing herein shall confer, any rights, remedies, liabilities, or obligations whatsoever upon any person or entity.
- You agree that any cause of action or claim that You may have against Real Family Finance must be brought against us within three (3) months after the cause of action or claim arises. Should You not commence such cause of action or claim within this time period, it shall be barred.
15.0 Remedies for Violations
Real Family Finance reserves the right to seek all remedies available at law and in equity for violations of these Terms, including but not limited to the right to block access to the Platform from a particular IP address or other user identifier, or to refer the violation to the appropriate law enforcement authorities.
16.0 Communications
Real Family Finance may notify You of relevant information regarding the Platform and Real Family Finance Services in any of the following ways: (a) by emailing You at the contact information You provide in Your account registration, (b) by posting a notice in dashboard areas of the Platform, and (c) by posting the notice elsewhere on the Platform in an area suitable to the notice. It is Your responsibility to periodically review the Platform for such notices.
17.0 Governing Law and Jurisdiction; Disputes and Arbitration
17.1 These Terms shall be governed in accordance with the laws of the Commonwealth of Massachusetts without regard to its conflicts of laws principles.
17.2 Any dispute, controversy, proceeding, or claim arising out of or in connection with or relating to these Terms, shall be resolved by binding confidential arbitration by JAMS pursuant to its Optional Expedited Arbitration Procedures then in effect for JAMS, except as provided herein.
17.3 The arbitration will be conducted in Suffolk County, Massachusetts, unless You and Real Family Finance agree otherwise. Any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction. Nothing in this section shall be deemed as preventing Real Family Finance from seeking injunctive or other equitable relief from the courts as necessary to prevent the actual or threatened infringement, misappropriation, dilution, or violation of our data security, intellectual property rights, or other proprietary rights.
17.4 You and Real Family Finance agree to waive the right to trial by jury. You further agree that any proceedings to resolve any disputes shall be done solely on an individual basis and that You will not seek to have any dispute heard as a class action, a representative action, a collective action, a private attorney-general action, or in any proceeding in which You act or propose to act in a representative capacity.
17.5 You also agree that no proceeding will be joined, consolidated, or combined with another proceeding without the prior written consent of Real Family Finance and all parties to any such proceeding.
18.0 California Civil Code Section 1789.3
California websites users are entitled to the following specific consumer rights notice: The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 400 R Street, Suite 1080, Sacramento, California, 95814, or by telephone at (916) 445-1254 or (800) 952-5210. Complaints or requests for further information can be sent to the address listed in the Contact Us section of these Terms.
19.0. Privacy
Your use of the Platform is subject to our Privacy Policy.
20.0. Entire Agreement; Severability of Provisions; No Waiver
20.1 These Terms of Use incorporate by reference any notices contained on the Platform, including within the Privacy Policy, and constitute the entire agreement with respect to access to and use of anything offered by Real Family Finance, including the Platform, Real Family Finance Services, and any Real Family Finance Content.
20.2 If any provision of these Terms is deemed unlawful, void, or unenforceable by a court of law exercising proper jurisdiction, that provision shall be deemed severed from the remaining provisions and shall not affect their validity and enforceability.
20.3 No waiver of any provision hereof shall be valid unless in writing signed by the parties. Any failure to enforce any right or remedy hereunder shall not operate as a waiver of the right to enforce such right or remedy in the future or of any other right or remedy.
21.0 Changes to the Terms of Use
Real Family Finance may review and update these Terms at any time in our sole discretion and it is Your responsibility to stay informed of those changes. All changes are effective immediately when posted and apply to all uses of the Platform thereafter. Your continued use of the Platform following the posting of revised Terms of Use means that You accept and agree to be bound by the changes. Please check this webpage periodically for updates.
22.0 Titles/Headings
The headings and titles of sections to these Terms have been inserted for the convenience of reference for the parties and are for informational purposes only and shall not be deemed to be a part of the language of these Terms. Neither You nor Real Family Finance shall rely on, or interpret substantively, the headings when construing the meaning of each section or these Terms as a whole.
23.0 Gender/Plural
Whenever such wording may appear in these Terms, words in the singular shall mean and include the plural and vice versa and words in the feminine shall mean and include the masculine and vice versa.
24.0 Contact Us
If You have questions or concerns regarding these Terms, the Platform, Real Family Finance Services, or User Content, You may contact Us via physical or electronic mail at the address below. Note: the Real Family Finance office is not open to the public:
Real Family Finance
PO Box 1205
Onset MA 02558
Email: whitneyandhannon@gmail.com