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Legal · Terms of Service

Terms of service.

Last updated: May 2026. The short version: this is educational content only, not professional advice, you're an adult making your own decisions, and you can't sue the author if your life choices don't work out. Long version below.

1. Acceptance of terms

By accessing or using howtoearnfuckyoumoney.com ("the Site"), you agree to be bound by these Terms of Service. If you do not agree to these terms, do not use the Site. The Site is operated by Ryder Borden ("the Author"). The Author reserves the right to modify these terms at any time; continued use of the Site after changes constitutes acceptance.

2. Eligibility

You must be at least 18 years of age to use this Site. By using the Site, you represent and warrant that you are at least 18 years old. The content covers topics including personal finance, investing, business operations, sales, and self-development that require adult decision-making capacity. If you are under 18, you are not permitted to use the Site.

3. Educational and informational use only

All content on this Site is provided for general educational and informational purposes only. The Author is not a licensed financial advisor, registered investment advisor, broker-dealer, attorney, certified public accountant, tax professional, medical professional, certified financial planner, or any other licensed professional. Nothing on this Site constitutes — and nothing on this Site should be construed as — financial advice, legal advice, tax advice, medical advice, investment advice, business advice, career advice, or professional advice of any kind, for any specific person, situation, jurisdiction, or purpose.

You must consult appropriate licensed professionals in your jurisdiction before making any decisions regarding investments, taxes, legal matters, medical issues, career changes, or other significant life decisions.

4. No professional relationship

Your use of this Site does not create any advisor-client, attorney-client, financial-advisor-client, or other professional relationship between you and the Author. The Author is not your advisor, mentor, coach, or counselor in any professional capacity.

5. Investment, business, and career risks

All investments, business ventures, career decisions, and life choices involve risk. Past performance does not guarantee future results. The price of stocks, bonds, ETFs, cryptocurrencies, real estate, business ventures, and other investments can go down as well as up. You can lose all of the money you invest. You can lose more than the money you invest if leverage or derivatives are involved.

Examples, case studies, hypothetical returns, and ticker symbols mentioned in this Site are not recommendations or endorsements to buy, sell, or hold any specific security or asset. They are educational examples only.

6. Third-party content and references

This Site references third-party individuals (including public figures, academics, authors, fund managers, business leaders, media personalities, and others), companies, schools, books, and tools. Such references are based on publicly available information and provided for educational discussion only.

No endorsement, partnership, affiliation, or sponsorship is implied between this Site or its Author and any referenced third party. All quotations are paraphrased or commonly reported and should be independently verified by the reader. All trademarks, service marks, product names, and company names referenced belong to their respective owners and are used here for educational identification only.

7. AI-assisted content

Some portions of this Site were produced with the assistance of AI tools. AI-generated content may contain inaccuracies, outdated information, or errors. Readers must independently verify any factual claim, statistic, framework, attribution, or recommendation before relying on it.

8. No warranties

The Site is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, completeness, or availability. The Author makes no representation or warranty that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

9. Limitation of liability

To the maximum extent permitted by applicable law, in no event shall the Author be liable to you or any third party for any direct, indirect, incidental, consequential, special, exemplary, punitive, or any other damages of any kind whatsoever — including but not limited to lost profits, lost investments, lost data, lost business opportunities, loss of goodwill, business interruption, or any other loss — arising from or relating to your use of, reliance on, inability to use, or reference to this Site, any content on it, any decisions you make based on it, or any consequences of such decisions, even if the Author has been advised of the possibility of such damages.

Some jurisdictions do not allow the exclusion of certain warranties or limitations of liability; in such jurisdictions the Author's liability shall be limited to the maximum extent permitted by law.

10. Indemnification / hold harmless

You agree to indemnify, defend, and hold harmless the Author and any agents, contractors, or assigns from and against any and all claims, demands, losses, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

11. Intellectual property

The original content on this Site (text written by the Author, design, layout, code) is owned by the Author and provided for personal educational use. You may print individual pages for your own personal study or share links to specific pages with others. You may not republish, resell, repackage, or commercially redistribute the content of the Site without prior written permission.

References to third-party content, frameworks (such as Porter's Five Forces, BCG Matrix, Blue Ocean Strategy, BATNA, Kotter's 8 Steps, the Innovator's Dilemma, etc.), books, professors, and institutions are made under fair use for educational commentary purposes. All such referenced material remains the intellectual property of its original creators and rights-holders.

12. Acceptable use

You agree not to:

13. Privacy

Your privacy is important. See our Privacy Policy for details on what (minimal) data is collected and how it's handled. The Site collects no personal data on any server — all profile data lives only on your device.

14. Termination

The Author reserves the right to terminate, suspend, or restrict access to the Site at any time, for any reason, without notice or liability. You may stop using the Site at any time.

15. Governing law and disputes

These Terms shall be governed by and construed in accordance with the laws of the Province of Ontario, Canada, without regard to its conflict of laws principles. Any dispute arising out of or in connection with these Terms or your use of the Site shall be subject to the exclusive jurisdiction of the courts of Ontario, Canada.

16. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that the remaining Terms remain in full force and effect.

17. Entire agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between you and the Author regarding your use of the Site.

18. Contact

For questions about these Terms, contact: Ryder Borden, the Author, via the public contact channels referenced on the Site (when established). Currently this is a personal project without formal customer service infrastructure.

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