Last updated: November 12, 2025

These Terms of Service (“Terms”) govern your access and use of Earn Sum & Joy LLC dba The Financial Evolution (“we,” “us,” “our”) website, products, and services.

By using our site or purchasing any of our products, you agree to these Terms.

1. Use of Our Services
You agree to use our website and services only for lawful purposes and in accordance with these Terms.
You are responsible for ensuring that your use complies with all applicable laws.

2. Accounts and Access
To access certain features, you may be required to provide personal information.
You agree to provide accurate information and maintain the security of your account credentials.

3. Payments and Subscriptions
All payments are processed securely through Stripe.
By submitting payment information, you authorize us and Stripe to charge your selected payment method.
All sales are final unless otherwise stated in writing.

4. Intellectual Property
All content, branding, and software on this site are the property of Earn Sum & Joy LLC dba The Financial Evolution.
You may not copy, modify, or distribute our materials without written consent.

5. Limitation of Liability
Our services are provided “as is.”
We make no warranties, express or implied, and are not liable for indirect or consequential damages resulting from your use of our site or services.

6. Termination
We may suspend or terminate your access at any time for conduct that violates these Terms or harms other users.

7. Changes to These Terms
We may update these Terms from time to time. The latest version will always be available on our site, and continued use after changes means you accept the updated Terms.

8. Governing Law
These Terms are governed by the laws of the State of Texas, without regard to conflict of law principles.

9. Contact Us
If you have any questions about these Terms, please contact us at:
Earn Sum & Joy LLC dba The Financial Evolution
Email: support@financialev.com