Effective date: 2026-07-16
Quit Overspending (“QO,” “we,” “us,” “our”) is a registered assumed name (DBA) of The Better Company LLC, a Tennessee limited liability company based in Spring Hill, Tennessee. These Terms of Service (“Terms”) govern your use of quitoverspending.com (the “Site”), The 5-Minute Money Method guide, course materials, the QO community, and any related products and services (together, the “Services”).
By using the Site, creating an account, or making a purchase, you agree to these Terms and to our Privacy Policy and Disclaimer, which are incorporated by reference. If you do not agree, do not use the Services.
You must be at least 18 years old and able to form a binding contract to use the Services.
United States only. The Services are offered and directed solely to residents of the United States. We do not offer or market the Services in the European Union, the United Kingdom, Canada, or any other country, we do not accept currencies other than US dollars, and purchases require a US billing address. If you access the Site from outside the United States, you do so on your own initiative; the Services are not intended for you, and you are not eligible to purchase.
The Services provide financial education: a method, course materials, tools, and a community for managing personal spending. The Services are not financial, investment, legal, tax, or accounting advice, and we are not a financial advisor, planner, broker, bank, or fiduciary. See our Disclaimer for the full statement. You are solely responsible for your financial decisions.
We never claim effortless or guaranteed results. The method reduces the effort of managing money; it does not remove the need for your own commitment and honesty about your spending. Results vary by person and depend on factors we do not control, including your income, expenses, debts, and follow-through. We do not promise any specific dollar outcome for any individual.
We offer:
All prices are in US dollars and are displayed clearly at checkout before you complete a purchase. We may change prices for future purchases at any time. Changes to the price of an active subscription take effect only after we give you at least 30 days’ notice and only at your next billing cycle.
All sales are final. Because the Services are digital products with immediate access, we do not offer refunds, in whole or in part, on the one-time purchase or on any subscription payment already charged, except where a refund is required by applicable law. Please review the Site, the Disclaimer, and these Terms before purchasing.
Billing errors. If you believe you were charged in error, you must notify us at Billing@quitoverspending.com within 60 days of the charge, with enough detail for us to identify the transaction. We will investigate and respond within 30 days of receiving your notice. To the extent permitted by law, you waive any billing-error claim not raised within the 60-day window.
Chargebacks. Please contact us before disputing a charge with your card issuer; most issues resolve faster that way. If you initiate a chargeback on a charge that was authorized under these Terms, we may suspend your access while the dispute is pending, and we reserve the right to contest the chargeback and to terminate accounts for fraudulent or abusive disputes.
Auto-renewal disclosure. The membership is a recurring monthly subscription. Your payment method will be charged the monthly price disclosed at checkout when you subscribed, plus any applicable tax, automatically each month on your billing date until you cancel. By subscribing, you expressly authorize these recurring charges.
Cancel anytime. You may cancel at any time and cancellation is free. Cancel through your member portal or by emailing Billing@quitoverspending.com with the subject “Cancel.” Cancellation takes effect at the end of your current billing period: you keep access through the period you already paid for, no further charges occur, and no partial or prorated refunds are given for the remainder of the period.
Confirmation. After you subscribe, we will send an email confirming the subscription terms, the amount and frequency of charges, and how to cancel.
Failed payments. If a charge fails, we may retry it and may suspend access until payment succeeds. If payment continues to fail, we may cancel the subscription.
You are responsible for your account credentials and for all activity under your account. Keep your information accurate and your password secure. Notify us promptly of any unauthorized use. We may suspend or terminate accounts that violate these Terms.
The QO community exists to share experience, not to give advice. By participating you agree to these rules:
Your content. You keep ownership of what you post (“User Content”). You grant us a non-exclusive, worldwide, royalty-free license to host, display, and distribute your User Content within the Services for the purpose of operating them. We will not use your User Content in marketing (for example, as a testimonial) without your separate express permission.
Moderation. We may remove content or remove members who violate these rules, at our discretion, without refund (subscription cancellations under Section 6 still apply from the next billing date).
The Services, including The 5-Minute Money Method, course materials, text, graphics, logos, trademarks (including “Quit Overspending” and “Quit Overspending, Keep Living!”), and software, are owned by The Better Company LLC or its licensors and are protected by intellectual property laws. Your purchase grants you a personal, non-transferable, non-exclusive license to access and use the materials for your own personal, non-commercial use. You may not copy, resell, redistribute, publicly post, or create derivative works from the materials, or share your account access, without our written permission. You also may not use the materials to create, market, or teach a competing course, program, or coaching offer. Cancelling a subscription or completing the course does not expand this license: the content remains ours, and the restrictions in this section survive.
If you believe content on the Services infringes your copyright, send a notice to support@quitoverspending.com with: identification of the work, the location of the allegedly infringing material, your contact information, a statement of good-faith belief, and a statement under penalty of perjury that you are authorized to act. We will respond consistent with the DMCA.
The Services rely on third-party providers (for example, our payment processor and messaging platform). Payments are processed by Stripe; we do not store your full card number. Links to third-party sites or tools are provided for convenience; we are not responsible for their content or practices.
Good-faith negotiation first (required). Before filing any claim in arbitration or court, you agree to send a written Notice of Dispute to support@quitoverspending.com that includes your name, the email on your account, a description of the dispute, and the resolution you are seeking. Both parties agree to negotiate in good faith to resolve the dispute for 60 days after the notice is received. Neither party may commence arbitration or a court proceeding before this 60-day period ends. This step is a condition precedent to any claim.
Arbitration. Any dispute not resolved through negotiation will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, rather than in court, except that either party may bring an individual claim in small claims court. The arbitration will be held in Maury County, Tennessee, or conducted remotely by agreement.
Class action waiver. You and we each waive the right to a jury trial and to participate in a class action, class arbitration, or coordinated mass filing. If multiple similar claims are filed against us by represented parties, the parties agree the arbitrator may resolve a small set of bellwether cases first while the remainder are stayed.
Time limit on claims. To the extent permitted by law, any claim arising from the Services must be filed within one year after the claim arose, or it is permanently barred.
Frivolous claims. If an arbitrator or court finds a claim was filed frivolously or in bad faith, the filing party will reimburse the other party’s reasonable fees and costs to the extent permitted by the applicable rules and law.
Opt-out. You may opt out of this arbitration agreement by emailing support@quitoverspending.com within 30 days of first accepting these Terms, with your name and a statement that you opt out of arbitration. Opting out of arbitration does not opt you out of the good-faith negotiation requirement above.
THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING FITNESS FOR A PARTICULAR PURPOSE, MERCHANTABILITY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT ANY PARTICULAR FINANCIAL RESULT WILL BE ACHIEVED.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE BETTER COMPANY LLC AND ITS OWNERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF MONEY, SAVINGS, PROFITS, OR DATA, ARISING FROM OR RELATED TO THE SERVICES. OUR TOTAL LIABILITY FOR ALL CLAIMS WILL NOT EXCEED THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM AROSE.
Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.
You may stop using the Services at any time. We may suspend or terminate your access if you violate these Terms, misuse the community, or infringe our intellectual property. Sections that by their nature should survive termination (including Sections 5, 9, 12, and 13) survive.
We may update these Terms from time to time. If a change is material, we will notify you by email or a notice on the Site at least 14 days before it takes effect. Continued use after the effective date constitutes acceptance. The “Effective date” at the top always reflects the current version.
These Terms are governed by the laws of the State of Tennessee, without regard to conflict-of-law rules, except as preempted by federal law (including the Federal Arbitration Act for Section 12).
The Better Company LLC, DBA Quit Overspending
220 Town Center Pkwy, 140
Spring Hill, TN 37174
General: QO@quitoverspending.com
Billing and cancellations: Billing@quitoverspending.com
Support: support@quitoverspending.com
