Effective date: 2026-09-02
Quit Overspending, The KeptMoney Method, our course, community, website, app, emails, and texts are financial education. They are not financial, investment, legal, tax, or accounting advice. We are not financial advisors, planners, brokers, accountants, attorneys, or a bank, and nothing here creates an advisor-client or fiduciary relationship.
The method teaches a general approach to managing personal spending. It does not account for your complete financial situation. The app’s calculations, categorizations, and weekly numbers are informational estimates based on your past transactions; they are not financial advice and may be inaccurate, so verify them against your own records before acting on them. Before making significant financial decisions, consider consulting a qualified professional who can review your specific circumstances.
We do not guarantee any specific financial outcome, savings amount, or timeline for any individual. Any dollar figures, examples, or timelines we share are illustrations or aggregate observations, not promises. Your results depend on your income, expenses, debts, household, and follow-through, none of which we control.
We will also be honest in the other direction: the method reduces the effort of managing money, but it does not remove effort. You still have to commit, be honest about your spending, and want to underspend. Anyone who promises effortless money results is not telling you the truth, and we won’t either.
Testimonials and member stories on this site reflect individual experiences. They are real, but they are not typical of everyone, and they are not a promise of what you will experience. Nobody is compensated for testimonials unless clearly labeled otherwise.
A quick honest note. Overspending is sometimes a symptom of something The KeptMoney Method was never built to fix, like a gambling problem, an addiction, or depression. There is no shame in that, and there is real help for it. If any of this is you, please reach out: call or text 988 (Suicide and Crisis Lifeline), call the National Problem Gambling Helpline at 1-800-522-4700, or call SAMHSA’s free, confidential line at 1-800-662-4357. You can come back to the method anytime. Take care of you first.
The website, course, and community do not connect to your bank. The Quit Overspending app connects to your bank through Plaid on a read-only basis, to read your transactions and balances; even so, we do not hold your money, move funds, or process transactions on your behalf. Your bank and Plaid are governed by their own terms, not ours. Any other third-party tools you use alongside the method (for example, a transaction-tracking app) are your own choice and governed by their terms. References to books, authors, or outside frameworks are credits to their creators, not endorsements of us by them.
We work to keep our content accurate, but we make no warranty that everything on the site or in the app is complete, current, or error-free. The app’s calculations are estimates drawn from your past transactions and can be affected by miscategorized or late-reported data. We may update content at any time without notice.
The Better Company LLC, DBA Quit Overspending
QO@quitoverspending.com
