Last updated: August 27, 2026
These Terms of Use govern your access to and use of Starting Over Now, including its articles, downloads, email communications, products, services, tools, and related features. Starting Over Now is an independently owned and operated educational website run by a sole proprietor based in New York, United States.
By accessing or using the website, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the website.
Educational purpose
Starting Over Now provides general educational information about finances, income, careers, artificial intelligence, work, and related starting-over topics. Content is not individualized financial, investment, tax, legal, employment, accounting, medical, mental-health, or other professional advice. Review the General Disclaimer before acting on information from the website.
Eligibility
This website is intended for adults. You must be at least 18 years old to purchase a product or service, create an account where offered, or enter into a binding transaction through the website.
Your responsibilities
You are responsible for evaluating information, checking facts, protecting your accounts and devices, maintaining the confidentiality of login information, and deciding whether any action is appropriate for your circumstances. You agree to provide accurate information when contacting us, subscribing, registering, or purchasing.
Products, services, and transactions
Starting Over Now may offer digital products, subscriptions, memberships, educational programs, templates, services, or other paid or free resources. The description, price, billing terms, renewal terms, delivery method, cancellation rights, and refund rules shown on the applicable sales or checkout page form part of these Terms. Offer-specific terms control if they conflict with general language on this page.
Prices and availability may change. We may correct errors, reject or cancel orders affected by material pricing or availability mistakes, and limit access where fraud, abuse, chargeback misuse, or violation of these Terms is reasonably suspected, subject to applicable law.
Intellectual property
The website and its original text, graphics, branding, frameworks, downloads, course materials, templates, organization, and other content are owned by or licensed to Starting Over Now and are protected by applicable intellectual-property laws. Third-party names, trademarks, and content remain the property of their respective owners.
We grant you a limited, revocable, non-exclusive, non-transferable license to access the website and use purchased or downloaded materials for the personal or expressly stated business use permitted by the applicable offer. You may not reproduce, republish, sell, sublicense, scrape, distribute, upload to shared repositories, train competing systems on protected materials, or create substantially similar commercial products from our content unless written permission or the offer terms allow it.
User submissions
If you submit comments, testimonials, feedback, suggestions, or other content, you retain ownership of your original material. You grant Starting Over Now a worldwide, non-exclusive, royalty-free license to host, reproduce, format, and use the submission as reasonably necessary to operate the service or for the purpose you authorized. We will seek additional permission before publicly using a private contact-form message as a testimonial.
Prohibited use
You may not use the website to violate law; infringe rights; transmit malware; interfere with security or operation; attempt unauthorized access; harvest personal information; impersonate another person; submit deceptive information; automate abusive requests; or use content in a way that exploits, harms, or misleads others.
Artificial intelligence and automated tools
Some content, research, workflows, or services may involve artificial-intelligence tools. AI output can be incomplete, outdated, biased, or inaccurate. You remain responsible for verification, lawful use, privacy, permissions, and human judgment. Do not submit confidential, regulated, or sensitive information to an AI feature unless the feature expressly states how that information is handled and you are authorized to provide it.
Third-party links, tools, and affiliate relationships
The website may link to third-party products, services, platforms, or information. We do not control third parties and are not responsible for their availability, terms, privacy, security, accuracy, or performance. Some links may be affiliate links that generate compensation, as explained in our Affiliate Disclosure.
No warranties
To the fullest extent permitted by law, the website and its content are provided “as is” and “as available.” We do not guarantee that content will be complete, current, error-free, continuously available, secure, or suitable for every person, or that a product, strategy, career move, financial decision, AI workflow, or income method will produce a particular result.
Limitation of liability
To the fullest extent permitted by law, Starting Over Now and its owner will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, revenue, data, opportunities, goodwill, or business interruption arising from or related to use of the website. Nothing in these Terms excludes liability that cannot legally be excluded.
Indemnification
To the extent permitted by law, you agree to defend and indemnify Starting Over Now and its owner against third-party claims, losses, or expenses arising from your unlawful use of the website, violation of these Terms, or infringement of another person’s rights.
Suspension and termination
We may restrict or terminate access when reasonably necessary to protect the website, users, rights, or security; respond to legal requirements; or address a material violation of these Terms.
Governing law and venue
These Terms are governed by the laws of the State of New York, without regard to conflict-of-law principles. Unless applicable law requires otherwise, disputes relating to these Terms or the website will be brought in the state or federal courts serving Suffolk County, New York.
Changes and severability
We may update these Terms as the website and offers change. The “Last updated” date identifies the current version. If a provision is found unenforceable, the remaining provisions will continue to the extent permitted by law.
Contact
Questions about these Terms may be submitted through the Contact page.