Effective Date: December 1st, 2025
Welcome to PookiesRevenge. By accessing or using this website, content, products, or services, you agree to be bound by the following Terms and Conditions. If you do not agree, do not use this website.
1. Nature of Services
PookiesRevenge provides educational content related to financial literacy, credit education, budgeting, and personal finance concepts. We do not provide regulated financial services, credit repair services, or professional advice.
2. No Financial, Legal, or Credit Advice
Nothing on this website constitutes financial advice, legal advice, tax advice, or credit repair services. You should consult licensed professionals before making financial or credit decisions.
3. Eligibility
You must be at least 18 years old to use this website and its services, or have a parent or legal guardian's signatures under applicable law.
4. User Responsibility
You agree that:
- You are solely responsible for your financial decisions
- You will not rely on PookiesRevenge as a substitute for professional advice
- You understand financial outcomes are not guaranteed
5. No Guarantees
We do not guarantee:
- Credit score improvements
- Debt reduction
- Loan approvals
- Financial success or outcomes
All examples are illustrative only.
6. Intellectual Property
All content, materials, text, graphics, videos, and branding are the property of PookiesRevenge and may not be copied, reproduced, or redistributed without written permission.
7. Limitation of Liability
To the fullest extent permitted by law, PookiesRevenge shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this website, it's associated features, tools, resources, or reliance on its content.
8. Indemnification
You agree to indemnify and hold harmless PookiesRevenge from any claims, losses, damages, liabilities, or expenses arising from your use of the website or violation of these Terms.
9. Third-Party Links
This website may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of those websites.
10. Modifications
We reserve the right to update or modify these Terms at any time. Continued use of the website constitutes acceptance of any changes.
11. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the United States and the State of New York, without regard to conflict of law principles.
12. Contact
For questions regarding these Terms, contact:
Email: stevetoggo@gmail.com
