Terms of Service

Terms of Access and Use

These Terms of Service (“Terms”) apply to all use of Moving Financially Forward Online and constitute a legal contract with each visitor. These Terms may be revised at any time by posting updated Terms on this page.

Last Updated: July 2, 2026

Reference to Privacy Policy

Our Privacy Policy, which is incorporated into these Terms by reference, is available at Privacy Policy. This site serves general audiences in the United States and complies with all applicable privacy legislation, including COPPA at the federal level and state laws such as the CCPA/CPRA, CPA, VCDPA, CTDPA, TDPSA, MODPA (effective October 2025), ICDPA, KCDPA, RIDTPPA, and subsequent state enactments.

Defined Terms

For the purpose of these Terms, the definitions below apply: “Personal Information” and “Personal Data” are used interchangeably and mean data that can be used to identify, relate to, or link to a specific natural person, in accordance with applicable state privacy definitions. “Sensitive Personal Information” includes data pertaining to Social Security numbers, government ID numbers, financial account credentials, geolocation data, racial and ethnic origin, religious beliefs, union membership, medical and health records, biometric data, sexual orientation, immigration status, and private communications. “Sale” and “Sharing” are defined by applicable state privacy statutes and include disclosures for monetary or other valuable consideration and for cross-context behavioral advertising purposes.

No Charge for Content

All content made available by Moving Financially Forward on this website is provided at no cost and is licensed for personal, noncommercial use only. Any commercial exploitation of the content is strictly prohibited and constitutes a material breach of these Terms.

Website Mission and Purpose

The purpose of Moving Financially Forward Online is to offer free content to the public, with operating costs supported through advertising. This site is not designed or intended for commercial use by its visitors.

How We Advertise and Communicate

Revenue from advertising supports this website. Moving Financially Forward Online and its partners may receive compensation for ad views, clicks, or user responses. Material advertising relationships are disclosed.

Email: Submitting your information may result in receiving promotional emails from Moving Financially Forward Online and its advertising partners. To unsubscribe, use the opt-out link in any email; requests will be honored within 10 business days under CAN-SPAM.

SMS: Where you have provided a mobile phone number and consented to SMS, you may receive text communications from Moving Financially Forward Online or its partners. Standard messaging rates apply. Reply STOP to opt out or HELP for assistance. Your provision of SMS consent is not a condition of purchase or site access.

Third-Party Sites and Content

These Terms apply exclusively to Moving Financially Forward Online and are limited to Moving Financially Forward’s operations. Moving Financially Forward does not control and is not responsible for any third-party websites that may be linked or referenced on this website. Users who follow links to third-party sites are subject to those sites’ own terms and policies. Moving Financially Forward encourages users to review the privacy practices and terms of any site before sharing personal information.

Personal Information We Collect and Share

As more fully described in our Privacy Policy (incorporated herein by reference), Moving Financially Forward Online collects personal data from users. This may include names, email and mailing addresses, phone numbers, IP addresses, device data, and behavioral or browsing information. We may share this data with advertising and marketing partners, data brokers, and other third parties for purposes such as targeted advertising, lead generation, and analytics. We do not sell Sensitive Personal Information. Residents of California and other states with relevant privacy legislation have rights including those to know, access, correct, delete, and opt out of sales, sharing, and targeted advertising of their personal data. To submit a privacy request, visit our Privacy Choices page or contact us below. We will respond within legally mandated timeframes.

No Financial Account Data Required

Use of this website does not require you to provide financial account details. If you have concerns that financial account information was improperly collected or disclosed through Moving Financially Forward Online, please contact Moving Financially Forward immediately at the contact information listed below.

Intellectual Property Rights

© 2026 Moving Financially Forward Online. All rights reserved. All intellectual property appearing on this website, including Moving Financially Forward’s trademarks, service marks, and original content, is protected by copyright law and may not be used without prior written consent. Unauthorized use may result in legal remedies being pursued by Moving Financially Forward.

To notify Moving Financially Forward of potential copyright infringement, contact contact@movingfinanciallyforwardonline.com in writing with: (1) identification of the infringed work; (2) the specific URL of the infringing content; (3) your contact information; and (4) a statement of good faith belief that the use is unauthorized.

COPPA Compliance

Children’s privacy is taken seriously on this website. This site is intended for general audiences and does not knowingly collect personal information from children under 13, in accordance with COPPA. Any such information inadvertently collected will be promptly deleted. This site is for users 18 years of age or older. If you are a parent or guardian and believe your child has submitted personal information on this website, please contact us immediately.

Geographical Limitations

This website is intended for use by visitors located in the United States. Users accessing this website from outside the United States do so at their own risk and are responsible for compliance with applicable local laws.

Use Restrictions

This website prohibits the following conduct without limitation: unauthorized commercial data harvesting; e-commerce activities; identity misrepresentation; interference with website security; posting unlawful or harmful material; use of automated bots or scraping tools without written consent; and any action that contravenes CAN-SPAM, TCPA, CCPA/CPRA, FTC standards, or any other applicable law or regulation.

Changes to These Terms and Termination

These Terms may be updated by Moving Financially Forward at any time. Material updates will be indicated by a change to the “Last Updated” date. Continued use of Moving Financially Forward Online following any update is treated as acceptance of the revised Terms. Moving Financially Forward reserves the right to suspend or terminate access for violations of these Terms and to pursue appropriate legal action.

Dispute Resolution and Arbitration

CLAIMS ARISING FROM THESE TERMS OR USE OF THIS WEBSITE MUST FIRST GO THROUGH A 30-DAY GOOD-FAITH INFORMAL RESOLUTION PERIOD. DISPUTES NOT RESOLVED INFORMALLY WILL BE SUBMITTED TO FINAL AND BINDING ARBITRATION BEFORE THE AMERICAN ARBITRATION ASSOCIATION, EXCEPT THAT INJUNCTIVE RELIEF MAY BE SOUGHT FROM ANY COURT WITH APPROPRIATE JURISDICTION.

CLASS ACTION WAIVER: TO THE EXTENT PERMITTED BY LAW, ALL DISPUTES BETWEEN THE PARTIES SHALL BE RESOLVED ON AN INDIVIDUAL BASIS AND NOT THROUGH CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDINGS.

Which Laws Apply

The laws of the State of New Jersey govern these Terms and any disputes arising hereunder, without regard to its principles of conflicts of law. Nothing in these Terms derogates from or limits any rights conferred on users by applicable state or federal privacy laws.

Reaching Us

Contact us with questions about these Terms at contact@movingfinanciallyforwardonline.com. You may also send postal mail to: 8834 E 34 Rd, Suite #221, Cadillac, MI 49601. To submit a CCPA/CPRA or other state privacy rights request by telephone, call: 855-592-0717.