Terms of service
Terms of Service
Steady Nickel · steadynickel.com Last updated: May 2026
Welcome to Steady Nickel. By using this website or purchasing any of our products, you agree to the following terms. We've written these in plain language because that's how we do everything, but they're still legally binding, so please read them.
What We Sell
Steady Nickel sells digital products, PDF guides, templates, checklists, trackers, and toolkits related to personal finance and investing education. All products are delivered electronically as downloadable files. Nothing physical is shipped.
Important Financial Disclaimer
Steady Nickel is not a financial advisor, registered investment advisor, broker-dealer, or tax professional. Everything we create, every guide, template, email, social media post, and page on this website, is educational content, not personalized financial advice.
Our products teach general investing concepts, strategies, and systems. They do not account for your specific financial situation, goals, risk tolerance, tax circumstances, or legal obligations. What works for one person may not work for another.
We do not promise or guarantee any specific investment returns. Investing involves risk, including the possible loss of principal. Past performance of any investment, strategy, or index does not guarantee future results.
Before making investment decisions, we encourage you to consult a qualified, fee-only fiduciary financial advisor, especially if your situation involves significant debt, complex tax circumstances, dependents, or amounts you cannot afford to lose.
Your Purchase
When you buy a Steady Nickel product, you receive a one-time, non-exclusive, non-transferable license for personal use. Here's what that means in plain terms:
You can:
- Download and keep the file forever
- Print copies for your own personal use
- Use the worksheets, templates, and trackers for your own finances
- Share what you learned with friends and family (in your own words)
You cannot:
- Resell, redistribute, or give away the file itself
- Upload the file to any website, file-sharing service, or public drive
- Use the content in your own products, courses, or commercial materials
- Claim the content as your own work
- Reproduce substantial portions of the text in any format
If you're interested in a commercial license or want to use our materials in a classroom, workshop, or professional setting, email us at hello@steadynickel.com and we'll work something out.
Refund Policy
We offer a 14-day money-back guarantee on all products. Any reason or no reason. You keep the file. Full details are on our Refund Policy page.
Account Information and Privacy
We collect only what we need to process your order and deliver your products, your name, email address, and payment information. We use Shopify to process transactions and to manage our email list.
We will never sell, rent, or share your personal information with third parties for marketing purposes. If you sign up for our email list, you can unsubscribe at any time with one click.
For full details on how your data is handled, see our Privacy Policy.
Email Communications
If you sign up for our free guide or make a purchase, you may receive emails from us, things like download links, product recommendations, and educational content. Every email includes an unsubscribe link. We honor opt-outs promptly and comply with CAN-SPAM requirements.
We cap our email frequency at no more than three emails per week. We don't spam, and we don't sell your email address.
Intellectual Property
All content on this website and in our products, including text, graphics, logos, templates, page designs, and the Steady Nickel brand is owned by Steady Nickel and protected by copyright. You're welcome to quote short excerpts for personal blog posts or social media (with attribution), but you may not reproduce, duplicate, or exploit our materials for commercial purposes without written permission.
Accuracy and Updates
We work hard to keep our guides accurate and current. Every product carries an "Updated [Month Year]" stamp, and we update our materials when contribution limits, fee structures, tax rules, or platform features change.
That said, financial regulations, brokerage features, and tax laws change frequently. We cannot guarantee that every detail in every guide is accurate at the exact moment you read it. When in doubt, verify current figures with the relevant institution (IRS, your brokerage, etc.) or consult a professional.
Third-Party Mentions
We sometimes mention brokerages, platforms, apps, and financial products (like Fidelity, Vanguard, or Schwab) in our guides. These mentions are based on our own assessment of what serves beginners well. We do not receive compensation, affiliate commissions, or referral fees from any company we mention. Ever.
Limitation of Liability
Steady Nickel provides educational content. We are not liable for any financial losses, investment outcomes, tax consequences, or other damages that result from using our products or following concepts discussed in our materials. You are solely responsible for your own financial decisions.
Our total liability for any claim related to a product purchase is limited to the amount you paid for that product.
Changes to These Terms
We may update these terms from time to time. When we do, we'll update the "Last updated" date at the top of this page. Continued use of the site or products after changes are posted means you accept the updated terms.
Governing Law
These terms are governed by the laws of the State of Ohio, United States. Any disputes will be resolved in the courts of the State of Ohio.
Questions?
If anything here is unclear, email us at hello@steadynickel.com. We're happy to clarify.
Steady Nickel · Build wealth one nickel at a time.