Terms of Service

Last Updated: January 2026

1. Agreement to Terms

These Terms of Service (“Terms”) constitute a legally binding agreement between you (“User,” “you,” or “your”) and The McCullough Group, doing business as Budget Bae (“Company,” “we,” “us,” or “our”), governing your access to and use of budgetwithbae.com, including all content, services, digital products, programs, client portals, and related offerings (collectively, the “Site”).

By accessing, purchasing from, or using the Site, you acknowledge that you have read, understood, and agreed to be bound by these Terms. If you do not agree, you must discontinue use of the Site.

2. Eligibility

You must be at least 18 years of age to use the Site or purchase any products or services. By using the Site, you represent that you meet this requirement and have the legal capacity to enter into this agreement.

3. Scope of Services

Budget Bae provides educational content, digital products, coaching programs, financial literacy resources, and administrative support services. Services may include, but are not limited to:

  • Digital downloads and educational materials
  • Membership communities and classes
  • Intake processing and document preparation
  • Financial literacy and budgeting education

No legal, tax, or financial advice is provided. All information is educational in nature and should not be relied upon as professional advice.

4. No Guarantees or Results Disclaimer

You acknowledge and agree that:

  • Results vary by individual
  • No specific outcomes, timelines, or financial results are guaranteed
  • Past performance or testimonials do not guarantee future results

Any examples provided are illustrative only.

5. User Responsibilities

You agree to:

  • Provide accurate, complete, and current information
  • Maintain the confidentiality of login credentials
  • Use the Site for lawful purposes only
  • Not misuse, duplicate, resell, or exploit content without written permission

You are solely responsible for actions taken under your account.

6. Payments and Billing

All prices are listed in U.S. dollars unless otherwise stated.

By making a purchase, you authorize us and our payment processors to charge the provided payment method. You agree to:

  • Provide valid payment information
  • Pay all applicable fees and taxes
  • Abide by subscription or installment terms if applicable

Failed or declined payments may result in service suspension or termination.

7. Refund Policy

Due to the digital and service-based nature of our offerings:

  • All sales are final
  • No refunds, chargebacks, or cancellations are provided unless explicitly stated in writing

By purchasing, you waive any chargeback rights inconsistent with these Terms.

8. Intellectual Property

All content on the Site—including text, graphics, logos, videos, downloads, and branding—is the exclusive property of The McCullough Group d/b/a Budget Bae and is protected by intellectual property laws.

You are granted a limited, non-transferable, revocable license to access content for personal use only.

9. Prohibited Conduct

You agree not to:

  • Violate any laws or regulations
  • Attempt to gain unauthorized access to systems
  • Share, reproduce, or distribute proprietary materials
  • Harass, abuse, or interfere with other users
  • Upload malicious code or harmful content

Violations may result in immediate termination.

10. Third-Party Platforms and Links

The Site may integrate or link to third-party platforms (e.g., payment processors, client portals, community platforms). We are not responsible for third-party content, services, or policies.

Your use of third-party platforms is governed by their respective terms.

11. Termination

We reserve the right to suspend or terminate your access to the Site, without notice, for violations of these Terms or for any reason deemed necessary to protect our business or users.

12. Limitation of Liability

To the maximum extent permitted by law, The McCullough Group d/b/a Budget Bae shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of the Site or services.

Our total liability shall not exceed the amount paid by you to the Company in the preceding 12 months.

13. Indemnification

You agree to indemnify and hold harmless The McCullough Group d/b/a Budget Bae from any claims, damages, liabilities, costs, or expenses arising from:

  • Your use of the Site
  • Your violation of these Terms
  • Your misuse of content or services

14. Governing Law

These Terms are governed by and construed in accordance with the laws of the United States and the state in which The McCullough Group is registered, without regard to conflict-of-law principles.

15. Dispute Resolution

Any disputes arising under these Terms shall be resolved through binding arbitration or small claims court, at the Company’s discretion, unless otherwise prohibited by law.

16. Modifications to Terms

We reserve the right to update these Terms at any time. Changes become effective upon posting to the Site. Continued use constitutes acceptance.

17. Severability

If any provision of these Terms is deemed unenforceable, the remaining provisions shall remain in full force and effect.

18. Contact Information

For questions regarding these Terms, contact:

The McCullough Group
Doing Business As: Budget Bae
Website: https://budgetwithbae.com
Email: admin@budgetwithbae.com