Terms & Conditions

01Acceptance of these terms

These Terms & Conditions ("Terms") are a binding agreement between you and Dimeara, a brand of The Nelson M Group LLC ("Dimeara," "we," "us"). They govern your use of dimeara.com and related services, among them email and text-message programs (the "Services"). By using the Services or submitting a form, you agree to these Terms, our Privacy Policy, and, if you opt in to texts, our SMS Terms. Anyone who does not agree to these Terms must stop using the Services.

02What Dimeara is, and is not

Dimeara is an information service. We publish general, plain-language data about everyday money topics such as budgeting, saving, bills, paychecks, and bank statements, and let visitors opt in to related updates. We do not offer loans, credit, bank accounts, or investments, give personal financial advice, or match or refer people to financial companies, and we will not share your details with banks, lenders, credit or investment companies, comparison sites, lead-generation companies, or any other partners.

• Decisions about your money are yours. Reading our content does not obligate you to do anything.
• Your bank, the company you deal with, or a qualified professional you choose, not Dimeara, is responsible for your accounts and any product terms.
• Results vary by person and situation. We do not guarantee that you will save any amount or reach any particular result.

03Eligibility

To use the Services you must be 18 or older, be located in the United States, and have the capacity to enter a binding contract. Send us information only about yourself or about someone who has given you permission to do so.

04Your information and accuracy

Please keep the details you give us correct and current. Enter a mobile number only if you own it or are authorized to use it. If your number changes or is reassigned, please reply STOP from the old number or contact us so that we do not message someone else.

05Communications and text-message consent

If you choose to opt in, you consent to being contacted by email and, if you tick the boxes that apply, by automated text messages as set out in the SMS Terms. Consent to texts is optional, is not a condition of purchase or of using the Services, and may be withdrawn at any time by replying STOP. Message frequency varies. Message and data rates may apply. Reply HELP for help.

06Text messaging: rates, frequency, STOP and HELP

Message and data rates may apply. Message frequency may vary (up to about 8 messages a month, depending on the topics you choose). Text START to join, or opt in with the form on our Get Started or text updates page. Consent is not a condition of purchase or of using the Services.

• STOP: Reply STOP to any message to opt out (STOPALL, UNSUBSCRIBE, CANCEL, END and QUIT also work). You will get one confirmation text and then no more messages.
• HELP: Reply HELP to any message for help, or contact us by email at [email protected] or by phone at 888-924-1505.

Mobile information and opt-in data are not sold or shared with third parties or affiliates for marketing or promotional purposes. See the Privacy Policy and SMS Terms.

07Acceptable use

You must not: (a) enter false or misleading details, or another person's details; (b) use the Services for anything unlawful, fraudulent, or abusive; (c) interfere with the Services or try to gain access you are not allowed; (d) submit forms with bots or other automated tools; (e) copy, scrape, or resell our content without our permission; or (f) pretend to be someone else. We may suspend or end your access if you do any of these.

08Third-party organizations and links

Organizations, programs, and products mentioned on or linked from the Services (for instance government agencies, consumer groups, or banks) belong to third parties. We endorse no product, plan, or provider, and we take no responsibility for the conduct, content, or outcomes of any third party. Your relationship with any bank or financial company is between you and them.

09Intellectual property

The Services, among them the Dimeara name, logo, text, graphics, and design, belong to us or our licensors and are protected by intellectual property law. You receive a limited, revocable, non-exclusive, non-transferable license to view and use the Services for personal, non-commercial purposes. Photographs on the Site are used under their own free-use licenses.

10Disclaimers

The services and content come "as is" and "as available," without express or implied warranties such as merchantability, fitness for a particular purpose, accuracy, and non-infringement. We cannot warrant that the services will be uninterrupted, error-free, or secure, nor that a message will be delivered or delivered on time.

Dimeara does not provide financial, legal, or tax advice, and makes no representation about any savings amount, financial result, or product.

11Limitation of liability

Where the law permits, Dimeara and The Nelson M Group LLC, and their members, managers, officers, employees, and agents, cannot be held liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, data, or goodwill, in connection with your use of (or inability to use) the services or any financial decision you make or do not make. Our total liability on any claim relating to the services shall not exceed one hundred U.S. dollars ($100).

Not every jurisdiction allows these limitations, and some of them may therefore not apply to you. No provision of these Terms limits liability where the law forbids limiting it.

12Indemnification

You agree to hold The Nelson M Group LLC, its affiliates, and its personnel harmless, and to indemnify them, for claims, damages, and expenses (reasonable attorneys' fees included) arising from your violation of these Terms, from misuse of the Services, or from giving a phone number or other information that you were not authorized to offer.

13Disputes, governing law, and arbitration

Informal resolution first. Before filing a claim, please contact us at [email protected] and allow us 30 days to try to resolve it before you file a claim.

Binding arbitration. Except for small-claims matters and claims for injunctive relief for intellectual-property misuse, any dispute between you and Dimeara or The Nelson M Group LLC arising out of or relating to these Terms or the Services will be resolved by final and binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. The arbitration will be conducted in your county of residence or by video or phone, at your choice. The arbitrator may award the same individual relief as a court, and judgment may be entered in any court of competent jurisdiction.

Class-action waiver. Both you and Dimeara agree, as far as the law permits, to pursue claims individually only, never as a plaintiff or member of a class, collective, or representative action.

Opt-out. Within 30 days of first accepting these Terms, you may decline arbitration by emailing [email protected] and include "Arbitration Opt-Out" as the subject, along with your name and mobile number.

Governing law. The laws of the state where The Nelson M Group LLC has its principal place of business, together with the Federal Arbitration Act, govern these Terms, without regard to conflict-of-law rules. Subject to the arbitration clause, the state and federal courts in that state have exclusive jurisdiction.

14Termination

You may stop using the Services at any time, and may opt out of messages by replying STOP. We may suspend or end your access at our discretion, including if you violate these Terms. Any section that by its nature should continue (such as disclaimers, limitation of liability, indemnification, and disputes) will survive termination.

15Changes

These Terms may change from time to time. Any new version will be posted with a new "Last updated" date, and continuing to use the Services after its effective date means you accept it. Where the law requires notice of material revisions, we will give it.

16General

This is the entire agreement between you and us on this subject: these Terms plus the Privacy Policy and SMS Terms. The remainder survives if any part is unenforceable; failing to enforce a provision does not waive it. You need our consent to assign these Terms, while we may assign them in a merger or a sale of the business.

17Contact us

Questions about these Terms? You can reach us by mail, email, phone, our online contact form, or by replying HELP to any text: