TERMS AND CONDITIONS
Effective Date: November 10, 2025
This TERMS AND CONDITIONS/ AGREEMENT (herein “Agreement” or “Terms”) is entered into between The Dream Map, a business entity lawfully organized and existing under the laws of the State of Washington (“Company,” “we,” “us,” or “our”), and any person or entity accessing, purchasing from, or using this website (“you,” “your,” or “Customer”).
By accessing the website (the “Site”) or purchasing any digital product (collectively, the “Products”), you agree to be bound by these Terms and Conditions. If you do not agree, you must immediately discontinue use of the Site and refrain from making any purchases.
1. ACCEPTANCE OF TERMS
1.1 Binding Agreement
Your access to and use of the website (“Site”), as well as the purchase, download, or use of any digital product (“Product” or “Products”), constitutes your full and unconditional acceptance of, and agreement to be legally bound by, this Terms and Conditions Agreement (“Agreement”).
1.2 Eligibility and Legal Capacity
By using the Site or purchasing any Product, you represent and warrant that you:
a) Are at least eighteen (18) years of age, or the legal age of majority in your jurisdiction;
b) Have full legal capacity and authority to enter into binding contracts; and
c) Are using the Site and Products in compliance with all applicable federal, state, and local laws and regulations.
1.3 Amendments and Modifications
The Company reserves the right to amend, modify, or supplement these Terms at any time, in its sole discretion, with or without notice. Any such modification shall become effective upon posting on the Site. Continued use of the Site or Products after such posting constitutes your acceptance of the revised Terms. No oral or written statement by any employee, agent, or representative shall modify or waive these Terms unless expressly agreed in writing by the Company.
2. PRODUCTS AND SCOPE OF USE
2.1 Nature of Products
The Company provides downloadable digital materials, including but not limited to budgeting spreadsheets, financial planning tools, templates, and related informational resources (collectively, “Products”). These Products are intended solely to assist users in organizing their personal financial information and preparing for consultations with professional advisors.
2.2 No Professional Advice or Fiduciary Relationship
All Products and related content are provided strictly for educational and informational purposes. They do not constitute professional, financial, accounting, tax, legal, investment, or fiduciary advice. The Company does not act as a financial advisor, attorney, accountant, or fiduciary under any circumstance.
Your purchase or use of a Product does not create any advisory, professional, or confidential relationship with the Company.
2.3 User Responsibility and Assumption of Risk
You are solely responsible for determining whether a Product is suitable for your intended use. You acknowledge that all financial or business decisions are made at your own discretion and risk, and you agree to consult qualified professionals for advice specific to your individual circumstances.
The Company expressly disclaims any liability arising from your reliance on the Products beyond their intended educational purpose.
3. LICENSE GRANT AND RESTRICTIONS
3.1 License Grant
Upon full payment of the purchase price, the Company grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access, download, and use the purchased Product solely for your personal or internal business purposes, in accordance with these Terms.
3.2 License Restrictions
Except as expressly authorized in writing by the Company, you may not, directly or indirectly:
a) Copy, reproduce, modify, translate, or create derivative works of the Product;
b) Resell, sublicense, distribute, share, rent, lease, or publicly display the Product, in whole or in part;
c) Remove, obscure, or alter any copyright notices, watermarks, proprietary markings, or attribution;
d) Upload, post, or otherwise make the Product available on any public or shared platform, including websites, forums, or cloud storage; or
e) Use the Product in any manner that infringes, misappropriates, or violates any intellectual property or proprietary right of the Company or any third party.
3.3 Commercial and Multi-User Licenses
Use of the Products for institutional, educational, or commercial purposes, or by multiple users, requires the prior written authorization and license agreement from the Company. Unauthorized use may result in immediate termination of the license and may subject you to civil and/or criminal penalties under applicable intellectual property laws.
4. ORDERS, PAYMENTS, AND TAXES
4.1 Pricing and Currency
All prices listed on the Site are denominated in United States Dollars (USD) and are subject to change without notice. Prices exclude all applicable federal, state, and local taxes, duties, or fees.
4.2 Tax Obligations
You are solely responsible for paying any applicable taxes resulting from your purchase. The Company will collect and remit Washington State sales tax where required by law, pursuant to the Washington Administrative Code (WAC 458-20-15502) governing digital products and electronically delivered software.
4.3 Payment Processing
All payments must be made in full at the time of purchase. The Company utilizes secure, third-party payment processors (such as Stripe or PayPal) to handle payment transactions.
We do not store, retain, or have access to your full credit or debit card information. By submitting your payment, you authorize the Company and its third-party processor to charge your designated payment method for the total amount due, including applicable taxes and fees.
4.4 Order Acceptance and Rejection
All orders are subject to acceptance and verification by the Company. We reserve the right to decline or cancel any order for reasons including, but not limited to, payment issues, suspected fraud, system error, or violation of these Terms.
5. DELIVERY OF DIGITAL PRODUCTS
5.1 Method of Delivery
Upon successful confirmation of payment, you will receive access to your purchased Product via an electronic download link or direct digital download from the Site.
5.2 Responsibility for Download and Storage
It is your responsibility to promptly download, store, and back up the Product. The Company is not liable for any loss of access resulting from your failure to download the Product or due to device, software, or connectivity issues.
5.3 Download Expiration
Certain download links may be time-limited or restricted by the platform provider. Once the link expires or access is terminated, the Company is under no obligation to reissue download links unless otherwise agreed in writing.
5.4 Technical Support
The Company may, at its discretion, provide limited technical assistance for download or access issues, but is under no obligation to provide ongoing support, customization, or compatibility updates unless expressly stated on the Site.
6. REFUNDS, CANCELLATIONS, AND WITHDRAWALS
6.1 General Policy
All sales of digital products are final. Due to the immediate, irrevocable nature of electronic delivery, the Company does not provide refunds, exchanges, or cancellations once a Product has been downloaded or access has been granted.
6.2 Limited Exceptions
The Company may, at its sole discretion, offer refunds or replacements under limited circumstances, including:
a) Duplicate payments;
b) Corrupted or defective files that cannot be replaced; or
c) Misrepresentation or substantial deviation of the Product from its description on the Site.
Any such refunds shall be subject to verification and will comply with the Washington Consumer Protection Act (RCW 19.86) and other applicable consumer laws.
6.3 Refund Requests
Requests for refund or correction must be submitted in writing to us within fourteen (14) calendar days of purchase, including proof of payment, order details, and a clear explanation of the issue. The Company will evaluate the claim in good faith and respond within a reasonable time.
6.4 No Right of Withdrawal
Pursuant to the nature of digital content, you acknowledge that by initiating a download or gaining access to the Product, you lose any statutory right of withdrawal that might otherwise apply under consumer protection law.
6.5 Effect of Refund
If a refund is approved and processed, your license to use the Product shall immediately terminate, and you must permanently delete and cease all use of the Product and any copies thereof.
7. INTELLECTUAL PROPERTY RIGHTS
7.1 Ownership of Intellectual Property
All Products, software code, design elements, trade names, logos, documentation, instructional content, written materials, data compilations, and all other content available on or through the Site (collectively, the “Intellectual Property”) are and shall remain the sole and exclusive property of the company (the “Company”). Such materials are protected by applicable U.S. copyright laws, trademark statutes, trade secret laws, and relevant international treaties, including without limitation the Berne Convention for the Protection of Literary and Artistic Works and the Lanham Act (15 U.S.C. §1051 et seq.).
7.2 Limited License; No Transfer of Ownership
Your purchase of a Product constitutes the grant of a limited, non-exclusive, non-transferable, and revocable license to use the Product as expressly permitted herein. No ownership interest, title, or proprietary rights in or to the Intellectual Property are conveyed to you, whether by implication, estoppel, or otherwise.
7.3 Reservation of Rights
Except as expressly set forth in these Terms, all rights, title, and interest in the Products and related intellectual property are reserved exclusively to the Company. Any unauthorized use, reproduction, modification, or distribution of the Products or Site materials constitutes a material breach of this Agreement and may subject you to civil and criminal penalties under 17 U.S.C. §501 et seq. and other applicable law.
7.4 Trademarks
All trademarks, service marks, trade names, and logos displayed on the Site are the registered or unregistered marks of the Company or third parties. Nothing contained in this Agreement shall be construed as granting, by implication or otherwise, any license or right to use any such marks without the express written permission of the rightful owner.
8. DISCLAIMER OF WARRANTIES
8.1 General Disclaimer
All Products, materials, and content provided through the Site are furnished on an “AS IS,” “AS AVAILABLE,” and “WITH ALL FAULTS” basis. The Company expressly disclaims all representations, guarantees, or warranties, whether express, implied, statutory, or otherwise, including but not limited to any implied warranties of merchantability, fitness for a particular purpose, title, quiet enjoyment, accuracy, or non-infringement.
8.2 No Guarantee of Results
The Company does not represent or warrant that any Product will meet your specific requirements, achieve desired outcomes, or be suitable for any particular purpose. The Company makes no representations regarding the correctness, accuracy, reliability, or completeness of the Products or Site content.
8.3 Operational Disclaimer
The Company does not warrant that the Site or Products will function without interruption, error, delay, or technical defects; nor does it warrant that any identified issues will be corrected. Your use of the Site and Products is at your sole risk, and you assume full responsibility for all costs associated with maintenance, repair, or replacement of equipment or data resulting from such use.
8.4 Jurisdictional Limitation
Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you. In such cases, the Company’s warranties shall be limited to the minimum extent required by applicable law.
9. LIMITATION OF LIABILITY
9.1 General Limitation
To the fullest extent permitted by applicable law, the total aggregate liability of the Company, its officers, directors, employees, contractors, agents, licensors, or affiliates, for any claim, demand, loss, or damage arising out of or relating to this Agreement, the Site, or any Product, shall not exceed the total amount actually paid by you for the specific Product giving rise to the claim.
9.2 Exclusion of Certain Damages
Under no circumstances shall the Company be liable for any indirect, incidental, consequential, exemplary, punitive, or special damages, including but not limited to loss of profits, revenue, goodwill, business opportunities, anticipated savings, data, or other intangible losses, even if the Company has been advised of the possibility of such damages.
9.3 Allocation of Risk
The limitations of liability set forth herein reflect an informed, voluntary allocation of risk between the parties and form an essential basis of the bargain between you and the Company. Without such limitations, the pricing and availability of the Products would be materially different.
9.4 No Cumulative Remedies
The remedies provided under this Agreement are exclusive and in lieu of all other remedies at law, in equity, or otherwise.
10. INDEMNIFICATION
10.1 General Indemnity
You agree to defend, indemnify, and hold harmless the Company, its affiliates, owners, officers, directors, employees, contractors, successors, and assigns (collectively, the “Indemnified Parties”) from and against any and all claims, demands, losses, damages, liabilities, penalties, fines, settlements, costs, and expenses (including reasonable attorneys’ fees and court costs) arising out of or in connection with:
a) Your breach or violation of any term of this Agreement;
b) Your misuse, unauthorized distribution, or modification of the Products;
c) Your violation of any applicable law, regulation, or third-party rights; or
d) Any act or omission by you or any person accessing the Site or Products through your account or credentials.
10.2 Defense and Cooperation
You shall cooperate fully in the defense of any claim. The Company reserves the right, at its own expense, to assume the exclusive defense and control of any matter subject to indemnification, in which event you shall not settle any claim without the prior written consent of the Company.
10.3 Survival
This indemnification obligation shall survive the expiration, termination, or rescission of this Agreement and continue in full force and effect.
11. TERMINATION
11.1 Right to Terminate
The Company reserves the right, in its sole discretion and without prior notice, to suspend, restrict, or permanently terminate your license, account, or access to the Site and/or Products if it determines that you have violated any provision of these Terms, infringed upon the Company’s intellectual property rights, engaged in fraudulent activity, or acted in a manner detrimental to the Company or other users.
11.2 Effect of Termination
Upon termination of this Agreement for any reason:
a) All rights and licenses granted to you shall immediately cease;
b) You shall promptly cease using, accessing, or distributing any Product;
c) You must permanently delete or destroy all copies of the Products in your possession, custody, or control; and
d) You remain responsible for any outstanding payments or obligations incurred prior to termination.
11.3 Survival of Obligations
Termination of this Agreement shall not affect any provision that by its nature should survive termination, including but not limited to Sections 7 (Intellectual Property), 8 (Disclaimer of Warranties), 9 (Limitation of Liability), 10 (Indemnification), 12 (Governing Law), and 13 (Dispute Resolution).
11.4 No Waiver of Remedies
The Company’s exercise of termination rights shall be without prejudice to any other remedies available at law or equity, including claims for damages or injunctive relief.
12. GOVERNING LAW AND DISPUTE RESOLUTION
12.1 Governing Law
This Agreement, and any dispute or claim arising out of or relating to it, shall be governed by and construed in accordance with the laws of the State of Washington, without regard to its conflict-of-law rules or principles that would cause the application of the laws of any other jurisdiction.
12.2 Venue and Jurisdiction
All disputes, actions, or proceedings arising out of or relating to this Agreement shall be brought exclusively in the state or federal courts located in Washington, and each party irrevocably submits to the personal and exclusive jurisdiction and venue of such courts.
12.3 Waiver of Jury Trial
Each party hereby waives any right to a trial by jury in any action or proceeding arising out of or related to this Agreement.
12.4 Limitation on Claims
You agree that any cause of action arising under or related to this Agreement must be filed within one (1) year after such cause of action accrues; otherwise, the claim shall be permanently barred, regardless of any contrary statute of limitations.
12.5 Informal Resolution and Arbitration Option
Before initiating formal litigation, the parties agree to first attempt in good faith to resolve any dispute through informal negotiation. If the dispute cannot be resolved within thirty (30) days, either party may then pursue legal remedies in accordance with this section.
The Company may, at its sole discretion, require any dispute to be resolved by binding arbitration conducted in Washington State under the rules of the American Arbitration Association (AAA), and judgment upon the award may be entered in any court of competent jurisdiction.
13. MODIFICATIONS TO TERMS
13.1 Right to Modify
The Company reserves the right, in its sole discretion, to modify, amend, or update these Terms and any related policies at any time and without prior notice.
13.2 Effective Date of Changes
All modifications shall take effect immediately upon posting to this page, unless otherwise stated. The “Effective Date” displayed at the top of this document will indicate the most recent revision date.
13.3 Acceptance of Revised Terms
Your continued access to or use of the Site or Products after any modification constitutes your acknowledgment and acceptance of the revised Terms. If you do not agree to the updated Terms, you must immediately discontinue all use of the Site and Products.
14. CONTACT INFORMATION
All notices, legal correspondence, and administrative communications regarding this Agreement shall be directed to:
Business Name: The Dream Map
Business Address: 24617 E SR 224 NE Benton City, WA 99320
Email: Justine@thedreammap.com
Attention: Legal Department
Notices sent electronically shall be deemed received upon successful transmission. Notices sent by certified mail shall be deemed received five (5) business days after the date of mailing.
15. ELECTRONIC COMMUNICATIONS AND CONSENT
15.1 Consent to Electronic Delivery
By using our Site, creating an account, or communicating with us electronically, you consent to receive all communications from the Company in electronic form, including but not limited to agreements, notices, disclosures, and transaction records.
15.2 Legal Equivalence
You agree that all electronic communications from the Company satisfy any legal requirement that such communications be in writing, and that they have the same force and effect as physical documents signed in ink.
15.3 Withdrawal of Consent
You may withdraw your consent to receive electronic communications by notifying us in writing; however, doing so may limit or prevent your continued use of the Site and Products.
16. FORCE MAJEURE
The Company shall not be liable or deemed in breach of this Agreement for any failure or delay in performing its obligations caused by circumstances beyond its reasonable control, including but not limited to acts of God, natural disasters, flood, fire, war, terrorism, labor disputes, governmental actions, pandemics, power failures, internet outages, or communication disruptions.
During such events, the Company’s performance shall be suspended for the duration of the event, and reasonable efforts shall be made to resume normal operations as soon as practicable. If a force majeure event continues for more than sixty (60) consecutive days, either party may terminate this Agreement upon written notice without penalty.
17. SEVERABILITY AND WAIVER
17.1 Severability
If any provision of this Agreement is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be severed and replaced by a valid provision that most closely reflects the parties’ original intent. The remaining provisions shall remain in full force and effect.
17.2 Waiver
No waiver by the Company of any term, condition, or breach of this Agreement shall be deemed a continuing waiver of such term or any subsequent breach. The failure of either party to enforce any provision shall not constitute a waiver of that or any other provision.
18. ASSIGNMENT AND TRANSFER
18.1 Restrictions on Assignment
You may not assign, delegate, sublicense, or transfer any of your rights or obligations under this Agreement, in whole or in part, without the prior written consent of the Company. Any attempted assignment in violation of this provision shall be void and of no effect.
18.2 Company’s Right to Assign
The Company may freely assign or transfer this Agreement, in whole or in part, to any parent company, subsidiary, affiliate, or successor entity, including in connection with a merger, acquisition, reorganization, or sale of substantially all assets, without notice or consent.
18.3 Binding Effect
This Agreement shall be binding upon and inure to the benefit of the parties and their respective permitted successors and assigns.
19. ENTIRE AGREEMENT AND INTERPRETATION
19.1 Entire Understanding
This Agreement constitutes the entire and exclusive understanding between you and the Company regarding the subject matter hereof and supersedes all prior or contemporaneous agreements, representations, warranties, or communications, whether written or oral.
19.2 Interpretation
Headings are provided for convenience only and shall not affect interpretation. Any ambiguities shall not be construed against the drafter.
The words “including,” “includes,” and “include” are deemed to be followed by the words “without limitation.”
19.3 No Third-Party Beneficiaries
Except as expressly provided herein, this Agreement is intended solely for the benefit of the parties and their permitted successors and assigns and does not confer any rights or benefits upon any third party.