Terms of Use

Last updated: July 2026

Agreement to These Terms

By using clearwoodco.com, calculator.clearwoodco.com, or purchasing our products, you agree to these Terms of Use. If you do not agree with them, please do not use the site.

Who We Are

Clearwood & Co. is an independent publisher and product company focused on financial education. We sell books and apparel and provide free educational tools, including the Wealth Calculator.

Educational Content, Not Financial Advice

Everything we publish, including books, articles, emails, calculators, tools, product descriptions, social media content, and any other materials, is for educational and informational purposes only.

Nothing on our website is financial, investment, legal, tax, or accounting advice. Nothing we publish is a recommendation to buy, sell, or hold any security, asset, investment, or financial product.

Everyone’s financial situation is different. Before making significant financial, investment, legal, tax, or accounting decisions, consider speaking with a qualified professional who understands your individual circumstances.

We make no promises or guarantees about financial outcomes, investment results, savings, returns, or other results based on anything we publish.

The Wealth Calculator

The Wealth Calculator produces estimates based on the numbers and assumptions you enter. Actual results may differ significantly from any projection.

Markets do not deliver smooth or guaranteed returns, and future performance cannot be predicted with certainty. The Wealth Calculator is for illustration and learning only and should not be relied on as financial planning, investment advice, or a guarantee of future results.

Purchases

When you buy from Clearwood & Co., you agree to provide accurate checkout and shipping information.

All purchases are subject to our Shipping Policy and Refund & Returns Policy. We may refuse, cancel, or limit orders at our discretion, including orders affected by pricing errors, listing errors, suspected fraud, or availability issues.

Pricing and Availability

Prices, product descriptions, product images, and availability may change without notice. We try to keep listings accurate, but errors may occur.

If an order is affected by a pricing, product, or listing error, we reserve the right to correct the error and cancel the affected order. If you have already paid, we will issue a refund.

Our Content

The content on this website, including books, text, logos, graphics, images, designs, apparel designs, educational resources, calculator content, and other materials, belongs to Clearwood & Co. or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may share links to our website and content. You may not copy, reproduce, resell, distribute, modify, or commercially use our content without written permission from Clearwood & Co.

Acceptable Use

You agree not to use the site for unlawful purposes, attempt to gain unauthorized access to our systems, introduce malicious code, scrape or bulk-copy our content, interfere with the site’s operation, or misuse our tools, products, or services.

We may restrict, suspend, or block access to the site if we believe these terms have been violated.

Third-Party Links and Services

Our website may use or link to third-party services, including Shopify, payment processors, shipping carriers, Apliiq, our email/newsletter provider, analytics tools, social platforms, and the separate Wealth Calculator site.

We do not control third-party services and are not responsible for their content, policies, security, or practices. Your use of third-party services is subject to their own terms and policies.

Disclaimer of Warranties

The website, products, tools, calculator, and content are provided “as is” and “as available,” without warranties of any kind, express or implied.

We do not guarantee that the site will be uninterrupted, error-free, secure, or that any information or tool will always be accurate, complete, or current.

Limitation of Liability

To the fullest extent permitted by law, Clearwood & Co. and its owners, employees, contractors, partners, and affiliates will not be liable for indirect, incidental, consequential, special, punitive, or exemplary damages arising from your use of the site, reliance on our content, calculator results, product purchases, or third-party services.

Where liability cannot be excluded, our liability is limited to the amount you paid us in the twelve months before the claim arose.

Indemnification

You agree to indemnify and hold harmless Clearwood & Co. and its owners, employees, contractors, partners, and affiliates from claims, damages, losses, liabilities, costs, and expenses, including reasonable attorneys’ fees, arising from your violation of these Terms of Use or misuse of the site.

Changes to These Terms

We may update these Terms of Use from time to time. If we update them, we will change the “Last updated” date at the top of this page. Continued use of the site after changes are posted means you accept the updated terms.

Governing Law

These Terms of Use are governed by the laws of the Commonwealth of Pennsylvania, United States, without regard to conflict of law principles.

Severability

If any part of these Terms of Use is found unenforceable, the remaining sections will continue in full force and effect.

Contact

Questions about these Terms of Use? Contact us at hello@clearwoodco.com.