Last updated: 5/07/2026
Welcome to TXTMU (“TXTMU,” “we,” “us,” or “our”). These Terms of Use (“Terms”) govern your access to and use of txtmu.com (the “Site”), including all content, features, and services offered on or through the Site. By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.
1. Use of the Site
You may use the Site only for lawful purposes and in accordance with these Terms. You agree not to:
- Use the Site in any way that violates any applicable local, national, or international law or regulation.
- Attempt to gain unauthorized access to any part of the Site, other accounts, or computer systems connected to the Site.
- Use any automated system, including “robots,” “spiders,” or “offline readers,” to access the Site in a manner that sends more request messages than a human can reasonably produce.
- Reproduce, duplicate, copy, sell, resell, or exploit any portion of the Site without our express written permission.
2. Educational Content Only — No Financial Advice
All content on TXTMU, including articles on Budgeting, Credit Cards, Investing, Saving Money, and Side Hustles, is provided for general informational and educational purposes only. It does not constitute financial, investment, tax, legal, or professional advice of any kind.
- TXTMU is not a registered investment advisor, broker-dealer, financial planner, accountant, or legal professional.
- Nothing on this Site should be construed as a recommendation to buy, sell, or hold any security, financial product, or investment strategy.
- You should always conduct your own research and consult a qualified, licensed professional before making any financial, investment, credit, or business decision.
- Financial markets and personal circumstances vary, and past performance or general strategies discussed on the Site are not guarantees of future results.
Your use of any information on this Site is entirely at your own risk.
3. Third-Party Links and Advertising
The Site may contain links to third-party websites, products, or services (including advertising served through Google AdSense and other partners) that are not owned or controlled by TXTMU. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party sites or services.
TXTMU may also participate in affiliate marketing programs, meaning we may earn a commission on qualifying purchases made through links on the Site, at no additional cost to you. We only recommend products or services we believe may be of value to our readers, but you should independently evaluate any offer before acting on it.
4. Intellectual Property
Unless otherwise stated, all content on the Site — including text, graphics, logos, images, and design — is the property of TXTMU and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, modify, or create derivative works from any content on this Site without our prior written consent, except for personal, non-commercial use (e.g., sharing a link to an article).
5. No Warranties
The Site and all content are provided on an “as is” and “as available” basis, without warranties of any kind, either express or implied, including but not limited to accuracy, completeness, timeliness, or fitness for a particular purpose. We make no guarantee that the Site will be error-free, uninterrupted, or free of viruses or other harmful components.
6. Limitation of Liability
To the fullest extent permitted by law, TXTMU and its owners, contributors, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in connection with your use of, or inability to use, the Site or any content, information, or services provided through it — including any financial losses resulting from decisions made based on content found on the Site.
7. Changes to These Terms
We may update or revise these Terms at any time without prior notice. Any changes will be posted on this page with an updated “Last updated” date. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.
8. Privacy
Your use of the Site is also governed by our Privacy Policy, which explains how we collect, use, and protect your information.
9. Governing Law
These Terms shall be governed by and construed in accordance with the laws of [Insert Jurisdiction], without regard to its conflict of law provisions.
10. Contact Us
If you have any questions about these Terms of Use, please reach out through our Contact page.