Terms of Service
Cash Cow Cha-Ching, LLC d/b/a Combat the Clutter
Last Updated: July 15, 2026
1. Agreement to These Terms
These Terms of Service (“Terms”) govern your access to and use of the Combat the Clutter website, digital products, content, and services.
Combat the Clutter is a registered trade name of Cash Cow Cha-Ching, LLC, a Georgia limited liability company (“Company,” “we,” “our,” or “us”).
By accessing or using our website, products, content, or services, you acknowledge that you have read, understood, and agreed to be bound by these Terms.
If you do not agree to these Terms, please do not access or use our website, products, content, or services.
2. Age Requirements
Combat the Clutter is intended for individuals who are 18 years of age or older.
By using our website, products, content, or services, you represent that you are at least 18 years old and have the legal capacity to enter into these Terms.
Individuals under 18 may not purchase or independently use our products or services.
3. License to Use the Website
Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Combat the Clutter website and its content for your personal, non-commercial use.
You may not:
Reproduce, copy, redistribute, resell, sublicense, or publicly display our content
Share paid products, downloads, account access, or member-only materials with non-purchasers
Use Combat the Clutter materials to create or support competing products or services
Modify, adapt, translate, or create derivative works from our materials without written permission
Use bots, scrapers, automated tools, or similar technology to access, collect, copy, or extract website content
Remove copyright, trademark, ownership, or other proprietary notices from our materials
We may revoke this license if you violate these Terms or misuse our website, products, content, or services.
4. User Obligations
By using our website, products, content, or services, you agree to:
Provide accurate, current, and complete information when requested
Use the website and its features only for lawful purposes
Access paid or restricted content only through authorized accounts and methods
Protect your login credentials and account access
Treat other users, customers, and members of our team respectfully
Avoid abusive, threatening, fraudulent, misleading, or harmful conduct
Notify us if you become aware of unauthorized access to your account
You are responsible for activity conducted through your account unless the activity resulted from a failure within systems under our control.
5. Acceptable Use
You may not use the Combat the Clutter website, products, content, or services to:
Upload, transmit, or distribute viruses, malicious code, spam, or other harmful material
Circumvent, disable, interfere with, or attempt to bypass security or access controls
Collect, harvest, or misuse information about other users
Disrupt, overload, damage, or impair the website or its functionality
Impersonate another person or misrepresent your identity or affiliation
Defame, harass, threaten, exploit, or harm another person
Engage in fraudulent, deceptive, unlawful, or unauthorized activity
Use our services in a manner that violates the rights of another person or entity
We reserve the right to investigate suspected violations and take appropriate action, including restricting or terminating access.
6. Intellectual Property
All content made available through the Combat the Clutter website, products, and services—including toolkits, guides, downloads, templates, branding, text, graphics, photographs, audio, video, design elements, and other materials—is owned by or licensed to Cash Cow Cha-Ching, LLC and is protected by applicable copyright, trademark, and other intellectual property laws.
Your purchase or access gives you a limited license for personal use only. It does not transfer ownership of the content or any intellectual property rights.
Without our prior written permission, you may not:
Copy, reproduce, modify, adapt, translate, or create derivative works from our materials
Redistribute, resell, sublicense, publish, or publicly display our materials
Share paid or restricted materials with anyone who has not purchased or been granted access
Remove copyright, trademark, ownership, or other proprietary notices
Use our content, methods, or materials to create or support competing products, services, training, or commercial offerings
7. Security, Data Storage, and Cookies
Combat the Clutter uses reasonable administrative, technical, and physical safeguards designed to protect personal information and account data.
However, no website, electronic transmission, or data-storage system can be guaranteed to be completely secure. By using our website, products, or services, you acknowledge the risks inherent in transmitting information online.
We may use cookies and similar technologies to support website functionality, analyze traffic, remember preferences, improve user experience, and help protect our website and services.
You may be able to manage or disable cookies through your browser settings or any cookie-management tools available on the website. Disabling certain cookies may affect how some features function.
For more information about how we collect, use, store, and protect personal information, please review our Privacy Policy.
8. Spam Policy
You may not use the Combat the Clutter website, products, services, accounts, contact forms, community features, or other resources to send, distribute, or facilitate unauthorized, misleading, or unsolicited messages.
Violations of this policy may result in restricted access, account suspension, or termination.
9. Third-Party Links and Services
Our website, content, products, or services may include links to third-party websites, platforms, tools, products, or services.
These third parties operate independently and may have their own terms, privacy policies, security practices, and business practices. We do not control and are not responsible for their content, availability, accuracy, products, services, or practices.
Your use of third-party websites or services is at your own discretion and subject to the terms and policies of those third parties.
10. Affiliate Links and Advertising
Some content may include affiliate links. If you purchase a product or service through an affiliate link, Combat the Clutter may receive a commission or other compensation at no additional cost to you.
We aim to recommend only products, tools, and resources that we believe may be useful or relevant. However, the inclusion of an affiliate link does not guarantee that a product or service will be suitable for your specific needs or circumstances.
Any sponsored, paid, or affiliate relationship will be disclosed where required.
11. Assumption of Risk
By using the Combat the Clutter website, products, content, or services, you acknowledge that individual results may vary based on your circumstances, decisions, effort, tools, participation, and implementation.
Our content and services are designed to provide education, guidance, support, and practical systems. We do not guarantee specific personal, professional, financial, organizational, or business outcomes.
You remain responsible for the choices you make and for determining whether any recommendation, product, service, or resource is appropriate for your needs.
12. Sales, Refunds, and Chargebacks
Digital Products
Because digital products may be accessed, downloaded, or delivered immediately, purchases of downloadable materials are generally final and nonrefundable.
We may consider refund requests in limited circumstances at our sole discretion.
Courses, Workshops, and Programs
Refund requests for courses, workshops, or programs may be considered within seven days of purchase, provided that you have not accessed, downloaded, or completed more than 50 percent of the included material.
Any approved refund may be reduced by payment-processing fees or the value of materials already accessed, where permitted by law.
One-on-One Sessions and Services
Payments for one-on-one sessions and services are nonrefundable once the session has begun or the service has been delivered.
Separate cancellation or rescheduling terms may apply and will be provided at the time of booking or purchase.
Chargebacks and Payment Disputes
Before initiating a chargeback or payment dispute, you agree to contact us through our Contact Us page so we have an opportunity to review and resolve the issue.
We reserve the right to dispute fraudulent, unauthorized, or improper chargebacks and to suspend or terminate access to products, accounts, or services associated with an unresolved payment dispute.
Nothing in this section limits any rights you may have under applicable law.
13. Testimonials, Feedback, and Media
If you voluntarily submit a testimonial, review, feedback, photograph, video, or other media directly to Combat the Clutter, you grant Cash Cow Cha-Ching, LLC permission to use, reproduce, edit for length or clarity, publish, display, and distribute the submitted material for business, promotional, educational, or marketing purposes.
We will not intentionally disclose private or sensitive information that you did not authorize for public use.
Tagging, mentioning, or interacting with Combat the Clutter on a public social-media platform does not automatically permit us to use your name, image, likeness, or content in promotional materials without additional consent.
You may withdraw permission for future use by contacting us through our Contact Us page. Withdrawal will not require us to remove materials already printed, published, distributed, or incorporated into completed content where removal is not reasonably possible.
14. Indemnification
To the fullest extent permitted by applicable law, you agree to defend, indemnify, and hold harmless Cash Cow Cha-Ching, LLC, Combat the Clutter, and their owners, employees, contractors, agents, affiliates, and service providers from and against claims, liabilities, losses, damages, judgments, costs, and expenses, including reasonable legal fees, arising from or related to:
Your use or misuse of our website, products, content, or services
Your violation of these Terms
Your violation of applicable law
Your infringement or violation of another person’s rights
Information, content, or materials you submit through our website or services
This obligation does not apply to the extent a claim results from our own unlawful conduct or where indemnification is prohibited by applicable law.
15. Limitation of Liability
To the fullest extent permitted by applicable law, Cash Cow Cha-Ching, LLC and Combat the Clutter will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from or related to your use of—or inability to use—our website, products, content, or services.
This includes, without limitation:
Loss of income, revenue, profits, opportunities, or business
Loss, corruption, or unauthorized access to data
Business interruptions
Website errors, delays, outages, or unavailable features
Actions taken based on our educational content, recommendations, or resources
Conduct, products, services, or content provided by third parties
To the fullest extent permitted by law, our total liability for any claim arising from a purchase will not exceed the amount you paid to Combat the Clutter for the product or service giving rise to the claim.
Nothing in these Terms excludes or limits liability that cannot legally be excluded or limited.
16. Release of Claims
To the fullest extent permitted by applicable law, you release Cash Cow Cha-Ching, LLC, Combat the Clutter, and their owners, employees, contractors, agents, affiliates, and service providers from claims arising from risks you knowingly assume through your use of our website, products, content, or services.
This release does not apply to claims arising from fraud, willful misconduct, gross negligence, or any other liability that cannot legally be waived.
17. Confidential Information
During one-on-one sessions, programs, account support, or other services, you may share private or sensitive information with us. We will handle that information with reasonable care and in accordance with our Privacy Policy.
Confidentiality does not apply to information that:
Is already publicly available without any breach of confidentiality
Was lawfully known before it was disclosed
Is received lawfully from another source
Must be disclosed under applicable law, court order, subpoena, or government request
Must be disclosed when reasonably necessary to prevent serious harm, fraud, abuse, or unlawful activity
You also agree not to copy, record, reproduce, distribute, disclose, or share any materials, methods, discussions, or information clearly identified as confidential or provided in a private program, session, or member area without our prior written permission.
18. Disclaimers and Warranties
The Combat the Clutter website, products, content, and services are provided on an “as is” and “as available” basis to the fullest extent permitted by applicable law.
We make no express or implied warranties regarding:
Specific results or outcomes
The accuracy, completeness, or suitability of all content for every individual circumstance
Error-free or uninterrupted access
Continuous website or service availability
Compatibility with every device, platform, or third-party service
The prevention of all data loss, security incidents, or technical problems
Our content is provided for educational and informational purposes and is not a substitute for legal, financial, medical, tax, mental health, cybersecurity, or other licensed professional advice.
You remain responsible for evaluating information and making decisions appropriate to your circumstances.
19. Suspension and Termination
We may restrict, suspend, or terminate your account or access to our website, products, content, or services if we reasonably believe that you have:
Violated these Terms
Engaged in fraudulent, unlawful, abusive, threatening, or harmful behavior
Misused our website, content, products, services, or payment systems
Shared restricted or paid materials without authorization
Compromised the security or operation of our website or services
Failed to make a required payment or initiated an improper payment dispute
Where appropriate, we may provide notice and an opportunity to correct the violation. However, we may act immediately when necessary to protect our business, customers, systems, intellectual property, or legal rights.
You may stop using our website or services at any time. Termination does not eliminate payment obligations or provisions of these Terms that are intended to remain in effect.
20. Governing Law and Dispute Resolution
These Terms are governed by the laws of the State of Georgia, without regard to conflict-of-law principles.
Before beginning formal legal proceedings, you agree to contact us through our Contact Us page and make a good-faith effort to resolve the dispute informally.
If a dispute cannot be resolved through good-faith communication, the parties agree to submit the dispute to binding arbitration in Georgia, except where arbitration is prohibited by applicable law or where a claim qualifies for small-claims court.
Arbitration will be conducted on an individual basis. To the fullest extent permitted by law, disputes may not be brought or resolved as part of a class, collective, consolidated, or representative action.
Each party will be responsible for its own costs and legal fees unless the arbitrator or applicable law requires otherwise.
Nothing in this section prevents either party from seeking temporary or emergency relief to protect intellectual property, confidential information, account security, or other legal rights.
21. General Provisions
These Terms, together with our Privacy Policy and any additional terms provided at the time of purchase, booking, or enrollment, constitute the entire agreement between you and Cash Cow Cha-Ching, LLC regarding your use of the Combat the Clutter website, products, content, and services.
If we do not immediately enforce a provision of these Terms, that does not waive our right to enforce it later.
If any provision is found to be invalid, unlawful, or unenforceable, the remaining provisions will continue in full force and effect.
You may not transfer or assign your rights or obligations under these Terms without our prior written permission. We may assign our rights or obligations as part of a merger, restructuring, sale, or transfer of the business.
Headings are provided for convenience and do not affect the interpretation of these Terms.
We may update these Terms periodically to reflect changes in our website, products, services, business practices, or legal obligations.
Updated Terms will be posted with a revised “Last Updated” date. Where required by law, we will provide additional notice before material changes take effect.
Your continued use of the website, products, content, or services after the updated Terms become effective constitutes acceptance of the revised Terms.
22. Contact Us
For questions about these Terms of Service, please use our linked Contact Us page and select Terms of Service as the reason for your inquiry.
For customer support, product questions, purchases, or account assistance, use the same Contact Us page and select the option that best matches your request.