Terms of service.

You can use this site for free. We make a best effort to keep it accurate. By using the site you agree these terms apply. They’re written in plain language because a contract you can’t read isn’t a contract you’ve actually agreed to.

Money Molecule provides general financial education and tools — articles, calculators, a glossary, and an AI chat assistant. It is not financial advice, tax advice, legal advice, or investment advice. That stays true even when articles are detailed, and even when a calculator outputs a specific number to the dollar.

For any personal decision where the downside is real, consult a qualified professional who knows your full situation. Calculator outputs are estimates with explicit assumptions on the page — real-world outcomes vary, sometimes a lot.

You’re responsible for keeping your magic-link sign-in secure — don’t forward sign-in emails to people you wouldn’t hand your password to. One person per account.

We can suspend accounts that abuse the site — spamming Molecule, attempting to bypass the AI quota, scraping the knowledge base, scripted requests, that kind of thing. We’ll always email and explain why before we suspend, unless the abuse is causing live damage.

Molecule has per-tier question quotas. Today:

• Anonymous visitors — 3 lifetime questions, tracked per IP fingerprint.
• Signed-in free tier — 3 questions per day.
• Paid tiers — more, with the exact limits shown on the pricing page when they launch.

The quotas exist because each question has a real API cost. Bypassing them — multiple accounts, scripted requests, shared-credential abuse — ends your access to Molecule and, if persistent, the rest of the site.

Molecule is an AI, not a human. It never recommends specific stocks, specific cryptocurrencies, or specific individual products by name. For tax, legal, or major financial decisions, it will tell you to consult a professional rather than try to be one. The full statement of what Molecule can and can’t do is at /ai.

Nothing on this site is a recommendation to buy, sell, or hold any security, fund, or financial product. Past performance figures shown in articles or calculators do not predict future performance. Money Molecule is not your fiduciary. Acting on anything you read here is your decision, made with your own judgment and, ideally, with a qualified professional looped in on the larger calls.

Plain version: we try hard to be accurate. We’re also human and we use AI. Both make mistakes sometimes. If a number on this site turns out to be wrong and you make a decision based on it, the consequences are yours. If a calculator returns a misleading result, the consequences are yours.

We make no warranties beyond what’s required by law — no guarantee that the site is uninterrupted, error-free, or fit for any particular purpose. Our maximum aggregate liability to any single user is the total amount you have paid us, which today is zero.

None of the above is meant to limit rights you have under consumer-protection laws that cannot be waived by contract. Where such a law applies and conflicts with these terms, the law wins for the part it covers.

Articles, calculators, knowledge-base content, and the Molecule system prompt are © MoneyMolecule. You can:

• Link to anything on the site, anywhere.
• Quote short passages with attribution and a link back to the original page.

You can’t:

• Republish whole articles.
• Use the corpus to train an AI model, fine-tune one, or build embeddings against it without written permission.
• Scrape the dictionary or the knowledge base at scale.