Terms and Conditions

Last Updated 07/10/2025

These Terms of Use (“Terms of Use”) apply to certain interactions as described herein that occur between the party clicking “accept” below and/or using the Beccas Platform (“you,” “user,” or “visitor”) and Beccas Home, LLC, and their affiliates, subsidiaries, and divisions (collectively, “Beccas”, “we”, “us”, or “our”). These Terms of Use apply to the Beccas websites that post these Terms of Use (including, without limitation, joinbeccas.com) (each a “Site”) and to any use of the Beccas software, and mobile applications, regardless of whether accessed via computer, mobile device, or otherwise (collectively with all Sites, the “Beccas Platforms”). The Beccas Platforms are owned or controlled by Beccas.

The user should carefully read the Terms of Use before using the Beccas Platforms. By using the Beccas Platforms, the user agrees that he/she has read, that he/she understands, and that he/she will be bound by these Terms. This is a legally binding agreement. If the user does not agree with the Terms of Use the user should not use the Beccas Platforms.

1. Beccas agrees to provide access to the Beccas Platforms in accordance with the Terms of Use.
2. The user accepts that the Beccas Platforms are provided on an “as is, as available” basis.
3. ALL ARTICLES AND MATERIAL DISPLAYED BY BECCAS ON THE BECCAS PLATFORMS ARE FOR INFORMATION ONLY, ARE NO SUBSTITUTE FOR SPECIFIC ADVICE, AND ARE IN NO MANNER TO BE CONSIDERED LEGAL ADVICE OR OTHER LICENSED PROFESSIONAL ADVICE OR A SUBSTITUTE THEREFOR. FOR SPECIFIC LEGAL ADVICE REGARDING THE USER’S PARTICULAR CIRCUMSTANCES, THE USER MUST RETAIN LEGAL COUNSEL. Beccas does not represent or endorse the accuracy or reliability of any advice, opinion, statement, or other information displayed or distributed through the Beccas Platforms, nor does Beccas represent and warrant that your use of the Beccas Platforms will be uninterrupted. The user acknowledges that any reliance upon any such materials, opinion, advice, statement, memorandum, or information shall be at the user’s sole risk. Beccas reserves the right, in its sole discretion, to correct any errors or omissions in any portion of the Beccas Platforms.
4. USER ACCESS TO AND USE OF THE BECCAS PLATFORMS MAY BE TERMINATED AT ANY TIME FOR ANY REASON OR FOR NO REASON BY THE USER OR BY BECCAS.
5. BECCAS MAY, SUBJECT TO AND IN ACCORDANCE WITH BECCAS’S PRIVACY POLICY FOR MARKETING AND OTHER PURPOSES, COLLECT, PROCESS AND TRANSMIT CERTAIN DATA OBTAINED FROM AND ABOUT THE USER IN THE COURSE OF THE USER’S ACCESSING THE BECCAS PLATFORMS OR DURING A PHONE CONSULTATION. BY AGREEING TO THESE TERMS, THE USER AGREES TO SUCH DATA BEING SO USED AND FURTHER AGREE THAT IT MAY BE TRANSMITTED TO OTHERS WHETHER OR NOT WITHIN THE UNITED STATES IN ACCORDANCE WITH BECCAS’S PRIVACY POLICY AND UNDER APPLICABLE PRIVACY AND DATA PROTECTION LEGISLATION. In the event that you are in default, you consent to receive debt collection emails at any time of the day or night including from our debt collection service providers and our agents. You certify that any email address you provide to Beccas can be used by Beccas and its agents for debt collection communications. You also certify that any email address you provide is a personal email address and not a work email address. If you change your email address, it is your obligation to update your email address with Beccas. Information on how and what type of data (if any) is held about a user can be obtained by clicking here and reviewing our privacy policy or by contacting Beccas.
6. In the event that you owe Beccas funds for Beccas’s services, and as further set forth in our E-Sign Disclosure and Consent Notice, you consent to receive debt collection emails at any time of the day or night including from our debt collection service providers and our agents, subject to applicable debt collection practices laws. You further certify that any email address you provide to Beccas can be used by Beccas and its agents for debt collection communications. You also certify that any email address you provide is a personal email address and not a work email address or other email address controlled or subject to deletion by anyone other than you. If you change your email address, it is your obligation to update your email address with Beccas. Information on how and what type of data (if any) is held about a user can be obtained by clicking here and reviewing our privacy policy or by contacting Beccas.
7. The Beccas Platforms are protected by copyright as a collective work and/or compilation, pursuant to U.S. copyright laws, international conventions, and other copyright laws. The user is authorized to download one copy of the material displayed or performed on the Beccas Platforms (“Content”) on one computer or device for the user’s personal, non-commercial use only, but the user may not in so doing remove or amend any trademark, copyright or other proprietary notice. All materials contained on the Beccas Platforms are protected by copyright, and are owned or controlled by Beccas or the party credited as the provider of the Content. The user will abide by any and all additional copyright notices, information, or restrictions contained in any Content on the Beccas Platforms. Permission is given to view the material on these web pages and save that material only for the user’s personal reference. Copying or storing of any Content for other than personal, noncommercial use is expressly prohibited without the prior written permission from Beccas or the copyright holder identified in the individual Content’s copyright notice.
8. The Beccas Platforms may include certain services on a subscription basis (the “Subscription Services”). By subscribing to Beccas’s Subscription Services, you agree to recurring billing, and to your credit card or other payment methods being charged automatically. You may cancel your subscription at any time through the Beccas Platform. Beccas’s Subscription Services may be provided through third-party servicers, and in such case, you are subject to such servicers’ applicable privacy policies and terms and conditions. Beccas may modify the available Subscription Services, and the applicable Subscription Services fee for such services, at any time, in its sole discretion. Any such modifications will be effective immediately upon posting on the Beccas Platforms, unless otherwise stated. Beccas makes no warranties, promises, or guarantees, and expressly disclaims all such warranties, promises, or guarantees, express or implied, related to the Beccas Platforms and the services provided by Beccas, including, but not limited to, those of merchantability, accuracy, or fitness for a particular purpose. Beccas further does not represent or warrant that its services will result in any specific outcome with respect to the user’s credit or prevent identity theft or fraud.
   
   Additionally, certain Subscription Services may be eligible for a forty-five (45)-day money back guarantee (“Money-Back Guarantee”). To date, the following Subscription Services are eligible for the Money-Back Guarantee (the “Refundable Services”):
   – Beccas’s $9/monthly eBook rental subscription
   
   Beccas may modify the above-referenced list of Refundable Services, at any time, in its sole discretion. If you are not satisfied with the aforementioned Refundable Services, you may request a full refund of the associated fees, provided that Beccas receives electronic notice of such request through the Beccas Platforms, within forty-five (45) days from when you first purchased the Refundable Services. This is a one-time Money-Back Guarantee and does not restart upon renewal of any Refundable Services, nor upon reinstatement of any Refundable Services that have been canceled and later repurchased by the user
9. Subject to the above, the user may not modify, copy, distribute, republish or upload any of the material on the Beccas Platforms in any way unless the user obtains the prior written consent of Beccas. No intellectual property or other rights shall be transferred to the user through his/her use of the Beccas Platforms. Beccas is not able to confirm that the materials contained on the Beccas Platforms are correct in every case. Beccas reserves the right to make changes to the Beccas Platforms, including the availability of any feature, database, Content, Web page materials, product information and prices on the Beccas Platforms at any time without notice or liability. Beccas may also impose limits on certain features and services or restrict the user’s access to parts or all of the Beccas Platforms without notice or liability. Nothing on the Site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark, copyright, or Content displayed on the Site, without the written permission of the trademark owner or copyright holder.
10. The user represents, warrants, and covenants that: (a) the user shall not upload, post or transmit to, distribute, or otherwise publish through the Beccas Platforms any materials which (i) restrict or inhibit any other user from using and enjoying the Beccas Platforms, (ii) are unlawful, threatening, abusive, libelous, defamatory, obscene, vulgar, offensive, pornographic, profane, sexually explicit or indecent, (iii) constitute or encourage conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate law, (iv) violate, plagiarize or infringe the rights of third parties including, without limitation, copyright, trademark, patent, rights of privacy or publicity or any other proprietary right, (v) contain a virus or other harmful component, (vi) contain any information, software or other material of a commercial nature, (vii) contain advertising of any kind, or (viii) constitute or contain false or misleading indications of origin or statements of fact; and (b) the user is at least eighteen (18) years old.
11. The user acknowledges that transmissions to and from the Beccas Platforms are not confidential and that the user’s Communications may be read or intercepted by others. Any unprotected e-mail communication over the Internet is subject to possible interception or loss, is not confidential and is also subject to possible alteration. Beccas is not responsible for and will not be liable to the user or any third party for damages in connection with an e-mail sent by a user to Beccas or an e-mail sent by Beccas to a user, or anyone that a user designates, at the user’s request. Violators of this section who use the Beccas Platforms or other Beccas services for any illegal purpose, including but not limited to, repeated unwanted emails or “Spam,” may be prosecuted to the full extent of the law.” The user acknowledges that by submitting Communications to Beccas, no confidential, fiduciary, contractually implied, or other relationship is created between the user and Beccas other than pursuant to these Terms of Use and any subsequent written agreement entered into with Beccas.
12. THE BECCAS PLATFORMS, INCLUDING ALL CONTENT, SOFTWARE, FUNCTIONS, MATERIALS AND INFORMATION MADE AVAILABLE ON OR ACCESSED THROUGH THE BECCAS PLATFORMS, ARE PROVIDED “AS IS, AS AVAILABLE”. TO THE FULLEST EXTENT PERMISSIBLE BY LAW, BECCAS MAKES NO REPRESENTATION OR WARRANTIES OF ANY KIND WHATSOEVER FOR THE CONTENT ON THE BECCAS PLATFORMS OR THE MATERIALS, INFORMATION AND FUNCTIONS MADE ACCESSIBLE BY THE SOFTWARE USED ON OR ACCESSED THROUGH THE BECCAS PLATFORMS, FOR ANY PRODUCTS OR SERVICES OR HYPERTEXT LINKS TO THIRD PARTIES, OR FOR ANY BREACH OF SECURITY ASSOCIATED WITH THE TRANSMISSION OF SENSITIVE INFORMATION THROUGH THE BECCAS PLATFORMS OR ANY LINKED SITE. FURTHER, BECCAS DISCLAIMS ANY EXPRESS OR IMPLIED WARRANTIES, INCLUDING WITHOUT LIMITATION, NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. BECCAS DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE BECCAS PLATFORMS OR ANY MATERIALS OR CONTENT CONTAINED THEREIN WILL BE UNINTERRUPTED OR ERROR FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE BECCAS PLATFORMS OR THE SERVERS THAT MAKE THEM AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. BECCAS SHALL NOT BE LIABLE FOR THE USE OF THE BECCAS PLATFORMS, INCLUDING, WITHOUT LIMITATION, THE CONTENT AND ANY ERRORS CONTAINED THEREIN. FURTHER, IN NO EVENT WILL BECCAS BE LIABLE FOR ANY LOSS OF PROFITS, BUSINESS, USE OF DATA, CAUSED BY A VIRUS, LOSS OF INCOME OR PROFIT, OR FOR INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES OF ANY KIND WHETHER BASED IN CONTRACT, NEGLIGENCE OR OTHER TORT, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF ANTICIPATED SAVINGS. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAWS, BECCAS, ON BEHALF OF ITS EMPLOYEES, AGENTS, SUPPLIERS.
    
    AND CONTRACTORS, DISCLAIM AND EXCLUDE LIABILITY FOR ANY LOSSES AND EXPENSES OF WHATEVER NATURE AND HOWSOEVER ARISING, INCLUDING WITHOUT LIMITATION ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES, LOSS OF USE, LOSS OF DATA, LOSS CAUSED BY A VIRUS, LOSS OF INCOME OR PROFIT, LOSS OF OR DAMAGE TO PROPERTY, CLAIMS OF THIRD PARTIES, OR OTHER LOSSES OF ANY KIND OR CHARACTER, EVEN IF BECCAS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES, ARISING OUT OF OR IN CONNECTION WITH THE USE OF THE BECCAS PLATFORMS OR ANY WEBSITE OR APPLICATION WITH WHICH IT IS LINKED. THE USER ASSUMES TOTAL RESPONSIBILITY FOR ESTABLISHING SUCH PROCEDURES FOR DATA BACK UP AND VIRUS CHECKING AS THE USER CONSIDERS NECESSARY.
13. Beccas’s failure to enforce any provision of these Terms of Use shall not be construed as a waiver or limitation of Beccas’s right to subsequently enforce and compel strict compliance with these Terms of use.
14. These Terms of Use shall be deemed severable, and the invalidity or unenforceability of any provisions herein shall not affect the validity or enforceability of the other provisions herein.
15. Either you or Beccas may suspend or terminate your access to the Site at any time, for any reason. Should you request to terminate your access to the Site or any logins that may be provided to you as a result of your use of the Site, you shall submit electronic notice to Beccas, via the Beccas Platforms, and such termination will be effective upon Beccas’s receipt of such electronic notice.
    
    Termination of access by either you or Beccas will not cause any term of these Terms of Use, which by its nature should survive termination, to lapse. Such provisions which will survive termination of these Terms of Use include, but are not limited to, disclaimers and warranties, limitations on liability, indemnification, and retention of personal information.
16. The user hereby agree to indemnify, defend and hold Beccas, and all its officers, directors, owners, agents, employees, information providers, affiliates, licensors and licensees (collectively, the “Indemnified Parties”) harmless from and against any and all liability and costs incurred by the Indemnified Parties in connection with any claim arising out of any breach by the user of these Terms of Use or the foregoing representations, warranties and covenants, including without limitation, attorneys’ fees and costs. The user shall cooperate as fully as reasonably required in the defense of any claim. Beccas reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by the user, and the user shall not in any event settle any matter without the written consent of Beccas.
17. Where Beccas provides hypertext links from or to third party sites, Beccas does so for convenience and information purposes only. Beccas does not review, endorse, approve or control, and is not responsible for any sites linked from or to the Beccas Platforms, the content of those sites, the third parties named therein, or their products, resources or services. Linking to or navigating to any other site is at the user’s sole risk and Beccas will not be responsible or liable for any damages in connection with linking or navigating to such site, and Beccas accepts no liability nor makes any endorsement or approval of the same.
18. These Terms of Use contain the entire understanding between the user and Beccas with respect to the Beccas Platforms and no oral or written representation, statement, or inducement not contained herein shall bind either the user or Beccas. Beccas reserves the right, at its sole discretion, to change, modify, add or remove any portion of these Terms of Use, in whole or in part, at any time. The user should review the Terms of Use regularly for any changes.
19. Should any part of the Terms of Use be declared invalid or unenforceable by a court of competent jurisdiction, such declaration shall not affect the validity of any remaining portion and such remaining portion shall remain in full force and effect as if the invalid portion of the Terms of Use had been eliminated.
20. These Terms of Use contain the entire understanding between us with respect of The Site and no representation, statement, inducement oral or written, not contained herein shall bind either of us. Beccas reserves the right, at its sole discretion, to change, modify, add or remove any portion of these Terms of Use, in whole or in part, at any time. Notification of changes in these Terms of Use will be posted on The Site.
21. The Site is not intended for children under 13 years of age. No one under 13 may provide any personal information to or on the Site. We do not knowingly collect personal information from children under 13. If you are under 13, do not use or provide any information on the Site, register for our services on the Site, use any interactive or public commentary features on the Site, or provide other information about yourself to us (including your name, address, telephone number, and/or email address). If we learn that we have collected or received personal information from someone under the age of 13 without verification of parental consent, we will delete that information.
    
    California residents under age 16 may have additional rights regarding the collection and sale of their personal information. For additional information concerning California users, please review our Privacy Policy.
    
    The Site may offer certain features that enable all users, including children, to communicate with other users on the Site. We do not control the types of information your child can send or post through them. We encourage parents to educate their children about safety online and to carefully monitor their children’s use of social features to ensure they do not disclose their personal information through them.
22. We control and operate the Site and our services from and within the United States of America. While we understand that foreign citizens may have access to and use the Site, we make no representation that the Site or its contents are appropriate for such users. To the extent any such users access the Site, we will comply with all applicable privacy and data laws that will apply.
    
    Residents of the European Union have rights, under certain circumstances, to: (i) receive communications related to the processing of their personal information that are concise, transparent, intelligible, and easily accessible; (ii) be provided with a copy of their personal information held by us; (iii) request the rectification or erasure of their personal information held by us without undue delay; (iv) request that we restrict the processing of their personal information (while we verify or investigate their concerns with this information, for example); (v) object to the further processing of their personal information, including the right to object to marketing; (vi) request that their personal information be moved to a third party; (vii) receive their personal information in a structured, commonly used and machine-readable format; and (viii) lodge a complaint with a supervisory authority.
23. The Site, any information provided from it and the Terms of Use are given and made in the state of Delaware, United States of America. THESE TERMS OF USE AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF DELAWARE, WITHOUT REGARD TO CONFLICTS OF LAWS PROVISIONS. SOLE AND EXCLUSIVE JURISDICTION FOR ANY ACTION OR PROCEEDING ARISING OUT OF OR RELATED TO THIS TERMS OF USE AGREEMENT SHALL BE AN APPROPRIATE STATE OR FEDERAL COURT LOCATED IN THE STATE OF DELAWARE.
24. The Beccas AI chatbot Coach is powered by Claude, or OpenAI, or another LLM, and is designed to offer general information to assist with your credit journey. While we strive to provide accurate and helpful responses, we cannot guarantee the completeness, accuracy, or timeliness of the information. Please note that the information provided should not be construed as legal or financial advice. We disclaim any liability for damages resulting from the use or reliance on the chatbot’s responses. Any such use or reliance is at your own risk and discretion.