Terms of Service for Time N Money

Last Updated: May 16, 2025

Welcome to Time N Money’s Substack Newsletter! This newsletter, found on Substack, is a space dedicated to exploring the 13 Universal Laws, the power of manifestation, and developing a mindset for abundance and oneness.

By subscribing to, reading, or interacting with Time N Money, you agree to comply with and be bound by the following Terms of Service ("Terms"). Please review these Terms carefully. If you do not agree to these Terms, you should not use or subscribe to the Newsletter.

These Terms apply to all visitors, subscribers, and others who access or use the Newsletter.

1. Acceptance of Terms
Your access to and use of the Newsletter is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users, and others who access or use the Newsletter. By accessing or using the Newsletter, you agree to be bound by these Terms. If you disagree with any part of the terms, then you may not access the Newsletter.

2. About the Newsletter
Time N Money’s Substack Newsletter provides content related to unlocking reality, understanding divine oneness, manifestation techniques, and the 13 universal laws. The content is for informational and educational purposes only and should not be considered financial, legal, or personal advice.

3. Substack's Terms of Use
As Time N Money is hosted on Substack, your use of the Newsletter is also governed by Substack's Terms of Use, Content Guidelines, and Privacy Policy. You are responsible for familiarizing yourself with Substack's policies. In the event of a conflict between these Terms and Substack's terms, Substack's terms will prevail where applicable to the platform itself.

4. Intellectual Property
All content published on and/or distributed by Time N Money, including articles, text, graphics, logos, images, and any other material (the "Content"), is the property of Kyle Kudrna or its content suppliers and protected by copyright and other intellectual property laws.

• License to You: You are granted a limited, non-exclusive, non-transferable license to access and read the Content for your personal, non-commercial use only.

• Restrictions: You may not modify, copy, reproduce, republish, upload, post, transmit, translate, sell, create derivative works, exploit, or distribute in any manner or medium (including by email or other electronic means) any Content from the Newsletter without prior written permission from [Your Name/Your Newsletter Name], except as permitted by "fair use" principles under copyright law or as explicitly provided for within the Newsletter (e.g., "share" buttons).

5. User Conduct and Responsibilities
When interacting with the Newsletter (e.g., through comments, community features):

• You agree to use the Newsletter for lawful purposes only.

• You are responsible for any content you post or share.

• You will not post or transmit any material that is abusive, defamatory, harassing, hateful, obscene, fraudulent, or that infringes on the intellectual property or other rights of others.

• You will not engage in spamming or phishing.

• You will not impersonate any person or entity.

• You acknowledge that Time N Money and Substack have the right to remove any content or terminate access for users who violate these guidelines or Substack's Content Guidelines.

6. Disclaimers
The Content provided in the Newsletter is for general informational and educational purposes only.

• No Professional Advice: The Content does not constitute financial, investment, legal, medical, or other professional advice. Always seek the advice of a qualified professional with any questions you may have regarding a specific issue. Reliance on any information provided in the Newsletter is solely at your own risk.

• No Guarantees: While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability with respect to the Newsletter or the information, products, services, or related graphics contained in the Newsletter for any purpose. Any reliance you place on such information is therefore strictly at your own risk.

• Results Not Guaranteed: Testimonials or examples of manifestation, abundance, or personal growth are not guarantees of future results. Your personal success depends on many factors, including your own efforts, dedication, and personal circumstances.

• "As Is" Basis: The Newsletter and its Content are provided on an "as is" and "as available" basis.

7. Limitation of Liability
To the fullest extent permitted by applicable law, in no event shall Time N Money, its affiliates, or its licensors be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Newsletter; (ii) any conduct or content of any third party on the Newsletter; (iii) any content obtained from the Newsletter; and (iv) unauthorized access, use or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence) or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.

8. Third-Party Links
The Newsletter may contain links to third-party websites or services that are not owned or controlled by Kyle. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You further acknowledge and agree that Time N Money shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services. We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.

9. SEO and Content Purpose
This Newsletter aims to provide high-quality, original content focused on universal laws, manifestation, divine oneness, personal growth, mindset. While we strive for visibility in search engines, the primary purpose of our content is editorial and educational, not solely for advertising external products or services, driving traffic to third-party sites for promotional purposes, or other activities that violate Substack's guidelines regarding marketing and promotion.

10. Privacy Policy
Your privacy is important to us. Any personal information you provide to us (such as your email address when subscribing) is also subject to Substack's Privacy Policy. We encourage you to review it. Time N Money will only use your email address to send you the Newsletter and related communications you have opted into. We will not sell or rent your personal information to third parties.

11. Subscription Terms

• Subscription: By subscribing, you agree to receive emails from [Your Newsletter Name].

• Paid Subscriptions: If Time N Money offers paid subscription tiers, the terms of payment, renewal, and cancellation will be governed by Substack's payment processing terms and any specific terms outlined at the point of subscription. Substack typically takes a percentage of revenue from paid subscriptions.

• Unsubscribing: You may unsubscribe from the Newsletter at any time by clicking the "unsubscribe" link found at the bottom of every email.

12. Changes to Terms of Service
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least [e.g., 15-30] days' notice prior to any new terms taking effect, typically via an announcement in the Newsletter or an email. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Newsletter after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Newsletter.

13. Contact Us
If you have any questions about these Terms, please contact us at kylekudrna3@gmail.com