Terms of Service

1. Eligibility

You must be at least the age of legal majority in your state or jurisdiction to make a purchase or create a customer account.

If you are under the age of legal majority, you may use the website only with the involvement and permission of a parent or legal guardian.

By using the website, you represent that:

• You are legally capable of entering into an agreement
• The information you provide is accurate and complete
• You will use the website only for lawful purposes
• You will comply with these Terms and applicable laws

2. Shopify

Our online store is hosted through Shopify, which provides the ecommerce platform that allows us to offer and sell our products.

Shopify may provide services relating to website hosting, customer accounts, checkout, payment processing, fraud prevention, order management, Shop Pay, and other ecommerce features.

Although Shopify provides the technology supporting our store, products purchased through our website are sold by Money Over Memories LLC unless otherwise stated.

Your use of certain Shopify services, including Shop or Shop Pay, may also be subject to separate terms and policies provided by Shopify.

3. Customer Accounts

You may have the option to create or use a customer account to view orders, save addresses, manage preferences, and access other account features.

You agree to:

• Provide accurate and current account information
• Maintain the security of your email account and login credentials
• Restrict unauthorized access to your account
• Notify us promptly if you suspect unauthorized activity
• Accept responsibility for activity conducted through your account to the extent permitted by law

We may suspend, restrict, or terminate an account if we reasonably believe it is being used fraudulently, unlawfully, abusively, or in violation of these Terms.

Creating a customer account does not guarantee that any product will remain available or that any order will be accepted.

4. Product Information

We make reasonable efforts to present our products and their details accurately.

Product descriptions may include information relating to:

• Materials and metal composition
• Gold or silver purity
• Plating or finishes
• Gemstone or diamond type
• Dimensions, weights, and chain lengths
• Apparel sizing, fabrics, and construction
• Product condition
• Care recommendations
• Availability and pricing

The description shown on the individual product page controls over general website content.

Product measurements and weights may be approximate and may vary slightly because of manufacturing tolerances, measurement methods, natural materials, or hand-finished details.

Colors, finishes, scale, brightness, and other visual characteristics may appear differently depending on your screen, device, lighting, and display settings. We cannot guarantee that your device will display every product color or finish exactly.

Natural gemstones, diamonds, metals, textiles, and hand-finished products may have minor variations. These variations are not necessarily defects.

Material information, gemstone information, condition disclosures, and care instructions displayed on a product page form part of the product description. The Federal Trade Commission’s Jewelry Guides emphasize accurate descriptions and appropriate disclosures for diamonds, gemstones, precious metals, plated products, and related jewelry.

5. Jewelry Care and Wear

Jewelry may be affected by ordinary wear, moisture, chemicals, cosmetics, cleaning products, friction, storage conditions, and individual skin chemistry.

Unless a specific warranty is stated on the product page, normal wear may include:

• Tarnishing or oxidation
• Scratches or surface marks
• Gradual changes to polished or plated finishes
• Loose components caused by impact or improper handling
• Wear to clasps, links, stones, or settings

Customers are responsible for following the product care instructions provided with an item or displayed on our website.

Damage caused by accidents, misuse, alterations, improper storage, exposure to chemicals, unauthorized repairs, or failure to follow care instructions may not qualify as a product defect.

Nothing in this section limits any rights or warranties that cannot legally be waived.

6. Apparel Sizing and Care

Apparel sizing may vary by product, style, cut, material, and manufacturer.

Customers are responsible for reviewing the size chart and product description before ordering. Product measurements are approximate and may have reasonable manufacturing tolerances.

Customers must follow the washing and care instructions provided on the garment or product page. Shrinkage, fading, cracking, discoloration, or other damage caused by improper washing, drying, ironing, bleaching, or handling may not qualify as a product defect.

7. Pricing

Unless otherwise stated, all prices are displayed in U.S. dollars.

Prices may not include:

• Shipping charges
• Sales tax
• Customs duties
• Import charges
• Other government-imposed fees

These amounts may be calculated and displayed during checkout where applicable.

We may change product prices at any time before an order is accepted. A price change will not normally affect an order that has already been accepted, except when the displayed price resulted from an obvious error.

Discounts and promotional offers cannot be applied retroactively unless expressly stated.

8. Orders and Acceptance

Submitting an order is an offer to purchase products from Money Over Memories.

An automated order-confirmation email acknowledges that we received your order. It does not necessarily mean that we have accepted or fulfilled the order.

All orders are subject to:

• Product availability
• Payment authorization
• Fraud and security review
• Address verification
• Order limits
• Acceptance by Money Over Memories

We reserve the right, to the extent permitted by law, to reject, limit, hold, or cancel an order when we reasonably believe:

• A product is unavailable
• Pricing or product information contains an error
• Payment cannot be verified or authorized
• An order appears fraudulent or unauthorized
• An order is intended for improper resale
• A customer has violated these Terms
• Fulfilling the order would violate a law or legal requirement

If we cancel an order after payment has been collected, we will issue a refund to the original payment method for the canceled portion of the order.

9. Order Limits and Resale

We may limit the quantity of products purchased per customer, household, customer account, payment method, billing address, shipping address, or order.

Unless we provide written authorization, products are offered primarily for personal use and lawful resale. You may not use bots, automated systems, fraudulent accounts, payment manipulation, or other deceptive methods to purchase inventory.

You may not misrepresent yourself as an authorized distributor, representative, employee, partner, or affiliate of Money Over Memories.

10. Payment

Payment must be authorized before an order can be processed or fulfilled.

Available payment methods are displayed during checkout and may be provided through Shopify Payments, Shop Pay, or other third-party payment providers.

You represent that:

• You are authorized to use the payment method submitted
• The billing information you provide is accurate
• Charges incurred through your account or payment method are authorized
• You will pay all amounts associated with an accepted order

We do not directly store complete payment-card numbers. Payment information is processed by Shopify and our applicable payment providers.

If payment is declined, reversed, disputed, or identified as potentially fraudulent, we may delay, suspend, or cancel the order.

11. Taxes

You are responsible for applicable sales, use, customs, import, and other taxes or charges associated with your purchase, except for taxes imposed directly on Money Over Memories.

Taxes collected through checkout are based on the information available at the time of purchase. Additional duties or import charges assessed by a government or carrier may be your responsibility.

12. Shipping and Delivery

Shipping options, estimated processing times, rates, delivery information, and related requirements are described in our Shipping Policy.

Processing and delivery dates are estimates unless we expressly guarantee a specific date in writing.

Delivery may be affected by circumstances outside our reasonable control, including:

• Carrier delays
• Severe weather
• Natural disasters
• Labor disruptions
• Customs inspections
• Incorrect addresses
• Security restrictions
• High order volume
• Other transportation interruptions

Customers are responsible for providing an accurate and complete shipping address.

We are not responsible for delays or delivery problems caused by incorrect, incomplete, or outdated information supplied by the customer.

Customers should contact us promptly regarding a package that arrives damaged, contains an incorrect item, or appears to be missing merchandise.

13. Returns, Exchanges and Refunds

Returns, exchanges, cancellations, and refunds are governed by our Return and Refund Policy, which is incorporated into these Terms.

Customers are responsible for reviewing that policy before making a purchase.

Products may be ineligible for return when identified as:

• Final sale
• Personalized or customized
• Used or worn
• Damaged after delivery
• Missing original components or packaging
• Outside the stated return period
• Otherwise excluded under our published policy

Your statutory consumer rights, where applicable, are not limited by this section.

14. Promotions and Discount Codes

Promotions, giveaways, discount codes, presales, limited releases, and special offers may be subject to additional rules.

Unless otherwise stated:

• Offers cannot be combined
• Discounts have no cash value
• Discounts cannot be applied to previous orders
• Offers may exclude certain products
• Offers may be limited by customer, account, address, or order
• Offers may expire or be modified as stated in the promotion

If promotional terms conflict with these Terms, the terms specifically provided for the promotion will control.

We may cancel or refuse a promotion that is used fraudulently, unlawfully, or contrary to its stated conditions.

15. SMS Marketing

When you voluntarily subscribe to Money Over Memories text-message marketing, you consent to receive recurring marketing and promotional text messages at the telephone number you provide.

Messages may be sent using automated technology where permitted and may include:

• Product releases
• Restock notifications
• Discounts and promotions
• Abandoned-cart reminders
• Brand announcements
• Order-related information
• Other Money Over Memories communications

Consent to receive marketing text messages is not a condition of purchasing a product.

Message frequency may vary. Message and data rates may apply.

You represent that:

• You are the subscriber or authorized user of the telephone number provided
• You have authority to provide consent for that number
• You will notify us if the number changes or is reassigned

You may revoke your consent at any time by replying STOP or using another reasonable opt-out method. Reply HELP for assistance or email MoneyOverMemoriesSupport@gmail.com.

After opting out, you may receive a single non-promotional message confirming your request. Transactional communications may still be sent when permitted and necessary to provide requested services.

Wireless carriers are not responsible for delayed or undelivered messages.

Federal rules allow consumers to revoke consent to covered robotexts through reasonable methods, and current FCC rules recognize replies such as STOP, QUIT, END, REVOKE, OPT OUT, CANCEL, and UNSUBSCRIBE as opt-out requests.

16. Email Communications

When you subscribe to marketing emails, you may receive product announcements, promotions, restock information, and other brand communications.

You can unsubscribe from marketing emails by selecting the unsubscribe link included in the message.

Unsubscribing from marketing does not prevent us from sending non-promotional communications relating to:

• Orders and shipping
• Customer accounts
• Returns or refunds
• Security
• Customer support
• Legal or policy notices

17. Electronic Communications

By using the website, creating an account, or contacting us electronically, you consent to receive communications from us electronically where permitted by law.

Electronic communications may include emails, account notices, order confirmations, policy updates, and other records.

You agree that electronic records and communications may satisfy legal requirements that communications be provided in writing, subject to any rights that cannot be waived.

Florida law generally recognizes electronic records, signatures, and contracts and provides that a contract may not be denied legal effect solely because it was formed electronically.

18. Intellectual Property

The website and its content are owned by or licensed to Money Over Memories LLC and are protected by applicable intellectual-property laws.

Protected content may include:

• The Money Over Memories name
• Logos and brand marks
• Clothing and jewelry designs
• Original artwork
• Graphics and illustrations
• Photographs and videos
• Product images
• Written copy
• Website layouts and visual elements
• Packaging concepts
• Slogans and creative materials

Except as expressly permitted in writing, you may not:

• Copy or reproduce our content
• Sell, license, or commercially exploit our content
• Modify or create derivative works from our designs
• Remove copyright or ownership notices
• Use our logos or brand name to imply an affiliation
• Use our product images to sell unauthorized or counterfeit products
• Scrape, download, or systematically collect website content
• Use our content to train or develop a commercial system without permission

You may view and use the website only for lawful, personal, non-commercial purposes associated with shopping from Money Over Memories.

No ownership rights are transferred to you through your use of the website or purchase of a product.

19. Reviews and User Content

If you submit a review, photograph, comment, message, testimonial, social-media tag, or other content to us, you represent that:

• You created the content or have permission to submit it
• The content is accurate to the best of your knowledge
• The content does not violate another person’s rights
• The content is not unlawful, threatening, defamatory, fraudulent, or deceptive
• The content does not contain malware, spam, or unauthorized advertising

When you intentionally submit content for publication or tag Money Over Memories in content that you authorize us to use, you grant Money Over Memories a non-exclusive, worldwide, royalty-free license to reproduce, display, adapt, and share that content for business, website, social-media, and marketing purposes, subject to applicable law.

We are not required to publish or retain user content and may remove content that violates these Terms.

20. Prohibited Conduct

You may not use the website or services to:

• Violate any law or regulation
• Commit or facilitate fraud
• Submit false account, order, or payment information
• Infringe intellectual-property or privacy rights
• Attempt to gain unauthorized access to the website or another account
• Introduce viruses, malicious code, or harmful technology
• Interfere with the website’s security or operation
• Scrape, crawl, copy, or extract website data without permission
• Use bots to obtain limited-release products
• Impersonate another person or business
• Harass or threaten our employees, contractors, customers, or service providers
• Circumvent purchasing limits or security measures
• Use the website to distribute spam or unauthorized advertising
• Use our products, content, or services for an unlawful purpose

We may restrict or terminate access when we reasonably believe a user has violated this section.

21. Third-Party Services and Links

The website may contain or connect with third-party services, websites, applications, payment providers, social-media platforms, shipping carriers, or other resources.

We do not control and are not responsible for third-party content, availability, security, policies, or practices.

Your use of a third-party service may be governed by separate terms between you and that provider. You should review those terms before using the service.

22. Website Availability

We work to keep the website accurate, secure, and available, but we do not guarantee that it will always be uninterrupted, error-free, or free from harmful components.

We may modify, suspend, or discontinue any part of the website when reasonably necessary, including for:

• Maintenance
• Security
• Technical improvements
• Legal compliance
• Product or business changes

We are not responsible for temporary interruptions caused by events outside our reasonable control.

23. Disclaimer of Warranties

To the fullest extent permitted by law, the website and online services are provided on an “as available” basis.

We do not guarantee that:

• The website will always be available
• Every website error will be corrected immediately
• Website content will always be complete or current
• Every product will remain available
• The website will meet every user’s individual expectations

Any product warranty applies only when it is expressly stated in the product description or otherwise provided in writing.

Nothing in these Terms excludes or limits warranties, guarantees, remedies, or consumer rights that cannot legally be excluded.

24. Limitation of Liability

To the fullest extent permitted by law, Money Over Memories LLC and its owners, officers, employees, contractors, agents, affiliates, and service providers will not be liable for indirect, incidental, special, exemplary, punitive, or consequential damages arising from or related to:

• Your use or inability to use the website
• A delay or interruption
• Unauthorized access beyond our reasonable control
• A third-party website or service
• The use or misuse of a product
• Lost profits, revenue, data, opportunities, or goodwill

To the fullest extent permitted by law, our total liability for a claim relating to a product or order will not exceed the amount you paid to Money Over Memories for the product or order giving rise to the claim.

These limitations do not apply to liability that cannot legally be limited, including liability resulting from intentional misconduct or any other category that applicable law prohibits us from excluding.

Some jurisdictions do not permit certain warranty exclusions or liability limitations. In those jurisdictions, these provisions apply only to the maximum extent permitted.

25. Indemnification

To the extent permitted by law, you agree to indemnify and hold harmless Money Over Memories LLC and its owners, officers, employees, contractors, agents, and affiliates from third-party claims, losses, liabilities, and reasonable expenses resulting from:

• Your unlawful use of the website
• Your violation of these Terms
• Your infringement of another person’s rights
• Fraudulent or unauthorized conduct through your account
• User content you submit

This section does not require you to indemnify us for our own negligence, intentional misconduct, or conduct for which indemnification cannot lawfully be required.

26. Governing Law

These Terms and any dispute arising from them are governed by the laws of the State of Florida, without regard to conflict-of-law principles.

However, this choice of law does not deprive you of mandatory consumer protections that apply under the laws of your place of residence.

27. Venue

Unless applicable law requires otherwise, legal proceedings arising from these Terms or your use of the website must be brought in a state or federal court with jurisdiction in Hillsborough County, Florida.

You and Money Over Memories consent to the personal jurisdiction of those courts, subject to any consumer rights or legal requirements that cannot be waived.

28. Changes to These Terms

We may update these Terms to reflect changes to our products, services, technology, business practices, or legal obligations.

The updated Terms will become effective when posted unless a later effective date is stated.

Changes will not retroactively alter the material terms governing an order that was already accepted, unless required by law or agreed to by both parties.

The “Last Updated” date at the top will show when these Terms were most recently revised.

29. Termination

We may suspend or terminate access to the website or a customer account when we reasonably believe:

• These Terms have been violated
• Fraudulent or unlawful activity has occurred
• Continued access creates a security risk
• Termination is required by law
• The website or relevant service has been discontinued

Sections that logically should continue after termination — including intellectual property, disclaimers, liability limitations, indemnification, governing law, and dispute provisions — will remain effective.

30. Severability

If any provision of these Terms is determined to be invalid, unlawful, or unenforceable, that provision will be enforced to the maximum extent permitted or modified as necessary to make it enforceable.

The remaining provisions will continue in full force.

31. No Waiver

Our failure to enforce a provision of these Terms does not waive our right to enforce that provision or another provision later.

A waiver is effective only when provided in writing by an authorized representative of Money Over Memories.

32. Assignment

You may not assign your rights or obligations under these Terms without our prior written consent.

We may assign these Terms in connection with a merger, acquisition, financing, restructuring, sale of assets, or transfer of our business, subject to applicable law.

33. Entire Agreement

These Terms, together with the policies incorporated into them and any product-specific or promotional terms, form the complete agreement between you and Money Over Memories regarding your use of the website and purchase of products.

If product-specific or promotional terms conflict with these general Terms, the more specific terms will control for that product or promotion.

34. Contact Us

Questions about these Terms may be sent to:

Money Over Memories LLC
Tampa, Florida, United States
Email: MoneyOverMemoriesSupport@gmail.com