Legal & Policies

Calm Couple Budget System™ — Transparency you can trust.

Privacy Policy Terms of Service Refund Policy Disclaimer

🔒 Privacy Policy

Last updated: February 16, 2026

The Calm Couple ("we," "us," or "our") operates thecalmcouple.com. This Privacy Policy explains how we collect, use, and protect your personal information when you visit our website or purchase our products.

Information We Collect

When you make a purchase or interact with our site, we may collect:

  • Personal information: Name, email address, billing address, and payment details (processed securely through Shopify Payments — we never store your full card number).
  • Usage data: Pages visited, time on site, browser type, device information, and referring URLs — collected through cookies and analytics tools.
  • Communication data: Any information you provide when contacting us via email or forms.

How We Use Your Information

  • To process and deliver your purchase (digital product access and download links).
  • To send transactional emails (order confirmation, delivery instructions).
  • To send marketing communications if you've opted in — you can unsubscribe at any time.
  • To improve our website, products, and customer experience.
  • To comply with legal obligations.

Third-Party Services

We use trusted third-party services to operate our business:

  • Shopify: E-commerce platform and payment processing.
  • Google Analytics: Website usage analytics.
  • Email service provider: Marketing and transactional emails.
  • FileMonk: Digital product delivery.

These services have their own privacy policies. We do not sell, rent, or share your personal information with third parties for their own marketing purposes.

Cookies

Our site uses cookies to enhance your experience, remember your preferences, and analyze site traffic. You can disable cookies through your browser settings, though some site features may not function properly.

Data Retention

We retain your personal information for as long as necessary to fulfill orders, provide customer support, and comply with legal obligations. You can request deletion of your data at any time by contacting us.

Your Rights

You have the right to access, correct, or delete your personal data. To exercise these rights, contact us at hello@thecalmcouple.com.

Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated date. Continued use of our site constitutes acceptance of any changes.

📋 Terms of Service

Last updated: February 16, 2026

By accessing or purchasing from thecalmcouple.com, you agree to be bound by these Terms of Service. Please read them carefully before making a purchase.

Products & Delivery

All products sold on this site are digital downloads. Upon completed payment, you will receive instant access to your purchased products via email and/or our digital delivery system. No physical products will be shipped.

License & Usage

  • Your purchase grants you a personal, non-transferable license to use the digital products for your own household.
  • You may not resell, redistribute, share publicly, or claim ownership of any materials.
  • Google Sheets templates may be copied to your personal Google Drive for your use. You may not distribute the copy link to others.
  • PDF guides and resources are for personal use only.

Intellectual Property

All content, designs, templates, guides, scripts, and branding associated with the Calm Couple Budget System™ are the intellectual property of The Calm Couple. Unauthorized reproduction or distribution is prohibited and may result in legal action.

Account & Access

You are responsible for maintaining the security of your email and any account credentials. We are not liable for unauthorized access resulting from your failure to protect your login information.

Modifications

We reserve the right to update these Terms at any time. Changes take effect immediately upon posting. Your continued use of the site constitutes acceptance of updated Terms.

Governing Law

These Terms are governed by applicable laws. Any disputes shall be resolved through good-faith negotiation before pursuing formal legal action.

🛡️ Refund Policy

Last updated: February 16, 2026

We stand behind the Calm Couple Budget System with layered guarantees designed to make your purchase risk-free.

Our philosophy: We only win when you win. If the system doesn't work for you, we don't deserve your money.

The Found Money Guarantee (All Tiers)

Use the Reclaim Hunt within 7 days of purchase. If you don't find at least $200 in hidden savings, send us your completed checklist at hello@thecalmcouple.com and we'll refund triple your purchase price.

Entry Tier ($47)

7-day money-back guarantee. If you're not satisfied for any reason, contact us within 7 days of purchase for a full refund. No questions asked.

Core Tier ($97)

30-day Peace Guarantee. Complete 4 Money Dates using the system. If you don't notice less conflict around money, contact us within 30 days for a full refund. Keep all the bonuses (Partner Resistance Scripts, Emergency Fund Sprint, and AI Budget Review) as our thank-you for giving the system an honest try.

Premium Tier ($197)

Marriage Insurance Guarantee. Complete the program and attend 4+ group calls. If you're not in a fundamentally better financial position as a couple, we'll issue a full refund plus $100 for your time. Keep all tools and bonuses regardless.

How to Request a Refund

  • Email hello@thecalmcouple.com with your order number and the reason for your request.
  • Refunds are processed within 5–7 business days to your original payment method.
  • For the Found Money Guarantee (triple refund), please attach your completed Reclaim Hunt checklist.

Non-Refundable Circumstances

Refund requests made after the guarantee period has expired may be reviewed on a case-by-case basis but are not guaranteed. We reserve the right to deny refunds where there is evidence of abuse (e.g., downloading all materials and requesting an immediate refund).

⚠️ Disclaimer

Last updated: February 16, 2026

General Information Only

The Calm Couple Budget System™ provides educational tools and resources for personal budgeting and couples financial communication. Our products are not a substitute for professional financial advice, tax guidance, investment recommendations, or licensed couples therapy.

No Financial Advice

Nothing on this website or within our products constitutes professional financial advice. All budgeting strategies, savings estimates, and financial frameworks are for educational and informational purposes only. You should consult a qualified financial professional before making significant financial decisions.

Results Disclaimer

Testimonials, case studies, and savings figures referenced on this site are based on self-reported customer outcomes. Individual results vary based on financial situation, commitment, and implementation. We do not guarantee any specific financial results, savings amounts, or relationship outcomes.

References to "$100–$500 in savings" reflect commonly reported ranges from customers who completed the Reclaim Hunt exercise. Your results may be higher, lower, or different.

Relationship Disclaimer

Our communication scripts, Money Date Protocol, and conversation guides are designed to help couples discuss finances constructively. They are not therapy and should not be used as a replacement for licensed couples counseling, especially in situations involving abuse, addiction, or severe relationship distress. If you or your partner are in crisis, please seek professional help.

Affiliate & Testimonial Disclosure

Some testimonials may come from customers who received the product at a discounted rate or through promotional partnerships. All testimonials reflect the genuine experiences of real customers, though names may be changed for privacy. If we partner with affiliates or influencers in the future, this will be disclosed appropriately.

External Links

Our site may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of external sites.

Have Questions?

We're here to help — reach out anytime.

Contact Us

Or email us directly at hello@thecalmcouple.com