1. Acceptance of Terms
By accessing or using the Kids and Capital website (kidsandcapital.com) and any related services, you agree to be bound by these Terms & Conditions. If you do not agree with any part of these terms, please do not use our services.
2. Description of Service
Kids and Capital provides a digital product — the Family Emergency Binder. This is a done-for-you system where you complete a questionnaire and receive a professionally formatted PDF document containing the information you provide.
The Family Emergency Binder is an organizational tool designed to help families compile important information in one place. It is not legal advice, financial advice, medical advice, or a substitute for any professional service. See our Disclaimer for more details.
3. Pricing and Payments
The core Family Emergency Binder product is available for $37 (USD). Optional add-ons may be available at additional cost and will be clearly priced before purchase.
All payments are processed securely through Stripe. By making a purchase, you agree to Stripe's terms of service in addition to these terms. Prices are subject to change, but any price change will not affect orders already completed.
4. Refund Policy
We offer a 60-day money-back guarantee on all purchases. If you are not satisfied with your Family Emergency Binder for any reason, contact us at support@kidsandcapital.com within 60 days of your purchase date, and we will issue a full refund.
Please include your email address and order details when requesting a refund.
5. User Accounts and Data
To use our service, you may need to provide personal information including your email address and responses to our questionnaire. You are responsible for maintaining the accuracy of the information you provide and for keeping your account credentials secure.
For details on how we handle your data, please see our Privacy Policy.
6. Intellectual Property
All content on the Kids and Capital website — including text, graphics, templates, designs, and the binder format — is the property of Kids and Capital and is protected by applicable intellectual property laws.
When you purchase a Family Emergency Binder, you receive a personal, non-transferable license to use your completed binder for your own private, household use. You may not resell, redistribute, or commercially exploit the binder template or design.
7. Limitation of Liability
To the fullest extent permitted by law, Kids and Capital shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services, including but not limited to loss of data, loss of profits, or any damages resulting from reliance on information provided through our service.
Our total liability for any claim arising from these terms or your use of our services shall not exceed the amount you paid for the product.
8. Disclaimers
The Family Emergency Binder is not a legal document. It is not a will, trust, power of attorney, estate plan, or any form of legally binding instrument. It does not replace or substitute for the advice of licensed attorneys, financial advisors, medical professionals, or other qualified professionals.
The service is provided "as is" and "as available" without warranties of any kind, whether express or implied. We do not guarantee that the service will be uninterrupted, error-free, or that it will meet your specific requirements.
For full details, see our Disclaimer page.
9. Modifications to Terms
We reserve the right to update or modify these Terms & Conditions at any time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of the service after any changes constitutes acceptance of the revised terms.
10. Governing Law
These Terms & Conditions shall be governed by and construed in accordance with applicable federal and state laws. Any disputes arising from these terms or your use of our services shall be resolved in accordance with those laws.
11. Contact Us
If you have any questions about these Terms & Conditions, please contact us at: