Welcome to the Afford Today community. By using our website, accessing our Member Dashboard, or downloading our resources, you agree to these terms. We have written them in plain English because transparency is at the core of what we do.

1. Our Mission & Services

Afford Today is a financial literacy initiative designed to make event planning and budgeting accessible to everyone. We provide free educational resources, vendor directories, and a Member Dashboard for storing your personal budget templates.

• The "Give Back" Model: We are a commission-based affiliate platform. This means we may earn a referral fee when you purchase products through our links. These commissions directly fund our community grants and keep our tools free for you.

2. Your Member Dashboard & Account

To access certain features, such as saving files or tracking activity, you must create a Member Account.

• Account Security: You are responsible for keeping your login credentials confidential. If you believe your account has been compromised, please contact us immediately.
• File Storage: We provide cloud storage for your personal budget templates and related files. While we use secure, industry-standard databases (like MongoDB), we cannot guarantee that your data will never be lost or corrupted. We recommend keeping backups of your important files on your own device.
• Acceptable Use: You agree not to upload any files that are illegal, contain viruses, or violate the rights of others. We reserve the right to remove any content or suspend accounts that violate this rule.

3. Affiliate Disclosure & Transparency

We believe you deserve to know exactly how we make money.

• Vendor Recommendations: When we review a product or vendor, we chart the pros, cons, and costs to give you an honest picture.
• Affiliate Links: Some links on our site are "affiliate links." If you click one and make a purchase, the vendor pays us a small commission at no extra cost to you.
• Independence: Our reviews are driven by value, not payouts. We do not accept payment to alter our opinions or hide negative details about a product.

4. Liability for Third-Party Vendors

We curate recommendations, but we do not control the vendors.

• No Endorsement: Listing a vendor does not constitute a guarantee of their service. You are responsible for conducting your own due diligence before hiring a vendor or purchasing a product.
• Disputes: Any issue with a product or service purchased through a link on our site must be resolved directly with that vendor. Afford Today is not a party to these transactions and cannot mediate disputes.

5. Intellectual Property

• Our Content: The text, graphics, and logos on Afford Today are our property. You may not copy or republish them without permission.
• Your Content: You retain ownership of the personal files you upload to your Dashboard. You grant us permission to store and display these files solely for your personal use within your account.

6. Changes to These Terms

As our community grows and our tools improve, we may update these terms. We will notify you of significant changes through your Dashboard or via email. Continued use of the site means you accept the updated terms.

7. Contact Us

Questions about these terms or your account? Reach out to us at AFFORDTODAY@GMAIL.COM.