MONEY CONVERSATION KIT
PERSONAL-USE LICENSE
Version: 0.6.1

Copyright © 2026 Guided Life Kits. All rights reserved.

PERSONAL-USE PERMISSION

Receiving this kit grants you a limited, non-exclusive, non-transferable license to:

- Use the supplied files for personal use within one household.
- Use the kit with one spouse or partner.
- Print reasonable personal copies of the worksheet.
- Paste the supplied prompt into a compatible AI service for personal conversations.
- Save personal summaries created through that use.

This permission applies to the free public download. An optional tip does not expand this permission.

NOT PERMITTED

You may not:

- Resell, redistribute, publish, sublicense, or upload the supplied files for public access.
- Share the download outside the permitted personal or household use.
- Repackage the prompt, guides, worksheets, or substantially similar copies as another product.
- Use the materials to provide a paid service, course, counseling program, financial service, or commercial product without written permission.
- Remove ownership notices or present the supplied materials as your own.

OWNERSHIP

This license grants permission to use the materials. It does not transfer ownership of Guided Life Kits intellectual property.

THIRD-PARTY SERVICES

No ChatGPT account, AI subscription, financial service, or other third-party product is included. Third-party terms and privacy practices apply when their services are used.

NO PROFESSIONAL RELATIONSHIP

Using the kit does not create a financial adviser, investment adviser, tax adviser, attorney, debt counselor, therapist, mediator, or other professional relationship with Guided Life Kits.

CONSUMER RIGHTS

Mandatory consumer rights vary by location. Nothing in this license excludes rights or remedies that cannot legally be excluded.

OPTIONAL SUPPORT

The kit is provided without charge. Any optional tip is voluntary, does not purchase additional content or support, and does not expand this license.

Legal review status: This license is plain-language business guidance pending review by a qualified attorney.


FULL LEGAL AND SAFETY NOTICE

# Important Legal and Safety Notice

**Effective date:** August 25, 2026

Please read this notice before downloading or using the Money Conversation Kit. This notice supplements the product page, personal-use license, and website terms. Mandatory law and non-waivable consumer rights control if they conflict with this notice.

## 1. What This Product Is

The Money Conversation Kit is a downloadable collection of prompts, instructions, worksheets, and examples. It is an educational organization, reflection, planning, and conversation aid designed to help adults use a third-party AI service to conduct a structured money check-in.

It is not a budgeting application, account aggregator, financial-monitoring service, managed automation service, professional service, or guarantee of any result.

## 2. Not Financial or Professional Advice

This product, its examples, and any AI-generated responses are provided for general educational and personal-use purposes only. They are not financial planning, investment advice, tax advice, legal advice, credit repair, bankruptcy advice, debt counseling, accounting, insurance advice, lending advice, therapy, mediation, diagnosis, treatment, or crisis intervention.

Downloading or using the product does not create a financial-adviser, investment-adviser, accountant-client, attorney-client, therapist-client, fiduciary, pastoral, or other professional relationship with Guided Life Kits or the provider.

Consult an appropriately qualified professional when your circumstances require advice, analysis, diagnosis, representation, or services beyond a general conversation aid.

## 3. No Promised Outcome

Guided Life Kits does not promise or guarantee that this product will improve communication, change spending or saving behavior, reduce debt, resolve a disagreement, prevent financial loss, improve credit, strengthen a relationship, produce an agreement, or create any other financial, personal, or relationship outcome.

Results depend on the participants, their circumstances and information, willingness to participate, decisions made independently of the kit, the way the materials are used, and the quality and limitations of third-party AI output. Examples, product descriptions, and future testimonials illustrate possible uses only and are not promises of similar results.

## 4. Voluntary Participation, Consent, and Autonomy

Conversation prompts are invitations, not requirements. Each participant may decline, skip, change, pause, or stop a question or activity at any time. Do not use this product to pressure another person to participate, disclose information, accept an interpretation, continue an uncomfortable conversation, or approve an agreement.

Do not treat silence, lack of objection, or one person's statement as mutual agreement. An agreement should be clearly and freely accepted by everyone it affects. The kit must not be used to monitor, shame, punish, restrict, retaliate against, or control another person.

## 5. Financial Safety and Crisis Situations

This product is not designed for threats, coercion, surveillance, restricted access to money, suspected financial abuse, unsafe conflict, immediate danger, urgent inability to meet basic needs, threatened loss of housing or utilities, active collections, bankruptcy, debt settlement, credit repair, tax or legal disputes, or separation negotiations.

Do not use the kit to confront, investigate, mediate, or de-escalate a dangerous situation, especially when doing so could increase risk. Stop using it and seek an appropriately qualified professional, local support resource, or emergency service when the situation calls for that help.

Guided Life Kits does not monitor use of the product and cannot provide emergency assistance.

## 6. Artificial Intelligence Limitations

Artificial intelligence systems can produce inaccurate, incomplete, outdated, repetitive, biased, offensive, inappropriate, unsafe, or unexpected content. An AI system may misunderstand context, omit important information, invent facts, misstate an agreement, or express false information confidently.

AI-generated responses have not been individually reviewed or approved by a financial adviser, accountant, attorney, therapist, or other professional. Always review and edit generated content before using, sharing, saving, or acting on it. Never treat AI output as a professional assessment, personalized recommendation, legal document, binding agreement, or authoritative statement about another person.

## 7. Personal Judgment and Responsibility

You are responsible for deciding whether this product, each generated question, and any possible next step are appropriate for your circumstances. Guided Life Kits does not know your finances, obligations, risk tolerance, relationship history, safety, goals, laws, tax situation, or other individual circumstances and cannot evaluate suitability for you.

Verify relevant facts independently. Do not buy, sell, borrow, invest, transfer, withhold, disclose, sign, or otherwise act on financial or legal matters solely because of this product or AI output. To the extent permitted by applicable law, you voluntarily assume the ordinary risks associated with choosing to use the materials and third-party AI output.

## 8. Financial and Personal Information

The kit does not require exact income, balances, debts, transactions, account numbers, documents, or credentials. Use general descriptions, broad ranges, rounded totals, percentages, or conclusions drawn after reviewing exact information privately.

Do not enter passwords, bank or AI credentials, account or routing numbers, card numbers, Social Security or tax identification numbers, tax documents, credit reports, statements, screenshots, transaction histories, medical records, legal documents, or other highly sensitive information into an AI service.

Guided Life Kits does not automatically receive conversations conducted in a customer's third-party AI account. Information entered into an AI service, payment processor, delivery service, cloud service, or other platform is handled under that provider's terms, privacy policy, settings, and data practices.

## 9. Third-Party Services

ChatGPT and any other AI, payment, download, cloud, or productivity services are operated by their respective providers. Accounts, subscriptions, devices, internet access, integrations, and third-party fees are not included.

Features, plans, interfaces, limits, privacy settings, availability, and compatibility may change without notice. Guided Life Kits does not control third-party services and cannot guarantee their continued availability, accuracy, operation, privacy practices, or compatibility.

This product is independently created and is not sponsored by, affiliated with, approved by, or endorsed by OpenAI or another third-party provider. Third-party names and trademarks belong to their respective owners.

## 10. Personal-Use License

Receiving this product grants a limited, non-exclusive, non-transferable license for personal use within one household, subject to the included LICENSE.txt.

You may not resell, redistribute, publish, sublicense, publicly upload, repackage, or commercially exploit the supplied prompts, guides, worksheets, source files, or substantially similar copies.

## 11. No Warranties

To the extent permitted by applicable law, the product is provided "as is" and "as available" without express or implied warranties. Guided Life Kits does not warrant that the product will meet every user's expectations, remain compatible with third-party services, operate without interruption or error, be suitable for a particular purpose, or produce a specific financial, personal, or relationship outcome.

Some jurisdictions do not allow certain warranty exclusions. Nothing in this notice excludes warranties or consumer protections that cannot legally be excluded.

## 12. Limitation of Liability

To the maximum extent permitted by applicable law, Guided Life Kits and the seller are not responsible for indirect, incidental, special, consequential, exemplary, or similar losses arising from or related to use of the product, reliance on AI-generated content, participant interactions, financial decisions, third-party service changes, loss of data, or inability to access a third-party service.

Nothing in this notice limits or excludes liability that cannot lawfully be limited or excluded.

## 13. Free Distribution and Optional Support

The kit is provided without charge. If a download is incomplete or inaccessible, obtain a fresh copy from the official product page or use the support method shown on the Guided Life Kits website.

Visitors may leave a voluntary tip through the support link published by Guided Life Kits. A tip is optional, does not purchase the kit, does not unlock additional content or personalized support, and does not expand the personal-use license. A third-party tip provider handles information or payment details entered on its service under its own terms and privacy practices.

## 14. Consumer Rights and Acknowledgment

Mandatory consumer rights vary by location and cannot always be waived by contract. Nothing in this notice is intended to exclude, restrict, or replace rights or remedies that cannot legally be excluded.

By downloading or using the product, you acknowledge that you have reviewed the product description, compatibility requirements, privacy guidance, professional-care boundaries, and safety limitations and remain responsible for deciding whether and how to use the materials.

**Legal review status:** This notice is plain-language business guidance pending review by a qualified attorney. Additional or different terms may be required in some markets.


## Christian Default and Opt-Out

These kits are designed primarily for Christians and grounded in historic Protestant Reformed theology. Christian faith-based framing is the default. Say "No faith content" or "Leave faith out" at any time to continue without it. If anyone opts out, the AI removes faith content from shared output. Restoring it requires every participant's explicit welcome. Faith must never be used to pressure participation, override consent, or claim divine authority. Christian reflection is not pastoral care or financial advice. Generosity and stewardship are responses to grace, never ways to earn salvation or financial blessing.
