Terms of Use

Effective September 26, 2026

Educational content only

Everything here is for general education and entertainment. It is not financial, investment, tax, or legal advice, and it is not tailored to your situation. Talk to a licensed professional before making decisions about your money.

Uncle Fred is an AI character

Uncle Fred is an AI-generated character. He is not a real person or a licensed adviser, and his stories are illustrative.

Personal use

The free guide, the workbook, and the emails are licensed for your own personal use. Please don't resell, republish, or redistribute them.

Refunds

Workbook purchases are covered by our Refund Policy.

No guarantees

We make no promise of any financial result. You are responsible for your own decisions and outcomes.

Limitation of liability

To the extent the law allows, Cool Nerds AI LLC is not liable for any loss or damage from using this site or its content. Our total liability for any claim is limited to the amount you paid us.

Governing law

These terms are governed by the laws of the State of Delaware.

Changes

We may update these terms. The current version is always on this page.

Contact

Questions about these terms: [email protected]. Ask Uncle Fred is a trade name of Cool Nerds AI LLC.