Legal

Terms of Use

Last updated: September 28, 2026

Lucro (“Lucro”, “our”, “we” or “us”) helps people take control of their financial future by making money easier to understand and manage. We operate our website (https://wwwlucro.net, and any linked webpages operated by an affiliate of Lucro, our “Site”) to provide you with curated lesson plans, access to knowledge and tools to aid in financial literacy, the opportunity to build confidence to make smarter financial decisions, and the ability to contact us directly. By accessing and using the Site, you agree to these Website Terms of Use (the “Terms”) and to the Lucro Privacy Policy.

Please read these Terms carefully. If you do not agree with these Terms and our Privacy Policy, then you must not access or use the Site.

We may revise and update these Terms from time to time in our sole discretion, without prior notice to you. All changes are effective immediately upon posting to the Site. Your continued use of the Site following the posting of revised Terms means that you accept and agree to the changes. The version of these Terms that is posted on our Site on the date of your visit shall be the version that is applicable to your access and use of the Site on that date.

Financial Education Disclaimer; No Professional Advice

WE OPERATE LUCRO AND MAKE AVAILABLE LESSONS, CALCULATORS, TOOLS, TEMPLATES, EXAMPLES, COURSES, AND OTHER CONTENT CONCERNING PERSONAL FINANCE, INVESTING, BUDGETING, BUSINESS, TAXES, ACCOUNTING, OR RELATED SUBJECTS, SOLELY FOR GENERAL EDUCATIONAL AND INFORMATIONAL PURPOSES. THE CONTENT ON LUCRO IS NOT INTENDED TO BE, AND SHALL NOT BE CONSTRUED, UNDERSTOOD, OR TAKEN AS PROFESSIONAL ADVICE, INDIVIDUALIZED ADVICE, OR A RECOMMENDATION THAT ANY USER BUY, SELL, HOLD, BORROW, LEND, SAVE, INVEST, TRADE, INSURE, BUDGET, FILE, STRUCTURE, OR OTHERWISE ACT OR REFRAIN FROM ACTING IN ANY PARTICULAR MANNER.

LUCRO IS NOT ACTING AS, AND DOES NOT HOLD ITSELF OUT AS, A LICENSED ACCOUNTANT, CERTIFIED PUBLIC ACCOUNTANT, FINANCIAL PLANNER, FINANCIAL ADVISOR, INVESTMENT ADVISER, TAX ADVISER, ATTORNEY, BROKER-DEALER, INSURANCE PRODUCER, FIDUCIARY, OR OTHER LICENSED OR REGULATED PROFESSIONAL. NO USE OF LUCRO, NO ACCESS TO OR RECEIPT OF ANY CONTENT, AND NO COMMUNICATION WITH LUCRO OR ITS PERSONNEL CREATES ANY ACCOUNTANT-CLIENT, ADVISER-CLIENT, ATTORNEY-CLIENT, BROKER-CLIENT, FIDUCIARY, AGENCY, OR OTHER PROFESSIONAL RELATIONSHIP.

LUCRO DOES NOT KNOW EACH INDIVIDUALIZED USER’S FINANCIAL SITUATION, CONDITION, OBJECTIVES, RISK TOLERANCE, TAX STATUS, INVESTMENT TIME HORIZON, LEGAL CIRCUMSTANCES, OR OTHER FACTS MATERIAL TO FINANCIAL, INVESTMENT, ACCOUNTING, TAX, OR LEGAL DECISIONS. USERS ARE SOLELY RESPONSIBLE FOR EVALUATING WHETHER ANY CONTENT IS SUITABLE FOR THEIR OWN CIRCUMSTANCES AND SHOULD CONSULT QUALIFIED PROFESSIONALS IN EACH USER’S JURISDICTION BEFORE MAKING FINANCIAL, INVESTMENT, ACCOUNTING, TAX, LEGAL, OR OTHER DECISIONS.

LUCRO’S CALCULATORS, PROJECTIONS, SIMULATIONS, AND PLANNING TOOLS ARE INTENDED FOR EDUCATIONAL PURPOSES ONLY. CALCULATOR OUTPUTS ARE ESTIMATES ONLY, MAY RELY ON ASSUMPTIONS YOU PROVIDED, MAY DIFFER FROM ACTUAL OUTCOMES, AND SHOULD NOT BE RELIED UPON AS GUARANTEES OR PREDICTIONS. WE MAKE NO REPRESENTATIONS OR WARRANTIES REGARDING THE ACCURACY, COMPLETENESS, OR RELIABILITY OF ANY CALCULATION, PROJECTION, OR ESTIMATE.

LUCRO DOES NOT GUARANTEE ANY RESULT, OUTCOME, RETURN, SAVINGS, TAX TREATMENT, INVESTMENT PERFORMANCE, BUSINESS RESULT, CREDIT RESULT, OR FINANCIAL IMPROVEMENT BASED ON YOUR ACCESS TO OR USE OF THE SITE OR ANY CONTENT POSTED THEREON OR AVAILABLE THERETHROUGH. FINANCIAL DECISIONS INVOLVE RISK, INCLUDING POSSIBLE LOSS OF PRINCIPAL, MARKET VOLATILITY, LIQUIDITY RISK, TAX CONSEQUENCES, FEES, PENALTIES, AND OTHER LOSSES. PAST PERFORMANCE, EXAMPLES, TESTIMONIALS, OR HYPOTHETICAL RESULTS DO NOT GUARANTEE OR PREDICT FUTURE RESULTS.

Your Representations and Warranties

By using the Site, you represent and warrant that: (i) you have carefully reviewed and agree to these Terms and the Privacy Policy; (ii) you intend such agreement to be legally binding and enforceable; (iii) any information you submit to Lucro through the Site will be true, accurate, current, and complete; (iv) you are at least 18 years of age; (v) you will not acquire any ownership interest in the Site, or any component thereof, by accessing or using it; (vi) you will not use the Site for any illegal or unauthorized purpose (including without limitation, any purpose prohibited under these Terms); and (vii) you are using the Site solely for general educational purposes, and not as a means of obtaining financial, tax, or legal advice.

No Unlawful or Prohibited Use

By accessing the Site, you agree that you will not (and will not facilitate, permit or otherwise enable a third party to):

  • Use the Site in violation of these Terms;
  • Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights of others through the Site or in connection with their use of the Site;
  • Upload or transmit any message, information, data, text, software, images, or other content that is unlawful, immoral, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, or otherwise objectionable, or that may invade another’s right of privacy or publicity;
  • Circumvent, disable, or otherwise interfere with security-related features of the Site;
  • Use or launch any automated system, including without limitation, any robots, spiders, or offline readers, that accesses the Site in a manner that sends more request messages to the servers hosting the Site in a given period of time than a human can reasonably produce in the same period by using a conventional on-line web browser;
  • Upload or transmit any software, application, program, or file that modifies, impairs, disrupts, alters, or interferes with the use, features, functions, operations, or maintenance of the Site;
  • Decipher, decompile, disassemble, or reverse engineer any part of the Site, or any tool or feature available through the Site;
  • Upload or transmit any unsolicited advertising, promotional materials, junk mail, spam, or any other form of solicitation, commercial or otherwise;
  • Violate any applicable local, state, national, or international law;
  • Download, duplicate, reproduce, or distribute any material available on or through the Site without the express permission of the owner thereof;
  • Delete or revise any material posted by any other person or entity;
  • Use the Site in any manner that damages, disables, overburdens, or impairs any part of the Site or interferes with any other party’s use and enjoyment of the Site;
  • Harvest or otherwise collect information about others, including e-mail or IP addresses;
  • Use any robot, scraper, or other automated means to access the Site or copy any materials on the Site;
  • Make improper use of our customer support services or submit false reports of abuse or misconduct;
  • Harass, intimidate, or threaten any of our employees or representatives through or in connection with your use of the Site; or
  • Utilize Site content as a substitute for or otherwise in lieu of the advice of a registered investment adviser, licensed attorney, or certified accountant.

We reserve the right, but not the obligation, to: (i) monitor the Site for violations of these Terms; (ii) take appropriate legal action against anyone who, in our sole discretion, violates the law or these Terms, including without limitation, reporting such user to law enforcement or any other governmental authority; (iii) in our sole discretion and without limitation, refuse, restrict, limit the availability of, or disable (to the extent technologically feasible) your access to the Site or any portion thereof; and (iv) otherwise manage the Site in a manner designed to protect our rights and property and to facilitate the security, integrity, and availability of the Site.

Permitted Uses

Lucro grants you a personal, revocable, limited, non-exclusive, non-transferable license to access and use the Site conditioned on your continued acceptance and compliance with these Terms and our Privacy Policy. You may download material from the Site only for your own personal, non-commercial use. You may not otherwise copy, reproduce, retransmit, distribute, publish, commercially exploit, or transfer any material from the Site without our express written permission. We reserve all rights not expressly granted to you in and to the Site and all Lucro Content (as that term is defined below) posted on or available through the Site, including but not limited to, the right to bar, restrict or suspend any visitor’s access to our Site and/or terminate this license at any time.

Lucro does not intentionally target visitors located outside of the United States through our Site. Website visitors from outside the United States should be aware that your personal information may be incidentally collected when you interact with the Site. Because we are not intentionally collecting your data, our collection and use of such personal information may not comply with the laws applicable to your home jurisdiction. You should discontinue your use of the Site if you wish to avoid any incidental collection of your personal information.

User Accounts

By creating an account, you agree that you are responsible for maintaining the confidentiality of your credentials, restricting access to your account, and all activities occurring under your account. You agree not to share credentials, enable others to access the Site using your account, allow others to use your account, attempt to circumvent the authentication measures, or use another person’s account without authorization. LUCRO RETAINS THE RIGHT TO REVOKE, SUSPEND, OR OTHERWISE TERMINATE ANY ACCOUNTS THAT ARE FOUND TO BE IN VIOLATION OF THESE TERMS.

Lucro utilizes both passwords and Beta Access Keys (“Keys” and “Key”) to access the content available on the Site. It is your sole responsibility to: (1) control the dissemination and use of your login information and passwords; (2) authorize, monitor, and control access to and use of your Lucro account, password, and Key; and (3) promptly notify Lucro if your account, password, or Key has been compromised or if there is any other reason you need to change your password or deactivate your account. To contact us, please send an email to [email protected]. You can delete the account tied to your sign-in from your profile.

Beta Access

Certain portions of the Services may be available only through beta access. Access may require an invitation, a waitlist registration, a unique access key or token, and additional measures taken to allow access to the Site. We reserve the right to approve or deny access requests, suspend beta access, modify beta eligibility requirements, revoke access keys at any time and for any reason, and terminate beta access or testing without prior notice to you. Beta features may contain errors, interruptions, bugs, or incomplete functionality and are provided solely on an “AS IS” basis, subject to all such errors, defects, or flaws.

Proprietary Content

Lucro has expended substantial time, effort, and resources to create the Site and provide the information, features, materials, products, artwork, images, text, audio and video material, tools, and services that are available on or through the Site, as well as the design, structure, functionality, arrangement, look and feel of any materials contained in or available through the Site (collectively, the “Lucro Content”). All Lucro Content posted on or available through the Site is owned or licensed by us, and is protected by trademark laws and other intellectual property rights and unfair competition laws of the United States, foreign jurisdictions, and international conventions. Our posting of Lucro Content to the Site does not constitute a waiver of any proprietary or intellectual property right in the Lucro Content or the Site and does not transfer any right to a visitor to the Site or any third party, except as expressly provided for herein. Any use of the Site not expressly permitted by these Terms is a breach of these Terms and may violate trademark and other laws.

Submissions

You acknowledge and agree that any questions, comments, suggestions, ideas, feedback, or other information submitted to or through the Site (“Submissions”) provided by you are non-confidential and shall become our sole property. We shall own exclusive rights, including intellectual property rights, in all Submissions, and shall be entitled to the unrestricted use and dissemination of such Submissions for any lawful purpose, commercial or otherwise, without notice, acknowledgment, or compensation to you. You hereby waive all moral rights in any Submission you may make, and you hereby represent and warrant that any such Submission(s) are original with you or that you have the right to make such Submission(s). You agree to indemnify, defend, and hold LUCRO and its associates, employees, agents, and representatives harmless for any alleged or actual infringement or misappropriation of any proprietary right in your Submissions.

Third Party Websites and Content

The Site may contain links to other websites (“Third-Party Websites”) as well as articles, photographs, text, graphics, pictures, designs, music, sound, video, information, applications, software, and other content or material belonging to or originating from third parties (“Third Party Content”). Third-Party Websites and Third-Party Content are not investigated, monitored, or checked for accuracy, appropriateness, or completeness by Lucro, and we are not responsible for any Third-Party Website accessed through the Site or any Third-Party Content posted on, available through, or installed from the Site. Links to Third-Party Websites are provided solely for your convenience and if you use those links, you will depart the Site and be subject to the terms of use and privacy policies of those third parties.

WE DO NOT WARRANT, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD-PARTY THROUGH THE SITE, ANY HYPERLINKED WEBSITE, OR ANY WEBSITE OR MOBILE APPLICATION FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND WE WILL NOT BE A PARTY TO OR IN ANY WAY RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND THE OWNER OR OPERATOR OF ANY THIRD-PARTY WEBSITE OR THIRD-PARTY CONTENT.

Changes to the Site and Lucro Content

We reserve the right to modify or discontinue all or part of the Site and any Lucro Content available on or through the Site. We will not be liable to you or any third-party for any modification, suspension, or discontinuance of the Site or the Lucro Content. Nothing in these Terms will be construed so as to obligate us to (a) maintain and support the Site or any component, feature, or functionality thereof, or (b) maintain, update, or provide any or all Lucro Content available on or through the Site.

Correction of Errors and Inaccuracies

The Site and any Lucro Content available on or through the Site may contain typographical errors or inaccuracies and may not be complete or current. We therefore reserve the right to correct any errors, inaccuracies, or omissions and to change or update the Site and any Lucro Content at any time without prior notice. We do not, however, represent or warrant that any errors, inaccuracies, or omissions will be corrected, nor do we undertake any obligation to do so.

Disclaimer

You understand that we cannot and do not guarantee or warrant that files available for downloading from the Site or any Third-Party Website will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection.

TO THE FULLEST EXTENT PROVIDED BY LAW, we will not be liable for any loss or damage caused by a distributed denial-of-service attack or other technologically harmful material that may infect your computer equipment, computer programs, data, or other proprietary material due to your use of the Site or any services or items obtained through the site or a third-party website or your downloading of any material posted on the site, or any website linked to it. LUCRO DOES NOT REPRESENT, WARRANT, OR COVENANT THAT THE SITE OR ANY MATERIALS, CONTENT, PRODUCTS, OR SERVICES AVAILABLE ON OR THROUGH THE SITE ARE OR WILL BE ACCURATE, CURRENT, COMPLETE, FREE OF TECHNICAL AND TYPOGRAPHICAL ERRORS, RELIABLE, OR APPROPRIATE FOR ANY PARTICULAR USE TO WHICH YOU OR ANY THIRD PARTY MAY CHOOSE TO PUT THEM, THAT THEY ARE OR WILL BE AVAILABLE ON AN UNINTERRUPTED AND ERROR-FREE BASIS, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE AND THE LUCRO CONTENT AVAILABLE ON OR THROUGH THE SITE ARE FREE OF VIRUSES OR OTHER DISABLING DEVICES OR HARMFUL COMPONENTS.

THE SITE IS PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOUR USE OF THE SITE AND ANY LUCRO CONTENT AVAILABLE ON OR THROUGH THE SITE WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SITE AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. NO STATEMENT OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED FROM LUCRO IN ANY MEANS OR FASHION SHALL CREATE ANY WARRANTY NOT EXPRESSLY AND EXPLICITLY SET FORTH IN THESE TERMS.

WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, LUCRO EXPRESSLY DISCLAIMS ANY REPRESENTATION OR WARRANTY THAT THE LUCRO CONTENT CONSTITUTES FINANCIAL, LEGAL, OR TAX ADVICE. THE LUCRO CONTENT IS PROVIDED FOR GENERAL EDUCATION AND INFORMATIONAL PURPOSES ONLY. IT IS NOT INTENDED AS A SUBSTITUTE FOR PROFESSIONAL ADVICE AND DOES NOT TAKE INTO ACCOUNT YOUR SPECIFIC SITUATION OR FINANCIAL CONDITION. THE INFORMATION CONTAINED ON OUR SITE IS NOT COMPREHENSIVE AND DOES NOT INCLUDE (OR PURPORT TO INCLUDE) ALL THE INFORMATION THAT MAY BE RELEVANT TO YOUR SITUATION. OUR SITE, AND THE CONTENT AVAILABLE THEREON, IS INTENDED TO SERVE SOLELY AS AN EDUCATIONAL RESOURCE.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL LUCRO, ITS AFFILIATES, SERVICE PROVIDERS, LICENSORS OR SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, PUNITIVE, SPECIAL OR INCIDENTAL DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, WHETHER FORESEEABLE OR UNFORESEEABLE, ARISING OUT OF OR RELATING TO THESE TERMS, YOUR USE OR INABILITY TO USE THE SITE, YOUR COMMUNICATION OF INFORMATION THROUGH THE SITE, OR YOUR RELIANCE UPON INFORMATION OBTAINED FROM OR THROUGH THE SITE, WHETHER BASED IN CONTRACT, TORT, STATUTORY, OR OTHER LAW, EXCEPT IN THE CASE OF DEATH OR PERSONAL INJURY WHERE AND ONLY TO THE EXTENT THAT APPLICABLE LAW REQUIRES SUCH LIABILITY.

WITHOUT LIMITING ANY OF THE FOREGOING, IF LUCRO, ITS AFFILIATES, SERVICE PROVIDERS, LICENSORS OR SUPPLIERS IS FOUND LIABLE TO YOU OR TO ANY THIRD PARTY AS A RESULT OF ANY CLAIMS OR OTHER MATTERS ARISING UNDER OR IN CONNECTION WITH THESE TERMS, THE PRIVACY POLICY, THE SITE, THE LUCRO CONTENT, OR YOUR USE OF THE SITE OR THE LUCRO CONTENT, OUR CUMULATIVE, AGGREGATE, AND MAXIMUM LIABILITY FOR ALL SUCH CLAIMS AND OTHER MATTERS IN ANY CALENDAR YEAR SHALL BE LIMITED TO ONE HUNDRED DOLLARS (USD $100.00).

THE LAW OF YOUR JURISDICTION MAY NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF SUCH A LAW APPLIES TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.

ANY LEGAL ACTION BROUGHT BY YOU THAT ARISES OUT OF OR RELATES TO THESE TERMS OR YOUR ACCESS TO AND USE OF THE SITE OR ANY LUCRO CONTENT AVAILABLE ON OR THROUGH THE SITE MUST BE COMMENCED WITHIN THREE (3) MONTHS AFTER THE CAUSE OF ACTION ARISES.

Indemnification

You agree to defend, indemnify, and hold Lucro harmless, including our principals, officers, agents, and representatives, from and against any loss, damage, liability, claim or demand, including reasonable attorneys’ fees and expenses, made by any third party related to or arising out of: (i) your use of the Site; (ii) your breach of these Terms; (iii) any third party use of the Site or breach of these Terms, to the extent such third party was encouraged, facilitated, or aided by you in any way (including through the use of your device, whether authorized or not); (iv) any breach of your representations and warranties set forth in these Terms; (v) your violation of the rights of any third party, including but not limited to, any intellectual property or privacy rights; (vi) any harm to another user of the Site caused or facilitated by you or a device associated with you, whether intentional or not; and (vii) any use of the Lucro Content in lieu or as substitute for professional financial, tax, or legal advice. Notwithstanding the foregoing, we reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defense of such claims.

Governing Law

You hereby consent and irrevocably submit to the exclusive jurisdiction of the state and federal courts sitting in Gallatin County, Montana for resolution of any matters related to the interpretation, construction, or enforcement of these Terms, the Privacy Policy referenced herein, or otherwise related to or arising out of your access to and use of the Site and any Lucro Content available on or through the Site. You hereby consent to, and waive, all defenses of lack of personal jurisdiction and forum non conveniens with respect to venue and jurisdiction in such state and federal courts.

General Provisions

These Terms, the Privacy Policy, and any policies or operating rules posted by us concerning the Site constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Terms shall not operate as a waiver of such right or provision.

These Terms shall be binding and enforceable to the full extent of the law. If any term or provision of these Terms, or the application thereof to any person or circumstances, shall to any extent be invalid or unenforceable, the remainder of these Terms, or the application of such provision to persons or circumstances other than those as to which it is invalid or unenforceable, shall not be affected thereby, and each provision or term hereof shall be valid and shall be enforceable to the maximum extent permitted by law. You agree that these Terms will not be construed against us by virtue of having drafted them.

There is no joint venture, partnership, employment, or agency relationship created between you and us as a result of these Terms or your use of the Site. We may assign any or all of our rights and obligations to others at any time.

You hereby waive any and all defenses you may have based on the electronic form of these Terms and the lack of signature by all parties hereto.

How You Can Contact Us

To resolve a complaint regarding the Site or to receive further information regarding the use of the Site, please contact us at [email protected].