Terms of service.

Effective Date: August 6, 2025

Welcome to Your Mortgage Bud / Your Management Bud / Your Bud Jaz — collectively operated by YMB LLC (“we,” “us,” or “our”). By accessing or using our website, services, or content (including content on platforms like Instagram, TikTok, Facebook, and YouTube), you agree to the terms outlined below. Please review them carefully.

1. Services Offered

We offer educational content, digital resources, and personal support through:

  • Budgeting and financial organization

  • Bookkeeping for small businesses, real estate professionals, and influencers

  • Virtual assistant (VA) and online business management (OBM) services

  • Mortgage education for first-time buyers and the financially curious

  • Content and resources for introverts navigating business, money, and everyday life

All services and content are educational and do not constitute legal, tax, or licensed financial advice.

2. Client Responsibilities

When you engage with us, you agree to:

  • Provide accurate, honest information

  • Communicate respectfully and clearly

  • Use our services ethically and within legal limits

  • Review all deliverables and give timely feedback

3. Payments & Cancellations

  • Payment is due upfront unless otherwise stated

  • All payments are non-refundable unless explicitly agreed upon

  • You may reschedule with at least 24 hours’ notice

  • No-shows or last-minute cancellations may forfeit your session or incur additional fees

4. Content Usage & Ownership

  • All original content (videos, posts, templates, resources) is owned by YMB LLC unless otherwise credited

  • You may share publicly available content for personal use with clear credit to YMB

  • You may not copy, resell, or distribute any deliverables or resources without written permission

5. Disclaimers

  • YMB LLC does not provide licensed legal, financial advising, or tax services

  • All guidance is based on lived experience and professional knowledge

  • Outcomes from working with us depend on your unique circumstances and participation

6. Social Media & Community Guidelines

We’re committed to creating a safe and respectful digital space. By interacting with us on social media, you agree to:

  • Keep conversations respectful and free from spam or hate speech

  • Avoid self-promotion or solicitation in comments and messages

  • Understand we reserve the right to block users or remove content that violates community standards

7. Limitation of Liability

YMB LLC is not liable for any direct or indirect losses that may arise from:

  • Use of our services, templates, or advice

  • Delays or issues in service delivery

  • Reliance on our content for financial or business decisions

8. Updates to These Terms

We may update these Terms of Service at any time. The latest version will always be available on our website. By continuing to use our services, you accept any changes.

9. Contact Us

Have questions or feedback? Email us at hello@gowithymb.com