MILLENNIALS WITH MONEY

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Terms and Conditions

Thank you for your interest in these Terms and Conditions (the “Terms”). These Terms constitute a legal agreement between you and Millennials With Money OÜ governing the use of our website.

  1. ABOUT US
    • 1.1) We are Millennials With Money OÜ of Tornimäe 3, 10145 Tallinn, Estonia (“Millennials With Money”, “we”, “us”, or “our”).
    • 1.2) We operate www.millennialswithmoney.com (our “website”).
    • 1.3) To contact us, please use our Contact Form.
    • 1.4) These Terms were last updated on Sunday, 12th of November, 2023, and are the current and valid version.
    • 1.5) The following additional terms apply to your use of our Services and form part of these Terms:
      • 1.5.1) Our Privacy Policy;
      • 1.5.2) Our Cookie Policy;
  1. GENERAL
    • 2.1) By using this website you are deemed to accept the following terms and conditions (“this website” means the whole or any part of the web pages located at www.millennialswithmoney.com, and include the layout of this website; individual elements of this website’s design; underlying code elements of the website; or text, sounds, graphics, animated elements or any other content of this website) operated by Millennials With Money.
    • 2.2) As you browse through this website you may access other websites that are subject to different terms and conditions. When using these other sites, you will be bound by the terms and conditions posted on those websites.
    • 2.3) Millennials With Money may change these terms and conditions at any time without notice. Any amendment will be effective immediately. Your use of this website after any amendment constitutes an agreement by you to comply with and be bound by the amended terms and conditions. Accordingly, you should read these terms and conditions from time to time for changes.
  1. USER RIGHTS AND INTELLECTUAL PROPERTY RIGHTS
    • 3.1) This website is our copyright property. All rights are reserved.
    • 3.2) You are provided with access to it only for your personal and non-commercial use. Other than for these permitted purposes, and for the purposes of and subject to the conditions prescribed under statutes that apply in your location, you may not, in any form or by any means:
      • 3.2.1) adapt, reproduce, store, distribute, transmit, print, display, perform, publish or create derivative works from any part of this website; or
      • 3.2.2) commercialize any information, products or services obtained from any part of this website;
      • 3.2.3) without our written permission.
    • 3.3) All rights in this website and the content on this website including copyright, design rights, source codes and any other intellectual property rights in any of the foregoing are reserved to Millennials With Money and/or their content and technology providers.
    • 3.4) All trade names, service marks and other product and service names and logos displayed on the website are proprietary to their respective owners and are protected by applicable copyright laws.
    • 3.5) Nothing contained on the website should be construed as granting any license or right of use of any other person’s or entity’s intellectual property which is displayed on this website without their express permission.
    • 3.6) You may not remove, change or obscure the Millennials With Money logo or any notices of proprietary rights on any content of this website.
  1. LINKS
    • 4.1) This website may contain links to other websites solely for your convenience only and may not remain current or be maintained. Millennials With Money does not endorse, recommend or approve of any information, products or services referred to on such linked sites and assumes no responsibility for the contents of any other website to which this website offers links.
    • 4.2) You may not link the homepage or any other parts of this website without prior written consent from Millennials With Money.
    • 4.3) Your use of any link to a linked website is entirely at your own risk.
    • 4.4) Unless stated otherwise on this website, Millennials With Money has:
    • 4.5) no relationship with the owners or operators of those linked website; and
    • 4.6) no control over or rights in those linked websites.
  1. BLOG
    • 5.1) Our blog and its contents have been compiled with the greatest possible care. However, we do not accept any liability or guarantee for the topicality, correctness and completeness of the information provided on our blog.
    • 5.2) Liability claims against us, our directors, officers, employees, agents,, which refer to material or non-material damages, which have been caused by the use or non-use of the information provided or by the use of incorrect and incomplete information, are fundamentally excluded, provided that there is no demonstrable intentional or grossly negligent fault on our part.
    • 5.3) We expressly reserve the right to change, supplement or delete parts of the pages or the entire blog without separate announcement or to discontinue the publication temporarily or permanently.
    • 5.4) All data is published conscientiously but without guarantee.
    • 5.5) Errors in the content will be corrected immediately upon being brought to our attention. All rights, including those of reprinting extracts, photomechanical reproduction and translation, are reserved and require our written consent. Unauthorized use, even of extracts, will be prosecuted.
  1. AFFILIATE DISCLOSURE
    • 6.1) We are a participant in Affiliate Programs. An affiliate advertising program is designed to provide a means for website operators to earn advertising fees by advertising and linking.
    • 6.2) Our website may contain affiliate marketing links, which means we may get paid commission on sales of those products or services we write about. You will never be charged a fee through one of our affiliate links. You may get a discounted rate of the relevant affiliate services and we will make a small commission.
    • 6.3) Our editorial content is not influenced by advertisers or affiliate partnerships.
    • 6.4) The information provided within our website is accurate and true to the best of our knowledge; but it is possible that there may be omissions, errors, or mistakes.
    • 6.5) Relying on the information provided is at your own risk.
  1. ASSUMPTION OF RISK
    • 7.1) Our website is provided for informational purposes only. You acknowledge and agree that any information posted on our website is not intended to be legal advice or financial advice, and no fiduciary relationship has been created between you and us.
    • 7.2) We do not assume responsibility or liability for any advice or other information given on the website.
  1. TERMS OF SALE
    • 8.1) OUR PRODUCTS
      • 8.1.1) The images of the Products on our website are for illustrative purposes only. Although we have made every effort to display the colors and details accurately, we cannot guarantee that your computer’s display of the colors and details accurately reflect the Products.
      • 8.1.2) Your Products may vary slightly from those images.
      • 8.1.3) All Products shown on our website are subject to availability. We will inform you by email as soon as possible if the Product you have ordered is not available and we will not process your Order if made.
    • 8.2) ELIGIBILITY
      • 8.2.1) You may only purchase Products from our website if you are at least 18 years old.
      • 8.2.2) We intend to rely upon these Terms in relation to the Contract between you and us.
      • 8.2.3) We only accept responsibility for our statements and representations on our website and not for any statements made by third parties.
      • 8.2.4) Nothing in these Terms affects your statutory rights. Those rights include your right to receive products which match their description, are of satisfactory quality and are reasonably fit for purpose.
    • 8.3) HOW THE CONTRACT IS FORMED
      • 8.3.1) The Contract is subject to these Terms to the exclusion of all other terms and conditions (including any terms and conditions you purport to apply in any Contract).
      • 8.3.2) A Contract shall not be effective until we have issued written acknowledgement and acceptance of such Contract (notwithstanding any earlier confirmation of receipt).
      • 8.3.3) We may in our sole discretion decline any order placed by you.
      • 8.3.4) No change or modification of the Contract shall be allowed after acceptance by us unless accepted in writing by us.
      • 8.3.5) If there is any conflict between the prices indicated online and our acknowledgement of the Contract, then the latter shall take precedence.
    • 8.4) PRODUCTS DESCRIPTIONS AND PRICES
      • 8.4.1) We do our best to ensure that the information about our products is accurate and up to date. However, we do not guarantee that there will be no errors in the description and/or pricing of the Products, or that Products will always be available if you wish to place an Order to purchase them.
      • 8.4.2) We reserve the right to modify the information about Products displayed on our Site, including as regards prices, description and availability. However, such changes will not affect Orders for which you have already received an Order Receipt email.
      • 8.4.3) The price of a Product includes VAT or equivalent local sales tax where applicable at the applicable current rate. However, if the rate of VAT or local sales tax changes between the date of your Order and the date of delivery, we will adjust the VAT or local sales tax you pay, unless you have already paid for the Products in full before the change in VAT or local sales tax takes effect.
      • 8.4.4) The price of a Product does not include delivery charges. Our delivery charges are as quoted on our website from time to time. To check relevant delivery charges, please refer to our checkout page.
    • 8.5) WHEN ORDERS ARE NOT ACCEPTED
      • 8.5.1) While we do our best to always accept Orders, we could however refuse an Order in certain cases, for example if: you provide us with incomplete, incorrect or fraudulent information regarding your identity, age, payment details, billing information, shipping address; we discover that there was an error on our website relating to the Products you ordered, for example as regards the price or description displayed the Products you ordered are unfortunately out of stock or no longer available; We have reasonable grounds to believe that you intend to resell the Products.
      • 8.5.2) If we cannot accept your Order we will contact you by email as soon as possible but in any case no later than 30 days from the date of your Order.
      • 8.5.3) If we cannot accept your Order because the Products are no longer available, or because of an error in the price and/or other information on our Site, we will refund you any money you may have already been charged for such Products.
    • 8.6) CANCELLATION OF ORDERS
      • 8.6.1) We reserve the right to cancel, at any time before delivery and for whatever reason, an Order that it has previously accepted. We may do this for example, but without limitation, where:
        • 8.6.1.1) an event beyond our control, such as storm, fire, flood or failure of computer systems, means that we are unable to supply the Products within a reasonable time;
        • 8.6.1.2) Products ordered were subject to an error on the website, for example, in relation to a description, price or image, which was not discovered prior to the Order being accepted;
        • 8.6.1.3) you ask us to cancel your Order.
      • 8.6.2) You may cancel your Order where we have breached a material term of this Agreement; or were are not able to deliver your Order within a reasonable time of the estimated delivery time, other than a result of any delay:
        • 8.6.2.1) for which you are wholly or partly responsible such as a failure to provide the correct delivery address or to pay for the Products; or
        • 8.6.2.2) which was outside our control.
      • 8.6.3) Where we cancel your Order after acceptance it will send you an email notifying you of cancellation.
      • 8.6.4) In the event we or you are canceling your Order after payment has been processed, we will refund any money paid in respect of that Order, typically within 14 days.
      • 8.6.5) Except to the extent otherwise required by law or as expressly set out in these terms and conditions, we will not be liable to you, or any other person, for any loss, damage, cost or expense suffered as a direct or indirect result of cancellation of your Order, whether in contract, negligence or any other tort, equity, restitution, strict liability, under statute or otherwise at all.
    • 8.7) RIGHT TO CANCEL
      • 8.7.1) Under the EU`s Consumer Rights Directive, you have a cooling off period of 14 “working days” during which you are entitled to cancel your purchase if, for any reason, you decide you no longer want the item from the date the contract is concluded (i.e., the date we send our Order Confirmation email).
      • 8.7.2) You can return your items within 14 days, and it must be returned as new and in its original packaging in a re-sellable condition, complete and as purchased, accompanied by a valid proof of purchase, and returned to us within 14 days of purchase. You will need to repackage the goods in the original packaging and send them to us. To initiate a return please simply contact us.
    • 8.8) AVAILABILITY OF PRODUCTS
      • 8.8.1) You acknowledge and agree that, from time to time, certain Products may be out of stock or unavailable.
      • 8.8.2) We reserve the right to withdraw or suspend from sale any Products displayed on the website, either temporarily or permanently, at any time without notice to you. Except to the extent otherwise required by law, we will not be liable to you, or any other person, for any loss, damage, cost or expense suffered as a direct or indirect result of the unavailability of any Products at any time, whether in contract, negligence or any other tort, equity, restitution, strict liability, under statute or otherwise at all.
    • 8.9) PASSING OF RISK AND TITLE
      • 8.9.1) The risk in the Product shall pass to you on delivery. The full legal, beneficial and equitable title to the Product shall remain vested in us (even though they have been delivered and risk has passed to you) until we give written notice to you to pass legal and beneficial ownership of the Product to you or, if earlier:
        • 8.9.1.1) payment in full, in cash or cleared funds, for all the Product has been received by us; and
        • 8.9.1.2) all other money payable by you to us or under the Contract or any other contract or order has been received by us.
      • 8.9.2) Our rights and remedies set forth herein are in addition to and shall not in any way prejudice, limit or restrict any of our other rights or remedies under the Contract or in law or equity. We shall be entitled to maintain an action against you for the price of the Product notwithstanding that legal, equitable and beneficial title to and property in the Product has not passed to you.
    • 8.10) DELIVERY
      • 8.10.1) We aim to fulfill your Order by the estimated delivery date set out in the Dispatch Confirmation, unless there is an Event Outside Our Control.
      • 8.10.2) In any event we will deliver the Products within 30 days of your Order.
      • 8.10.3) Delivery will be completed when we deliver the Products to the address you gave us.
      • 8.10.4) In the event that we incur extra delivery or storage charges because no one is available at your address to take delivery, you will be expected to pay for such charges.
      • 8.10.5) The Products will be your responsibility from the completion of delivery.
      • 8.10.6) For the avoidance of doubt, you own the Products once we have received payment in full, including all applicable delivery charges.
      • 8.10.7) If you order Products from our website for delivery to a destination outside Germany, your Order may be subject to import duties and taxes which are applied when the delivery reaches that destination. Please note that we have no control over these charges and we cannot predict their amount.
      • 8.10.8) You will be responsible for payment of any such import duties and taxes. Please contact your local customs office for further information before placing your Order.
      • 8.10.9) You must comply with all applicable laws and regulations of the country for which the Products are destined. We will not be liable or responsible if you break any such law.
    • 8.11) OUR RIGHT TO VARY THESE TERMS
      • 8.11.1) We reserve the right to revise these Terms at any time.
      • 8.11.2) Revisions will only be made when necessary to comply with a change in relevant laws or regulatory requirements, or to facilitate a change in business process or procedure.
      • 8.11.3) Every time you order Products from us, the Terms in force at that time will apply to the Contract between you and us.
      • 8.11.4) Whenever we revise these Terms, we will keep you informed and give you notice of this by stating that these Terms have been amended and amending the relevant date at the top of this page.
    • 8.12) OUR LIABILITY TO YOU
      • 8.12.1) If we fail to comply with these Terms, we are responsible for the loss or damage you suffer that is a foreseeable result of our breach of these Terms or our negligence, but we are not responsible for any loss or damage that is not foreseeable. Loss or damage is foreseeable if they were an obvious consequence of our breach or if they were contemplated by you and us at the time we entered into the Contract.
      • 8.12.2) We only supply the Products for domestic and private use. You agree not to use the product for any commercial, business or resale purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
      • 8.12.3) We do not in any way exclude or limit our liability for:
        • 8.12.3.1) death or personal injury caused by our negligence;
        • 8.12.3.2) any breach of the terms to title and quiet possession;
        • 8.12.3.3) any breach of the terms to satisfactory quality, fitness for purpose and description; and
        • 8.12.3.4) defective products.
  1. PRIVACY
    • 9.1) These terms and conditions incorporate, and should be read together with, the Millennials With Money Privacy Policy and Cookie Policy. Millennials With Money will use only the personal data which you submit to us via the website in accordance with our Privacy Policy.
    • 9.2) Our Cookie Policy describes how this website may collect, store and use cookies.
  1. PROHIBITED USES
    • 10.1) You may use our website only for lawful purposes. You may not use our website:
      • 10.1.1) in any way that breaches any applicable local or international laws or regulations;
      • 10.1.2) in any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect;
      • 10.1.3) to send, knowingly receive, upload, download, use or re-use any material which does not comply with our content standards as set out in our prevailing terms and conditions as amended from time to time; and
      • 10.1.4) to knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware.
    • 10.2) You also agree:
      • 10.2.1) not to reproduce, duplicate, copy or re-sell any part of our website in contravention of the provisions of our Terms; and
      • 10.2.2) not to access without authority, interfere with, damage or disrupt:
      • 10.2.3) any part of our website;
      • 10.2.4) any equipment or network on which our website is stored;
      • 10.2.5) any software used in the provision of our website; or
      • 10.2.6) any equipment or network or software owned or used by any third party.
  1. LIMITATION OF LIABILITY
    • 11.1) We are not liable for the completeness, accuracy or correctness of any information uploaded on our website and any Related Content. You expressly agree that your use of the Services and our website is at your sole risk.
    • 11.2) You agree not to use the Services, our website and the Related Content for any resale purposes, and we have no liability to you, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, arising under or in connection with these terms and conditions (including but not limited to the use of, or inability to use, the Services, our website or any other website or software) for: loss of profits, sales, business, or revenue; business interruption; loss of anticipated savings; loss or corruption of data or information; loss of business opportunity, goodwill or reputation; or any other indirect or consequential loss or damage.
    • 11.3) Nothing in these terms and conditions shall limit or exclude our liability for: death or personal injury resulting from our negligence; fraud; and/or any other matter in respect of which we are prohibited under applicable law from limiting or excluding our liability.
    • 11.4) These terms set out the full extent of our obligations and liabilities in respect of the supply of the Services and our website. Except as expressly stated in these terms, there are no conditions, warranties, representations, or other terms, express or implied, that are binding on us. Any condition, warranty, representation, or other term concerning the supply of the Services and our website which might otherwise be implied into, or incorporated in, these terms whether by statute, common law or otherwise, is excluded to the fullest extent permitted by law.
  1. OTHER IMPORTANT TERMS
    • 12.1) We may transfer our rights and obligations under these terms and conditions to another organization, but this will not affect your rights or obligations under these terms and conditions.
    • 12.2) You may only transfer your rights or your obligations under these terms and conditions to another person if we agree in writing.
    • 12.3) No joint venture, partnership or agency or employment relationship has arisen by reason of these terms and conditions.
    • 12.4) These Terms and any document expressly referred to in it constitutes the entire agreement between us regarding their subject matter, and supersedes and extinguishes all previous agreements, promises, assurances, warranties, representations and understandings between us, whether written or oral, relating to that subject matter. You agree that you shall have no remedies in respect of any statement, representation, assurance or warranty (whether made innocently or negligently) that is not set out in these terms and conditions or any document expressly referred to in it. You agree that you shall have no claim for innocent or negligent misrepresentation or negligent misstatement based on any statement in these terms and conditions or any document expressly referred to in it.
    • 12.5) If we fail to insist that you perform any of your obligations under these terms and conditions, or if we do not enforce our rights against you, or if we delay in doing so, that will not mean that we have waived our rights against you and will not mean that you do not have to comply with those obligations. If we waive a default by you, we will only do so in writing, and that will not mean that we will automatically waive any later default by you.
    • 12.6) Each of the conditions of these terms and conditions operates separately. If any court or competent authority decides that any of them are unlawful or unenforceable, the remaining conditions will remain in full force and effect.
    • 12.7) These Terms, its subject matter and its formation, and any other disputes or claims in connection therewith, are governed by the laws of Estonia. In the event of any such disputes or claims in connection with these terms and conditions, you agree to first engage in good faith discussions with us to resolve such disputes or claims. If such dispute or claim is not resolved within sixty (60) days, we both irrevocably submit to the exclusive jurisdiction of the courts of Estonia.