Terms & Conditions

Effective November 10, 2026

These Terms & Conditions explain the rules for using Get Ready’s website, educational resources, newsletter, and digital products. Please read them alongside our Privacy Policy and Financial Education Disclaimer.

These Terms & Conditions (“Terms”) govern your use of tonysteuer.com and websites, newsletters, digital resources, and related services operated by Tony Steuer under the Get Ready name (collectively, the “Services”). By using the Services or purchasing a digital product, you agree to these Terms to the extent permitted by applicable law. If you do not agree, please discontinue use of the affected Services.

Get Ready provides general financial education, practical tools, books, newsletters, podcasts, checklists, guides, and related information. Content is educational and is not individualized financial, legal, tax, insurance, investment, or other professional advice. Financial decisions depend on individual circumstances. You are responsible for evaluating information and obtaining qualified professional guidance where appropriate. See our Financial Education Disclaimer.

Our Services are intended for adults aged 18 and older. Some features, including subscriber preferences and access to purchased products, may require an account or email verification through a service provider. You are responsible for keeping your account information accurate, safeguarding access, and informing us of suspected unauthorized use. We may restrict access where needed to address misuse, protect users, or comply with law.

When you subscribe to the Get Ready newsletter, you agree to receive the communications described at signup, subject to applicable law. You can unsubscribe from marketing emails using the link included in each message. Necessary purchase confirmations, account notices, and other transactional messages may still be sent when appropriate. Newsletter delivery and subscriber account features are provided through Beehiiv.

Get Ready may offer free and paid digital checklists, guides, plans, and other educational products. Product descriptions and prices shown at checkout control the particular offer. Payments are processed by third-party providers, including Stripe, and may be subject to their payment terms. Access and delivery methods vary by product. Any refund, cancellation, subscription-renewal, or access terms specifically disclosed at checkout or in a product offer apply to that transaction, together with any nonwaivable rights under applicable law. We will not apply a refund or renewal condition that was not properly disclosed.

Unless expressly stated otherwise, Get Ready materials and original website content are owned by Tony Steuer or used with permission. We grant you a limited, personal, nonexclusive, nontransferable license to access and use materials you lawfully obtain for your own educational purposes. You may not resell, republish, redistribute, or commercially exploit substantial portions of these materials without prior written authorization, except as permitted by law or the particular product license. Third-party materials remain subject to their owners’ rights. The Get Ready name, graphics, and related marks may not be used in ways that imply sponsorship or endorsement without permission.

If you send comments, questions, testimonials, or other materials, you represent that you have the right to provide them and that they do not infringe another person’s rights. You retain ownership of your original submissions. You grant us a limited license to use submissions only as reasonably necessary to respond, operate the Services, or display materials you deliberately post in a public-facing feature, subject to your privacy rights and applicable law. We will not automatically treat private correspondence as permission to publish it as a testimonial. You may not submit unlawful, threatening, abusive, fraudulent, infringing, or malicious content.

You agree not to misuse the Services, bypass access or security controls, interfere with availability, introduce malicious code, impersonate another person, harvest subscriber information without authorization, send spam, or use content in violation of intellectual-property or privacy laws. We may suspend or restrict misuse and may cooperate with lawful requests where appropriate.

Our content may feature podcast guests, outside resources, linked websites, or services operated by third parties. Their views and materials are their own. A reference, interview, or link is not necessarily an endorsement. Third-party products, payment systems, website features, and platforms may have separate terms and privacy practices. We are not responsible for the independent operation or content of third-party websites, subject to applicable law.

Our Privacy Policy at https://get-ready-newsletter.beehiiv.com/p/privacy-policy explains how personal information is collected, used, and managed, including our use of cookies and similar technologies. It also describes available privacy rights and how to exercise them. Nothing in these Terms or the Privacy Policy waives rights granted by applicable law.

We may update, improve, replace, or discontinue features or resources from time to time. We aim to maintain accurate information and reasonable availability, but content and access may change. For paid purchases, we will honor applicable product-specific commitments and consumer rights. We may correct errors or update descriptions and pricing prospectively.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES AND GENERAL EDUCATIONAL MATERIALS ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. WE DO NOT GUARANTEE PARTICULAR FINANCIAL RESULTS, COMPLETENESS, ACCURACY, OR UNINTERRUPTED ACCESS. NOTHING IN THESE TERMS EXCLUDES WARRANTIES OR OTHER RIGHTS THAT CANNOT LAWFULLY BE EXCLUDED. YOUR USE OF GENERAL EDUCATIONAL CONTENT IS SUBJECT TO YOUR OWN EVALUATION AND JUDGMENT.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, TONY STEUER WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM USE OF THE SERVICES, INCLUDING LOST PROFITS OR DATA, WHERE SUCH EXCLUSIONS ARE LEGALLY PERMITTED. NOTHING HERE LIMITS LIABILITY THAT CANNOT BE LIMITED BY LAW, INCLUDING LIABILITY ARISING FROM FRAUD OR OTHER NONEXCLUDABLE CONDUCT. ANY LIMITATION WILL BE INTERPRETED CONSISTENTLY WITH APPLICABLE CONSUMER-PROTECTION REQUIREMENTS.

These Terms are governed by the laws of the State of California, United States, without regard to conflict-of-laws principles, except where mandatory consumer-protection laws require otherwise. Disputes may be brought in courts having appropriate jurisdiction in Alameda County, California, to the extent permitted by applicable law. These Terms do not require arbitration or waive a right to bring a claim where such a waiver would be invalid.

We may revise these Terms as our Services change. The updated effective date will appear above, and we will provide additional notice when required by law. Updated Terms generally apply prospectively. If a provision is found unenforceable, remaining provisions continue to apply to the extent lawful. A failure to enforce a provision does not permanently waive it. For questions, contact Tony Steuer at [email protected] or through https://tonysteuer.com/contact.