Terms of Use
Effective September 9, 2026. Mailing address updated September 15, 2026. Forging Smart Futures (FSF) is operated by Elementum Holdings LLC, 563 W Bay Area Blvd, #213, Webster, Texas 77598, United States. Contact: hello@forgingsmartfutures.com.
Education and your decisions
FSF offers general education about money, work, business, and AI for Work & Real Life. We do not provide individualized financial, investment, tax, legal, accounting, credit-repair, or insurance advice. Examples and tools use assumptions and may not include every factor that affects your situation. We do not guarantee income, investment returns, savings, credit improvement, business results, or AI accuracy. Check important facts and consult a qualified professional when needed.
Annual membership and automatic renewal
FSF Annual Membership is for US residents age 18 or older. The price is $39 USD, plus applicable tax, charged at checkout and automatically every year until you cancel. The checkout displays applicable tax before payment. There is no free trial. Your membership begins after successful payment. Enrollment may remain closed while launch testing is completed; viewing these terms does not create a subscription.
Membership provides access during the membership period to the released interactive planning tools and expanded topic workbooks listed in the resource library. The launch collection includes ten interactive tools and eleven expanded workbooks across the eleven topic clusters, including AI for Work & Real Life. Future articles, tools, features, and release dates are not guaranteed. Membership does not include personal coaching, professional advice, bank connections, a mobile app, or cloud storage of your plans.
Cancel future renewals
Sign in to My account, select Cancel beside your membership, and confirm cancellation. Cancel before the next renewal charge to stop future billing. Keep the cancellation confirmation. Cancellation normally leaves access available through the end of the period already paid for. If you cannot sign in or complete cancellation, email hello@forgingsmartfutures.com for help. We do not charge a cancellation fee.
14-day refund policy
You may request a full refund within 14 calendar days of your initial membership charge or an annual renewal charge. Email hello@forgingsmartfutures.com from your account email address and include the order number if available. Do not send card or bank details. A full refund includes the tax collected for that charge, ends member access, and stops future renewals. Refunds are returned through the original payment method; your payment provider controls when the credit appears. After the 14-day window, cancellation stops future renewals without a prorated refund for unused time, except where applicable law requires otherwise. This policy does not limit any rights you have under applicable law.
Payments and account access
Stripe processes membership payments. Keep your contact and payment information current. If a renewal fails, the payment provider may retry the payment and send notices. Access may end if payment remains unpaid and the subscription is canceled. A paid membership is for your own use; keep your password private and do not share account access. Contact us about an incorrect charge or access problem so we can investigate.
Using and saving resources
You may use the resources for your own household, work, or business planning and print or save the outputs where the tool offers those functions. You may keep your own saved plans and completed printouts after membership ends, but online member access ends with the membership. Do not resell, republish, distribute the underlying paid resources, share your account, or represent FSF material as your own. These permissions do not transfer ownership of FSF content, branding, graphics, or software.
Calculator entries are processed in your browser. Unsaved entries may be lost when you close or reload the page. Local files are not encrypted by FSF. Protect your files, printouts, devices, and calendars. Calendar imports may create duplicates when repeated; review imported dates and reminders. FSF does not pay bills, move money, or monitor whether a payment was made. See our Privacy Policy.
Third parties and changes
External websites and services have their own terms, prices, privacy practices, and availability. An external link is not a guarantee of their products or services. We may update these terms and will display the revised effective date. We will notify affected members before a material change to their recurring price or subscription terms takes effect. You can cancel future renewals if you do not wish to continue. The terms applicable to an already completed purchase remain available in our records.