Terms & Conditions

Last Updated: August 29, 2026

Welcome to Stitch & Cent.

These Terms & Conditions explain the rules for using this website. By visiting or using Stitch & Cent, you agree to these terms.

If you do not agree with these terms, please do not use the website.

I have written these terms in plain language because you should not need a law degree to understand the rules.

1. About Stitch & Cent

Stitch & Cent is a personal website that shares information, ideas, experiences, recipes, resources, and other content about topics that may include:

Personal finance and budgeting
Saving money and managing debt
Lifestyle
Recipes and food
Health and wellness
Weight loss and personal experiences
Life in your 40s
ADHD and everyday life
Organization and planning
Side hustles and online business
Products, services, and resources that may be useful to readers

The content on this website is based on personal experience, research, and information believed to be useful at the time it is published.

2. Information Is for General Purposes

The information on Stitch & Cent is provided for general informational and educational purposes.

It is not a substitute for professional advice.

For example:

Health: Information about food, nutrition, weight loss, supplements, exercise, medications, or other health topics is not medical advice. Talk with your doctor or another qualified healthcare professional before making changes to your health care.

Money: Information about budgeting, debt, saving, investing, income, or other financial topics is not financial, investment, tax, or legal advice. Your financial situation is different from everyone else’s, so consider getting advice from a qualified professional when appropriate.

Legal: Nothing on this website is legal advice. If you have a legal issue, speak with a qualified attorney.

You are responsible for deciding what information is appropriate for your own situation.

3. Your Use of This Website

You are welcome to read, share, and enjoy the content on Stitch & Cent for your personal, non-commercial use.

You may not:

Copy large portions of the website and publish them somewhere else.
Reproduce or sell my content without permission.
Claim that my content is your own.
Use my content to create another website, product, or publication without permission.
Scrape or automatically collect large amounts of content from the website.
Use the website for anything illegal or harmful.
Attempt to interfere with the website’s operation or security.

You may share links to Stitch & Cent and quote small portions of content as long as you give appropriate credit and link back to the original page.

4. Intellectual Property

Unless otherwise stated, the content on Stitch & Cent belongs to Stitch & Cent or is used with permission.

This includes things such as:

Written articles
Original recipes
Graphics
Photographs
Logos
Website design
Downloadable materials
Printables
Digital products
Original worksheets and planners

You may not reproduce, modify, distribute, sell, or republish this material without written permission.

If you would like to use something from Stitch & Cent, please contact me first.

5. Comments and User Content

If Stitch & Cent allows comments, reviews, submissions, or other content from readers, you are responsible for what you post.

Please do not post content that:

Is illegal.
Threatens or harasses another person.
Contains hate speech.
Contains someone else’s private or personal information.
Pretends to be someone else.
Contains spam or malicious software.
Violates someone else’s copyright or other rights.
Is intentionally false or misleading.

You keep ownership of original content that you submit.

However, by submitting content to Stitch & Cent, you give Stitch & Cent permission to display and use that content on the website and in connection with the website.

You should only submit content that you have the right to share.

Honest Reviews

You are allowed to share your honest opinion about Stitch & Cent, its products, services, or content.

Nothing in these Terms is intended to prevent you from leaving an honest review or sharing an honest opinion.

Stitch & Cent does not require you to leave a positive review in exchange for a product, service, discount, or other benefit.

6. Affiliate Links and Advertising

Some pages on Stitch & Cent may contain affiliate links.

If you click an affiliate link and make a purchase, Stitch & Cent may receive a commission at no additional cost to you.

Stitch & Cent may also display advertisements or publish sponsored content.

Any material relationship that could affect how a recommendation is viewed will be disclosed.

For more information, please read the Disclosure Policy.

7. Products and Recommendations

I may recommend products, services, books, websites, apps, or other resources.

I try to share things that I believe may be useful, but I cannot guarantee that a particular product or service will work for you.

Prices, availability, features, ingredients, policies, and other information can change.

Before purchasing something, check the seller’s or manufacturer’s website for the most current information.

If you purchase something from another company, your transaction is with that company, not Stitch & Cent.

8. Third-Party Websites and Services

Stitch & Cent may contain links to websites operated by other companies or individuals.

These websites are not controlled by Stitch & Cent.

I am not responsible for:

Their content
Their privacy practices
Their security
Their products or services
Their prices
Their policies
Their actions or mistakes

When you leave Stitch & Cent and visit another website, that website’s own terms and privacy policy apply.

Please review those policies before providing personal information or making a purchase.

9. No Guarantees

I do my best to provide useful and accurate information, but I cannot guarantee that everything on Stitch & Cent will always be:

Complete
Current
Error-free
Accurate
Suitable for your particular situation

Information can become outdated, especially when it involves prices, laws, products, technology, financial information, or other changing subjects.

You use the information on this website at your own discretion.

10. Personal Results Are Not Guaranteed

Stitch & Cent may share personal experiences involving things such as:

Weight loss
Budgeting
Paying off debt
Saving money
Recipes
Lifestyle changes
Organization
Side hustles
Business ideas
Products and services

These are personal experiences.

Your results may be different.

A personal story or example should not be understood as a promise that you will achieve the same result.

11. Health and Wellness Disclaimer

Some Stitch & Cent content may discuss health, nutrition, weight loss, exercise, medications, supplements, surgery, or other wellness topics.

This information is for general education and is not medical advice.

Do not use information from this website to diagnose, treat, cure, or prevent a medical condition.

Do not stop, start, or change medication or medical treatment based solely on something you read on Stitch & Cent.

Talk with your doctor, pharmacist, dietitian, or another qualified healthcare professional about your individual situation.

If you believe you are experiencing a medical emergency, seek emergency medical care.

12. Financial Disclaimer

Some Stitch & Cent content may discuss money, budgeting, debt, credit, saving, spending, income, or other financial topics.

This information is for general educational purposes and is not personalized financial, investment, tax, or legal advice.

I cannot know your complete financial situation from a blog post.

Before making a major financial decision, consider talking with a qualified financial, tax, or legal professional.

13. Digital Products

If Stitch & Cent offers digital products such as planners, printables, templates, guides, or other downloadable materials, additional terms may apply to those products.

Unless otherwise stated, digital products are licensed to you for personal use.

You may not:

Resell them.
Give them away as your own.
Upload them to another website.
Repackage them for sale.
Claim them as your own work.
Use them to create competing products.

If a particular product has different usage or refund terms, those terms will be provided on the product’s sales page.

14. Purchases and Payments

If Stitch & Cent sells products or services in the future, prices and purchase terms will be displayed at the time of purchase.

You agree to provide accurate information when making a purchase.

Third-party payment processors may process payments on behalf of Stitch & Cent.

Stitch & Cent does not store your complete credit or debit card information unless specifically stated otherwise.

Additional terms may apply to individual purchases.

15. Refunds and Cancellations

Refund and cancellation policies may vary depending on the product or service purchased.

If a specific product or sales page includes a refund policy, that policy will apply to that purchase.

Nothing in these Terms is intended to take away any rights you have under applicable consumer protection laws.

16. Website Availability

I will do my best to keep Stitch & Cent available, but I cannot promise that the website will always work perfectly.

The website may occasionally be unavailable because of:

Maintenance
Technical problems
Hosting issues
Internet problems
Security issues
Circumstances outside my control

I am not responsible for losses caused by temporary website interruptions.

17. Limitation of Liability

To the extent allowed by law, Stitch & Cent and its owner will not be responsible for losses or damages resulting from your use of, or inability to use, this website or information provided through it.

This includes situations where you rely on information from the website and experience a loss, expense, injury, or other problem.

This section does not attempt to remove rights or protections that cannot legally be excluded.

18. Your Responsibility

You are responsible for how you use information from Stitch & Cent.

You agree to use the website legally and responsibly.

If you use information from this website to make a health, financial, legal, purchasing, business, or other decision, you are responsible for that decision.

19. Changes to These Terms

I may update these Terms & Conditions from time to time.

When changes are made, the updated version will be posted on this page and the “Last Updated” date will be changed.

Your continued use of Stitch & Cent after changes are posted means that you accept the updated Terms.

20. Governing Law

These Terms & Conditions are governed by the laws that apply to Stitch & Cent and its owner, without regard to conflict-of-law rules.

Any legal dispute will be handled in a court with proper jurisdiction.

Nothing in these Terms prevents you from exercising consumer rights that cannot legally be waived.

21. Severability

If a court determines that one part of these Terms is not enforceable, the remaining parts will continue to apply to the extent permitted by law.

22. Entire Agreement

These Terms, together with the Stitch & Cent Privacy Policy, Disclosure Policy, and any other policies specifically referenced on this website, make up the general rules for using Stitch & Cent.

If a specific product or service has additional terms, those terms may also apply to that purchase.

23. Contact

If you have questions about these Terms & Conditions, please contact Stitch & Cent through the contact information provided on this website.

Thank you for visiting Stitch & Cent.

I want this website to be a helpful, honest, and useful place for real people. These terms are here to protect both you and Stitch & Cent while keeping things as simple and straightforward as possible.