Terms of Service

Last updated: November 5, 2026

1. Who we are and what these terms cover

These Terms of Service ("Terms") are an agreement between you and Be Free University, LLC ("Be Free University," "BFU," "we," "us" or "our"), PO Box 64007, Gary, Indiana 46401, United States. They apply to befreeuniversity.com, the Be Free University mobile app, our courses, tools, community (Free Nation), AI assistants, live and recorded events, emails and text messages, and anything else we offer (together, the "Services").

By creating an account, buying a membership, checking the "I agree" box, or using the Services, you agree to these Terms, our Privacy Policy, our Refund and Cancellation Policy, our Disclaimer and our Cookie Policy. If you do not agree, please do not use the Services.

2. Who can use the Services

You must be at least 18 years old and able to enter a binding contract. The Services are meant for people in the United States. You agree to give us accurate information and keep it up to date.

3. Your account

Keep your password private and do not share your account. You are responsible for what happens under your account. Tell us right away at [email protected] if you think someone else has used it. One membership is for one person; spouses and family members need their own accounts unless we offer a household plan.

4. Education only, not professional advice

Everything in the Services (courses, workbooks, live sessions, the Freedom Calculator, Zero Debt Accelerator, Spending Tracker, Financial Freedom Statements, Freedom Score, Credit Rocket, Easy Estates, Lisa and other AI assistants, community posts and anything said by George M. Howard Jr. ("Financial Moses"), our staff or guests) is for general education. It is not financial, investment, tax, accounting, credit or legal advice, and it is not tailored to your full situation.

Be Free University is not a law firm, an accounting firm, a registered investment adviser, a broker-dealer, an insurance agency, a credit counseling agency or a credit repair organization. Using the Services does not create an attorney-client, adviser-client, fiduciary or other professional relationship. You are responsible for your own decisions. Before acting on anything you learn, talk with a qualified professional who knows your situation. Read our full Disclaimer.

5. Credit Rocket is a do-it-yourself tool

Credit Rocket is software and education that helps you understand your credit reports and prepare your own dispute letters. When you use it:

• You do the work. You decide which items to dispute. You review, edit, sign and mail (or send) each letter yourself. Be Free University does not contact credit bureaus, creditors or collectors for you, does not send letters on your behalf, and does not act as your agent or representative.
• We are not a credit repair organization. We do not sell, provide or perform any service for the purpose of improving your credit record, history or rating, and we do not promise that any item will be removed or that your score will change. Results depend on the facts in your reports and on decisions made by the bureaus and creditors.
• Dispute only what you believe is inaccurate. Federal law lets you dispute information you believe is inaccurate or incomplete. Do not dispute information you know is accurate, and do not make false statements to a credit bureau or creditor.
• You can do this for free. You have the right to dispute inaccurate information directly with Equifax, Experian and TransUnion at no cost, and to get free copies of your credit reports at AnnualCreditReport.com.
• Credit reports you connect. If you connect SmartCredit or upload a report, you authorize us to read it so the tool can build your plan and letters. Your relationship with SmartCredit (ConsumerDirect) is governed by its own terms.

6. Easy Estates provides self-help forms

Easy Estates helps you fill in estate-planning forms (such as wills, trusts, powers of attorney and health care directives) based on your answers. We are not attorneys, we do not give legal advice, and we do not review your answers or your documents for legal sufficiency. Laws, witness requirements and notarization rules differ from state to state and change over time, and a document that is not signed and witnessed correctly may not be valid. Have every document reviewed by an attorney licensed in your state before you sign it. You are responsible for choosing the right documents and for signing, witnessing, notarizing, storing and updating them.

7. Money tools, bank connections and estimates

The Freedom Calculator, Zero Debt Accelerator, Spending Tracker, Financial Freedom Statements and Freedom Score show estimates and projections based on the numbers you enter or connect. They can be wrong, they assume things that may not happen, and they are not a guarantee of any result. If you connect a bank or card through Plaid, you authorize Plaid and us to access read-only account information as described in our Privacy Policy. Plaid's services are governed by Plaid's own terms and privacy policy. We cannot move money and we do not receive your bank sign-in details.

8. Lisa and other AI features

Lisa (our AI community assistant), our AI phone line and other AI features generate answers automatically. They can be wrong, incomplete or out of date, and they are not a person, a professional or a substitute for one. Do not rely on them for financial, legal, tax, medical or emergency decisions. Do not share Social Security numbers, full account numbers or passwords with them. If you are in crisis or thinking about harming yourself, call or text 988 (Suicide and Crisis Lifeline). In an emergency, call 911.

9. Results and testimonials

Stories, testimonials and examples on our site, in our ads and in our community are real experiences of individual people. They are not typical and they are not a promise or prediction of your results. Your results depend on your own situation, effort and many factors outside our control. Many members will see smaller results, and some will see none.

10. Memberships, billing and automatic renewal

• Plans and price. The plan, price and billing period (monthly or annual) are shown before you buy. Taxes may apply.
• Automatic renewal. Your membership renews automatically at the end of each billing period, and we charge the payment method on file at the then-current price for your plan, until you cancel. We will tell you before any price change takes effect for your plan.
• Founding rate. If you joined at a founding rate, you keep that rate as long as your membership stays active. If you cancel and come back within 90 days after your access ends, the founding rate is restored. After that, the current price applies.
• Course access. Some course material unlocks over time based on how many months you have paid, as described on the enrollment page.
• Failed payments. If a payment fails, we may retry it and your access may pause until the payment succeeds or you update your payment method.
• Renewal reminders. About 7 days before each renewal, monthly or annual, we email the address on your account a reminder with the renewal date and amount.
• Cancelling and refunds. You can cancel anytime in My Account, or by contacting us. When you cancel, you are not charged again and you keep access until the end of the billing period you already paid for. Refunds are covered by our Refund and Cancellation Policy, which is part of these Terms.
• How charges appear. Charges appear on your statement as "BE FREE UNIVERSITY" or a similar name shown on your receipt. Every charge is followed by an email receipt.

10A. Instant digital access, records, and payment disputes

• Delivery. Your membership is a digital service. It is delivered the moment your payment goes through: your account is activated, and you can sign in to the courses, tools, community and app right away. Physical bonuses, if any, are shipped separately as described at purchase.
• Your agreement at checkout. Before you pay, you check a box agreeing to these Terms, the Refund and Cancellation Policy and automatic renewal. We record that agreement with the date, time, IP address and the version of these Terms.
• Records of use. We keep records of account activity, such as sign-ins, devices and IP addresses, lessons started and completed, tools used, community activity and emails sent to you. We may share these records, along with your agreement and receipts, with our payment processor and your card issuer to respond to a payment dispute.
• Contact us first. If you do not recognize a charge or think it is wrong, contact [email protected] or 530.4BE.FREE (530-423-3733) before you contact your bank. Most problems are fixed within one business day, and refunds that qualify under our Refund and Cancellation Policy are issued promptly. A chargeback is not a request for a refund or a cancellation under our policies.
• While a dispute is open. If a payment is disputed, we may pause the account until the dispute is resolved. If a dispute is filed for a charge that was authorized and delivered as described, or for a charge we already refunded, we may close the account. Where the law allows, you remain responsible for the amount owed.
• Nothing in this section limits any right you have under law or with your bank or card issuer.

11. Bonuses, physical items and promotions

Bonuses (such as a signed book, Book Club seats or live sessions) are offered as described at the time of purchase, while supplies last, and may be limited to U.S. addresses. Bonuses have no cash value. We may change or end future promotions at any time without affecting bonuses you already earned.

12. Community rules

Free Nation and our other community spaces work because members respect each other. You agree not to post or send anything that is unlawful, harassing, hateful, threatening, sexually explicit, deceptive or invasive of someone's privacy; that infringes someone else's rights; that is spam, a chain letter or an unapproved advertisement; or that contains malware. Do not impersonate anyone, collect other members' information, or solicit minors. Some community accounts are AI and are labeled as AI. We may remove content and suspend or close accounts that break these rules.

13. Your content

You keep ownership of what you post or upload. You give us a non-exclusive, worldwide, royalty-free license to host, store, display and share your content within the Services so we can run them. If you agree separately (for example, by submitting a testimonial), we may also use that content in our marketing as described in that agreement. You are responsible for your content and confirm you have the right to share it.

14. Our content and license

The Services, including courses, videos, workbooks, tools, software, text, graphics and trademarks such as Be Free University, Financial Moses, F.R.E.E.D.O.M. Framework and Free Nation, belong to us or our licensors. We give you a limited, personal, non-transferable license to use them for your own education while your account is in good standing. You may not copy, resell, share, record, publish or create courses or products from our materials, scrape the Services, or reverse engineer our software.

15. Third-party services

Some features rely on other companies, including Stripe (payments), Plaid (bank connections), SmartCredit / ConsumerDirect (credit reports), Vimeo and YouTube (video), GoHighLevel (email and text messages) and AI providers. Their services are governed by their own terms. We are not responsible for third-party websites or services we link to.

16. Disclaimers and limits on our liability

The Services are provided "as is" and "as available." To the fullest extent the law allows, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose and non-infringement, and we do not promise that the Services will be uninterrupted, error-free or produce any particular result.

To the fullest extent the law allows, Be Free University and its owners, employees and contractors will not be liable for any indirect, incidental, special, consequential or punitive damages, or for lost profits, lost savings, credit outcomes, or the validity or effect of any document you create, arising from or related to the Services. Our total liability for any claim related to the Services is limited to the amount you paid us in the 12 months before the claim arose.

Some states do not allow some of these limits, so they may not all apply to you. Nothing in these Terms limits liability that cannot be limited by law.

You agree to indemnify us against claims by third parties that arise from your misuse of the Services or your breach of these Terms.

17. Arbitration agreement and class action waiver

Please read this section carefully. It affects how disputes are resolved.

• Talk to us first. Before filing any claim, email [email protected] with a description of the problem and give us 30 days to try to resolve it informally.
• Binding individual arbitration. If we cannot resolve it, you and Be Free University agree that any dispute arising from or relating to these Terms or the Services will be resolved by binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, before a single arbitrator. The arbitration may be held by video or phone, or in the county where you live. The Federal Arbitration Act governs this section. We will pay the filing, administration and arbitrator fees above what you would pay to file in court, unless the arbitrator finds your claim frivolous.
• No class actions. Claims may only be brought individually, not as a plaintiff or class member in any class, collective or representative proceeding, and the arbitrator may not combine more than one person's claims.
• Exceptions. Either of us may bring an individual claim in small claims court, and either of us may ask a court to stop infringement or misuse of intellectual property.
• Opt out. You may opt out of this arbitration agreement by emailing [email protected] within 30 days after you first accept these Terms, with your name, account email and a statement that you opt out of arbitration. Opting out does not affect any other part of these Terms.
• If the class action waiver is found unenforceable for a claim, that claim will be decided in court and not in arbitration.

18. Governing law and courts

These Terms are governed by the laws of the State of Indiana, without regard to conflict-of-law rules, and by the Federal Arbitration Act. For any matter not subject to arbitration, you and we agree to the exclusive jurisdiction of the state and federal courts located in Lake County, Indiana.

19. Ending your use

You can stop using the Services and cancel your membership anytime. We may suspend or end your access if you break these Terms, misuse the Services, or fail to pay, and we may stop offering any part of the Services. To delete your account and data, use our account deletion form.

20. Changes to these Terms

We may update these Terms from time to time. We will post the new version here with a new "Last updated" date, and for important changes we will notify members by email or in the Services before they take effect. If you keep using the Services after the changes take effect, you accept the updated Terms. Changes do not apply to disputes that arose before the change.

21. General

These Terms, together with the policies they mention, are the entire agreement between you and us about the Services. If any part is found unenforceable, the rest stays in effect. If we do not enforce a provision right away, we have not given up the right to enforce it. You may not transfer these Terms; we may transfer them to a successor business.

22. Contact us

Be Free University, LLC
PO Box 64007, Gary, Indiana 46401, United States
Support: [email protected] · Legal: [email protected]
Phone or text: 530.4BE.FREE (530-423-3733)