Last updated: September 16, 2026
These Terms of Use govern your use of billsandbeans.com (the “Site”), published by Bills & Beans (“we,” “us,” or “our”). By using the Site you agree to these terms. If you don’t agree with them, please don’t use the Site.
What the Site is
The Site publishes explanatory articles and calculators on coffee, personal finance, and civil liberties. Everything on it is general information and commentary. It is not financial, investment, tax, or legal advice, and it is not a substitute for advice from a qualified professional who knows your situation. Nothing on the Site recommends buying or selling any security, fund, or digital asset, and nothing on it should be read as instructions for acquiring, building, modifying, or carrying a firearm.
Accuracy and calculators
We work to keep the Site accurate and we publish a corrections policy, but laws, rates, limits, and prices change, and we make no guarantee that any page is complete, current, or error-free. Our calculators are illustrative: they use the figures and assumptions shown on the page and simplify real-world rules. Check any result against your own numbers and current official sources before acting on it.
Your use of the Site
You may read, link to, and share links to the Site freely, and you may quote a passage with attribution and a link. You may not copy or republish substantial portions of our content without permission, use automated tools to scrape the Site in ways that burden it, attempt to interfere with the Site’s operation, or use the Site for anything unlawful.
Intellectual property
The text, images, calculators, and design of the Site are owned by Bills & Beans or used with permission, and are protected by copyright and other laws. Trademarks and product names mentioned on the Site belong to their owners; mentioning them does not imply endorsement in either direction.
Email list
If you subscribe to our email list, we use your address only to send what you signed up for. You can unsubscribe at any time using the link in any email we send or on our Unsubscribe page. Our Privacy Policy explains what we collect and how we use it.
Third-party links and advertising
The Site links to outside sources and may display advertising. We don’t control third-party sites and aren’t responsible for their content or practices. An ad or a link on the Site is not an endorsement.
Disclaimer and limitation of liability
The Site is provided “as is” and “as available,” without warranties of any kind, express or implied. To the fullest extent permitted by law, Bills & Beans will not be liable for any loss or damage arising from your use of, or reliance on, the Site or its content, including decisions you make based on an article or a calculator. Some jurisdictions don’t allow certain limitations, so parts of this section may not apply to you.
Changes and contact
We may update these terms from time to time; the date at the top tells you when. Continued use of the Site after a change means you accept the updated terms. These terms are governed by the laws of the United States and the state in which Bills & Beans is based. Questions: info@billsandbeans.com.