Terms & Conditions
Please read these terms carefully before using our website or purchasing our products.
Last updated: February 16, 2026
1. Agreement to Terms
These Terms and Conditions ("Terms") govern your use of the website mylittlewealthbuilder.com (the "Site") operated by My Little Wealth Builder ("we," "us," or "our"), based in Long Island, New York.
By accessing or using our Site, placing an order, or subscribing to our newsletter, you agree to be bound by these Terms. If you do not agree to these Terms, you must not use our Site or services.
2. Products & Services
My Little Wealth Builder sells children's educational storybooks focused on financial literacy, available in the following formats:
- PDF E-Book — A downloadable digital file delivered via email.
- Softcover — A physical book shipped to your address.
- Hardcover — A physical book shipped to your address.
We also offer free PDF downloads through our newsletter subscription. Product descriptions, images, and prices are provided as accurately as possible but may be subject to change without prior notice.
3. Pricing & Payment
All prices displayed on the Site are in US dollars (USD). Prices are subject to change without notice. We reserve the right to modify pricing, offer promotional discounts, or discontinue products at any time.
Payments are processed securely through Stripe. By placing an order, you represent that you are authorized to use the payment method provided. We do not store your credit card information on our servers.
Coupon codes, when available, are subject to specific terms and conditions, including expiration dates and usage limits.
4. Orders & Fulfillment
When you place an order, you will receive an email confirmation. This confirmation constitutes our acceptance of your order. We reserve the right to refuse or cancel any order for any reason, including product availability, errors in pricing or product information, or suspected fraudulent activity.
Digital Products (PDF E-Books)
After successful payment, digital products will be delivered to the email address(es) you provide during checkout via a secure download link. Download links expire after 7 days. If you experience any issues accessing your download, please contact us.
Physical Products (Softcover & Hardcover)
Physical products are shipped to the address provided during checkout. Shipping rates are calculated at checkout based on your location and selected shipping method. We are not responsible for delays caused by shipping carriers, customs, or incorrect shipping information provided by you.
5. Shipping & Delivery Policy
At My Little Wealth Builder, we carefully prepare each order and work to ship it as efficiently as possible.
Order Processing
Orders are processed during normal business operations, excluding weekends and holidays. Processing times may vary depending on order volume, seasonal demand, or unforeseen circumstances.
You will receive a shipping confirmation email with tracking information once your order has shipped.
Shipping Method
We currently ship within the United States using USPS Ground Advantage.
Delivery timeframes provided by USPS are estimates only and are not guaranteed.
Risk of Loss & Title Transfer
Ownership and risk of loss transfer to the customer once the order has been accepted by USPS and marked as shipped.
My Little Wealth Builder is not responsible for delays, damage, or loss occurring during carrier transit.
Carrier Delays
We are not responsible for shipping delays caused by:
- Weather events
- Postal service disruptions
- Holidays
- Natural disasters
- Labor disruptions
- Government actions
- Incorrect or incomplete addresses
Shipping timelines are determined by USPS and are outside of our control.
Address Accuracy
Customers are responsible for providing a complete and accurate shipping address at checkout.
If a package is returned due to an incorrect, incomplete, or undeliverable address:
- Original shipping charges are non-refundable
- The customer is responsible for any reshipping fees
We are not responsible for orders shipped to incorrectly entered addresses.
Marked as Delivered
If tracking information shows that a package has been delivered, My Little Wealth Builder is not responsible for lost or stolen packages.
If you believe your package was misdelivered, please contact USPS and your local post office directly.
Shipping Insurance & Signature Confirmation
Orders are not automatically insured beyond the coverage included with USPS Ground Advantage.
Signature confirmation or additional insurance may be added at our discretion for certain orders.
Refused or Returned Shipments
If a shipment is refused or returned to us:
- Original shipping charges are non-refundable
- Additional shipping fees may apply for reshipment
Lost Packages in Transit
If tracking shows no movement for an extended period, please contact us at ajmercy@mylittlewealthbuilder.com. We will assist in initiating a carrier inquiry when appropriate.
Replacement or refund decisions for lost packages are made on a case-by-case basis.
Partial Shipments
In rare circumstances, orders may ship in multiple packages. Customers will receive tracking information for each shipment.
Shipping Rates
Shipping rates are subject to change without notice due to carrier pricing adjustments.
Shipping Availability
We currently ship within the United States only.
Force Majeure
We are not liable for failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to natural disasters, supply chain disruptions, governmental actions, labor disputes, or carrier interruptions.
Disputes
If you experience an issue with your delivery, please contact us before initiating a payment dispute. We are committed to working with our customers to resolve concerns promptly.
Policy Updates
We reserve the right to update or modify this Shipping & Delivery Policy at any time. The policy in effect at the time of purchase will apply to that order.
6. Returns & Refunds Policy
At My Little Wealth Builder, we want you to feel confident in every purchase. If something isn't right, we're here to help.
Website Purchases (Physical Books)
Return Window
We accept returns within 14 days of confirmed delivery.
To be eligible for a return:
- The book must be unused and unread
- In original condition
- In original packaging
- Proof of purchase is required
Returns requested after 14 days of delivery will not be accepted.
Non-Returnable Items
The following items are not eligible for return:
- Books showing signs of use, wear, or damage not caused during shipping
- Bulk, discounted, or custom-branded orders
- Final sale or promotional items
- Digital products
We reserve the right to deny returns that do not meet these conditions.
Damaged or Incorrect Orders
If your order arrives damaged or incorrect, please contact us within 14 days of delivery at ajmercy@mylittlewealthbuilder.com and include:
- Your order number
- Clear photos of the issue
We will issue a replacement or full refund at no additional cost. In most cases, damaged items do not need to be returned.
Return Shipping
For standard returns, customers are responsible for return shipping costs. Original shipping charges are non-refundable.
We recommend using a trackable shipping method. My Little Wealth Builder is not responsible for returns lost in transit.
Refund Process
Once your return is received and inspected, we will notify you of approval or denial.
Approved refunds are issued to the original payment method. Please allow several business days for your financial institution to process the refund.
Amazon Purchases (eBooks & Audiobooks)
Digital products purchased through Amazon, including eBooks and audiobooks, are subject to Amazon's return and refund policies.
Because these transactions are processed directly by Amazon and its affiliated platforms, all refund requests, billing issues, and account-related questions must be handled through your Amazon account or by contacting Amazon customer support.
My Little Wealth Builder does not have the ability to issue refunds for purchases made through Amazon.
Chargebacks & Payment Disputes
If a chargeback or payment dispute is initiated after a refund has already been issued or without first contacting us, we reserve the right to provide proof of delivery, communication records, and this policy to the payment processor.
Fraudulent disputes may result in refusal of future service.
Policy Updates
We reserve the right to update or modify this Returns & Refunds Policy at any time. The policy in effect at the time of purchase will apply to that order.
Limitation of Liability
To the fullest extent permitted by law, My Little Wealth Builder's liability is limited to the purchase price of the product.
7. Intellectual Property
All content on this Site, including but not limited to text, graphics, logos, images, illustrations, book content, character designs (including "Benny the Bunny"), audio, and software, is the property of My Little Wealth Builder or its content creators and is protected by copyright, trademark, and other intellectual property laws.
You may not reproduce, distribute, modify, create derivative works from, publicly display, or otherwise use any content from this Site or our products without our prior written consent, except for personal, non-commercial use as intended (e.g., reading the book to your child).
The PDF e-books and digital downloads are licensed for personal use only. Sharing, redistribution, or resale of digital products is strictly prohibited.
8. Newsletter & Communications
By subscribing to our newsletter, you consent to receive promotional emails, updates, and offers from My Little Wealth Builder. You may unsubscribe at any time by clicking the unsubscribe link in any email or by contacting us directly.
When you subscribe, you may receive a free digital download as part of our promotional offer. This offer is subject to availability and may be changed or discontinued at any time.
9. User Conduct
When using our Site, you agree not to:
- Use the Site for any unlawful purpose or in violation of any applicable laws.
- Attempt to gain unauthorized access to any part of the Site, its servers, or any connected systems.
- Interfere with or disrupt the operation of the Site.
- Submit false or misleading information when placing orders or contacting us.
- Use automated tools (bots, scrapers, etc.) to access or collect data from the Site without our written permission.
- Reproduce, distribute, or resell our digital products without authorization.
10. Disclaimer
The information, stories, and educational materials provided by My Little Wealth Builder, including our books, website content, and related materials, are intended for general educational and informational purposes only.
Educational Purpose Only
Our books are designed to introduce foundational financial concepts to children in a simple, engaging, and age-appropriate way. They are not intended to provide financial, investment, legal, tax, or professional advice.
No Professional Advice
Nothing on this website or within our publications should be interpreted as financial, legal, tax, or investment advice. Parents and guardians should consult qualified professionals regarding their individual financial circumstances before making financial decisions.
No Guarantees
We do not guarantee any specific financial outcomes, results, or future performance based on the use of our materials. Individual results may vary.
Parental Responsibility
Our content is created for families and young readers. Parents and guardians are responsible for supervising and guiding their children's learning experiences and financial decisions.
External Platforms
Products sold through third-party platforms, including Amazon, are subject to the terms and policies of those platforms.
Limitation of Liability
To the fullest extent permitted by law, My Little Wealth Builder shall not be liable for any loss, damage, or financial decisions made based on the use of our books, website, or educational materials.
11. Limitation of Liability
To the fullest extent permitted by law, My Little Wealth Builder and its founders, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Site or purchase of our products.
Our total liability for any claim arising from your use of the Site or purchase of products shall not exceed the amount you paid for the specific product giving rise to the claim.
12. Third-Party Links
Our Site may contain links to third-party websites or services, including but not limited to Audible for audiobook purchases. We are not responsible for the content, privacy practices, or terms of any third-party sites. We encourage you to review their terms and policies before engaging with them.
13. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of the Site shall be resolved in the courts located in the State of New York.
14. Changes to These Terms
We reserve the right to update or modify these Terms at any time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of the Site after any changes constitutes your acceptance of the revised Terms.
15. Contact Us
If you have any questions about these Terms, please contact us:
16. Accessibility Statement
My Little Wealth Builder is committed to providing a website that is accessible and usable for all individuals, including people with disabilities.
Our Commitment to Accessibility
We strive to ensure our website is accessible to the widest possible audience and are working toward alignment with generally recognized accessibility standards, including the Web Content Accessibility Guidelines (WCAG) 2.1.
Accessibility is an ongoing effort, and we continuously evaluate and improve our website to enhance usability and inclusivity.
Accessibility Features
We aim to:
- Maintain clear navigation and consistent page structure
- Use readable fonts and sufficient color contrast
- Provide descriptive text for images where appropriate
- Ensure compatibility with commonly used assistive technologies
Ongoing Improvements
While we make reasonable efforts to ensure accessibility, some content may not yet fully conform to the latest standards. We are actively working to improve the user experience for all visitors.
Third-Party Content
Our website may include links to or integrations with third-party services, including payment processors and external platforms such as Amazon. We do not control and are not responsible for the accessibility practices of these third-party sites.
Need Assistance?
If you experience difficulty accessing any part of our website or need assistance placing an order, please contact us:
Email: ajmercy@mylittlewealthbuilder.com
We are committed to responding promptly and will make reasonable efforts to provide the information, product, or service you need through an accessible communication method.
Feedback
We welcome feedback on the accessibility of our website. If you have suggestions for improvement, please reach out.
Please also review our Privacy Policy, which describes how we collect, use, and protect your personal information.