Terms of service

Last updated: September 3, 2026.

By using this site or purchasing a digital product, you agree to these terms and to provide accurate checkout information. You must be able to enter a binding purchase in your location or have permission from a parent or legal guardian.

Personal-use license

A purchase grants the purchaser a limited, non-exclusive, non-transferable license to use the files for personal or immediate-household planning. You may print working copies. You may not resell, upload, publish, share broadly, remove ownership notices, or use the files to provide paid client services.

Orders and payments

Prices and available payment methods are shown at checkout. You authorize the displayed charge when you submit an order. We may cancel or refund an order affected by an obvious pricing error, suspected fraud, or inability to deliver the product.

Educational limits

Morrow Mama products and calculators provide general educational information only. They are not legal, tax, financial, investment, employment, medical, mental-health, or childcare-safety advice and do not create a professional-client relationship. Rules, benefits, costs, employer practices, and family circumstances change. Verify important decisions with current official sources and appropriately qualified professionals. Results and approvals are not guaranteed.

Changes and misuse

We may correct errors, protect the site from misuse, and update products or policies prospectively. Material policy changes apply from their posted effective date and do not create a new charge for an earlier purchase.