Last updated: October 6, 2026
By using MerrittMorrow.com, you agree to these Terms of Use. If you do not agree, do not use the site or purchase the digital product.
Educational purpose
This website and The Family Scam Defense Kit provide general consumer education. They are not legal, financial, tax, insurance, real-estate, cybersecurity, medical, or other individualized professional advice. You are responsible for your decisions and should use current official information or a qualified professional for a specific situation.
Digital product license
When you purchase the kit through Gumroad, you receive a personal, non-transferable license to access and use the digital materials for your own household education. You may print copies for your own household. You may not resell, share publicly, reproduce for commercial use, redistribute, sublicense, upload, or claim ownership of the materials.
Checkout and third parties
Purchases are processed and delivered by Gumroad. Your purchase is also subject to Gumroad’s terms, privacy policy, payment rules, and product-delivery processes. External links, including YouTube and official-source links, are provided for convenience and are governed by their respective terms.
No guarantees or outcome claims
We do not guarantee that the materials will prevent every scam, solve a particular dispute, produce a specific financial result, or be current for every jurisdiction or fact pattern. Scams, policies, and local rules can change. The kit is a tool to help you pause, verify, document, and find a more reliable next route.
Accuracy and updates
We aim to present information responsibly, but public sources and rules may change. Use the current official source for a live issue. We may revise the website or digital materials without a promise of future updates unless a specific update commitment is displayed at purchase.
Acceptable use
You may not use this website to break the law, interfere with site operation, scrape or reproduce material at scale, misrepresent affiliation with Merritt Morrow, or infringe intellectual-property rights.
Changes and governing provisions
We may update these Terms by posting an updated version here. If any provision is unenforceable, the remaining provisions remain in effect to the extent permitted by law. These Terms do not limit any consumer rights that cannot legally be waived.
Contact
For an order, refund, or delivery question, email help@merrittmorrow.com and include the email address used at checkout.