Judith Ranney

Terms of Service

Effective date: October 19, 2026

These Terms of Service ("Terms") are an agreement between you and Affluency, LLC, a Florida limited liability company, 338 W. 61st St., Jacksonville, FL 32208 ("Affluency," "we," "us"). They apply to judithranney.com, affluencystudios.com, and the members-only Listening Room at judithranney.com/members (together, the "Sites"). By using the Sites, or by checking the box to agree when you join the Listening Room, you agree to these Terms and to our Privacy Policy.

1. Who may use the Sites

You must be at least 18 years old to buy a membership or anything else from us. Children may listen with a parent or guardian who holds the membership and supervises their use.

2. Listening Room membership

  1. Price and renewal. A membership costs $5.00 per month (plus any tax). It renews automatically each month, and your card or other payment method is charged on the same date each month until you cancel.
  2. Payments. Payments are processed by Stripe. We never see or store your full card number. Stripe's own terms and privacy policy also apply to your payment.
  3. Cancel anytime. You may cancel at any time from the "Manage or cancel membership" link in the Listening Room or by emailing affluencyllc@gmail.com. Your access continues until the end of the month you have already paid for, and you will not be charged again.
  4. Refunds. Monthly fees are not refunded for partial months. If you were charged by mistake or could not get into the Listening Room because of a problem on our side, email us within 30 days and we will make it right.
  5. Price changes. We will email you at least 30 days before any price change takes effect. You may cancel before then if you do not wish to continue.
  6. Your account. Your membership is for you and the people in your household. Keep your password private and do not share your sign-in with others. We may suspend an account that is being shared or misused.
  7. What is included. Members can listen to the audiobooks, readings, and other content we make available in the Listening Room. We may add, change, or remove content from time to time.

3. Our content and how you may use it

All books, audio, videos, illustrations, characters, text, and designs on the Sites belong to Affluency or its authors and are protected by copyright. You may listen to and view them for your own personal, non-commercial use. You may not download, record, copy, share, upload, sell, or broadcast any Listening Room audio or other content, or use it to train AI or machine-learning systems, without our written permission. Sharing short quotes with credit, for example in a review, is welcome.

4. Scripture and encouragement features

The "Ask for a Scripture" box, the Psalm of the Day, and similar features offer Bible verses and encouragement for personal reflection. They are not professional counseling, medical, legal, or financial advice. If you are in crisis or thinking about harming yourself, call or text 988 (Suicide & Crisis Lifeline) or call 911 right away.

5. Website design customers

If you hire Affluency Studios to build a website, the signed Website Design and Development Agreement between you and Affluency governs that project. If it conflicts with these Terms, the signed agreement controls.

6. Acceptable use

You agree not to break the law while using the Sites, try to get around our sign-in or payment systems, interfere with the Sites' operation, send spam or harmful code through our forms, or pretend to be someone else.

7. Ending access

We may suspend or end your access if you break these Terms. If we end a paid membership without cause, we will refund the unused part of your current month. We may also stop offering the Listening Room; if we do, we will give members at least 30 days' notice and stop billing.

8. Disclaimers and limits

The Sites and all content are provided "as is." We work to keep them available and error-free but cannot promise they always will be. To the fullest extent the law allows, Affluency is not liable for indirect or consequential damages, and our total liability to you for any claim is limited to the amount you paid us in the 12 months before the claim.

9. Changes to these Terms

We may update these Terms. We will post the new version here with a new effective date and, for changes that affect members, email you at least 30 days before they take effect. Continuing your membership after that date means you accept the updated Terms.

10. Governing law

These Terms are governed by Florida law. Any dispute will be heard in the state or federal courts of Duval County, Florida, except that either of us may bring a claim in small claims court where it qualifies.

11. Contact us

Affluency, LLC · 338 W. 61st St., Jacksonville, FL 32208 · affluencyllc@gmail.com