The deal, in plain words.

Version 2026-09-21 · draft

Money Launch Week is a seven-day money challenge for Canadians aged about 16 to 20, made by Preet Banerjee and Cheryl Hickey. Using it means agreeing to what's below. If something here doesn't sit right, email hello@moneylaunchweek.com before you start.

1. Who this is for

• Learners are about 16 to 20 and sign themselves up: their own email address, their own tick of the consent box, using a join code a coach hands them in person.
• Coaches are adults — a parent, guardian or trusted adult. A coach makes the household and hands over the code.
• One account per person, and your account is yours. You sign in with a link sent to your email, so don't forward those links or let someone else use your account.
• A household holds up to four learners.
• We don't ask anyone's date of birth and we don't verify age. The coach handing over the code is the one who knows who they're handing it to.

2. This is education, not advice

The course teaches. Nothing in it is financial, tax, investment or legal advice for your particular situation, and nobody here is acting as your advisor, planner or broker. What you decide to do with your money is your decision.

The tools are illustrations and say so on the screen. In the words the app itself uses:

Rates, tax brackets, contribution limits and the menus inside banking apps all change, and they differ by province, by lender and by person. Check the real numbers with your bank, the CRA or a qualified advisor before acting on anything. Where the app shows a projection it is an assumption, not a promise — which is exactly why it warns you when the assumed return climbs past what anyone can reasonably expect.

3. No promises about outcomes

Finishing the week doesn't guarantee you'll save more, earn more, get approved for anything, or be better off. It's seven days of learning and seven small decisions. What comes of it is up to you and to circumstances neither of us controls. We provide the course as it is, without warranties, and we're not responsible for the results of decisions you make.

4. We never handle money

This platform never touches money. There's nothing to pay, no account to fund, no transfer to make here, and we never ask for a balance, a card number, an account number or a bank password.

A coach can make a pledge — a promise of what they'll do when the learner finishes: an amount in whole dollars, or a few words of their own. We store it and show it to the learner when they finish Day 7. If the coach chose to tell them rather than keep it a surprise, the learner knows from the start that one is waiting — but what it is, they see only when they finish Day 7. That is all we do. A pledge is a promise between two people in a family: whatever the coach gives, they give it directly. We don't hold it, move it, guarantee it or enforce it, and we're not part of the arrangement.

5. Using it fairly

• One household per join code. The code is for the learners in your own household, handed over in person.
• Don't post a join code publicly — anywhere it can be found, anyone who finds it can take one of your household's slots.
• Don't use the app to harass anyone, and don't put anything into it that you wouldn't want a family member to read.
• Don't try to break the app, get at other people's data, scrape it, or use it to send anything automated.
• The lessons, tools, videos and words are ours. Use them for your own week; don't republish or resell them.

If an account is being used against any of this, we can close it. A coach can also remove a learner from their own household, which closes that learner's account and stops their email.

6. Ending it

You can stop any time — nothing renews and there's nothing to cancel. To have your account removed: email hello@moneylaunchweek.com from the address on your account and we delete it within 30 days — your answers, your progress, your consent record, everything attached goes with it. There's no delete button in the app yet, and no way to export your own copy first.

An account nobody has signed into or saved a day on for twelve months is deleted automatically — sooner, after thirty days, if nothing was ever done with the account and the whole household has gone quiet. The full detail is on the Privacy page.

7. The service itself

This is a small project run by two people, currently as a pilot. We may change the lessons, fix things, or take it offline for a while. We aim to keep it up and we can't promise it. If something breaks mid-week, tell us — the week is designed so that a missed day is a missed day, not a lost week.

8. Governing law

[governing law — lawyer]

9. Changes to these terms

Every version is dated at the top. The sentence you agreed to when you signed up is recorded against your account by version, so we can always say exactly what was on your screen on the day. If we change something that matters, we'll ask again rather than assume.

10. Getting in touch

A person reads hello@moneylaunchweek.com. That's the way to reach us about anything on this page.