Legal

Terms of Use

Last updated: July 31, 2026

These Terms of Use ("Terms") govern your access to and use of this website and the Seeds of Prosperity devotional and related digital files ("the Product"), offered by Jake Caruso, doing business as Morning Focus Daily ("we," "us," or "our"). By purchasing or accessing the Product, you agree to these Terms.

1. The product

The Product is a digital devotional resource consisting of written and audio content reflecting the author's personal views and interpretation of biblical texts on topics including work, generosity, and stewardship. It is provided for spiritual reflection and educational purposes only.

2. Not professional advice

Nothing in the Product constitutes financial, investment, legal, tax, medical, or other professional advice. The Product does not guarantee any financial outcome, and any decisions you make based on its content are your own responsibility. Consult a qualified professional for advice specific to your situation.

3. License to use

Upon purchase, we grant you a personal, non-exclusive, non-transferable, revocable license to access and use the Product for your own private use. You may not resell, redistribute, publicly share, or create derivative works from the Product without our prior written consent.

4. Payment and access

Prices are listed in U.S. dollars and are due in full at the time of purchase. Access to digital files is granted electronically, typically within minutes of a successful payment, via the email address provided at checkout.

5. Refunds

Refunds are handled according to our Refund Policy.

6. Testimonials

Testimonials displayed on this site reflect the individual, personal experiences of specific readers. They are not a guarantee, promise, or prediction of the results any other person will achieve from using the Product.

7. Intellectual property

All content in the Product, including text, audio, and design, is the property of Jake Caruso and is protected by copyright law. Unauthorized reproduction or distribution is prohibited.

8. Limitation of liability

To the fullest extent permitted by law, we are not liable for any indirect, incidental, or consequential damages arising from your use of the Product or this website. The Product is provided "as is," without warranties of any kind beyond those required by law.

9. Governing law

These Terms are governed by the laws of the State of New Jersey, United States, without regard to conflict-of-law principles.

10. Changes to these terms

We may update these Terms from time to time. Continued use of the Product after changes are posted constitutes acceptance of the revised Terms.

11. Contact us

Jake Caruso
222 Washington Avenue, Westwood, NJ 07675, United States of America
Support@morningfocusdaily.com