If you are under the age of majority, you must have your parent or legal guardian’s permission to use Sound of Spending. Please ask your parent or legal guardian to read these terms with you. If you are a parent or legal guardian, and you allow your child to use Sound of Spending, then these Terms of Use apply to you and you are responsible for your child’s activities on Sound of Spending.</p> <p><strong>Intellectual Property and Limited License</strong></p> <p>