Terms of Service

1. What QuietMillion is

QuietMillion is a publication — essays, field notes, and a podcast about tax liens, taxation, banking, and related systems — plus a small shop of digital tools (calendars, workbooks, and guides) built around that same subject matter. It's published by an individual, not a firm.

2. Not financial, legal, or tax advice

Everything on this site — essays, podcast episodes, and the products in the Shop — is offered for general education and informational purposes only. It reflects one person's research, opinions, and experience working tax lien auctions; it is not personalized financial, legal, investment, or tax advice, and no professional relationship (financial advisor, attorney, accountant, or otherwise) is created by reading, listening to, or purchasing anything here.

Tax lien and tax deed investing carries real financial risk, and rules vary significantly by state and county. Before acting on anything described here, verify current rules with your local tax authority and consult a licensed professional about your own situation.

3. Content & intellectual property

The essays, audio, product content, and site design are QuietMillion's own work (or licensed for use here) and are protected by copyright. You're welcome to link to and quote this site with attribution. Reproducing, redistributing, or reselling the essays or products in whole is not permitted without written permission — use the contact form to ask.

4. Digital products, purchases & refunds

Products in the Shop are sold and fulfilled through Gumroad, which acts as the merchant of record — your purchase, receipt, and payment details are handled there, under Gumroad's own terms.

Because these are digital files delivered instantly, all sales are final once a product has been downloaded. If a file is missing, corrupted, or materially different from what's described on its product page, use the contact form with your order details and it'll be made right — a replacement file or a refund, whichever fits the problem.

The Tax Lien Planning System bundle price reflects a discount off buying its component products individually; component prices and the bundle price may change without notice.

5. Third-party services

This site links out to and relies on services it doesn't control — Substack for the newsletter and podcast, Gumroad for purchases, and Spotify/Apple Podcasts/YouTube for listening. Your use of those services is governed by their own terms, not these.

6. Results & earnings disclaimer

QuietMillion makes no guarantees about your results, earnings, or investment outcomes from using this site or any product in the Shop. Tax lien and tax deed returns depend on factors outside anyone's control — the state and county you work in, competition at auction, redemption timing, and your own research and judgment. Past examples described in the essays, podcast, or product content are illustrative, not typical or promised results, and shouldn't be treated as an indication of what you'll experience.

7. No warranty & limitation of liability

This site and its products are provided "as is," without warranties of any kind. To the fullest extent permitted by law, QuietMillion isn't liable for any losses or damages arising from your use of the site, reliance on its content, or use of any product purchased through it — including any investment or financial decisions you make.

8. Changes

These terms, site content, and product pricing may change at any time. Material changes to these terms will update the "Effective" date above. Continuing to use the site after a change means you accept the current version.

9. Contact

Questions about these terms: use the contact form.