Effective Date: 09/01/23
Overview
These Terms and Conditions govern your use of [Business Name] (“Site” or “we”). We offer financial consulting, credit education, and personal development tools to support informed financial decisions.
Acceptance
By accessing or using the Site, you agree to these Terms. If you disagree, please discontinue use.
Eligibility
Users must be 18 or older. We assume no responsibility for false age statements.
Your Account
You are responsible for maintaining the security of your account.
You agree to provide accurate, current, and complete information and update it when necessary.
We reserve the right to suspend or terminate accounts used in violation of these Terms or applicable law.
Services and Products
We offer:
Digital Products: e‑books, courses, tools
Consulting Services: credit education, financial coaching, strategy sessions
Merchandise
Payment is due in full at the time of purchase.
Pricing & Payments
We accept Credit Cards, Debit Cards, PayPal, and ACH/Direct Debit.
By providing payment information, you authorize us to charge the chosen method.
We reserve the right to refuse or cancel transactions suspected of fraudulent or illegal activity.
Refund & Cancellation Policy
Digital Products & Courses: Unless otherwise stated, all sales are final. Refund exceptions are detailed in your purchase agreement.
Consulting Services: Refunds or credits are available per the terms outlined in your service agreement. We uphold fair, transparent resolution practices.
Delivery
Digital items are delivered instantly via the Site or email.
Physical merchandise ships within 5–7 business days (U.S.) plus applicable fees.
International shipments may incur duties or taxes, which are the customer’s responsibility.
Legal Compliance
We comply with all relevant financial, credit, and consumer protection laws, including the FCRA. Any content or advice is informational and not legal, tax, or accounting advice.
Intellectual Property
All Site content—text, images, logos, downloadable materials—is owned by us or used with permission. You may use for personal, noncommercial purposes only.
Third-party Links
We may link to other websites for reference. We’re not responsible for their content or policies. Please review their terms before use.
Disclaimers & Limitation of Liability
Our services are provided “as is”—no warranties, express or implied.
We are not liable for indirect damages, lost profits, or business interruption.
Our total liability is capped at the amount paid for the service or product.
Indemnification
You agree to defend, indemnify, and hold us harmless from any claims arising from your use of the Site or violation of these Terms.
Governing Law
These Terms are governed by the laws of the State of [Your State].
Changes
We may update these Terms as needed. We will notify registered users and post an updated version on the Site.
Effective Date: 09/01/2023
We are committed to protecting your privacy and prioritizing ethical, low-risk data handling practices. We collect personal data only when necessary.
Automatically: IP address, device/browser info, pages viewed, session duration.
Voluntarily: Name, email, phone, billing/shipping address, payment token, survey responses.
We do not collect Social Security numbers, full credit card numbers, or sensitive financial data.
Operating Services: Account setup, payments, product delivery.
Communication: Responding to support requests and service queries.
Improvements: Site analytics, product feedback.
Marketing: Email promotions (you can opt out anytime).
With your consent.
To fulfill contracts.
Legitimate interests like analytics and improving services.
Compliance with legal obligations.
We use:
Essential cookies for platform access
Analytics cookies (e.g., Google Analytics)
Marketing cookies for user preferences and promotions
You can disable or manage cookies via browser settings—though this may limit functionality.
Our team and service providers (payment processors, email platforms)
Legal compliance: law enforcement, court orders
Business transfers: If our company is sold or merges
We do not sell or rent personal data.
We use SSL/TLS encryption on all data transmissions.
Sensitive data is stored by PCI-compliant third parties.
Access is restricted to authorized staff under confidentiality agreements.
Despite precautions, we cannot guarantee absolute data security.
We retain data necessary for business/legal purposes for up to 10 years unless local laws require shorter periods.
Depending on your location, you may have rights to:
Access, correct, delete, restrict, or port your data
Object to processing
Withdraw consent
Lodge a complaint with your data protection authority
Our services are for ages 18+. We do not knowingly collect data from anyone under 13 (U.S.) or 16 (EU). If discovered, we will delete it promptly.
We may update this Policy. Changes are effective upon posting. We recommend reviewing it periodically.
