Terms of Service

Last Updated: January 2025

Welcome to Financial Literacy Coach ("we," "our," or "us"). These Terms of Service ("Terms") govern your use of our website, services, and any related materials provided by Financial Literacy Coach. By accessing or using our services, you agree to be bound by these Terms.

1. Acceptance of Terms

By accessing our website or engaging our services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use our services.

2. Description of Services

Financial Literacy Coach provides educational and coaching services related to personal finance, including but not limited to:

• Personalized budgeting guidance and planning
• Investment education and strategy guidance
• Debt management consultation
• Retirement planning assistance
• Financial literacy workshops and educational programs
• Online courses and educational resources

3. Nature of Services - Educational Only

Important: Our services are strictly educational and coaching in nature. We do not provide:

• Investment advice or recommendations for specific securities
• Tax preparation or tax advice
• Legal advice
• Licensed financial planning services
• Investment management or brokerage services

You should consult with licensed professionals (financial advisors, tax professionals, attorneys) for specific advice tailored to your individual circumstances.

4. User Responsibilities

As a user of our services, you agree to:

• Provide accurate and complete information during our interactions
• Use our services only for lawful purposes
• Respect the intellectual property rights of Financial Literacy Coach
• Not share login credentials (if applicable) with others
• Notify us immediately of any unauthorized use of your account
• Take responsibility for your own financial decisions

5. Payment Terms

Payment terms for our services will be clearly communicated before any coaching engagement begins. Generally:

• Payment is due as specified in your service agreement
• Refunds are subject to our refund policy, which will be provided separately
• Late payments may result in suspension of services
• All fees are non-transferable

6. Cancellation and Refund Policy

You may cancel services according to the terms specified in your individual service agreement. Our general policy includes:

• Cancellations must be made in writing
• Refunds for unused services may be available within specified timeframes
• No-shows or late cancellations may be subject to fees
• Digital products and completed sessions are generally non-refundable

7. Intellectual Property

All content, materials, and intellectual property provided through our services remain the property of Financial Literacy Coach, including:

• Educational materials and curricula
• Worksheets, templates, and tools
• Website content and design
• Proprietary methodologies and frameworks

You may use these materials for your personal financial education but may not redistribute, sell, or use them for commercial purposes without written permission.

8. Privacy and Confidentiality

We take your privacy seriously and maintain strict confidentiality regarding your personal and financial information. Please review our Privacy Policy for detailed information about how we collect, use, and protect your data.

9. Disclaimers

No Guarantees: We cannot guarantee specific financial outcomes or results from our coaching services. Your financial success depends on many factors including your personal circumstances, market conditions, and your commitment to implementing recommended strategies.

Educational Purpose: All information provided is for educational purposes only and should not be considered as professional financial, investment, tax, or legal advice.

Individual Results May Vary: Success stories and testimonials represent individual experiences and do not guarantee similar results for other clients.

10. Limitation of Liability

To the fullest extent permitted by law, Financial Literacy Coach shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or other intangible losses resulting from your use of our services.

Our total liability for any claims arising from or related to our services shall not exceed the amount you paid for those specific services.

11. Code of Conduct

We maintain high professional standards and expect the same from our clients. Unacceptable behavior includes:

• Harassment, discrimination, or abusive language
• Sharing confidential information about other clients
• Attempting to solicit other clients for personal gain
• Providing false or misleading information

We reserve the right to terminate services for clients who engage in unacceptable behavior.

12. Technology and Website Use

When using our website or online platforms:

• You are responsible for maintaining compatible technology and internet connectivity
• We are not responsible for technical issues beyond our control
• You must not attempt to hack, damage, or disrupt our systems
• We may use cookies and similar technologies as described in our Privacy Policy

13. Third-Party Resources

We may recommend or link to third-party resources, websites, or services. We do not endorse or take responsibility for the content, privacy practices, or services of third parties. Your use of third-party resources is at your own risk.

14. Updates to Services

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time. We will provide reasonable notice of significant changes that may affect your existing service agreements.

15. Governing Law and Dispute Resolution

These Terms are governed by the laws of [Your State/Country]. Any disputes arising from these Terms or our services will be resolved through:

1. Good faith negotiation between the parties
2. Mediation, if negotiation fails
3. Binding arbitration, if mediation is unsuccessful

You agree to resolve disputes individually and waive any right to participate in class action lawsuits.

16. Severability

If any provision of these Terms is found to be unenforceable or invalid, the remaining provisions will continue to be valid and enforceable to the fullest extent permitted by law.

17. Changes to Terms

We may update these Terms periodically to reflect changes in our services or legal requirements. We will notify you of significant changes by:

• Posting the updated Terms on our website
• Sending email notification to registered users
• Providing notice during your next service interaction

Continued use of our services after changes constitutes acceptance of the updated Terms.

18. Contact Information

If you have questions about these Terms or need to contact us regarding any service-related matters, please reach out to us:

• Website: Contact Form
• Email: [Your Email Address]
• Phone: [Your Phone Number]
• Address: [Your Business Address]

19. Entire Agreement

These Terms, along with our Privacy Policy and any individual service agreements, constitute the entire agreement between you and Financial Literacy Coach regarding the use of our services.