We reserve the right to refuse service to anyone for any reason at any time.

You understand that your personal information (not including credit card information), may be transferred unencrypted and involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices. Credit card information is always encrypted during transfer over networks.

You represent that you are at least the age of majority in your state, jurisdiction, or province of residence. Children under the age of 13 are prohibited from using our Site, Products and/or Service(s).

The headings or subheadings used in these Terms are included for convenience only and will not limit or otherwise affect these Terms.

Informational & Educational Purposes Only.

The information provided is for general educational and informational purposes only. It should not be relied upon or used as the sole basis for decision making related to your personal life or business, without consulting primary, more accurate, more complete or more timely sources of information.

You understand and acknowledge that the information provided to you by us is not legal, financial, therapeutic, mental health, or medical advice and that the Company is not a professional service provider. Again, all of the information, including without limitation, resources provided via phone or video conference, e-mail, an online forum, live events such as webinars or lives, video/audio recordings, courses, materials provided in our digital products and the like about business, laws, health, wellness and/or finance-related information, are resources for educational and informational purposes only and should not take the place of hiring a licensed professional. You understand that the Company does not and will not provide any form of diagnosis, legal advice, medical advice, financial advice, or mental health advice.

Financial Coaching/literacy Disclaimer

The financial education, information, advice, strategies, and/or examples shared on our Site, within our Products, and/or through our Services are provided for general informational and educational purposes only. We focus on empowering you with knowledge, tools, strategies, and insights for better money management, goal setting, and the development of positive financial habits.

We want to be clear that we are not licensed financial advisors, accountants, tax professionals, or investment advisors, and we do not provide personalized financial planning, investment advice, or tax strategy services.Therefore, the content provided by us should not be interpreted as such.

Any budgeting techniques, financial strategies, savings plans, investment discussions, and/or income-related topics mentioned on this Site, within our Products, or through our Services are illustrative examples only and should not be considered guarantees, promises of specific outcomes, personalized recommendations, or financial advice tailored to your individual circumstances.

Your financial results will vary based on numerous factors beyond our control, including but not limited to your unique financial situation, your actions or inactions, your individual skills, prevailing market conditions, and your specific life circumstances.

We make no guarantees, claims, or representations regarding any financial success, income growth, investment performance, debt reduction, or other financial outcomes resulting from the use of the information provided on this Site, in our Products, or through our Services. Past results of any client or testimonial are not predictive of future outcomes.

We strongly recommend that you consult with a qualified financial advisor, tax professional, or accountant before making any financial, tax, investment, or budgeting decisions based on any information you find on this Site, within our Products, or through our Services.

By accessing and using our Site, our Products, and/or our Services, you acknowledge and accept that you are solely responsible for your own financial decisions, results, and outcomes. Reliance on any information provided herein is strictly at your own risk.

Assumption of Risk. Any reliance on our Site, Products, and/or Services and the information contained therein or provided to you is at your own risk and you do so voluntarily. You use the information provided and our Site, Products, and/or Services at your own risk. You accept that we are not responsible or liable for any harm or damages to you, your business, life, physical and mental health, financial, or otherwise caused by or resulting from your use of our Site, Products, and/or Services, including any actions you choose to make, or not make, as a result of using our information and/or resources.

You should consult with a professional for any and all individual questions or concerns.

Age Requirements. This Product is not intended for children under 13. We do not knowingly collect personal information or sell to anyone under 13. If you are a parent or guardian and believe your child has obtained this Product, please contact us. By purchasing this Product, you represent and warrant that you are at least 18 years old and of legal age to enter into a binding agreement.

Non-Disparagement. You agree not to make any false, defamatory, or knowingly misleading statements, either publicly or privately, to any third party about the Company, or about any of the Company’s officers, directors, employees, personnel, agents, policies, Products, or Services, except as otherwise permitted by law. This includes directing others to do so on your behalf. Nothing in this section is intended to restrict your ability to share your honest opinions, experiences, or reviews regarding our Products or Services, in accordance with applicable law. This section survives termination.

No Guarantees. We cannot guarantee any outcome of using, consuming, participating or applying our Product(s) and/or Services. We make no guarantees other than that the Product(s) and/or Services shall be reasonably provided to you in accordance with these Terms. You acknowledge that Company cannot guarantee any results of the Products and/or Services as such outcomes are based on subjective factors (including, but not limited to, your participation/implementation/etc.) that cannot be controlled by the Company. Clients not achieving his or her desired results is not grounds for a refund, partial or otherwise.

Severability. If any term or provisions in this Agreement is found to be unlawful in any way, void or unenforceable, then that term or provision will be deemed severable from this Agreement and will not have any effect on the validity or enforceability of the Agreement and any remaining terms and provisions.

Prompt Enforcement. The failure of either party to promptly enforce this Agreement or any of its terms shall not be deemed to be a waiver of enforcement or implied modification of the Agreement regardless of the number of times or the frequency with which any such term is violated.

Attorney’s Fees. In the event of any controversy, claim or dispute between us, arising out of or related to this Agreement or the breach of this Agreement, the prevailing party shall be entitled to recover from the other party all costs incurred including attorney’s fees.

Entire Agreement. The Terms constitute the entire agreement between us and you as it relates to your use and access to our Site, Products and Services.

Term and Termination. This Agreement remains in effect while you access or use any part of our Products, or Services. We may, at our sole discretion, suspend or revoke your access to our Products, or Services (including your user account), or terminate this Agreement at any time and for any reason, including if you violate any part of this Agreement.

If this Agreement is terminated, your user account and all rights to access or use the Site, Products, and Services will end immediately. You acknowledge that termination may result in the deletion of your user content from our active systems. We are not responsible for any loss or damages resulting from the termination of your user account or the deletion of your content. All provisions of this Agreement will end upon termination, except for those that, by their nature, are intended to survive.

Email Communications. By making a purchase or providing your contact information, you consent to receiving electronic communications from us, including newsletters, promotions, and updates. These emails will be sent to the provided email address. You can opt out anytime by clicking on the “unsubscribe” link, though non-promotional emails related to your account or transactions may still be sent. You may withdraw consent, but this might affect access to certain services and updated information.

Account Creation. You may be required to provide information about yourself including your name, email address, username, password, and other personal information to use our Site, Products and/or Services. You agree that any registration information you give to the Company will always be accurate, correct, and up to date. You agree to not impersonate someone else or provide account information or an email address other than your own. Your account must not be used for any illegal or unauthorized purpose. You must not, in the use of the Service, violate any laws in your jurisdiction.

You are responsible for keeping your Account login credentials secure and for all activity that occurs under your Account. If you suspect any unauthorized use of your Account or any other security breach, you agree to notify us immediately and change your password, if able to. We are not liable for any loss or damage resulting from your failure to safeguard your login information. Your Account is personal to you and should not be shared with others. Any violation of these Terms are grounds for removal and banishment from the Site or from our Products and/or Services at our discretion. No refunds, partial or otherwise, will be provided in this type of situation.

Related Third Party Privacy Policies. You understand and agree that any communication you send to us, whether via email, direct message, social media, or other means, is not confidential or privileged. We may share such communications with third-party service providers or vendors in connection with our business operations. Additionally, when you make a purchase from us, your personal and non-personal information may be collected, stored, or processed by third-party vendors who assist with payment processing, order fulfillment, customer management, or other support services. These third parties operate independently and may have their own privacy policies and security practices, which are different from ours. We are not responsible for the independent practices, policies, or actions of any third-party vendors.

Force Majeure. Neither Party shall be held liable or responsible to the other party nor be deemed to have defaulted under or breached this Agreement for failure or any delay in providing access to, fulfilling or performing any obligation under these Terms when such failure or delay is caused by or results from causes beyond the reasonable control of the affected Party, including but not limited to fire, floods, embargoes, war, acts of war, insurrections, riots, strikes, lockouts or other labor disturbances, pandemics,

epidemics, outbreaks of diseases, national emergencies and/or public health crisis, environmental crisis, climate related crisis, industrial disturbances such as labor shortages, strikes or work stoppages, server related issues such as data breaches, data losses, or cloud storage disturbances, power outages or disruptions to communication or internet services, third-party platform-related disturbances, disappearance or cessation of business by you and/or the Company, or acts of God (“Force Majeure Events”); provided, however, that the party so affected shall use reasonable commercial efforts to avoid or remove such causes of nonperformance, such as restoring full access to the Products and/or Services, and shall continue performance hereunder with reasonable dispatch whenever such causes are removed. Either Party shall provide the other party with prompt written notice of any delay or failure to perform that occurs by reason of Force Majeure Events when able to do so. If the Force Majeure Events continues for more than 30 days, either party may terminate this Agreement upon written notice to the other party. Please note a Force Majeure Events does not constitute a reason for a refund and none will be provided to you if you are unable to access and/or use the Products due to the Force Majeure Events.

PLEASE READ THE FOLLOWING SECTION CAREFULLY. IT AFFECTS YOUR RIGHTS AND WILL HAVE A SUBSTANTIAL IMPACT ON HOW CLAIMS YOU AND THE COMPANY HAVE AGAINST EACH OTHER ARE RESOLVED.

Governing Law. Any disputes arising out of or related to these Terms, including our Site, Products, and/or Services, shall be governed and construed by Florida’s state or federal courts, and apply Florida law, regardless of principles or conflicts of law.

Jurisdiction/Venue. Further, any disputes arising out of or related to these Terms, including without limitation our Site, Products, and/or Services, shall be brought within the State of Florida, County of Hillsborough City of Tampa.

Class Action Waiver. You agree that any dispute arising out of or relating to this Agreement shall be solely between you and the Company.

YOU AGREE TO WAIVE THE RIGHT TO LITIGATE IN COURT OR ARBITRATE ANY CLAIM OR DISPUTE AS A CLASS ACTION. YOU AGREE THAT YOU WILL ONLY MAKE CLAIMS AGAINST US IN YOUR INDIVIDUAL CAPACITY, AND CANNOT MAKE CLAIMS AGAINST US AS A MEMBER OF A CLASS OR AS A REPRESENTATIVE.

Claim Limitations. To the fullest extent permitted by law, you agree that any claim or cause of action arising out of or related to your use of the Services must be filed within one (1) year after such claim or cause of action arose. If not filed within that time, the claim is permanently barred.

Agreement to Arbitrate. You agree that any dispute or claim arising out of or relating to your use of the Site, Products, and/or Services provided by the Company, including without limitation any communications, purchases, or interactions, will be resolved exclusively through final and binding arbitration, rather than in court, except that either party may bring a qualifying claim in small claims court exclusively in the jurisdiction set forth in these Terms, so long as such matters remain in such court and proceeds only on an individual (non-class, non-representative) basis.

The arbitration will be conducted by JAMS Arbitration (“JAMS”) under its applicable rules and procedures, as modified by this Agreement to Arbitrate. The arbitration will be conducted before one commercial arbitrator with substantial experience in resolving commercial contract disputes. Your rights will be determined by a neutral arbitrator and not a judge or jury, and you understand that arbitration procedures can be more limited than rules applicable in court. Arbitrator decisions are as enforceable as any court order and are subject to very limited review in court.

You and we must abide by the following rules:

(a) ANY CLAIMS BROUGHT BY YOU OR US MUST BE BROUGHT IN THE PARTIES’ INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING;

(b) THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON’S CLAIMS, MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A REPRESENTATIVE OR CLASS PROCEEDING, AND MAY NOT AWARD CLASS-WIDE RELIEF,

(c) the arbitrator will honor claims of privilege and privacy recognized at law;

(d) the arbitration will be confidential, and neither you nor we may disclose the existence, content or results of any arbitration, except as may be required by law or for purposes of enforcement of the arbitration award;

(e) the arbitrator may award any individual relief or individual remedies that are permitted by applicable law; and

(f) each party shall bear its own attorneys’ fees and expenses unless there is a statutory provision that requires the prevailing party to be paid its fees and litigation expenses, and then in such instances, the fees and costs awarded will be determined by the applicable law.

With the exception of subparts (a) and (b) in the paragraph above (prohibiting arbitration on a class or collective basis), if any part of this arbitration provision is deemed to be invalid, unenforceable or illegal, or otherwise conflicts with rules of law then the balance of this arbitration provision will remain in effect and will be construed in accordance with its terms as if the invalid, unenforceable, illegal or conflicting provision were not contained herein. If, however, either subpart (a) or (b) is found to be invalid, unenforceable or illegal, then the entirety of this arbitration provision will be null and void, and neither you nor we will be entitled to arbitration. If for any reason a claim proceeds in court rather than in arbitration, the dispute will be exclusively brought in jurisdiction set forth in these Terms.

Each party shall bear its own legal fees and costs associated with the arbitration, unless a statute or rule entitles the prevailing party to recover attorneys’ fees and expenses.