Terms of Service

Last Updated: October 26, 2023

Welcome to FinCoach ("we," "our," or "us"). These Terms of Service ("Terms") govern your use of our website, [YourWebsiteURL.com] (the "Site"), and the financial literacy coaching services, resources, and content provided through the Site (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Services.

1. Use of Our Services

Eligibility: You must be at least 18 years old to use our Services. By using our Services, you represent and warrant that you meet this age requirement.

License to Use Services: We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use our Services for your personal, non-commercial use, strictly in accordance with these Terms.

Prohibited Conduct: You agree not to:

  • Use the Services for any illegal purpose or in violation of any local, state, national, or international law.
  • Violate or encourage others to violate the rights of third parties, including intellectual property rights.
  • Post, upload, or distribute any content that is unlawful, defamatory, libelous, inaccurate, or that a reasonable person could deem to be objectionable, profane, indecent, pornographic, harassing, threatening, hateful, or otherwise inappropriate.
  • Interfere with security-related features of the Services.
  • Interfere with the operation of the Services or any user’s enjoyment of the Services, including by uploading or otherwise disseminating viruses, adware, spyware, worms, or other malicious code.
  • Attempt to access or search the Services or download content from the Services through the use of any engine, software, tool, agent, device, or mechanism (including spiders, robots, crawlers, data mining tools, or the like) other than the software and/or search agents provided by us or other generally available third-party web browsers.

2. Financial Information Disclaimer

The information provided through our Services, including financial literacy coaching, articles, tools, and resources, is for informational and educational purposes only. FinCoach is not a registered investment advisor, broker-dealer, financial analyst, financial bank, securities broker, or financial planner. The Services are not intended to provide, and should not be relied upon for, tax, legal, or investment advice.

You are solely responsible for your own financial decisions. We encourage you to seek independent professional advice from a qualified financial advisor who can consider your individual circumstances before making any financial decisions. We do not guarantee any particular financial outcome based on the use of our Services.

3. Accounts and Registration

To access certain features of our Services, you may be required to register for an account. When you register for an account, you agree to provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account password and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.

4. Fees and Payment

Certain Services or features may be subject to fees. All applicable fees will be clearly disclosed to you prior to your enrollment or purchase. You agree to pay all fees and applicable taxes incurred by you or anyone using an account registered to you. We may change our fees and billing methods at any time, and such changes will be posted on the Site and will be effective immediately without need for further notice to you.

5. Intellectual Property

All content and materials available on the Site and through the Services, including but not limited to text, graphics, website name, code, images, and logos, are the intellectual property of FinCoach or its licensors and are protected by applicable copyright and trademark law. Any inappropriate use, including but not limited to the reproduction, distribution, display, or transmission of any content on this site is strictly prohibited unless specifically authorized by FinCoach.

6. Termination

We may terminate or suspend your access to our Services, without prior notice or liability, for any reason whatsoever, including, without limitation, if you breach these Terms. Upon termination, your right to use the Services will immediately cease. If you wish to terminate your account, you may simply discontinue using the Services or contact us.

7. Disclaimers and Limitation of Liability

THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. FINCOACH EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTY THAT THE SERVICES WILL MEET YOUR REQUIREMENTS, BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE.

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL FINCOACH BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM (A) YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SERVICES; (B) ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE SERVICES; OR (C) UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT.

8. Indemnification

You agree to indemnify, defend, and hold harmless FinCoach and its affiliates, officers, agents, employees, and partners from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) that such parties may incur as a result of or arising from your (or anyone using your account’s) violation of these Terms.

9. Governing Law

These Terms shall be governed and construed in accordance with the laws of [Your State/Country, e.g., State of California, United States], without regard to its conflict of law provisions.

10. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Services after any revisions become effective, you agree to be bound by the revised terms.

11. Contact Us

If you have any questions about these Terms, please contact us at [Your Contact Email Address] or through our contact page.