Terms & Conditions

Last Updated: October 10, 2024


Welcome to Financially Mindful (“we,” “us,” or “our”). These Terms & Conditions (“Terms”) govern your use of our website, digital products, coaching services, courses, SMS/text messages, and related materials (collectively, the “Services”).


1. Acceptance of Terms


By accessing or using our Services, you agree that:

  • You are at least 18 years old.
  • You agree to comply with these Terms.
  • You have read and understood our Privacy Policy.
  • You will provide accurate and truthful information.

2. Changes to Terms


We may update these Terms at any time. Updates will be posted with a revised “Last Updated” date. Continued use of the Services after updates constitutes acceptance of the updated Terms.


3. Use of Services


You agree not to:

  • Use the Services for unlawful or prohibited purposes.
  • Interfere with or disrupt the functionality of the website or systems.
  • Attempt to gain unauthorized access to the Services or servers.
  • Copy, reproduce, modify, or distribute any materials without permission.

All content—including worksheets, templates, videos, tools, and digital products—is the property of Financially Mindful.


4. Coaching Services Disclaimer


We provide financial education and coaching. We do not provide:

  • Legal advice
  • Tax advice
  • Investment recommendations
  • Accounting services

Coaching is educational and supportive. All financial decisions are your responsibility.


5. Digital Products & Courses


All digital products are:

  • Delivered electronically
  • Non-refundable (unless otherwise stated)
  • Non-transferable
  • Intended for personal use only

Unauthorized sharing, copying, or distribution is prohibited.


6. Payments


By purchasing from us, you agree to:

  • Provide accurate billing and payment information
  • Pay all applicable fees
  • Authorize charges through our payment processor (e.g., Stripe)

Failure to pay may result in revoked access to Services.


7. Refunds


All sales are final for digital products, workshops, courses, and coaching unless otherwise specified. Exceptions may be granted for duplicate payments or technical issues.


8. Appointments & Cancellations


When you book a session:

  • Please arrive on time.
  • Provide at least 24 hours’ notice to reschedule.
  • Missed appointments may be forfeited.

9. SMS/Text Communication


By providing your phone number on any form, checkout page, or opt-in page, you consent to receive SMS/text messages from Financially Mindful, including but not limited to:

  • Appointment reminders
  • Follow-up messages
  • Support and customer service messages
  • Resource links and requested materials
  • Program or course-related updates

Message frequency may vary.

Message and data rates may apply.

Reply STOP at any time to unsubscribe.

Reply HELP for assistance.

Visit www.financiallymindful.com for additional support.


10. SMS Terms of Service


By opting in to SMS messaging through a web form or any other medium, you agree to receive SMS messages from Financially Mindful. This includes external conversational messages related to your inquiries, appointments, purchases, or participation in our programs.

Message frequency varies.

Message and data rates may apply.

Reply STOP to opt out of SMS/text messages at any time.

Reply HELP for assistance or visit www.financiallymindful.com.

See our Privacy Policy at: https://digital.financiallymindfulacademy.com/fm-privacy-page


11. User Accounts


If you create an account for courses or programs, you agree to:

  • Keep your login information confidential
  • Not share your account with others
  • Be responsible for all activity under your account

12. Intellectual Property


All content within our Services is owned by Financially Mindful and protected by copyright law. You may not reproduce, distribute, or modify any materials without written permission.


13. Limitation of Liability


Financially Mindful is not liable for:

  • Financial outcomes or losses
  • Business impacts
  • Data loss
  • Indirect or incidental damages
  • Decisions made based on information from our Services

14. Indemnification


You agree to indemnify and hold Financially Mindful harmless from claims arising out of:

  • Your use of the Services
  • Your violation of these Terms
  • Your infringement of third-party rights

15. Third-Party Links


We are not responsible for content, accuracy, or policies of third-party websites linked through our Services. Use such links at your own discretion.


16. Termination


We may suspend or terminate access to our Services without notice if:

  • You violate these Terms
  • You misuse our materials
  • We deem termination necessary for operational or legal reasons

17. Governing Law


These Terms are governed by the laws of the State of North Carolina.


18. Contact Information


Financially Mindful
10130 Mallard Creek Road, Suite 200
Charlotte, NC 28262
United States
Email: [email protected]