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, and related materials (collectively, the “Services”).

By accessing or using our Services, you agree to be bound by these Terms. If you do not agree, discontinue use immediately.

1. Acceptance of Terms

By using our Services, you confirm 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 information

2. Changes to Terms

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

3. Use of Services

You agree not to:

• Use our Services for illegal or unauthorized purposes
• Interfere with or disrupt website functionality
• Attempt unauthorized access to any part of the Services
• Copy, distribute, or modify content without written permission

All materials—including worksheets, templates, videos, software, and digital products—are the intellectual property of Financially Mindful.

4. Coaching Services Disclaimer

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

• Legal advice
• Tax advice
• Investment advice
• Insurance guarantees

Coaching is educational and supportive. You are responsible for your own financial decisions.

5. Digital Products & Courses

All digital products are:

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

Unauthorized sharing or distribution of digital content is prohibited.

6. Payments

By purchasing a product or service, you agree to:

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

Failure to pay may result in suspension or termination of access to the Services.

7. Refunds

All sales are final for digital products, courses, workshops, and coaching unless specified otherwise. Refund exceptions may be granted at our discretion for duplicate charges or technical errors.

8. Appointments & Cancellations

If you book a consultation or coaching session:

• Please arrive on time
• Notify us at least 24 hours in advance to reschedule
• Missed appointments may be forfeited without refund

9. SMS/Text Messaging Terms & Conditions

This section describes how we use text messaging (SMS) in connection with our Services and is intended to meet carrier and industry requirements.

9.1 Types of Messages You May Receive

By opting in to receive SMS messages from Financially Mindful, you may receive messages such as:

• Appointment confirmations and reminders
• Follow-up messages after consultations, programs, or events
• Links to resources, worksheets, or materials you requested
• Account or billing-related notifications
• Support or service-related messages regarding your inquiries

9.2 SMS Consent Policy

We only send SMS messages to individuals who have provided valid consent. Phone numbers collected for SMS are used solely to communicate regarding the Services, resources, or appointments you request from Financially Mindful.

We do not sell, rent, or share your SMS opt-in consent or phone number with third parties or affiliates for their marketing purposes.

9.3 How You Opt In to SMS Messages

You may opt in to receive SMS messages from Financially Mindful in one or more of the following ways:

• Submitting an online form on our website or funnels that includes SMS consent language and a checkbox
• Providing your mobile number and agreeing to receive SMS during a consultation, call, or event
• Requesting resources, information, or appointments where SMS consent is clearly disclosed

By opting in through any of these methods, you agree to receive SMS messages related to the Services, resources, or appointments you request from us.

9.4 Message Frequency

Message frequency may vary. In general, you may receive a limited number of messages per month related to appointments, requested resources, account notifications, or service updates. We do not send excessive or spam-like messaging.

9.5 Message and Data Rates

Standard message and data rates may apply according to your mobile carrier plan. You are responsible for any charges incurred from your carrier as a result of receiving SMS messages from us.

9.6 How to Opt Out of SMS Messages

You can opt out of receiving SMS messages at any time by replying STOP to any message you receive from us.

After you text STOP, you will receive a confirmation message that you have been unsubscribed. You will no longer receive SMS messages from us unless you opt in again in the future.

You may also contact us directly at [email protected] to request removal from SMS messaging.

9.7 How to Get Help

If you need assistance with our SMS program, you can:

• Reply with the keyword HELP to any SMS message you receive from us, or
• Email us at [email protected]

9.8 Standard Disclosures

By opting in to SMS messages from Financially Mindful, you acknowledge and agree that:

• Message frequency may vary.
• Message and data rates may apply.
• You can opt out at any time by replying STOP.
• For assistance, you can reply HELP or contact us at [email protected].
• For more information, see our Privacy Policy at https://digital.financiallymindfulacademy.com/fm-privacy-page and these Terms & Conditions at https://digital.financiallymindfulacademy.com/fm-terms-conditions-page.

10. User Accounts

If you create an account for courses or programs:

• You are responsible for maintaining the confidentiality of your login credentials
• You may not share your login with others
• We may terminate accounts that violate these Terms

11. Intellectual Property

All content included in our Services—such as text, images, videos, worksheets, tools, branding, and software—is owned by Financially Mindful and protected under copyright law. You may not reproduce or distribute our content without written permission.

12. Limitation of Liability

To the fullest extent permitted by law, Financially Mindful is not liable for:

• Financial losses
• Business outcomes
• Data loss
• Indirect, incidental, or consequential damages
• Decisions made using our content or Services

Your use of the Services is at your own risk.

13. Indemnification

You agree to indemnify and hold harmless Financially Mindful from any claims, damages, or expenses arising from:

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

14. Third-Party Links

Our Services may include links to third-party websites or tools. We are not responsible for the content, policies, or practices of third-party sites.

15. 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 safety, compliance, or business reasons

16. Governing Law

These Terms are governed by the laws of the State of North Carolina, without regard to conflict of law principles.

17. Contact Information

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