Welcome to Finances On Point (“we,” “our,” “us”). These Terms and Conditions (“Terms”) govern your use of our website, digital products, coaching programs, online courses, and other services (collectively, the “Services”).
By accessing or using our Services, you agree to be bound by these Terms. If you do not agree, please do not use our website or purchase our products.
1. Educational Purpose Only
All content provided through Finances On Point—including blog posts, digital courses, coaching sessions, webinars, templates, and any related materials—is for educational and informational purposes only.
We are not financial advisors, investment advisors, or tax professionals. Nothing on this site constitutes personalized financial, investment, legal, or tax advice. Always consult a qualified professional before making financial decisions.
2. Eligibility
By using our Services, you confirm that you are at least 18 years old and legally able to enter into this agreement.
3. Payment and Refund Policy
- Payment is required in full at the time of purchase unless a payment plan is offered.
- If a payment plan is selected, you agree to complete all scheduled payments. Failure to complete payments may result in suspension or removal from programs.
- Due to the digital nature of our products and immediate access provided, all sales are final unless otherwise stated on the specific product page.
- For coaching programs or memberships, refund policies will be clearly outlined before enrollment.
4. Intellectual Property
All materials provided by Finances On Point—including videos, guides, templates, frameworks, and course content—are the intellectual property of Finances On Point and are protected by copyright laws.
You may not reproduce, distribute, modify, or share any materials without prior written consent. Limited personal use is permitted for your own financial education and growth.
5. User Conduct
You agree not to:
- Use our site or programs for unlawful or harmful purposes.
- Copy, reproduce, or distribute our materials without permission.
- Share your login or purchased materials with others.
We reserve the right to remove any user who violates these terms without refund.
6. Testimonials and Results Disclaimer
Testimonials on this site reflect individual experiences and results, which vary based on personal effort, commitment, and circumstances. We make no guarantees of financial results or earnings.
Your success depends on your actions, discipline, and application of the concepts taught.
7. Limitation of Liability
Finances On Point and its team are not liable for any damages, losses, or claims arising from your use of our website or products, including but not limited to financial loss, business loss, or emotional distress.
By using our Services, you agree to hold us harmless for any outcomes resulting from applying the information provided.
8. Privacy Policy
Your privacy is important to us. We collect and process your personal data in accordance with our Privacy Policy.
9. Links to Third-Party Sites
We may include links to third-party resources for your convenience. We are not responsible for the content or practices of those sites.
10. Changes to These Terms
We reserve the right to modify or update these Terms at any time. Any updates will be posted on this page with the revised date. Continued use of the Services constitutes your acceptance of the new Terms.
11. Governing Law
These Terms are governed by the laws of the State of South Carolina, United States, without regard to conflict of law principles.
12. Contact Information
If you have any questions about these Terms, please contact us at:
📧 hello@financesonpoint.com
🌐 www.financesonpoint.com