Terms of Service

These Terms of Service ("Terms") govern your access to and use of the websites, content, products, and services offered by Financially Growing LLC ("Financially Growing", "we", "us", or "our"). Please read them carefully.

By accessing or using any of our websites, programs, digital products, or services (collectively, the "Services"), you agree to be bound by these Terms and by our Privacy Policy. If you do not agree to these Terms, do not use our Services.

1. Agreement to Terms

By using our Services, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into a binding contract, or if you are using the Services on behalf of a business or legal entity, that you are authorized to bind that entity to these Terms.

Your continued use of the Services following any update to these Terms constitutes acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using the Services.

2. Services and No Financial or Investment Advice

Financially Growing LLC provides educational content, coaching, frameworks, and tools designed to help individuals and businesses improve their understanding of financial concepts, money management, business growth, and related topics. All information, content, and materials made available through our Services are for educational and informational purposes only.

Nothing provided by Financially Growing LLC should be considered, or is intended to be, personalized financial advice, investment advice, tax advice, legal advice, accounting advice, or a recommendation regarding any financial product, strategy, or security. We are not a registered investment adviser, broker-dealer, tax advisor, or law firm, and we do not provide regulated financial, investment, or legal services.

You are solely responsible for evaluating any information provided and for any financial, business, or investment decisions you make. You should consult with a qualified financial advisor, tax professional, or attorney before making any decisions that could affect your finances or legal rights.

3. Eligibility, Accounts, and Accuracy of Information

To access certain features of the Services, you may be required to create an account, enroll in a program, or provide personal and payment information. You agree to provide accurate, current, and complete information and to keep this information up to date at all times.

You are responsible for maintaining the confidentiality and security of your account credentials and for all activities that occur under your account. You must notify us immediately of any unauthorized use of your account or any other breach of security. Financially Growing LLC is not liable for any loss or damage arising from your failure to protect your account credentials.

4. Fees, Payments, and Refunds

Certain Services, including courses, programs, coaching packages, memberships, or digital products, may require payment of fees. By purchasing any paid Service, you agree to pay the applicable fees and any related taxes using a valid payment method at the time of purchase or in accordance with any stated payment schedule (such as installments or subscriptions).

You authorize us or our third-party payment processors to charge the payment method you provide for all purchases you make and for any applicable recurring charges if you enroll in a subscription or payment plan. You are responsible for ensuring that your payment information is accurate and up to date.

Refunds, if offered, will be described on the specific sales page or enrollment page for the applicable Service. Any stated refund policy applies only as expressly described for that Service and may be subject to conditions such as completion of coursework, attendance, or documented effort. To the maximum extent permitted by law, if no refund policy is stated for a Service, all sales are final and non-refundable.

5. Intellectual Property and License to Use

All content, materials, and intellectual property made available through the Services—including but not limited to text, videos, audio, graphics, logos, trademarks, software, downloads, worksheets, frameworks, and course materials—are owned by or licensed to Financially Growing LLC and are protected by copyright, trademark, and other intellectual property laws.

Subject to your compliance with these Terms and any applicable purchase terms, Financially Growing LLC grants you a limited, personal, non-exclusive, non-transferable, and revocable license to access and use the content and materials solely for your own personal, non-commercial use or internal business use. You may not share, sell, resell, redistribute, reproduce, republish, upload, post, transmit, or otherwise exploit any content or materials for commercial purposes or for use by others without our prior written consent.

Any unauthorized use of our intellectual property or violation of this limited license may result in termination of your access to the Services and may expose you to legal liability.

6. User Conduct and Prohibited Activities

You agree to use the Services only for lawful purposes and in compliance with these Terms and all applicable laws and regulations. You agree that you will not, and will not attempt to:

• Copy, reproduce, distribute, publicly display, or create derivative works from the content or materials, except as expressly allowed by these Terms.
• Share your account, login credentials, or purchased materials with any other person or entity.
• Use the Services for any fraudulent, deceptive, or misleading activity.
• Interfere with or disrupt the operation of the Services or the servers or networks used to make the Services available.
• Reverse engineer, decompile, or disassemble any portion of the Services.
• Upload, post, or transmit any viruses, malware, or harmful code.
• Harass, abuse, or harm another user or any member of the Financially Growing LLC team.

7. Testimonials, Past Results, and Earnings Disclaimer

Any testimonials, case studies, examples, or success stories shared through the Services are exceptional results and are not typical. They are provided for illustrative and informational purposes only. They do not guarantee that you will achieve the same or similar results, and they should not be understood as promises or guarantees of future performance, income, or outcomes.

Your results depend on many factors, including but not limited to your background, experience, skills, discipline, implementation, market conditions, and the effort you invest. You acknowledge that there are inherent risks in any business or financial endeavor and that you assume full responsibility for your own decisions and outcomes.

8. Third-Party Links, Tools, and Services

Our Services may contain links to third-party websites, tools, software, or services that are not owned or controlled by Financially Growing LLC. These links are provided solely for your convenience and do not constitute an endorsement, sponsorship, or recommendation by us of any third party or its products or services.

We have no control over, and assume no responsibility for, the content, policies, or practices of any third-party websites or services. Your use of any third-party website or service is solely at your own risk and may be subject to the terms and privacy policies of those third parties.

9. Disclaimers of Warranties

To the maximum extent permitted by law, the Services and all content and materials are provided "as is" and "as available," without warranties of any kind, whether express, implied, or statutory. Financially Growing LLC expressly disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement, as well as any warranties arising out of course of dealing or usage of trade.

We do not warrant that the Services will be uninterrupted, secure, or error-free, that defects will be corrected, or that the Services or the servers that make them available are free of viruses or other harmful components. We do not make any guarantees regarding your individual results or outcomes from using the Services.

10. Limitation of Liability

To the maximum extent permitted by law, in no event will Financially Growing LLC, its owners, officers, employees, contractors, partners, or agents be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages, or for any loss of profits, revenues, data, goodwill, or other intangible losses arising out of or in connection with your use of or inability to use the Services, whether based on warranty, contract, tort (including negligence), or any other legal theory, even if we have been advised of the possibility of such damages.

To the extent any liability is found despite the foregoing, our total aggregate liability for any claim arising out of or relating to these Terms or the Services will be limited to the total amount you paid to Financially Growing LLC for the specific Service giving rise to the claim during the three (3) months preceding the event giving rise to the claim.

11. Indemnification

You agree to indemnify, defend, and hold harmless Financially Growing LLC and its owners, officers, employees, contractors, partners, and agents from and against any and all claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees and costs, arising out of or in any way connected with: (a) your use or misuse of the Services; (b) your violation of these Terms; (c) your violation of any third-party right, including any intellectual property or privacy right; or (d) any dispute between you and any third party related to your use of the Services.

12. Termination and Suspension

We reserve the right, in our sole discretion, to suspend or terminate your access to the Services, any account you have with us, or any portion thereof, at any time and without notice, if we believe you have violated these Terms, engaged in fraudulent or abusive behavior, or for any other reason we deem necessary to protect our business, users, or intellectual property.

Upon termination, your right to use the Services will immediately cease, and any licenses granted to you under these Terms will terminate. Any provisions of these Terms that, by their nature, should survive termination (including but not limited to intellectual property provisions, disclaimers, limitations of liability, and indemnification obligations) will survive termination or expiration of these Terms.

13. Governing Law and Dispute Resolution

These Terms and your use of the Services will be governed by and construed in accordance with the laws of the state in which Financially Growing LLC is organized, without regard to its conflict of laws principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply to these Terms.

You agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Services will first be attempted to be resolved through good-faith negotiations between you and Financially Growing LLC. If the dispute cannot be resolved informally, you agree to submit to the exclusive jurisdiction and venue of the state and federal courts located in the jurisdiction where Financially Growing LLC maintains its principal place of business, unless otherwise required by applicable law.

14. Changes to These Terms

We may update or modify these Terms from time to time in our sole discretion. When we do, we will update the "Last Updated" date at the top of this page and, where appropriate, provide additional notice (such as by email or a notice on our website).

Your continued use of the Services after the effective date of any changes constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, you must stop using the Services.

15. Miscellaneous

Entire Agreement. These Terms, together with any additional terms presented at the time of purchase and our Privacy Policy, constitute the entire agreement between you and Financially Growing LLC with respect to the Services and supersede all prior or contemporaneous agreements, communications, and proposals, whether oral or written, between you and us.

Severability. If any provision of these Terms is held to be invalid or unenforceable, that provision will be enforced to the maximum extent permissible, and the remaining provisions will continue in full force and effect.

No Waiver. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. Any waiver of any provision of these Terms will be effective only if in writing and signed by an authorized representative of Financially Growing LLC.

Assignment. You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations under these Terms at any time without notice.