Terms & Conditions, Privacy Policy, and GDPR Compliance

 

The Website

The owners of this website, including all owner’s websites, take a proactive approach to user privacy and ensure the necessary steps are taken to protect the privacy of its users throughout your visiting experience. This website complies with all US laws and requirements for user privacy.

The General Data Protection Regulation (GDPR) took effect on May 25^th, 2018. Financial Coaching Institute, LLC updated its privacy policy to provide you with increased transparency into the personal data it collects, how it is used, and the controls you have over your personal data. By using the Financial Coaching Institute, LLC website, and all affiliated Financial Coaching Institute, LLC pages, you are accepting the practices described in this Privacy Policy.

Financial Coaching Institute, LLC knows that you care how information about you is used and shared, and we appreciate your trust that we will do so carefully and sensibly. The protection of your personal data, and compliance with GDPR is an especially important concern. We therefore deal with your personal data in compliance with the applicable legal data protection provisions.

 

If you have any questions or concerns, please contact the Financial Coaching Institute, LLC Data Protection Officer.

Financial Coaching Institute, LLC Data Protection Officer

Ashley Gilbert
Financial Coaching Institute, CEO

FINANCIAL COACHING INSTITUTE, LLC
PRIVACY NOTICE

Questions regarding this statement should be directed by e-mail to ashley@financialcoachinginstitute.com. You may also contact us at Financial Coaching Institute, LLC P.O. Box 1666, Callahan, FL 32011.

This Privacy Policy sets forth the policies and practices with respect to information or data that is received or gathered regarding members, visitors, and users (collectively “you” and “your”). www.financialcoachinginstitute.com and all related sites of Financial Coaching Institute, LLC may be referred to collectively as “www.financialcoachinginstitute.com”, “Financial Coaching Institute, LLC”, “us”, “we”, “Site”, “Website” or “the Company” CAREFULLY READ THIS PRIVACY POLICY BECAUSE BY YOUR USE OF THIS SITE AND ITS SERVICES YOU WILL BE EXPRESSLY SIGNIFYING THAT YOU AGREE TO THIS POLICY AND THAT YOU ASSENT TO THE TERMS OF THIS AGREEMENT, INCLUDING THE USE OF ANY PERSONAL INFORMATION THAT YOU SUPPLY OR THAT IS COLLECTED ABOUT YOU AS DETAILED IN THIS PRIVACY POLICY. IF YOU DO NOT EXPRESSLY AGREE WITH ALL OF THE TERMS OF THIS PRIVACY POLICY YOU SHOULD NOT USE THIS SITE OR ITS SERVICES.

HOW WE COLLECT MEMBER, VISITOR OR USER INFORMATION

The information we gather falls into two categories:

1. Information collected as a result of you navigating through the Site.
2. Personal information you voluntarily supply when you subscribe, order, post a message, photo, video, or sound recording, send a message to another user, or participate in a chat room, complete a survey, leave a review, enter a contest, or apply for a promotional product.

The first type of information we collect can be thought of as “passive” information in that we collect certain details about your visit to our site without you actively inputting any identifying information. This type of passive information that we collect and store in our databases, may include one or more of the following types of information (“Data”): your Internet Protocol (IP) address; the name of the domain name from which you access the Internet; the IP address of the Website from which you linked to the Site or our network of sites; browser data; email address data; and the date and time you access our Site and its functions. For example, when a visitor, member, subscriber, or other Site user requests web pages from the Site’s server, clicks on banners or other links or otherwise uses or views the Site’s services, products, or other functions, we or our agents may automatically collect some information (“Data”) about the visitor, member, subscriber, or user. This information may include the IP address from which the Site is being accessed, the pages or links that were requested, the special preferences or requests of the user and cookie information received from the computer of the visitor, member, subscriber, or user. While the collection of Data described above could be thought of as passive, the second way we collect information is more active.

For example, we may ask you to provide personal information. Whether or not you provide this personal information is completely optional. This “Optional Information” may include your name, username, e-mail address, physical address (or part of it such as your zip code), telephone number, gender, marital status, occupation, education and any special interests or affiliations. Additional “Optional Information,” such as a credit card number, expiration date, security code and billing address may be requested for participation in special promotions or offers, or for billing and shipping information. We may also use “Optional Information” to verify identity, and protect against fraud. When a subscriber, member or user of this Site sends any personal communication or correspondence, by any means, to the Site, another Site User, the Company or any employees, agents or representatives of Company or Site, we may collect and use any and all such information and all other Data regarding that communication including the I.P. address the communication originated from. Once you submit personal information to the Company or Site we may collect and store information about your activities on the Site.

COOKIES

This page covers the cookie policy for www.financialcoachinginstitute.com. We use cookies, IP addresses and other technologies to serve our users content and offerings that we think will help educate and entertain them or that we think may interest them.

What are Cookies?

Cookies are small bits of data or code that we use to track and identify people and their devices that come to our website, www.financialcoachinginstitute.com. We also use them to remember your preferences and education history with us.

Why We Use Cookies:

We use cookies to try and offer content relevant to you. For instance, if you told us you were interested in coming to a June workshop by filling out a form, we will show you content and send you emails and information about that event. If you decided to download a guide about “Investing for Retirement” we may send you other education and content about investing for retirement and related investing content. If you’ve taken any of our courses, we may send or display information on our training programs. Simply put, cookies help track where you are in your educational journey with us. They inform us as to what kind of content we should offer you. This website uses cookies to better the users experience while visiting the website. Where applicable this website uses a cookie control system allowing the user on their first visit to the website to allow or disallow the use of cookies on their computer/device. This complies with recent legislative requirements for websites to obtain explicit consent from users before leaving behind or reading files such as cookies on a user’s computer/device. Since cookies are small files saved to the user’s computer’s hard drive that track, save, and store information about the user’s interactions and usage of the website, this allows the website, through its server to provide the users with a tailored experience within this website. Users are advised that if they wish to deny the use and saving of cookies from this website on to their computers hard drive, they should take necessary steps within their web browsers security settings to block all cookies from this website and its external serving vendors. By setting your browser to refuse cookies, the drawback is that certain features of the Site may not function properly without the aid of cookies.

This website uses tracking software to monitor its visitors to better understand how they use it. This software is provided by Google Analytics, which uses cookies to track visitor usage. The software will save a cookie to your computer’s hard drive, in order to track and monitor your engagement and usage of the website, but will not store, save, or collect personal information. You can read Google’s privacy policy here for further information [ http://www.google.com/privacy.html ].

Other cookies may be stored to your computer’s hard drive by external vendors when this website uses referral programs, sponsored links, or advertisements. Such cookies are used for conversion and referral tracking and typically expire after 30 days, though some may take longer. No personal information is stored, saved, or collected.

The Importance of Cookies

Cookies are vital to us running our website, newsletter, blog, and online educational offerings. Without them, we wouldn’t be able to properly track your experience on our website or make improvements to your experience.

KINDS OF COOKIES WE USE:

Analytics Cookies & Tracking

These cookies help us track your use of our website and help us improve the way it works. Analytics cookies let us know what content you find interesting or educational by letting us know how many people actually read it, how many people leave the page without reading it and so on. They also let us know when pages aren’t working technically. By looking at the data cookies provide us, we can ensure that our users are accessing our content easily and without frustration.

Advertising Cookies

Advertising or tracking cookies collect information regarding how you interact with our site and pages you have visited so that we can remind you of content and events that you have shown interest in previously through online advertising. Using cookies, we sometimes run paid advertising campaigns based on your history with our website. This is called “online behavioral advertising” (OBA).

For example, you may have inquired about one of our workshops. Days later as you look at Yahoo Finance, for example, you may see an advertisement from us urging you to enroll in our workshop. This helps us make sure we manage our workshops effectively, by making sure that people who want to come to our events and have expressed interest, actually show up to the event!

We use Google Double Click and other Google services to help us advertise to you in our advertising networks. To learn more about Google Double Click go here.

 

Ads appearing on any of our websites may be delivered to users by advertising partners, who may set cookies. These cookies allow the ad server to recognize your computer each time they send you an online advertisement to compile information about you or others who use your computer. This information allows ad networks to, among other things, deliver targeted advertisements that they believe will be of most interest to you. This Privacy Policy covers the use of cookies by Financial Coaching Institute, LLC and does not cover the use of cookies by any advertisers.

Tracking URLs or UTMS

We sometimes create unique tracking links and use them to count how many clicks on our page and email content we get.

Web beacons

We use web beacons to count the number of users who visit our website or web pages. This technology allows us to see how successful our content has been, including letting us know if our email or messaging has actually been delivered successfully to you. They track and verify clicks and links we place in emails. By measuring your clicks, we distinguish what content entertains and engages you best and then modify our messaging.

Flash cookies

Adobe Flash Player requires us to use Adobe Flash cookies. They help us remember your settings and preferences.

Social Media Cookies

These cookies allow us to integrate social media functions into our Site and may also be used for advertising purposes.

Managing cookies

Most modern browsers are set to accept cookies by default, but you can change your settings to notify you when a cookie is being set or updated, or to block cookies altogether. Please consult the “Help” section of your browser.

Controlling OBA cookies

The “Your Online Choices” website youronlinechoices.com provides more information about controlling cookies. It also provides an easy way to opt out of behavioral advertising from each (or all) of the networks represented by the European Interactive Digital Advertising Alliance youronlinechoices.com/uk/your-ad-choices.

Controlling Flash cookies

You can manage the use of Flash technologies with the Flash management tools available at Adobe’s website, at adobe.com/devnet/flashplayer/articles/privacy.html.

Controlling web beacons

You can prevent web beacons from tracking your activity, although you won’t be able to decline receiving them in emails. For information about managing your cookie options, please click here.

Please note that by blocking any or all cookies you may not have access to certain features, content, or personalization available on our websites, or apps.

Cookies are one of the tools that we use to passively collect Data.

Internet cookies are alphanumeric identifiers that transfer to your computer’s hard drive through your Web browser to enable our systems to recognize your browser and to provide personalized features and marketing. Cookies are used for authenticating, tracking, and maintaining specific information about users, such as site preferences or shopping cart contents. Most Internet browsers allow the option to enable or disable cookies. You may disable cookies, but this may make portions of this Site unusable. Cookies are simple pieces of data unable to perform any operation by themselves. They are neither spyware nor viruses, despite the detection of cookies from certain sites by many anti-spyware products. This Site uses cookies to make the browsing experience of our members, subscribers, and users more efficient and convenient. Our system will use cookies to remember your web preferences, and to assist us in tracking and targeting the interests, preferences, and desires of our Site users to present the most appropriate messages, offers and other communications to our users, and to enhance their experience at our Site. Any and all information about Site visitors, members, subscribers, or users collected by the Company, the Site or any agents or affiliates of Company or Site, through the use of cookies or other similar means may be included in our database and used in a manner consistent with this Privacy Policy.

We use remarketing pixels from sites including, but not limited to, Google, Facebook, and Twitter to aid in customized, targeted follow-up advertising. These third-party vendors show our ads on sites across the Internet by using cookies based on past visits to our website. Anyone can opt-out of Google’s use of cookies by visiting Google’s Ads Settings. Anyone can opt-out of a third-party vendor’s use of cookies by visiting the Network Advertising Initiative opt-out page.

YOU MAY ENCOUNTER THIRD PARTIES ON OUR SITE

We want to inform you that third parties such as affiliates and advertisers use cookies on or in association with our Site. We often have no access or control over these cookies. We may also allow third party service providers to deliver exclusive offers or services to Site users. We urge you to consult the privacy policies of any third party that you encounter on this Site.

CLEAR GIFS (“WEB BEACONS”)

Clear GIFs, also known as “web beacons” or “single-pixel GIF’s” are small images (typically 1 x 1 pixel) that help websites understand their customers better. While any type of file can operate as a web beacon, clear GIFs are most popular because their very small file size prevents them from interfering in the websites’ operation. Clear GIFs function like cookies, in that they are used to track and measure online actions taken by website users. In contrast to cookies clear GIFs are not stored on a user’s hard drive, but are embedded into the graphics, text, or other components of web pages. Web pages and graphical emails use codes that tell your computer what to do when a page is opened. While they typically contain text and graphics that you see on the screen, often web pages also contain instructions or tags that then ask the website’s server to send you further content (such as an image or a block of text that changes frequently). Web beacons are retrieved in the same way as the text and graphics that you see on a website or in an email, and the action of calling the material from another server allows the event to be counted. When a user’s browser requests information from our Site, we may use GIFs to gather “passive” information such as the IP address of your computer; the time the material was viewed; the type of browser that retrieved the image; and the prior existence of cookies from our Site. This is information that could be gathered through the use of cookies. Web beacons do not give any “extra” information away. They are simply a convenient way for us to gather simple statistics and manage cookies. Clear GIFs may be used by third parties to monitor activity on the Site. Turning off the browser’s cookies will prevent web beacons from tracking your specific activity, but web beacons may still record an anonymous visit from your IP address.

HOW WE USE AND SHARE DATA AND PERSONAL INFORMATION

We use the information described in the paragraphs above for a variety of functions. In addition to using cookies, Data and Optional Information in the ways described above, we use this information to measure the number of visitors to the Site, to measure how traffic is generated and where it comes from; to track the success of our affiliate program and its individual affiliates (with whom this information may be shared); to track the receipt and success of customer newsletters, promotional programs, special offers and advertisements; and to generate and provide our marketing partners, affiliates, licensees, purchasers and successors in interest with accurate statistics on the performance of the Site. We also use cookies, Data and Optional Information to track customer preferences and to adapt our products and services to those preferences. Any personal information that you supply to us remains your personal property. However, by submitting your information to the Website, you grant Financial Coaching Institute, LLC and any third-party affiliates or subsidiaries of Financial Coaching Institute, LLC the right to use that information for marketing purposes, and agree to receive email marketing from the Website. We may maintain separate email lists for different purposes. In order to end your email subscription to a particular list, you must follow the instructions on how to unsubscribe contained in every email correspondence that you receive from Financial Coaching Institute, LLC. Unsubscribing from one list will not automatically unsubscribe you from all email lists. We only send email marketing to individuals that have agreed, whether by visiting this Website or through third party websites, to receive email marketing from Financial Coaching Institute, LLC or its affiliates and partners. Though we make every effort to preserve user privacy, we may be required to disclose personal information in some instances, such as: 1) when required by law wherein we have a good faith belief that such action is necessary to comply with a judicial proceeding, court order, and/or subpoena; 2) in the event that Financial Coaching Institute, LLC is sold or acquired; or 3) in the event that we believe that the Website is being, or has been, used in violation of our terms and conditions or to commit unlawful acts. Moreover, you hereby consent to the disclosure of any record or communication to any third party when Financial Coaching Institute, LLC, in its sole discretion, determines the disclosure to be appropriate including, without limitation, sharing your email address with other third parties for suppression purposes in compliance with the provisions of the CAN-SPAM Act of 2003, as amended from time-to-time. In the past our customers have requested we introduce them to other programs and offers that Financial Coaching Institute, LLC endorses and thinks its customers would benefit from; therefore, on occasion, Financial Coaching Institute, LLC may share, license, or sell your information to third parties for various marketing purposes, including but not limited to e-mail marketing, telemarketing, text messaging, and direct mail.

HOW WE PROTECT YOUR INFORMATION

To prevent unauthorized access, maintain data accuracy and to ensure the appropriate use of information, we have put in place physical, electronic, and managerial procedures to protect the information we collect online. We shall continue to take reasonable steps to provide effective data protection at all times, however, no security technology can provide invulnerability to information compromise. Therefore, Financial Coaching Institute, LLC cannot, and does not, guarantee the security of any information that you transmit to us or to any third party affiliated with the Site. It is important for you to protect against unauthorized access to your password and to your computer. Be sure to sign off when finished using a shared computer.

SECURITY

We work to protect the security of your information during transmission by using Secure Sockets Layer (SSL) software, which encrypts the information you input.

We reveal only the last five digits of your credit card numbers when confirming an order. Of course, we transmit the entire credit card number to the appropriate credit card company during order processing. It is important for you to protect against unauthorized access to your password and to your computer. Be sure to sign off when finished using a shared computer.

Security for all personally identifiable information is extremely important to us. Unfortunately, no data transmission over the internet can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, The Company cannot ensure or warrant the security of any information you transmit via the internet. By transmitting any such information to the Company, you accept that you do so at your own risk.

CHOICE/OPT-OUT

If you are a newsletter subscriber, you always have the option of no longer receiving them. At the bottom of each newsletter there is an opt-out option. Simply click on “Please click here to unsubscribe.”

CORRECT/UPDATE

Our customers can correct, access, and update pertinent Personally Identifiable Information obtained through the site. Mechanisms include online, email, telephone, postal mail, etc. This helps to ensure that the information we collect is accurate and up to date. You can correct, access, and update your personal information by e-mailing Support.

 

CONTACT & COMMUNICATION

Users contacting this website and/or its owners do so at their own discretion and provide any such personal details requested at their own risk. Your personal information is kept private and stored securely until a time it is no longer required or is of no use, as detailed in the Data Protection Act 1998. Every effort has been made to ensure a safe and secure form to email submission process but advise users using such form to email processes that they do so at their own risk.

This website and its owners use any information submitted to provide you with further information about the products/services they offer or to assist you in answering any questions or queries you may have submitted. This includes using your details to subscribe to any email newsletter program the website operates but only if this was made clear to you and your express permission was granted when submitting any form to email process. Or whereby you the consumer have previously purchased from or inquired about purchasing from the company a product or service that the email newsletter relates to. This is by no means a complete list of your user rights in regard to receiving email marketing material. Your details are not passed on to any third parties.

EXTERNAL LINKS

Although this website only looks to include quality, safe and relevant external links users should always adopt a policy of caution before clicking any external web links mentioned throughout this website.

The owners of this website cannot guarantee or verify the contents of any externally linked website despite their best efforts. Users should therefore note they click on external links at their own risk and this website, and its owners, cannot be held liable for any damages or implications caused by visiting any external links mentioned.

SOCIAL MEDIA PLATFORMS

Communication, engagement, and actions taken through external social media platforms that this website and its owners participate in are custom to the terms and conditions as well as the privacy policies held with each social media platform, respectively.

Users are advised to use social media platforms wisely and communicate / engage with them with due care and caution in regard to their own privacy and personal details. This website nor its owners will ever ask for personal or sensitive information through social media platforms and encourage users wishing to discuss sensitive details to contact them through primary communication channels such as by telephone or email.

This website may use social sharing buttons which help share web content directly from web pages to the social media platform in question. Users are advised before using such social sharing buttons that they do so at their own discretion and note that the social media platform may track and save your request to share a web page respectively through your social media platform account.

SHORTENED LINKS IN SOCIAL MEDIA

This website and its owners through their social media platform accounts may share web links to relevant web pages. By default, some social media platforms shorten lengthy urls [web addresses].

Users are advised to take caution and use good judgement before clicking any shortened urls published on social media platforms by this website and its owners. Despite the best efforts to ensure only genuine urls are published many social media platforms are prone to spam and hacking and therefore this website and its owners cannot be held liable for any damages or implications caused by visiting any shortened links.

TERMS OF USE, NOTICES, AND REVISIONS

If you choose to visit Financial Coaching Institute, LLC, your visit, and any dispute over privacy is subject to this Notice and our Conditions of Use, including limitations on damages, arbitration of disputes, and application of the law of the state of Florida. Our business changes constantly. This Notice and the Conditions of Use will change also, and the use of information that we gather now is subject to the Privacy Notice in effect at the time of use.

UPDATES AND REVISIONS TO THIS POLICY

This Site reserves the right, in its sole and absolute discretion, to revise, amend, modify, or revoke this Privacy Policy at any time and in any manner. Changes to this Privacy Policy will be effective upon the posting of any revision on the Site. Your continued use of this Site after any change in this Privacy Policy will constitute your acceptance of such change.

CONTACT INFORMATION

If users have any questions or suggestions regarding our privacy policy, please contact us at:

Financial Coaching Institute, LLC
Email: ashley@financialcoachinginstitute.com
P.O. Box 1666, Callahan, FL 32011
Website: www.financialcoachinginstitute.com

 

 

 

TERMS AND CONDITIONS OF USE

Terms and Conditions of Use for Financial Coaching Institute, LLC
Last Updated on April 17, 2024.

NOTICE: These Terms and Conditions of Use are legally binding. It is Your responsibility to read these Terms and Conditions of Use carefully prior to purchase, use, or access of any of our products, including online courses.

GENERAL PROVISIONS

This Offering is owned and operated by Financial Coaching Institute, LLC. Our principal place of business is located in Florida.

TERMS OF SITE & COURSE ACCESS AND PRODUCT PURCHASER AGREEMENT

All programs, products, and services are owned and provided by Financial Coaching Institute, LLC (“Company” or “We” or “Us” or “Our”). The term “You” or “Your” refers to any user or purchaser of said program(s), product(s), or service(s) (the “Offering”).

These Terms and Conditions of Use govern and define how You are allowed to use and access Information contained inside the membership program. We reserve the right to update and change these Terms and Conditions of Use at any time, and will update them accordingly with the ‘date last updated’ at the top of this Page.

You are legally bound to these Terms and Conditions of Use whether or not You have read them. If You do not agree with any of Our Terms and Conditions of Use, please email Us at ashley@financialcoachinginstitute.com and We will make reasonable efforts to remove Your name, email, and access to membership and website(s).

YOUR PRODUCT OR COURSE USE AND CONSENT

When You purchased and product, service, or membership from Financial Coaching Institute, You were given a reasonable notice that these Terms and Conditions of Use existed. By moving forward with Your purchase of the Financial Coaching Institute and further access of the Offering, You implicitly agreed and continue to agree to abide by these Terms and Conditions of Use, as well as any disclaimers and privacy disclosures contained in these Terms and Conditions of Use.

You agree You are at least 18 years old or of age in Your applicable jurisdiction to access the Financial Coaching Institute. Access to Financial Coaching Institute and related materials by a minor is a violation of use, and We reserve the right to terminate Your access if such an issue is discovered.

INTELLECTUAL PROPERTY NOTICE

All images, text, designs, graphics, trademarks, and service marks are owned by and property of Financial Coaching Institute, LLC, or the properly attributed party. It is a violation of federal law to use any of Our intellectual property in whole or in part, and modification of any materials contained on this site is illegal and may be prosecuted to the fullest extent permissible should We choose to do so, including asking for financial penalties (damages) and/or an injunction forcing You to stop using Our intellectual property immediately.

You may NOT use Our intellectual property in any way, which includes republishing any text, image, design, or other property on another website, or posting a quote or image from Our site to any third-party website including social media. We have spent a great deal of time and money building the intellectual property located on this site and in order to maintain the integrity of it, therefore, We cannot allow any third-party use.

Online Course Intellectual Property

LIMITED LICENSE

Any and all materials, paid or free, that You access on this or any related domains that contain Our offerings are under the sole ownership or licensed use of Financial Coaching Institute, LLC. To be clear, We own Our page layout and design, overall look and appearance, individual graphics, icons, videos, logos, taglines, and trademarks (common law or federally registered). You are not allowed to reproduce any part of Our website(s), program(s), product(s), service materials, or related communications.

You are only receiving a limited, non-transferable, non-exclusive, revocable license for non-commercial use only in order to access any content or materials in the Offering You have paid for or opted to receive. If You exceed the scope of this license, as determined by a legal authority such as a court of law or the Trademark Trials and Appeals Board, You have committed infringement in a manner that materially harms Us, and We have the right to seek damages and/or an injunction to remedy the situation until We are made whole.

You may:

• Access Financial Coaching Institute, LLC’s website for your personal use.
• Download and/or print any materials for your personal use in your business.
• Use our trademarks and copyrighted materials with our consent and proper credit and marking, namely, citing © Financial Coaching Institute, LLC as the source of the materials and marking any federally registered trademarks with ® or common law trademarks with ™.

You may not:

• Re-sell, give away, or trade your access to Financial Coaching Institute, LLC content and materials.
• Share any of the trainings with anyone else who has not yet purchased it or opted in to receive it.
• Reprint or republish any of the trainings, in part or in whole.
• Distribute any of the materials contained in the membership, courses, or portal or related materials and/or communications as your own, otherwise known as stealing.
• Reproduce and tweak any part or whole of the trainings for distribution as your own work.
• Claim ownership or use over any of our intellectual property without our prior consent, which includes (but is not limited to): copyrights such as course materials, worksheets, workbooks, lessons, videos, and more; trademarks such as names, logos, taglines, or other unique source identifiers; or trade dress including the look and feel of the offering (and its related communications and materials).
• Use our offering or any related materials and/or communications in an unlawful way or for any illegal or unlawful purpose(s).

 

REQUEST FOR PERMISSION TO USE CONTENT

If You wish to use, publish, or access any of our content, offering(s), or related materials, you must do so by requesting permission prior to commencing use of the same by emailing us at ashley@financialcoachinginstitute.com.

CIVIL AND CRIMINAL PENALTIES

Even though our offering is not necessarily something you can physically hold in your hand and walk away with, it is nevertheless considered theft to steal, infringe, or otherwise violate these Terms and Conditions of Use. We reserve the right to prosecute infringers to the fullest extent allowed by criminal or civil statute in any jurisdiction allowed. You explicitly consent to personal jurisdiction in Florida by opting into or purchasing any offering or accessing its related communications and/or materials.

YOUR MATERIALS AND CONTRIBUTIONS

By submitting a comment, photo, video, or other material(s) onto any website or platform owned or maintained by us, including but not limited to third-party access sites, such as our Facebook group(s) or online software platforms that we use to distribute our offering and related materials, You agree that We have a non-revocable, commercial license to re-publish Your submission in whole or in part unless You explicitly state that We may not do so with said submission. You have no right to privacy by accessing our offering or related materials, and We reserve the right to disclose Your participation in the same.

MODEL RELEASE

You must own the copyright to any image(s) You use by default or voluntarily on Our platforms or in our offering or related materials. You grant Us a commercial license to any image(s) You submit to Us by default, such as a Facebook profile photo or other profile image You voluntarily provide in accessing the Offering, or voluntarily upon Our request. Such a default or voluntary release of Your image and likeness may be used for any reasonable future business use.

NOTIFICATION OF USE

We are not obligated to notify you or anyone in photographs of our publication or other use of any image or images you submit by default or voluntarily.

Security and Assumption of Risk

SECURITY

It is Your responsibility to secure Your username and password from theft or any other means of unauthorized use that would violate these Terms and Conditions of Use. By utilizing these payment processors to gain access to the Offering, you indemnify Us and instead assume any and all risk or liability for the security of the payment details, and agree to be bound by the third-party payment processor’s applicable terms and conditions of use.

CONFIDENTIALITY

You have no right to confidentiality unless otherwise explicitly stated, such as in a subsequent client agreement, or otherwise implicitly agreed upon as mandated by law or fiduciary duty.

The Company respects Client’s privacy and insists that Client respects the Company’s and Program Participants (herein referred to as “Participants”). Thus, consider this a mutual non-disclosure agreement. Any Confidential Information shared by Program participants, or any representative of the Company is confidential, Proprietary, and belongs solely and exclusively to the Participant who discloses it. Parties agree not to disclose, reveal, or make use of any Confidential Information or any transactions, during discussions, on the forum or otherwise. Client agrees not to use such confidential information in any manner other than in discussion with other Participants during Program. Confidential Information includes, but is not limited to, information disclosed in connection with this Agreement, and shall not include information rightfully obtained from a third party. Both Parties will keep Confidential Information in strictest confidence and shall use the best efforts to safeguard the Confidential Information and to protect it against disclosure, misuse, espionage, loss, and theft. The Client agrees not to violate the Company’s publicity or privacy rights. Furthermore, Client will NOT reveal any information to a third party obtained in connection with this Agreement or Company’s direct or indirect dealings with Client including but not limited to; names, email addresses, third-party company titles or positions, phone numbers or addresses. Additionally, the Consultant will not, at any time, either directly or indirectly, disclose confidential information to any third party. Further, by purchasing this product you agree that if you violate or display any likelihood of violating this session the Company and/or the other Program participant(s) will be entitled to injunctive relief to prohibit any such violations to protect against the harm of such violations.

 

ASSUMPTION OF RISK

By accessing our offering and/or related materials, whether paid or unpaid, you assume all the risk of Your access and any subsequent actions You choose to take as a result of the influence, information, or educational materials provided to You.

YOUR COMMUNICATIONS

Any communications made through Our ‘contact,’ blog, blog comments, newsletter sign up, or other related pages, or directly to Our phones or mailing or email addresses is not held privileged or confidential and is subject to viewing and distribution by third parties. We own any and all communications displayed on Our website, servers, comments, emails, or other media as allowed by U.S. law, and will not give credit or pay royalties for unsolicited user-generated content such as blog comments or emails. For more information on when and how We store and use Your communications or any data provided by you in those communications, please refer to Our Privacy Policy on this page.

We maintain a right to republish any submission in whole or in part as reasonably necessary in the course of Our business. You agree not to submit any content or communications that could be illegal or serve an unlawful purpose, including, but not limited to communications that are potentially libelous or maliciously false, obscene, abusive, negligent, or otherwise harmful or Inappropriate.

DISCLAIMERS

Our website and related materials are provided for educational and informational use only. You agree to indemnify and hold harmless Our website and company for any direct or indirect loss or conduct incurred as a result of Your use of Our website and any related communications, including as a result of any consequences incurred from technological failures such as a payment processor error(s) or system failure(s).

While We may reference certain results, outcomes, or situations on this website, you understand and acknowledge that We make no guarantee as to the accuracy of third-party statements contained herein or the likelihood of success for you as a result of these statements or any other statements anywhere on this website. If You have legal, or financial questions, you should consult a lawyer, or CPA and/or CFP, respectively. We expressly disclaim any and all responsibility for any actions or omissions You choose to make as a result of using this website, related materials, products, courses, or the materials contained Herein.

Client understands Ashley Gilbert (herein referred to as “Consultant”) and Financial Coaching Institute, LLC, is not an employee, agent, lawyer, doctor, financial advisor, manager, therapist, public relations or business manager, broker, registered dietician, or financial analyst, psychotherapist, or accountant. Client understands that Consultant has not promised, shall not be obligated to and will not; (1) procure or attempt to procure employment or business or sales for Client; (2) Perform any business management functions including but not limited to, accounting, tax or investment consulting, or advice with regard thereto; (3) act as a therapist providing psychoanalysis, psychological counselling, or behavioral therapy; (4) act as a public relations manager (5) act as a publicist to procure any publicity, interviews, write-ups, features, television, print or digital media exposure for Client; (6) introduce Client to Consultant’s full network of contacts, media partners or business partners. The Client understands that a relationship does not exist between the parties after the conclusion of this program. If the Parties continue their relationship, a separate agreement will be entered into.

This website is updated on a regular basis and while we try to make accurate statements in a timely and effective manner, we cannot guarantee that all materials and related media contained herein are entirely accurate, complete, or up to date. You expressly acknowledge and understand that any information or knowledge You gain as a result of using this website is used at Your own risk. If You should see any errors or omissions and would like to let Us know, please email Us at ashley@financialcoachinginstitute.com.

 

EARNINGS DISCLAIMER

Every effort has been made to accurately represent our programs and the educational value they provide.

 

You agree that you understand individual outcomes will vary. Case studies or testimonials are not indicative of typical results. Each individual approaches our offering(s) with diverse backgrounds, disposable income levels, motivation, risk tolerance, and other factors that are outside of our control. Therefore, we cannot guarantee your success merely upon access or purchase of our offering(s) or related material(s).

This site and the products offered on this site are not associated, affiliated, endorsed, or sponsored by Facebook, nor have they been reviewed tested or certified by Facebook.

However, there is no guarantee that you will earn any money using the techniques and ideas in these materials. When we present income and capital gains figures on our website and our other channels, we are showcasing exceptional results, which do not reflect the average experience.

You should not rely on any earnings information we present as any kind of promise, guarantee, or expectation of any level of success or earnings. Your results will be determined by a number of factors over which we have no control, such as your financial condition, experiences, skills, level of effort, education, and changes within the market. Investing carries risks, and your use of any information contained on this website is at your own risk. Subject to our No Refund Policy, we provide content without any express or implied warranties.

By continuing to use our site and access our content, you agree that we are not responsible for any decision you may make regarding any information presented or as a result of purchasing any of our products or services. Any claims made of actual earnings or examples of actual results can be verified upon request.

 

Any and all forward-looking statements on this website or on any of our sales, marketing,

and/or promotional material are intended to express our opinion of earnings potential.

Reasonable efforts have been made to accurately represent this product/service and its

potential. In terms of earnings, there is no guarantee that you will earn any money using the

techniques and ideas in this material or on this website. You acknowledge that the information presented in this material or on this website is not to be interpreted as a promise or guarantee of earnings or success. Earning potential is entirely dependent on the person using our products, ideas, and techniques.

Your level of success in attaining results depends on the time you devote to the program, ideas, and techniques mentioned, your finances, knowledge, market, various skills, and other factors. Since these factors differ from person to person, success depends on the market and economy, we cannot guarantee your success or profit , and you accept the risk that earnings and income reports differ from person to person. Financial Coaching Institute, LLC does not accept responsibility for any of your actions. There are many factors which are important in determining your actual results and there are no guarantees that you will achieve results similar to ours or anyone else’s.

Financial Coaching Institute makes no guarantees that you will achieve any results from our ideas and techniques in our material.

 

The use of our information, products, services, and techniques should be based on your own

due diligence and you acknowledge and agree that We shall not be liable for the

success or failure of your earnings, business, assets, trading income, etc. as it relates to the purchase and use of our products, services, and/or information reviewed or advertised on this website.

 

GENERAL DISCLAIMER

To the fullest extent permitted by law, we expressly exclude any liability for any direct, indirect, or consequential loss or damage incurred by you or others in connection with our offering(s), including without limitation any liability for any accidents, delays, injuries, harm, loss, damage, death, lost profits, personal or business interruptions, misapplication of information, physical or mental disease, condition or issue, physical, mental, emotional, or spiritual injury or harm, loss of income or revenue, loss of business, loss of profits or contracts, anticipated savings, loss of data, loss of goodwill, wasted time, and for any other loss or damage of any kind, however and whether caused by negligence, breach of contract, or otherwise, even if foreseeable. We are not medical, legal, financial, or other professionals, or if We are, during the course of this Offering and related material(s), We are not offering Our professional services and You expressly agree We are not acting in any professional capacity, including medical, legal, financial, or otherwise during the course of this Offering. This Offering is for educational and entertainment purposes only. None of the Offering or its related material(s) should be construed as medical, legal, or financial advice.

THIRD PARTY DISCLAIMER

You acknowledge and agree that We are not liable for any defamatory, offensive, or illegal conduct of any other participant or user, including you.

WARRANTIES DISCLAIMER

WE MAKE NO WARRANTIES AS TO OUR PROGRAMS, PRODUCTS, SERVICES, OR PROGRAM MATERIALS. YOU AGREE THAT PROGRAMS, PRODUCTS, SERVICES, OR PROGRAM MATERIALS ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE PROGRAMS, PRODUCTS, SERVICES, OR PROGRAM MATERIALS WILL BE FUNCTIONAL, UNINTERRUPTED, CORRECT, COMPLETE, APPROPRIATE, OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT ANY PART OF THE WEBSITE, OR CONTENT ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF OUR PROGRAM, PRODUCT, OR SERVICES MATERIALS, OR ON THIRD-PARTY WEBSITES IN TERMS OF THEIR CORRECTNESS, ACCURACY, TIMELINESS, RELIABILITY, OR OTHERWISE.

TECHNOLOGY DISCLAIMER

We make reasonable efforts to provide you with modern, reliable technology, software, and platforms from which to access our website, memberships, and courses and related material(s). However, in the event of a technological failure, you accept and acknowledge our lack of responsibility for said failure, and while we will make reasonable efforts to support you, some technological issues are far outside our control and will require you to access support from a third-party provider, such as Gold Star Pro or Mailchimp.

ERRORS AND OMISSIONS

We make no warranty or guarantee as to the accuracy, timeliness, performance, completeness, or suitability of the information in our offering(s). We are not liable for any inaccuracies, errors, or reliance on personal opinions contained in our offering(s) or related material(s).

Indemnification, Limitation of Liability, and Release of Claims

INDEMNIFICATION

INDEMNIFICATION AND HOLD HARMLESS

You agree to indemnify, defend, release and hold harmless the Company, its subsidiaries, affiliated companies, owners, members, contractors, managers, directors, officers, past and present employees, agents, coaches, representatives, successors and assigns; any Company volunteers; and Financial Coaching Institute, LLC (collectively “Releasees”) for, from and against any losses, costs, liabilities, and expenses (including reasonable attorneys’ fees) relating to or arising out of your use of or inability to use the Program and related services, any user postings made by you, your violation of any terms of this Agreement or your violation of any rights of a third party, or your violation of any applicable laws, rules or regulations. The Company reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with the Company in asserting any available defenses.

 

LIMITATION OF LIABILITY

The Client agrees they used the Company’s services at their own risk and that the Program is only an educational service being provided. Client releases Company, its officers, employees, directors, subsidiaries, principals, agents, heirs, executors, administrators, successors, assigns, Instructors, guides, staff, Participants, and related entities any way as well as the venue where the Programs are being held (if applicable) and any of its owners, executives, agents, or staff (hereinafter “Releasees”) from any and all damages that may result from any claims arising from any agreements, all actions, causes of action, contracts, claims, suits, costs, demands and damages of whatever nature or kind in law or in equity arising from my participation in the Programs. The Client accepts any and all risks, foreseeable or unforeseeable. Client agrees that Company will not be held liable for any damages of any kind resulting or arising from including but not limited to; direct, indirect, incidental, special, negligent, consequential, or exemplary damages happening from the use or misuse of Company’s services or enrolment in the Program. The Company assumes no responsibility for errors or omissions that may appear in any of the program materials. We will not be held responsible or liable in any way for the information, products, or materials that You request or receive through or in relation to our offering(s). We do not assume liability for any third-party conduct, accidents, delays, harm, or other detrimental or negative outcomes as a result of Your access to our offering(s) and related material(s).

AFFILIATES

This site may use affiliate links to sell certain products or services. We disclaim any and all liability as a result of your purchase through one of these links. We will use reasonable efforts to notify you when and where ye have placed affiliate links in addition to this disclaimer located in these Terms and Conditions. You accept express liability for any and all consequences or benefits of clicking the affiliate links contained on this website or related communications.

TERMINATION

The Company is committed to providing all clients in the Program with a positive Program experience. By purchasing this product, Client agrees that the Company may, at its sole discretion, terminate this Agreement, and limit, suspend, or terminate Client’s participation in the Program without refund or forgiveness of monthly payments if Client becomes disruptive to Company or Participants, Client fails to follow the Program guidelines, is difficult to work with, impairs the participation of the other participants in the Program or upon violation of the terms as determined by Company. The Client will still be liable to pay the total contract amount.

If at any time we feel you have violated these Terms and Conditions, then we shall
immediately terminate your use of our website and any related communications as we deem appropriate. It is within our sole discretion to allow any user’s access of our website, and we may revoke this access at any time without notice, and if necessary, block Your IP address from further visits to our site(s) and platform(s).

Financial Considerations

REFUNDS

We take Your investment seriously, and we’d appreciate if you took our investment of time and resources into your success seriously, too.

Due to the nature of the services and/or products provided, refunds will not be given unless otherwise specified in writing as an exception to a particular product or service.

Financial Coaching Institute, LLC reserves the right to charge 1.5% interest per day upon any outstanding sum left unpaid on or after 14 calendar days from payment date.

After 30 days of outstanding payment, Financial Coaching Institute, LLC reserves the right to send you to collections, upon which you will owe the total amount of any outstanding payments plus any collection costs including reasonable attorney’s fees.

COURSE, Service, or membership REFUNDS

Due to the nature of the educational products we sell, we do not offer refunds.

CHARGEBACKS

You agree to make every attempt to contact us prior to attempting a chargeback with your financial institution. In the event of a chargeback attempt, you expressly agree to forfeit any and all of our bonuses, affiliate bonuses, or other materials afforded to you in exchange for your original purchase of our offering. We reserve the right to present proof of your access to these Terms and Conditions of Use to the financial institution investigating the dispute.

REVOCATION OF ACCESS

You have the unilateral right to terminate your use and access to any of our offering(s). Please send an email to ashley@financialcoachinginstitute.com to initiate this process.

DISPUTE RESOLUTION

If you and our company cannot find a resolution to a dispute or potential claim by means of good-faith negotiation, then you explicitly agree to make a reasonable attempt to resolve any such dispute through Alternative Dispute Resolution or Mediation before filing a civil cause of Action.

ENTIRE AGREEMENT

Before you register with our website or make any purchases therefrom, you will be asked to consent to these Terms and Conditions, the information contained herein constitutes the entire agreement between site users and our company relating to the use of this offering.

RESOLUTION OF DISPUTES

This Agreement shall be governed by and construed in accordance with the laws of the State of Florida without giving effect to its conflict of laws principles. The state and federal court nearest to Jacksonville, Florida shall have exclusive jurisdiction over any case or controversy arising from or relating to the Program or its content, including but not limited to the Company’s Privacy Policy or this Agreement. By using the Program, you hereby submit to the exclusive jurisdiction and venue of these courts and consent irrevocably to personal jurisdiction in such courts and waive any defense of forum non conveniens. The prevailing party in any dispute between the parties arising out of or related to this Agreement, whether resolved by negotiation, mediation, or litigation, shall be entitled to recover its attorneys’ fees and costs from the other party.

 

CONSENT

By purchasing anything from Financial Coaching Institute, LLC, you hereby consent to our Terms and Conditions.

If you require any more information or have any questions about our Terms and Conditions, please feel free to contact us by email at ashley@financialcoachinginstitute.com.

ALL RIGHTS RESERVED

All rights not expressly granted in these Terms and Conditions or any express written here,

 

SEVERABILITY

If any term or provision of this Agreement is found by a court of competent jurisdiction to be invalid, illegal, or unenforceable in any jurisdiction, such invalidity, illegality or unenforceability shall not affect any other term or provision of this Agreement or invalidate or render unenforceable such term or provision in any other jurisdiction. The remainder of this Agreement will remain in full force and the invalid or unenforceable provision will be replaced by a valid or enforceable provision. 

TERMS OF PARTICIPATION IN MEMBERSHIP, COURSES, AND SOCIAL MEDIA GROUPS

Please READ carefully. By purchasing this product or membership, the following Terms and Conditions (the “Agreement”) are entered into by Financial Coaching Institute, LLC, (“Company,” “we,” or “us”) and You (“Client” or “You”), and You agree to the following terms stated herein. The Company and You may be referred to collectively as “Parties” in this Agreement.

PROGRAM/SERVICE

Company agrees to provide Programs, such as “Win-Win Investing Course”, “Rewire for a Wealthy Brain”, etc. (herein referred to as “Program”)  as outlined on the web page where You register, which may include digital or downloadable resources, an online course, one-on-one or group coaching, workshops, trainings online private forums operated by Company (for any purpose), whether on a website hosted by Company or a third-party website such as an online course platform or facebook.com. As a condition of participating in the Program, you agree to be bound by and to abide by all policies and procedures set out in this Agreement, including those incorporated by reference.

The Company will periodically make updates to the core program, and you will have access to updated materials for as long as the Company continues to offer the Program Area to its customers, which is what is referred to as “Lifetime Access” in our marketing materials.

From time to time, the Company may offer bonuses to individuals who sign up for the Program. You shall be entitled to any bonuses offered to you at the time of your enrollment. Bonuses are not guaranteed to be available for the entire lifespan of the program and they vary depending on specific live and automated promotions throughout the year.

The Company reserves the right to offer additional program elements from time to time, for any subgroup of participants. These additional program elements are a bonus, not a part of the services included in the base version of the Program. The selection of the participants who may participate in any additional program elements is at the sole discretion of the Company.

PARTICIPANTS

This Program is intended and only suitable for individuals aged 18 and above. Some of the content in this Program may not be appropriate for children. The Company hereby disclaims all liability for use by individuals under the age of 18.

This Program is intended to be utilized by online business owners and entrepreneurs who will implement the skills and strategies taught throughout the Program to their businesses. 

COMPANY TERMS

The Company’s Terms of Use, Privacy Policy, and Disclaimer are hereby incorporated by reference into this agreement. Except as modified by this Agreement, each of those agreements and policies shall apply fully to your participation in the Program.

FEES

For example, in consideration of Your access to the Program, you agree to pay the following fees of $1,997. You may choose between a single payment of $1,997 (due immediately) or 6 monthly payments of $387. If you select the payment plan, you must make the initial payment today and then your selected payment method will be automatically charged the following 5 payments on a monthly basis, for a total payment of $2,322. If you opt for monthly payments, you will remain responsible for those payments. You may not cancel or avoid these payments. In the event that any payment is not made, the Company shall immediately suspend your access to the Program and any bonuses, including loss of access and registration for any virtual event.

METHODS OF PAYMENT

If paying by debit card or credit card, you give us permission to automatically charge your credit or debit card for all fees and charges due and payable to the Company, without any additional authorization, for which you will receive an electronic receipt. You also agree that the Company is authorized to share any payment information and instructions required to complete the payment transactions with its third-party payment service providers (e.g., credit card transaction processing, merchant settlement, and related services).

If You elect for the payment plan, You hereby authorize the Company to charge your credit card or debit card automatically according to the terms set forth in the Fees section above.

Regarding recurring payments and outstanding invoices: If all payment methods we have on file for you are declined for payment of your monthly fee, you must provide a new payment method promptly or your Program access will be terminated.

You are required by law to complete the remaining payments of your payment plan and you authorize us (without notice to you, unless required by applicable law) to collect any and all outstanding payments, using any eligible payment method we have on record for your account.

 

YOUR CONDUCT IN THE PROGRAM; CONFIDENTIALITY; USE OF YOUR MATERIALS

Please choose carefully the materials that you upload, submit to, or embed on any website operated by the Company and any third-party forums operated by the Company. Any material you post on the Company’s website or in any third-party forums operated by the Company may become public. 

The Company respects the privacy of its customers and will not disclose any information You provide except as set forth in this Agreement. As a condition of participating in the Program, you hereby agree to respect the privacy of other Program participants and to respect the Company’s confidential information.

Specifically, you shall not share any information provided by other Program participants outside of the bounds of the Program unless you receive express written permission from such other participant to share the information. Similarly, the content of the Program contains the Company’s proprietary methods, processes, forms, templates, and other information. You hereby agree not to share the information provided to You in the Program with anyone other than the Company, its owners and employees, and other Program participants.

You are responsible for your material and for any liability that may result from the material you post. You participate, comment, and post material at your own risk. Any communication by you on the Company’s website and any third-party forums operated by the Company, whether by leaving a comment, participating in a chat, public or private forum, or other interactive service, must be respectful. You may not communicate or submit any content or material that is abusive, vulgar, threatening, harassing, knowingly false, defamatory, or obscene or otherwise in violation of any law or the rights of others. You agree to post comments or other material only one time. 

The Company, in its discretion, may delete or modify, in whole or part, any post, comment or submission to the Company’s and any third-party forums operated by the Company. The Company does not, however, have any obligation to monitor posts, comments, or material submitted by third parties. The Company neither endorses nor makes any representations as to the truthfulness or validity of any third-party posts, comments, or material on the Company website or any third-party forums operated by the Company. The Company shall not be responsible or liable for any loss or damage caused by third-party posts, comments, or materials on the Company website and any third-party forums operated by the Company.

You are strictly forbidden from the following:

• Causing damage to any Company website or third-party forums operated by the Company.
• Using any Company website or third-party forums operated by the Company for any unlawful, illegal, fraudulent, or harmful purpose or activity.
• Using any Company website or third-party forums operated by the Company to copy, store, host, transmit, send, use, publish or distribute any spyware, virus, worm, Trojan horse, keystroke logger or other malicious software.
• Using any Company website or third-party forums operated by the Company to transmit, send, or deliver unsolicited communications or for other marketing or advertising purposes.
• Systematically or automatically collecting data from any Company website or third-party forums operated by the Company.
• Sharing private and proprietary information from the Program or other participants with anyone else.
• Discriminatory speech, hate speech, comments, or actions against another member based on their sex, gender, age, ethnicity, race, socio-economic status, disability, or other labels.

The Company does its best to create a safe and welcoming space for all participants, however, the Company cannot guarantee that all participants will follow these guidelines. Company, in its sole discretion, may remove any participant’s comments, posts, content or materials, however, Company does not have a duty to review all comments, posts, content and material shared within any online private forums or groups or on any group call. Therefore, the Company shall not be held liable for any participant’s comments, actions, posts, content, or materials that result in another participant’s trauma or discomfort.

The Program is a “pitch free zone.” You agree you will not pitch, promote, market, or sell any other products, groups, programs, or events to Program participants on any Company website or third-party forums operated by the Company, whether or not officially sanctioned, owned, or operated by the Company. This means you agree not to form, or ask Program participants to join, “shadow” groups on social media or any other platform. 

We may also post separate rules regarding your behavior in any online community or forum, whether hosted on the Company’s website or a third-party website, which may be updated from time to time. You agree that you are bound by those rules, and they are expressly incorporated into this Agreement.

By posting or submitting any material in the Facebook group, such as questions, comments, posts, photos, images, videos, or other contributions, you are representing to us that you are the owner of all such materials, and you are at least 18 years old. You are also granting us, and anyone authorized by us, an unlimited, royalty-free, perpetual, irrevocable, non-exclusive, unrestricted, worldwide license to use, copy, modify, transmit, sell, create derivative works from, distribute, and/or publicly perform or display your contributions, in whole or in part, in any manner or medium, now known or developed in the future, for any purpose, and granting us the right to make it part of our current or future program or other content. This right includes granting us proprietary rights or intellectual property rights under any relevant jurisdiction without any further permission from you or compensation by us to you. You acknowledge that we have the right but not the obligation to use any contributions from you and that we may elect to cease the use of any such contributions in the program at any time for any reason.

You also consent to photographs, videos, and/or audio recordings, including teleconference calls, webinars, or other communications, which may be made by the Company during the Program that may contain you, your voice and/or your likeness. In the Company’s sole discretion, we reserve the right to use these photographs, videos, and or/audio recordings and/or any other materials submitted by you to the Company or created by the Company in connection with your participation in any Program, without compensation to you at any time, now or at any time in the future.  

You also grant us, and anyone authorized by us, the right to use your likeness and identify you by name, email address, or screen name as the author and individual depicted in any comments, posts, photos, images, videos or other contributions created by you or the Company that reference the Company or the program, and to identify you as a member of the program by name, email address, or screen name, for any purposes, including commercial purposes and advertising.

USERNAME AND PASSWORD 

To access certain features of the Program, including any private membership areas, you may need a username and password. You agree to keep your username and password confidential. During the registration process for any service or product, you agree to provide true, accurate, current, and complete information about yourself. If the Company has reasonable grounds to suspect that you have provided false information, shared your username and password with anyone else, or forwarded any non-public material from the Program to any other person, the Company has the right to suspend or terminate your account and refuse any and all current or future use of the Program or any of its content, in whole or part, without refund. Any personally identifiable information you provide as part of the registration process is governed by the terms of the Company’s website Privacy Policy.

NO TRANSFER OF INTELLECTUAL PROPERTY; LIMITED LICENSE

All content included as part of the Program, such as text, graphics, logos, images, as well as the compilation thereof, and any software used in the Program, is the property of the Company or its suppliers and protected by copyright, trademark, and other laws that protect intellectual property and proprietary rights.

The Company name, the Company logo, the Company slogan, and all related names, logos, product and service names, designs, and slogans are trademarks of the Company or its affiliates or licensors. You must not use such marks without the prior written permission of the Company. All other names, logos, product and service names, designs and slogans in the Program are the trademarks of their respective owners.

As a purchaser or participant in the Program, you are our Licensee. For the avoidance of doubt, you are granted a revocable, non-transferable license for personal, non-commercial use only, limited to you only. You have a single-user license. 

This means you may view, download, print, email and use one copy of individual pages of the Program and Content for your own personal purposes or your own business only.

Your participation in the Program does not result in a transfer of any intellectual property to You, and, as a condition of participation in the Program, You agree to observe and abide by all copyright and other intellectual property protection.

You may not republish, reproduce, duplicate, copy, sell, display, disclose, distribute to friends, family, or any other third party, or otherwise use any material from the Program or Content for commercial purposes or in any way that earns you or any third party money (other than by applying them generally in your own business). By downloading, printing, or otherwise using the Program or any Company content for personal use you in no way assume any ownership rights of the Content – it is still Company property. Any unauthorized use of any materials found in the Program or Content shall constitute infringement.

The Company content is not for resale. Your participation in the Program does not entitle you to make any unauthorized use of any protected content, and in particular you will not delete or alter any proprietary rights or attribution notices in any content. You will use protected content solely for your individual use, and will make no other use of the content without the express written permission of the Company and the copyright owner. You agree that you do not acquire any ownership rights in any protected content. We do not grant you any licenses, express or implied, to the intellectual property of the Company or our licensors except as expressly authorized herein.

You hereby agree that any infringement of the Company’s intellectual property shall result in an immediate termination of the license granted hereunder. To be clear, if you violate the Company’s intellectual property rights, your access to the Program will be terminated immediately, and you shall not be entitled to a refund of any portion of the fees.

Your use of any materials found in the Program or Content other than that expressly authorized in this agreement or by a separate written assignment, is not permitted (“Unauthorized Use”). You agree to pay liquidated damages of five (5) times the total fees paid for the Program in the event of your Unauthorized Use, or a minimum of $5,000 if you did not pay fees for the Program, in addition to any legal or equitable remedies the Company may be entitled to pursue. This is not a penalty but an agreed liquidated damages charge for Unauthorized Use.

You agree that any violation or threatened violation of the Intellectual Property Rights terms in this Agreement would cause irreparable injury to Us that may not be adequately compensated by damages, entitling the Company to obtain injunctive relief, without bond, in addition to all legal remedies.

NON-DISPARAGEMENT 

If you are found to be slandering, libeling, or otherwise disparaging our company, offering(s), or related materials at our discretion, you will be immediately removed from the offering(s) and any related communications. We reserve the right to file a civil claim of action against you for any such damaging actions you take that materially harm our company.

The Parties agree and accept that the only venue for resolving such a dispute shall be in the venue set forth below. The parties agree that they will neither engage in any conduct or communications with a third party, public or private, designed to disparage the other. Neither Client nor any of Client’s associates, employees or affiliates will directly or indirectly, in any capacity or manner, make, express, transmit speak, write, verbalize or otherwise communicate in any way (or cause, further, assist, solicit, encourage, support or participate in any of the foregoing), any remark, comment, message, information, declaration, communication or other statement of any kind, whether verbal, in writing, electronically transferred or otherwise, that might reasonably be construed to be derogatory or critical of, or negative toward, the Company or any of its programs, members, owner directors, officers, Affiliates, subsidiaries, employees, agents or representatives.

FORCE MAJEURE

The Company shall not be liable or responsible to You, nor be deemed to have defaulted or breached this Agreement, for any failure or delay in fulfilling or performing any term of this Agreement when and to the extent such failure or delay is caused by or results from acts or circumstances beyond the reasonable control of the Company including, without limitation, acts of God, flood, fire, earthquake, pandemic, death, illness or incapacity of Ashley Gilbert, explosion, any local, state, federal, national or international law, governmental order or regulation, governmental actions, war, invasion, or hostilities (whether war is declared or not), terrorist threats or acts, riot, or other civil unrest, national emergency, revolution, insurrection, epidemic, lock-outs, strikes or other labor disputes (whether or not relating to either party’s workforce), or restraints or delays affecting carriers or inability or delay in obtaining supplies of adequate or suitable materials, materials or telecommunication breakdown or power outage (collectively, “Force Majeure Event”). Upon occurrence of any Force Majeure Event, the Company shall give notice to you of its inability to perform or of delay in completing the Program and shall propose revisions to the schedule for completion of the Program or other accommodations, or may terminate this Agreement.

 

DISCLAIMERS AND RELEASE

Nothing in this Agreement shall be construed to create a partnership, joint venture, employment, or agency relationship. The Company is agreeing only to provide Client with access to the Program, which provides education and information. The information contained in the Program, including any interactions with the instructors, is not intended as, and shall not be understood or construed as, professional advice.

You agree to absolve and do hereby absolve and release the Releasees (defined below) from any and all liability or loss that you or any person or entity associated with you may suffer or incur as a result of use of the Program and/or any information and resources contained in the Program. You agree that Releasees shall not be liable to you for any type of damages, including direct, indirect, special, incidental, equitable, or consequential loss or damages for use of the Program, including its content, materials, products or services, or third-party content, materials, products, or services made available through the Program.

The information, software, products, and service included or available through the Program may include inaccuracies or typographical errors. Changes are periodically added to the information in the Program. The Company and/or its suppliers may make improvements and/or changes in the Program at any time.

The Company and/or its suppliers make no representations about the suitability, reliability, availability, timeliness, and accuracy of the information, software, products, services, and related graphics contained in the Program for any purpose. To the maximum extent permitted by applicable law, all such information, software, products, services, and related graphics are provided “as is” without warranty or condition of any kind. The Company and/or its suppliers hereby disclaim all warranties and conditions with regard to this information, software, products, services, and related graphics, including all implied warranties or conditions of merchantability, fitness for a particular purpose, title, and non-infringement.

To the maximum extent permitted by applicable law, in no event shall the Company and/or its suppliers be liable for any direct, indirect, punitive, incidental, special, consequential damages or any damages whatsoever including, without limitation, damages for loss of use, data, or profits arising out of or in any way connected with the use or performance of the Program, with the delay or inability to use the Program or related service, the provision of or failure to provide services, or for any information, software, products, services, and related graphics obtained through the Program, or otherwise arising out of the use of the Program, whether based on contract, tort, negligence, strict liability, or otherwise, even if the Company or any of its suppliers has been advised of the possibility of damages. Because some States or other jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitations may not apply to You. If you are dissatisfied with the Program or any portion of it, your sole and exclusive remedy is to discontinue using the Program.

In the event that the release and hold harmless provision is held unenforceable for any reason, you agree to limit any damages claimed to the total paid to the Company for the Program.

Any links to third-party products, services, or sites are subject to separate terms and conditions. The Company is not responsible for or liable for any content on or actions taken by such third-party company or website. Although the Company may recommend third-party sites, products, or services, it is your responsibility to fully research such third parties before entering into any transaction or relationship with them.

Client understands Ashley Gilbert (herein referred to as “Consultant”) and the Company are not an agent, lawyer, doctor, manager, therapist, public relations or business manager, registered dietician, or financial analyst or advisor, psychotherapist, medical professional, or accountant. Client understands that Consultant and the Company have not promised, shall not be obligated to and will not; (1) procure or attempt to procure employment or business or sales for Client; (2) perform any business management functions including but not limited to, accounting, tax or investment consulting, or advice with regard thereto; (3) act as a therapist providing psychoanalysis, psychological counseling or behavioral therapy; (4) act as a public relations manager; (5) act as a publicist to procure any publicity, interviews, write-ups, features, television, print or digital media exposure for Client; (6) introduce Client to Consultant’s or Company’s network of contacts, media partners or business partners. The Client understands that a relationship does not exist between the parties after the conclusion of this program. If the Parties wish to continue their relationship, they shall execute a separate agreement.

USERS OUTSIDE UNITED STATES

The Company controls and operates the Program from offices in the United States. The Company does not represent that materials on the Program are appropriate or available for use in other locations. People who choose to access the Program from other locations do so on their own initiative and are responsible for compliance with local laws, if and to the extent local laws are applicable.

ASSIGNMENT

Client may not assign this Agreement without express written consent of Company.

INDEPENDENT CONTRACTOR, EMPLOYEE, ALLIANCE PARTNERSHIP STATUS

Nothing in this Agreement is to be construed as creating a partnership, venture alliance, or any other similar relationship. Each party shall be an independent participant. In no event shall such persons be deemed employees or contractors of the other party by virtue of participation or performance hereunder.

MODIFICATION

The Company may modify the terms of this agreement at any time. All modifications shall be posted on the Financial Coaching Institute’s website and purchasers shall be notified.

TERMINATION

The Company reserves the right, in its sole discretion, to terminate your access to the Program and the related services or any portion thereof at any time, without notice, if You become disruptive to the Company or other Program participants, if You fail to follow the Program guidelines, or if You otherwise violate this Agreement. You shall not be entitled to a refund of any portion of the fees and shall not be excused from any remaining payments under a payment plan in the event of termination.

In the event you decide to cancel your participation in the Program, You will not be issued a refund for any remaining days or months of the Program after your cancellation, and any remaining installment, default, or overdue payments will be due immediately.

In the event of cancellation or termination, you are no longer authorized to access the part of the Program or its content. The restrictions imposed on you in this Agreement with respect to the Program and its content will still apply now and in the future, even after termination by you or the Company.

 

CLIENT RESPONSIBILITY

All Programs are developed for strictly educational purposes ONLY. Client accepts and agrees that Client is 100% responsible for their progress and results from any Course, Training, or Program. The Company makes no representations, warranties, or guarantees verbally or in writing. The Client understands that because of the nature of the program and extent, the results experienced by each client may significantly vary. Client acknowledges that as with any business or financial endeavor, there is an inherent risk of loss of capital and there is no guarantee that Client will reach their goals as a result of participation in any Program. Program education and information is intended for a general audience and does not purport to be, nor should it be construed as, specific advice tailored to any individual. The Company assumes no responsibility for errors or omissions that may appear in any program materials.

FINAL NOTICE

There is no guarantee that you will earn or save any money using the techniques and ideas in these materials. Examples in these materials are not to be interpreted as a promise or guarantee of earnings. Earning potential is entirely dependent on the person using our product, ideas, and techniques. We do not position any product as a “get rich scheme.”

Your level of success in attaining the results claimed in our materials depends on the time you devote to the program, ideas, and techniques mentioned, your finances, knowledge, and various skills. Since these factors differ according to individuals, we cannot guarantee your success or income level. Nor are we responsible for any of your actions.

Materials in our product and our website may contain information that includes or is based upon forward-looking statements within the meaning of the securities litigation reform act of 1995. Forward-looking statements give our expectations or forecasts of future events. You can identify these statements by the fact that they do not relate strictly to historical or current facts. They use words such as “anticipate,” “estimate,” “expect,” “project,” “intend,” “plan,” “believe,” and other words and terms of similar meaning in connection with a description of potential earnings or financial performance.

Any and all forward-looking statements here or on any of our sales material are intended to express our opinion of earnings potential. Many factors will be important in determining your actual results and no guarantees are made that you will achieve results similar to ours or anybody else’s, in fact no guarantees are made that you will achieve any results from our ideas and techniques in our material. 

If you do not understand or agree with any of these conditions, please do not order this material. If you require further clarification, please contact ashley@financialcoachinginstitute.com.

Financial Coaching Institute

Post Office Box 1666

Callahan, FL 32011

Email Address: ashley@financialcoachinginstitute.com

Last Updated: April 17, 2024