Terms and conditions

Welcome and thank you for your interest in the Financial Stability Experience, LLC. (“FSE”) and our financial coaching services. These terms of service are a legally binding contract between you and FSE regarding your use of our services.

 

 

 

PLEASE READ THE FOLLOWING TERMS CAREFULLY

 

 

BY USING OUR SERVICES, YOU AGREE THAT YOU HAVE READ AND UNDERSTOOD AND AGREE TO BE BOUND BY THE FOLLOWING TERMS AND CONDITIONS. IF YOU ARE NOT ELIGIBLE OR DO NOT AGREE TO THESE TERMS OF SERVICE, THEN YOU DO NOT HAVE OUR PERMISSION TO USE OUR SERVICES.

YOUR USE OF OUR SERVICES, AND FSE’S PROVISION OF OUR SERVICES TO YOU, CONSTITUTES AN AGREEMENT BY FSE AND BY YOU TO BE BOUND BY THESE TERMS.

 

Coaching Packages. FSE Full and Starter Packages are all inclusive of services purchased for the specified period of time, 30 and 120 days respectively. Prices are subject to change. Client-purchased packages will not be subject to changes once purchase has been made. If a client should choose to discontinue services, refunds for unused services will not be issued. FSE is a commitment. The client is welcome to return to FSE within 1 year of purchase price to finish their purchased program. 

 

 

Continued Coaching (Subscription service). Our Services may include automatically recurring payments for periodic charges. If you sign-up for Continued Coaching, you authorize FSE to periodically charge, on a going-forward basis and until cancellation of either the recurring payments or your account, all accrued sums on or before the payment due date for the accrued sums. The subscription monthly payment amount will be locked in for 12 months from Subscription Billing Date, as long as there is no break in service. After 12 months, you may be subject to a raise in prices. If this is to be the case, you will receive an email detailing any changes to come at least 30 days before the changes take place.  The “Subscription Billing Date” is the date when you purchase your first subscription to our Services. Your account will be charged automatically on the Subscription Billing Date all applicable fees for the next subscription period. The subscription will continue unless and until you cancel your subscription or we terminate it. You may cancel your subscription at any time, however no refunds will be issued for unused services.

 

 

Cancellation Policy. Any appointment may be cancelled or rescheduled by the client at any time, but refunds will not be issued. Appointments cancelled by FSE will be automatically refunded. 

 

 

Disclaimers

 

 

FSE AND ITS STAFF ARE NOT CERTIFIED FINANCIAL PLANNERS. THE SERVICES AND ANY RECOMMENDATIONS, INFORMATION, OR ADVICE MADE AVAILABLE PURSUANT TO THE SERVICES, (COLLECTIVELY, THE “SERVICE CONTENT”) IS PROVIDED FOR INFORMATIONAL PURPOSES ONLY. NONE OF THE SERVICE CONTENT SHOULD BE CONSTRUED AS PROFESSIONAL FINANCIAL ADVICE. SERVICE CONTENT IS NOT INTENDED TO BE A SUBSTITUTE FOR PROFESSIONAL FINANCIAL ADVICE.

 

 

FSE DOES NOT GUARANTEE THE RESULTS OF OUR SERVICES. YOU ACKNOWLEDGE AND AGREE THAT YOUR USE OF OR RELIANCE ON OUR SERVICES IS SOLELY AT YOUR OWN RISK AND YOU ASSUME FULL RESPONSIBILITY FOR ALL RISK ASSOCIATED THEREWITH, AS ALLOWABLE TO THE EXTENT OF THE LAW. OUR SERVICES SHOULD NOT BE CONSTRUED AS A RECOMMENDATION OR OFFER TO SELL OR PURCHASE ANY PARTICULAR INVESTMENT.  YOU ARE SOLELY RESPONSIBLE FOR USING YOUR OWN JUDGMENT TO ASSESS INFORMATION PROVIDED BY FSE AND ITS STAFF IN CONNECTION WITH OUR SERVICES. FSE EXPRESSLY DISCLAIMS ANY GUARANTEE OF RESULTS OR OUTCOMES OF ANY OF THE RECOMMENDATIONS OR ADVICE DIRECTLY OR INDIRECTLY RELATED TO THE USE OF OUR SERVICES AND SERVICE CONTENT.

 

 

FSE DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, RELATING TO OUR SERVICES AND ALL MATERIALS AND CONTENT AVAILABLE THROUGH OUR SERVICES, INCLUDING: (A) ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, OR NON-INFRINGEMENT; AND (B) ANY WARRANTY ARISING OUT OF COURSE OF DEALING, USAGE, OR TRADE.

 

 

Limitation of Liability

 

 

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL THE FSE ENTITIES BE LIABLE TO YOU FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES (INCLUDING DAMAGES FOR LOSS OF PROFITS, GOODWILL, OR ANY OTHER INTANGIBLE LOSS) ARISING OUT OF OR RELATING TO YOUR ACCESS TO OR USE OF, OR YOUR INABILITY TO ACCESS OR USE, OUR SERVICES OR ANY MATERIALS OR CONTENT ON OUR SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT ANY FSE ENTITY HAS BEEN INFORMED OF THE POSSIBILITY OF DAMAGE.

 

 

Dispute Resolution and Arbitration

 

Generally. In the interest of resolving disputes between you and FSE in the most expedient and cost effective manner, you and FSE agree that every dispute arising in connection with these Terms will be resolved by binding arbitration. Arbitration is less formal than a lawsuit in court. Arbitration uses a neutral arbitrator instead of a judge or jury, may allow for more limited discovery than in court, and can be subject to very limited review by courts. Arbitrators can award the same damages and relief that a court can award. This agreement to arbitrate disputes includes all claims arising out of or relating to any aspect of these Terms, whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, and regardless of whether a claim arises during or after the termination of these Terms. YOU UNDERSTAND AND AGREE THAT, BY ENTERING INTO THESE TERMS, YOU AND FSE ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION.

 

 

Consent to Electronic Communications. You agree that FSE may communicate with you electronically including via e-mail, video chat, and SMS text message regarding our Services. If FSE learns of a security system’s breach, FSE may attempt to notify you electronically by sending an email to you, if FSE has your email address. You may have a legal right to receive this notice in writing. To receive free written notice of a security breach (or to withdraw your consent from receiving electronic notice), please write to FSE at heather@financialstabilityexperience.com. Depending on your current carrier plan, you may incur charges for SMS text messages, video chat, and e-mail and you agree not to hold FSE liable for any charges incurred.

 

 

No Support. We are under no obligation to provide support for our Services. In instances where we may offer support, the support will be subject to published policies.