TERMS AND CONDITIONS OF USE

Effective Date: May 7, 2026

Finances Demystified LLC (referred to herein as the “Company,” “we,” “our,” or “us”) provides access to financesdemystified.com, affiliated websites, digital platforms, online communities, educational content, memberships, masterminds, live events, coaching experiences, courses, workshops, and related services (collectively referred to as the “Offerings”), subject to your acceptance of these Terms and Conditions of Use (“Terms” or “Agreement”).

By accessing the Site or purchasing, enrolling in, participating in, or using any Offering, you acknowledge that you have read, understood, and agreed to be legally bound by these Terms.

You must be at least eighteen (18) years of age to use the Site or purchase any Offering. By using the Site, you represent and warrant that you are legally capable of entering into this Agreement.

1. Educational Purpose Only

All Offerings provided by the Company are intended solely for educational and informational purposes. The Company does not provide financial advice, investment advice, legal advice, tax advice, accounting advice, therapy, or any other licensed professional services. Nothing contained within the Site or Offerings should be interpreted as individualized financial, investment, legal, tax, or professional advice.

You acknowledge and agree that all financial and investment decisions involve risk and that you are solely responsible for your own decisions, actions, implementation, and results. Participation in any Offering does not create any fiduciary, advisory, coaching, partnership, employment, or client relationship between you and the Company.

2. Testimonials, Case Studies, and Earnings Disclaimers

2.1 No Guarantee of Income, Investment Returns, or Financial Results

The Company makes no representations, warranties, or guarantees, express or implied, regarding any specific financial, investment, trading, business, or income results that you may achieve from participation in any Offering. Any income figures, profit examples, account balances, trading returns, investment gains, business revenue, or financial milestones referenced in marketing materials, social media content, websites, advertisements, emails, webinars, sales pages, podcasts, videos, or any other Company communication are provided strictly for illustrative and educational purposes and are not promises, projections, or guarantees of your results.

You acknowledge and agree that:

(a) Past performance, whether of the Company, its founder, its team, its students, or any referenced market, security, strategy, or investment, is not indicative of future results;

(b) All investing, trading, and financial decisions involve substantial risk of loss, including the potential loss of your entire investment, and in the case of options trading, losses may exceed your initial investment;

(c) Specific securities, tickers, trades, strategies, or market examples discussed in any Offering are referenced solely for educational illustration and do not constitute a recommendation, solicitation, or offer to buy, sell, or hold any security or financial instrument;

(d) Your individual results will depend on numerous factors including but not limited to your starting financial position, risk tolerance, available capital, market conditions, timing, discipline, consistency, experience, decisions, implementation, external economic factors, and circumstances entirely outside the Company's control;

(e) The Company, its founder, and its team are not acting as your Registered Investment Adviser, broker-dealer, financial planner, certified financial planner, tax advisor, accountant, or attorney in connection with the Offerings, and no fiduciary or advisory relationship is created by your participation;

(f) You should consult with appropriately licensed professionals before making any financial, investment, tax, or legal decision.

2.2 Testimonials and Case Studies

Testimonials, success stories, case studies, screenshots, student spotlights, written reviews, video reviews, social media posts, and any similar content (collectively, "Testimonials") featured by the Company reflect the individual experiences of specific participants and are not representative of typical or average results. The experiences shared are personal to those individuals and depend on factors unique to each participant.

You acknowledge and agree that:

(a) Testimonials are not guarantees, warranties, or predictions that you or any other participant will achieve the same or similar results;

(b) Many participants do not achieve the results described in Testimonials, and some participants achieve no measurable results at all;

(c) The Company does not independently verify every Testimonial or claim made by a participant, and the Company makes no representation as to the accuracy or completeness of participant-reported results;

(d) Testimonials may have been edited for length, clarity, or relevance, but are not fabricated;

(e) Where a Testimonial provider received free access, discounted access, complimentary participation, gifts, payment, commission, or any other form of compensation or material benefit in exchange for or in connection with their Testimonial, the Company will disclose that material connection in accordance with applicable Federal Trade Commission ("FTC") guidelines.

2.3 Material Connections and Affiliate Disclosures

The Company may engage affiliates, ambassadors, brand partners, influencers, sponsored creators, joint venture partners, and other third parties to promote the Offerings. Such third parties may receive commissions, flat fees, free access to Offerings, gifts, trips, or other compensation in exchange for promoting the Company. In addition, the Company may from time to time enter into paid brand partnerships, sponsorships, or affiliate arrangements with third-party companies whose products or services are referenced in Company content.

You acknowledge that the existence of such material connections does not imply that any promoted Offering or third-party product is suitable for you, and you agree to evaluate any Offering or third-party product based on your own independent assessment and, where appropriate, the advice of licensed professionals.

2.4 Forward-Looking Statements

Statements made by the Company that are not statements of historical fact, including statements regarding potential outcomes, possible benefits, expected experiences, anticipated learning, or projected results of any Offering, are forward-looking statements. Forward-looking statements are inherently uncertain and you should not rely on them as predictions of your actual experience or results.

2.5 Your Acknowledgment

By purchasing or participating in any Offering, you expressly acknowledge that you have read, understood, and accepted the disclaimers in this Section, and that you are not relying on any representation, statement, testimonial, case study, income claim, or projection in deciding to purchase or participate. Your decision is based solely on your own independent evaluation and your acceptance of the risks involved.

3. Fees, Deposits, Payment Plans, and Refund Policy

By purchasing any Offering from the Company, you agree to pay all fees and charges associated with your selected program, membership, mastermind, workshop, coaching experience, live event, course, or digital product. You authorize the Company to charge your selected payment method for all agreed-upon payments, including recurring installment payments and subscription charges where applicable.

Certain Offerings, including but not limited to masterminds, mentorships, retreats, coaching containers, and premium educational experiences, may require a deposit to reserve participation. All deposits are strictly non-refundable and non-transferable. By submitting a deposit, you acknowledge and agree that your seat or participation slot is being reserved exclusively for you and that the Company may decline or turn away other applicants based on your reservation. You further acknowledge that operational, onboarding, planning, staffing, and administrative costs begin immediately upon receipt of your deposit. Deposits shall not be refunded under any circumstances, including but not limited to change of mind, scheduling conflicts, inability to attend, dissatisfaction, personal emergencies, medical issues, travel limitations, relocation, financial hardship, lack of participation, or failure to complete the program.

Unless otherwise expressly stated in writing by the Company, all sales are final and the Company maintains a strict no-refund policy. No refunds, credits, transfers, exchanges, or cancellations shall be issued for digital products, downloadable resources, online courses, workshops, memberships, mastermind programs, coaching programs, consulting services, live events, virtual trainings, tickets, or educational content of any kind. No refunds or credits shall be provided for partially completed programs, missed sessions, missed calls, missed live events, dissatisfaction, subjective expectations, failure to implement strategies, lack of participation, or inability to achieve desired outcomes. Accessing any portion of digital materials, recordings, templates, downloads, course content, or educational resources constitutes full delivery of the purchased Offering.

If you enroll in a payment plan, you agree to complete all scheduled payments regardless of participation level, usage, satisfaction, completion status, or perceived results. Failure to complete a payment plan does not release you from your financial obligations. You may not cancel or prematurely terminate a payment plan in an attempt to avoid remaining balances owed to the Company.

In the event payments become delinquent, the Company reserves the right to suspend or revoke access to Offerings, remove you from communities or programs, deny future participation, engage collection agencies, pursue legal remedies, and recover any associated collection costs, legal fees, administrative expenses, and damages permitted by law.

You agree not to initiate chargebacks or payment disputes with your financial institution, credit card provider, or payment processor for valid charges authorized by you. In the event of a chargeback attempt or payment dispute, the Company reserves the right to immediately terminate access to all Offerings, remove you from programs and communities, recover outstanding balances, recover administrative and legal costs, and pursue legal action where appropriate. You further agree to contact the Company directly and attempt good-faith resolution prior to initiating any dispute with your bank or payment provider.

4. Intellectual Property Rights

All content made available through the Site or Offerings, including but not limited to videos, trainings, recordings, worksheets, frameworks, templates, downloads, graphics, branding, trademarks, text, presentations, educational materials, systems, and proprietary methodologies, are the exclusive intellectual property of the Company and are protected under applicable copyright, trademark, and intellectual property laws.

You are granted a limited, revocable, non-exclusive, non-transferable license for personal individual use only. You may not reproduce, duplicate, republish, upload, sell, distribute, sublicense, modify, share, record, exploit, or otherwise disseminate Company materials without prior written consent from the Company.

Unauthorized reproduction, distribution, or sharing of Company materials may result in immediate termination of access without refund and may subject you to legal action.

5. Community Conduct and Participant Removal

The Company reserves the right, in its sole discretion, to remove, suspend, or terminate any participant’s access to any Offering, membership, mastermind, event, or community at any time for conduct deemed disruptive, abusive, unlawful, inappropriate, harmful, or in violation of these Terms.

Prohibited conduct includes but is not limited to harassment, intimidation, abusive behavior, hate speech, solicitation, unauthorized promotion, sharing confidential materials, disruptive conduct, or violation of community guidelines.

Removal or termination from any Offering shall not entitle you to any refund, credit, cancellation of payment obligations, or compensation of any kind.

6. Account Registration and Security

In order to access certain Offerings, you may be required to create an account and provide registration information. You agree to provide accurate, current, and complete information and to update such information as necessary.

You are solely responsible for maintaining the confidentiality and security of your login credentials and for all activities occurring under your account. The Company shall not be liable for unauthorized access resulting from your failure to maintain account security.

7. Third-Party Platforms and Temporary Interruptions

The Company may utilize third-party platforms, software providers, hosting providers, payment processors, communication systems, or community platforms in connection with delivering the Offerings. The Company shall not be responsible for outages, delays, interruptions, technical failures, data loss, platform malfunctions, or third-party service disruptions beyond its reasonable control.

All Offerings are provided on an “AS IS” and “AS AVAILABLE” basis without warranties of any kind, whether express or implied.

8. Limitation of Liability

To the fullest extent permitted by law, the Company shall not be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages arising out of or related to your use of the Site or participation in any Offering. This includes but is not limited to financial losses, lost profits, lost business opportunities, emotional distress, personal injury, reputational harm, or data loss.

Your sole remedy for dissatisfaction with the Site or Offerings is to discontinue use. The Company’s total cumulative liability under any claim shall not exceed the total amount paid by you to the Company for the specific Offering giving rise to the claim.

9. Indemnification

You agree to indemnify, defend, and hold harmless the Company and its owners, officers, employees, contractors, affiliates, partners, agents, successors, and assigns from and against any claims, liabilities, damages, losses, expenses, demands, actions, or legal fees arising out of your use of the Site or Offerings, your violation of these Terms, your misuse of educational information, or your violation of any law or third-party rights.

10. SMS Communications

By opting into the Company’s SMS messaging services, you consent to receive recurring automated text messages related to event reminders, webinar access, educational content, promotions, account notifications, and related communications. Message frequency may vary. Message and data rates may apply.

You may opt out at any time by replying STOP to any message. Carriers are not liable for delayed or undelivered messages.

11. Privacy

Your use of the Site and Offerings is also governed by the Company’s Privacy Policy. By using the Site, you consent to the collection, storage, and use of your information as described within the Privacy Policy.

12. Termination

These Terms remain effective unless terminated by either you or the Company. The Company reserves the right to terminate or suspend access to any Offering immediately and without notice if you violate these Terms or engage in conduct deemed harmful to the Company or its participants.

Upon termination, your right to access the Offerings shall immediately cease. Any outstanding balances owed to the Company shall remain due and enforceable. All intellectual property protections and payment obligations shall survive termination.

13. Governing Law and Arbitration

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to conflict of law principles.

Any dispute arising out of or relating to these Terms or the Offerings shall be resolved exclusively through binding arbitration administered in Delaware in accordance with the commercial arbitration rules of the American Arbitration Association. You waive any right to participate in class action litigation or class-wide arbitration.

Each party shall bear its own legal fees and arbitration costs unless otherwise determined by the arbitrator.

14. Severability

If any provision of these Terms is determined to be invalid, unlawful, or unenforceable, the remaining provisions shall remain in full force and effect.

15. Entire Agreement

These Terms constitute the entire agreement between you and the Company regarding the Site and Offerings and supersede all prior agreements, communications, negotiations, and understandings, whether written or oral.

16. Changes to Terms

The Company reserves the right to update, modify, or replace these Terms at any time without prior notice. Continued use of the Site or participation in any Offering following the posting of revised Terms constitutes acceptance of those changes.