1. Agreement to These Terms
These Terms & Conditions (“Terms”) govern your access to and use of the Financial Gym website located at https://financialgym.com/ (the “Site”) and any related services, content, coaching, tools, and communications provided by Financial Gym (“Financial Gym,” “we,” “us,” or “our”).
By accessing or using the Site or our services, you agree to be bound by these Terms. If you do not agree, do not use the Site or services.
2. Eligibility
You must be at least 18 years old (or the age of majority in your jurisdiction) to use the Site or services. By using the Site, you represent that you meet this requirement.
3. Services & Educational Purpose
Financial Gym provides financial education, coaching, content, and related resources. Our content and services are intended for general informational and educational purposes and may not be appropriate for your specific situation.
4. Accounts, Communications, and Accuracy
4.1 Account Responsibility
If you create an account, you are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account.
4.2 Communications
By providing your contact information, you consent to receive communications from us related to your account, service, and updates. You can opt out of marketing communications at any time (where applicable).
4.3 Accuracy of Information
You agree to provide accurate, current information and to keep it updated. We are not responsible for issues caused by inaccurate information you provide.
5. Payments, Billing, and Subscriptions (If Applicable)
If you purchase a membership, subscription, coaching, or other paid services, you agree to pay all fees and applicable taxes. Fees are subject to change and will be communicated as required by law.
- Recurring Billing: If you enroll in a subscription, you authorize us (or our payment processor) to charge your payment method on a recurring basis until canceled.
- Cancellation: Cancellation terms will be presented at checkout and/or in your account settings. Cancellation typically stops future charges; prior charges are generally non-refundable unless required by law or otherwise stated.
- Chargebacks: Unauthorized chargebacks or payment disputes may result in suspension or termination of access.
6. Refund Policy
Refund eligibility (if any) will be stated at checkout, in a service agreement, or in written terms provided at the time of purchase. If no specific refund policy is stated, purchases are considered final to the maximum extent permitted by law.
7. Intellectual Property
The Site and all content (including text, videos, graphics, logos, downloads, and other materials) are owned by Financial Gym or its licensors and protected by intellectual property laws. You may not copy, modify, distribute, sell, or lease any part of our content without our prior written permission.
8. Acceptable Use
You agree not to:
- Use the Site for unlawful, harmful, fraudulent, or abusive purposes.
- Attempt to gain unauthorized access to any systems, accounts, or data.
- Interfere with or disrupt the integrity or performance of the Site.
- Upload or transmit malware, viruses, or malicious code.
- Harvest or collect data about other users without permission.
- Misrepresent your identity or affiliation with any person or entity.
9. Third-Party Links and Tools
The Site may include links to third-party websites or services. We do not control and are not responsible for third-party content, policies, or practices. Your use of third-party services is at your own risk.
10. Disclaimer of Warranties
The Site and services are provided on an “AS IS” and “AS AVAILABLE” basis. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, secure, or error-free.
11. Limitation of Liability
To the fullest extent permitted by law, Financial Gym shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from your access to or use of (or inability to access or use) the Site or services.
12. Indemnification
You agree to defend, indemnify, and hold harmless Financial Gym and its owners, employees, contractors, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or in any way connected with your access to or use of the Site or services, or your violation of these Terms.
13. Termination
We may suspend or terminate your access to the Site or services at any time, with or without notice, if we believe you have violated these Terms or if required to protect our operations, users, or legal interests.
14. Changes to These Terms
We may update these Terms from time to time. The “Last Updated” date at the top indicates the latest revision. Your continued use after changes become effective constitutes acceptance of the updated Terms.
15. Governing Law
These Terms are governed by the laws of [State/Commonwealth], without regard to conflict of law principles. Any disputes shall be resolved in the courts located in [County, State], unless otherwise required by law.
16. Contact Us
If you have questions about these Terms, contact us: