✅ TERMS AND CONDITIONS

Effective Date: August 2, 2025

Welcome to Empowering Financial Coaching! These Terms and Conditions (“Terms”) govern your use of our website, services, products, and community spaces.

1. Use of Services

By accessing or using our website and services, you agree to these Terms. You must be at least 18 years old or have a parent/guardian’s consent to participate.

2. Coaching Services

Our coaching services are educational and supportive in nature. We do not provide legal, tax, or investment advice. Decisions and outcomes remain your responsibility.

3. Payments & Refunds

All fees are listed in USD and are due at the time of purchase unless otherwise agreed upon in writing. Coaching and course purchases are non-refundable unless explicitly stated.

4. Community Guidelines

We are committed to maintaining a respectful, shame-free environment. Harassment, discrimination, or spam will result in removal from the platform or services without refund.

5. Intellectual Property

All content, materials, and tools provided by Empowering Financial Coaching are owned by us and may not be copied, distributed, or reproduced without written permission.

6. Changes to Terms

We may update these Terms periodically. Continued use of our site or services constitutes your acceptance of any changes.

✅ PRIVACY POLICY

Effective Date: August 2, 2025

At Empowering Financial Coaching, your privacy is important to us. This Privacy Policy explains how we collect, use, and protect your information.

1. Information We Collect

We may collect personal information such as your name, email address, payment info, and any data you provide when filling out forms, registering for events, or joining our community.

2. How We Use Your Information

We use your information to:

Provide coaching services and resources

Communicate with you about services, updates, and promotions

Improve our offerings and user experience

We do not sell or rent your personal information.

3. Third-Party Services

We may use third-party platforms (e.g., payment processors, email services, community platforms) to provide our services. Your data is shared with them only as necessary and in accordance with their privacy policies.

4. Data Security

We take reasonable steps to protect your personal data, but no system is 100% secure. By using our services, you acknowledge this risk.

5. Your Rights

You can request to access, correct, or delete your personal information by contacting us at [Insert Email].

6. Cookies

We may use cookies to improve site performance and user experience. You can manage cookie settings in your browser.

7. Changes to This Policy

We may update this policy. Continued use of the site means you agree to the updated terms.