Disclaimer

Last Updated: October 10, 2024


The information provided by Financially Mindful through our website, coaching programs, digital products, workshops, courses, emails, SMS messages, and all other materials (collectively, the “Services”) is for educational and informational purposes only.

By using our Services, you acknowledge and agree to this Disclaimer.



1. Not Financial, Legal, Tax, or Investment Advice


We provide financial education and coaching. We do not provide:

  • Financial advice
  • Tax advice
  • Investment guidance
  • Legal services
  • Accounting services

You should always consult a licensed professional before making financial, legal, or investment decisions.



2. No Guarantee of Results


Your individual results depend on many factors, including but not limited to:

  • Your financial habits
  • Your income, expenses, and personal circumstances
  • Your consistency and effort
  • External financial or economic conditions

We do not guarantee improvements in income, debt, credit score, savings, budgeting results, or retirement outcomes.

Examples and testimonials are illustrations only and do not guarantee similar results.



3. Personal Responsibility


By using our Services, you acknowledge that:

  • You are responsible for your own financial decisions
  • Coaching provides support and education, not directives
  • You understand that we do not make decisions on your behalf
  • You assume full responsibility for your actions and outcomes


4. Digital Product Use


Digital products — including spreadsheets, worksheets, PDFs, calculators, ebooks, and courses — are designed for educational purposes only and are not substitutes for professional financial, legal, investment, or tax advice.



5. Coaching Disclaimer


Our coaching is intended to help you:

  • Understand your financial behaviors and patterns
  • Build habits aligned with your goals
  • Create lifestyle plans and budgets
  • Develop a healthy financial mindset

However, we do not:

  • Guarantee specific financial outcomes
  • Provide regulated financial planning services
  • Manage your money or accounts
  • Prepare legal, tax, or investment documents


6. Accuracy of Information


We make every effort to provide accurate and current information. However, we do not guarantee that:

  • The information is error-free
  • The information reflects the most recent financial regulations
  • The information is appropriate for your unique circumstances

You accept full responsibility for verifying any information before acting on it.



7. Testimonials


Testimonials, success stories, and examples presented through our Services reflect individual experiences. They are not intended to represent or guarantee that current or future users will achieve the same results.



8. Limitation of Liability


To the fullest extent permitted by law, Financially Mindful is not liable for:

  • Financial losses
  • Business losses
  • Credit score impacts
  • Income changes or decreased earnings
  • Indirect, incidental, or consequential damages

Your use of our Services is voluntary and at your own risk.



9. SMS/Text Message Disclaimer


By providing your mobile number, you consent to receive SMS messages from Financially Mindful for educational, support, and service-related purposes.

  • Message frequency may vary
  • Message and data rates may apply
  • Reply STOP to unsubscribe
  • Reply HELP for assistance

SMS messages are not financial, legal, investment, or tax advice.



10. External Links


Our website and communications may contain links to third-party websites. We are not responsible for the content, accuracy, or policies of external websites and assume no liability for your use of third-party resources.



11. Contact Information


If you have questions about this Disclaimer, please contact:

Financially Mindful
10130 Mallard Creek Road, Suite 200
Charlotte, NC 28262
United States
Email: [email protected]