Effective Date: 01/19/2025

Welcome to Financial Family Values LLC! By accessing or using our website, services, or resources, you agree to these Terms & Conditions.

1. Services Provided

We offer financial coaching, insurance services (Indexed Universal Life and annuities), and downloadable resources (e.g., budget templates, ebooks).

2. User Responsibilities

You agree to:

Use our website and services for lawful purposes only.

Provide accurate information when signing up or purchasing.

Refrain from copying or distributing our content without permission.

3. Payments and Refunds

Payments for services or products must be made in full at the time of purchase.

Refunds are subject to our refund policy, which is outlined at [Refund Policy].

4. Intellectual Property

All content on our website, including blog posts, templates, and resources, is protected by copyright. You may not reproduce, distribute, or modify it without our written consent.

5. Disclaimers

Our financial coaching is for informational purposes only and should not replace professional financial, legal, or tax advice.

Insurance services are subject to state regulations and approval.

6. Limitation of Liability

We are not liable for any direct, indirect, or incidental damages arising from the use of our website or services.

7. Governing Law

These Terms & Conditions are governed by the laws of California, United States.

8. Termination

We reserve the right to terminate access to our website or services if you violate these terms.

9. Changes to Terms

We may update these Terms & Conditions at any time. Updates will be posted on this page with an effective date.

10. Contact Us

For questions about these terms, contact us at financialfamilyvalues@gmail.com.