**Effective Date:** Aug/31/2025

These Terms and Conditions ("Terms") govern your use of the financial coaching services (the "Services") provided by Designed Financial Freedom ("we," "us," or "our"). By engaging with our Services, you agree to be bound by these Terms.

1. The Services

Our Services are designed to provide financial education, guidance, and accountability through a structured coaching process. Our goal is to help you gain clarity, reduce financial stress, and work towards your financial goals. The specific details, structure, and deliverables of your program will be agreed upon separately and in writing.

2. Client Responsibilities

• Active Participation: To achieve the best results, you agree to actively participate in all sessions, complete assigned tasks, and provide accurate and timely financial information.
• Confidentiality: We will treat all of your financial and personal information with confidentiality. However, you are responsible for maintaining the confidentiality of any information or resources we provide to you.

3. Payment Terms

• Program Fee: The total fee for your specific program will be outlined in your separate program agreement.
• Deposit: A non-refundable deposit is required to secure your commitment and reserve your program slot. This deposit amount will be specified in your program agreement and applied towards the total program fee.
• Payment Options: We may offer various payment options, including upfront payment and installment plans through a third-party service ([e.g., Affirm, Klarna]). All payment details will be agreed upon in your program agreement.

4. Disclaimer of Financial Advice

We are financial coaches, not licensed financial advisors, accountants, or lawyers. The information and guidance we provide are for educational and informational purposes only. We do not provide financial, legal, or tax advice. You are solely responsible for all financial decisions you make. We encourage you to consult with a qualified professional before making any financial decisions.

5. Intellectual Property

All materials, including workbooks, tools, templates, and program content provided to you, are the intellectual property of Designed Financial Freedom. You are granted a limited, non-exclusive, non-transferable license to use these materials for your personal use during and after the program. You may not copy, reproduce, distribute, or otherwise use these materials for any commercial purpose without our express written consent.

6. Limitation of Liability

To the fullest extent permitted by law, Designed Financial Freedom shall not be liable for any direct, indirect, incidental, special, or consequential damages resulting from your use of our Services. Our total liability to you for any and all claims shall not exceed the amount you paid for the Services.

7. Termination

We reserve the right to terminate our Services to you at any time for any reason, including but not limited to, a breach of these Terms. If you wish to terminate the Services, please provide written notice. The non-refundable deposit will be retained upon any termination.

8. Governing Law

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

9. Contact Us