1. Who we are and what these Terms cover
These Terms of Service ("Terms") are an agreement between you and Wealth by Design Financial, a sole proprietorship ("Wealth by Design", "we", "us", or "our").
These Terms govern your use of wealthbydesignfinancial.com and everything offered through it (the "Service"), including:
- a free account with a zero-dollar budget planner, Wealth Building Roadmap tracker, financial calculators, and personal notes;
- the blog and other educational content;
- paid financial coaching;
- digital courses, videos, training programs, worksheets, templates, and other digital products;
- subscription-based products or memberships that we may offer;
- payment, scheduling, and account-management features; and
- coach and administrator tools used by our team to provide the Service.
By creating an account, purchasing a product, starting a subscription, or otherwise using a portion of the Service that requires acceptance of these Terms, you agree to these Terms and our Privacy Policy.
If you do not agree to these Terms, do not create an account, purchase a product, or use the Service.
2. Eligibility and accounts
You must be at least 13 years old to create an account and use the free tools and educational content.
You must be at least 18 years old and legally able to enter into a binding agreement to purchase coaching, a subscription, a digital product, or any other paid service.
You are responsible for:
- providing accurate information;
- maintaining the confidentiality of your account credentials;
- maintaining the security of your account;
- all activity occurring through your account; and
- promptly notifying us if you believe your account has been accessed without authorization.
You may not create an account using another person's identity or information without authorization.
We may require you to verify your email address before purchasing certain products or accessing certain features.
3. Financial coaching and educational content
Wealth by Design provides financial education and coaching relating to subjects such as budgeting, cash-flow management, debt repayment, savings, financial organization, and financial goals.
Unless expressly stated otherwise in a written agreement with you, Wealth by Design does not provide investment, tax, legal, accounting, insurance, or other regulated professional advice.
We are not acting as your attorney, accountant, tax professional, broker, or investment adviser, and we do not represent that a coaching relationship creates a fiduciary relationship.
Neither Wealth by Design nor anyone providing services through it holds a professional license or registration as an investment adviser, broker-dealer, certified financial planner, accountant, tax preparer, insurance producer, or attorney. We provide financial coaching and education only.
Your financial decisions remain your responsibility. You should consult an appropriately licensed or qualified professional when you need advice concerning investments, taxes, legal matters, insurance, estate planning, or other matters outside the scope of financial coaching.
Nothing on the Service is a guarantee or promise of a particular financial result.
4. Calculators and financial tools
The Service may include calculators and other financial tools, including savings-goal, retirement-projection, mortgage-payoff, debt, budgeting, or other calculators.
These tools produce estimates based on the information and assumptions you enter. Results may depend on assumptions such as interest rates, investment returns, inflation, contribution amounts, time periods, taxes, fees, and other variables.
Calculator results are for educational and illustrative purposes only. They are not forecasts, guarantees, or individualized professional advice.
You are responsible for verifying information and assumptions before relying on calculator results.
5. Your Content
You retain ownership of the budgets, financial information, notes, goals, calculator inputs, account labels, and other information you submit or enter into the Service ("Your Content"), subject to any rights held by third parties.
You grant us a limited, non-exclusive right to host, store, reproduce, process, transmit, display, and otherwise use Your Content as reasonably necessary to:
- provide and maintain the Service;
- display your information to you;
- provide coaching services you purchase;
- provide access to a coach you have selected or been assigned;
- provide sharing features you intentionally activate;
- secure and troubleshoot the Service;
- comply with applicable law; and
- perform the functions described in our Privacy Policy.
You may stop using the Service at any time, subject to any outstanding subscription or purchase obligations.
Budget sharing
If the Service allows you to share a budget with another account holder, that person may be able to view or edit the information you share with them.
Anything another authorized user changes may be saved to your budget.
You are responsible for choosing who receives access to your budget and for removing access when you no longer want that person to have access.
Coaches
If you purchase coaching, an authorized member of our team may access your saved budgets, goals, notes, calculator inputs, and other relevant information to prepare for and deliver your coaching.
Coaches may create private coaching notes concerning your sessions and recommendations.
6. Free Service
We may provide portions of the Service at no charge, including budgeting tools, calculators, educational content, or account features.
We may change, suspend, limit, or discontinue free features at any time, subject to applicable law.
Free access does not create a guarantee that a particular feature will remain available indefinitely.
7. Paid coaching
Prices for coaching are displayed on the Service in U.S. dollars at the time of purchase.
Coaching may be offered as:
- one-time written analyses;
- individual coaching sessions;
- multi-session packages;
- recurring coaching programs; or
- other coaching products described on the Service.
The specific price, duration, number of sessions, deliverables, and other material terms presented at checkout apply to your purchase.
Scheduling
Where applicable, coaching sessions are scheduled through Cal.com or another scheduling service identified at checkout.
A booking is not complete until the scheduling service confirms the appointment.
Rescheduling and missed sessions
You may reschedule a coaching session without charge if you request the change at least 48 hours before the scheduled start time.
A session that you miss, or cancel with less than 48 hours' notice, is billed as a completed session. We may offer to reschedule it depending on coach availability, but we are not obligated to do so.
Unused sessions in a package expire 12 months after the date of purchase.
8. Digital products and courses
We may sell digital courses, video training, guides, templates, worksheets, downloads, and other digital products.
Unless otherwise stated at purchase, digital products are licensed for your personal, non-commercial use and are not sold as a transfer of copyright ownership.
Course access
Your purchase provides access for the access period stated at checkout.
If no access period is stated, your access continues for as long as we keep that course available on the Service.
You may not share your account credentials or course access with another person.
We may restrict or terminate access if we reasonably determine that an account is being shared, resold, copied, or used in violation of these Terms.
Course updates
We may update course content from time to time. Updates may include new lessons, revised information, corrections, or replacement materials.
We do not guarantee that a course will contain a particular number of lessons, videos, or other materials unless that quantity is expressly stated at purchase.
9. Subscriptions and recurring billing
If we offer subscription products or memberships, the applicable checkout page will identify:
- the subscription price;
- the billing frequency;
- any introductory or promotional period;
- what is included;
- the renewal terms; and
- any material limitations on cancellation.
By starting a subscription, you authorize us and our payment processor to charge your selected payment method on a recurring basis until you cancel or the subscription is otherwise terminated.
Automatic renewal
Unless otherwise stated at checkout, a subscription automatically renews for successive billing periods of the same length as the original subscription.
Your payment method will be charged at the beginning of each renewal period.
Cancellation
You may cancel a subscription at any time using the cancellation method provided through your account or by contacting us at billing@wealthbydesignfinancial.com.
Cancellation takes effect at the end of the billing period you have already paid for. You keep access until then, and you are not charged again.
Unless otherwise stated or required by law, cancellation stops future recurring charges but does not automatically refund amounts already paid for the current billing period.
Promotional pricing
If we offer an introductory or promotional subscription price, the checkout page will state when the promotional period ends and what price will apply afterward.
Unless you cancel before the promotional period ends, the subscription may automatically renew at the then-current regular price.
Price changes
We may change subscription prices from time to time.
For an existing subscription, we will provide reasonable advance notice of a material price increase before the new price is charged, subject to applicable law.
If you do not wish to continue at the new price, you may cancel before the new price takes effect.
Failed payments
If a recurring payment fails, we or our payment processor may retry the payment method.
We may suspend or terminate access to the subscription if payment remains unsuccessful.
You remain responsible for amounts properly due before cancellation or termination.
10. Purchases, payment, and taxes
Prices are displayed in U.S. dollars unless otherwise stated.
Payment is processed through Stripe or another payment provider identified at checkout.
We do not receive or store your full payment-card number.
You authorize the applicable payment provider to charge your selected payment method for purchases and, where applicable, recurring subscriptions.
You are responsible for providing accurate billing information.
Applicable taxes may be added to the purchase price where required by law.
11. Refunds
Our refund policy depends on the product purchased.
Coaching
Coaching sessions. A coaching session is refundable if you request the refund at least 48 hours before the scheduled start time. A session missed, or cancelled with less than 48 hours' notice, is billed as a completed session and is not refundable.
Budget Analysis. A Budget Analysis is refundable at any time before the analysis has been performed. Once the analysis has been completed, it is not refundable.
3-Session Package. If you cancel the remaining two sessions after completing your first session, the first session is charged at our standard single-session rate and the balance of what you paid is refunded.
Refunds are not otherwise provided.
Nothing in this section limits a refund right that cannot legally be waived.
Digital products and courses
Digital products and courses are not refundable once access has been granted, except where a refund is required by law or where we state a different policy at checkout for a particular product.
Subscriptions
Unless otherwise stated at checkout or required by law, subscription payments are non-refundable for the current billing period after the period begins.
Cancellation prevents future renewal but does not automatically result in a refund of the current period.
Nothing in this section limits a refund right that cannot legally be waived.
12. Chargebacks and payment disputes
If you believe a payment was made in error or you are entitled to a refund, please contact us before initiating a payment dispute or chargeback.
We will investigate legitimate billing disputes and provide any refund that is required under these Terms or applicable law.
Initiating a chargeback for a legitimate purchase does not eliminate your obligation to pay amounts properly owed under these Terms.
13. Acceptable use
You agree not to:
- use the Service for unlawful purposes;
- attempt to access another person's account or data;
- probe, scan, or test the Service's security without written authorization;
- interfere with the operation or security of the Service;
- use bots or automated systems to create accounts or submit forms without permission;
- scrape or systematically collect content or data from the Service;
- copy, resell, or redistribute our content or coaching materials except as allowed by the Website & Content License;
- share paid account credentials or course access;
- attempt to circumvent payment, access, or subscription controls;
- reverse engineer the Service except where legally permitted; or
- use the Service in a manner that violates applicable law.
14. Our content and software
The Service, including its design, text, articles, graphics, software, courses, videos, calculators, worksheets, and other Materials, is owned by Wealth by Design Financial or its licensors.
The Website & Content License explains your rights and restrictions concerning those Materials.
Blog articles and certain other content may be drafted with artificial-intelligence assistance and reviewed by our team before publication.
15. Third-party services
The Service may use or integrate with third-party services, including payment processors, scheduling providers, hosting providers, email providers, analytics providers, security services, and artificial-intelligence providers.
Your use of a third-party service may also be subject to that provider's terms and privacy policy.
We are not responsible for the independent acts, omissions, availability, or policies of third-party services.
16. Account suspension and termination
You may stop using the Service at any time.
You may request deletion of your account by emailing billing@wealthbydesignfinancial.com from the address associated with your account.
When we delete an account, we delete your budgets, notes, goals, calculator inputs, roadmap progress, and email preferences.
Records of purchases and payments are retained after account deletion, as described in the Privacy Policy, because we are required to keep accounting and tax records.
We may suspend or terminate an account if:
- you materially violate these Terms;
- we reasonably believe your use presents a security or legal risk;
- payment obligations remain unpaid;
- you engage in fraud, abuse, or unauthorized access; or
- we discontinue the applicable Service.
Termination does not automatically cancel amounts already owed or create a refund unless otherwise provided by these Terms or applicable law.
Upon termination, your license to access paid Materials generally ends, except where applicable law or the terms of your purchase provide otherwise.
Sections concerning intellectual property, financial disclaimers, payment obligations, disclaimers of warranties, limitations of liability, indemnification, disputes, and any provisions that by their nature should survive termination will survive termination.
17. Disclaimer of warranties
THE SERVICE AND ALL MATERIALS ARE PROVIDED "AS IS" AND "AS AVAILABLE" TO THE FULLEST EXTENT PERMITTED BY LAW.
WE DISCLAIM WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, AVAILABILITY, AND RELIABILITY, EXCEPT TO THE EXTENT SUCH WARRANTIES CANNOT LAWFULLY BE DISCLAIMED.
WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE FROM HARMFUL COMPONENTS, OR THAT ANY INFORMATION, CALCULATOR RESULT, COACHING RECOMMENDATION, COURSE, OR OTHER MATERIAL WILL BE COMPLETE, CURRENT, OR SUITABLE FOR YOUR PARTICULAR CIRCUMSTANCES.
WE DO NOT GUARANTEE ANY PARTICULAR FINANCIAL RESULT.
18. Limitation of liability
TO THE FULLEST EXTENT PERMITTED BY LAW, WEALTH BY DESIGN FINANCIAL AND ITS OWNERS, EMPLOYEES, CONTRACTORS, COACHES, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST SAVINGS, LOST OPPORTUNITIES, OR LOSS OF DATA ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE.
TO THE FULLEST EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY FOR CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE WILL NOT EXCEED THE TOTAL AMOUNT YOU PAID TO WEALTH BY DESIGN FINANCIAL FOR THE SERVICE GIVING RISE TO THE CLAIM.
Some jurisdictions do not allow certain limitations of liability, so some of these limitations may not apply to you.
19. Indemnification
To the fullest extent permitted by law, you agree to defend, indemnify, and hold harmless Wealth by Design Financial and its owners, employees, contractors, coaches, and service providers from claims, liabilities, damages, losses, and reasonable expenses arising out of:
- your violation of these Terms;
- your misuse of the Service;
- your violation of another person's rights; or
- Your Content, except to the extent the claim results from our own unlawful conduct.
20. Governing law and disputes
These Terms are governed by the laws of the State of Texas, without regard to conflict-of-law principles.
Any dispute arising out of or relating to these Terms or the Service will be brought in a court of competent jurisdiction located in Texas, and you and Wealth by Design each consent to the personal jurisdiction of those courts.
Before filing, please contact us at billing@wealthbydesignfinancial.com so we can try to resolve the matter directly.
Nothing in this section limits rights that cannot lawfully be waived.
21. Changes to these Terms
We may update these Terms from time to time.
When we make material changes, we may update the version and effective date at the top of this document and provide notice through the Service, by email, or through another reasonable method.
Where technically available, signed-in users may be asked to review and accept the updated Terms before continuing to use certain portions of the Service.
Your continued use of the Service after the effective date of updated Terms constitutes acceptance of the updated Terms to the extent permitted by applicable law.
22. General provisions
If any provision of these Terms is determined to be unenforceable, the remaining provisions will remain in effect to the fullest extent permitted by law.
Our failure to enforce a provision is not a waiver of our right to enforce it later.
These Terms, together with the Privacy Policy, Website & Content License, and any product-specific terms presented at checkout, constitute the agreement between you and Wealth by Design concerning the Service, except where a separate written agreement expressly applies.
23. Contact
Questions about these Terms:
Wealth by Design Financial