Review note for the site owner (delete before publishing): every item in
[brackets]below could not be determined from the application and must be confirmed by you and, ideally, an attorney licensed in your state. Change theversionin this file's header whenever the text changes — signed-in users are asked to accept the new version and the old acceptances stay on record.
1. Who we are and what these terms cover
These Terms of Service ("Terms") are an agreement between you and Wealth by Design Financial ("Wealth by Design", "we", "us") [CONFIRM legal entity name, entity type, and state of formation] covering your use of wealthbydesignfinancial.com and everything offered through it (the "Service"):
- a free account with a zero-dollar budget planner, a Wealth Building Roadmap tracker, financial calculators, and personal notes;
- the blog and other educational content;
- paid coaching products purchased through the site; and
- the coach and administrator tools used by our team to deliver coaching.
By creating an account or purchasing a product you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.
2. Eligibility and accounts
You must be at least [18] years old [CONFIRM minimum age] and able to enter a binding contract to create an account. You are responsible for keeping your password confidential and for all activity under your account. Tell us promptly at the address in Section 13 if you believe your account has been accessed without permission.
We may ask you to verify your email address before purchasing a paid product.
3. Financial coaching is education, not professional advice
Wealth by Design provides financial coaching and educational content — budgeting frameworks, debt-payoff strategies, savings targets, and accountability. It is not investment, tax, legal, or accounting advice, and we are not acting as your fiduciary, investment adviser, broker, or attorney [CONFIRM: state here whether anyone on the team holds a financial license or registration; if not, keep this sentence].
The calculators on the Service (savings goal, retirement projection, mortgage payoff) produce estimates from the numbers and assumptions you enter, including an assumed rate of return that you can change. They are illustrations, not forecasts or promises of results. Decisions about your money are yours; consider consulting a licensed professional for advice specific to your situation.
4. Your budget data and other content
You keep ownership of everything you enter into the Service — budget figures, notes, goals, calculator inputs, and account labels ("Your Content"). You give us a limited licence to store, display, and process Your Content solely to operate the Service for you, including showing it to a coach you have been assigned to or to a partner you have chosen to share your budget with.
Budget sharing. You can invite another account holder to view and edit your budget. Anything they change is saved to your budget. You can remove their access at any time from the budget page.
Coaches. If you purchase coaching, a member of our team is assigned to you and can see your saved budgets, goal notes, and calculator inputs in order to prepare for and deliver your sessions. Coaches keep private session notes about their work with you.
5. Paid coaching products
Prices are shown on the site in U.S. dollars at the time of purchase. Today the paid products are one-time purchases — a written Budget Analysis, a single 60-minute coaching session, and a three-session package — and there are no subscriptions or recurring charges.
Payment is processed by Stripe. We never see or store your full card number. Sessions are scheduled through Cal.com after payment; the booking confirmation and any calendar invitation come from that scheduling flow.
Refunds, rescheduling, and missed sessions: [CONFIRM — the application records refunds and disputes issued through Stripe but contains no stated refund, cancellation, rescheduling, or no-show policy. State your policy here, e.g. whether a Budget Analysis is refundable once delivered, how far in advance a session can be rescheduled, and what happens to unused sessions in a package.]
6. Acceptable use
You agree not to:
- use the Service for anything unlawful or to harm others;
- attempt to access another person's account or data, or probe, scan, or test the Service's security without written permission;
- use bots or automated means to create accounts or submit forms (the sign-up and sign-in forms use an automated-traffic check for this reason);
- copy, resell, or redistribute our content or coaching materials except as the Website & Content License allows; or
- interfere with the operation of the Service.
7. Our content and the software
The Service, its design, text, articles, graphics, and software are owned by Wealth by Design or its licensors and are protected by copyright and other laws. The Website & Content License explains what you may do with them. Blog articles are drafted with AI assistance and reviewed by our team before publication, as noted on each article.
8. Termination
You may stop using the Service at any time. [CONFIRM: the application does not currently offer self-service account deletion — state how a user can request deletion of their account and data, e.g. by emailing the address in Section 13.] We may suspend or close an account that violates these Terms. Sections 3, 7, 9, 10, 11, and 12 survive termination.
9. Disclaimer of warranties
The Service is provided "as is" and "as available." To the fullest extent permitted by law we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be uninterrupted or error-free, or that using it will produce any particular financial outcome.
10. Limitation of liability
To the fullest extent permitted by law, Wealth by Design will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for lost profits, savings, or data, arising from your use of the Service. Our total liability for any claim relating to the Service is limited to the amount you paid us in the twelve months before the claim arose, or [$100] if you have paid nothing [CONFIRM cap]. Some jurisdictions do not allow these limitations, so they may not apply to you.
11. Indemnity
You agree to indemnify Wealth by Design and its team against claims arising from Your Content or your violation of these Terms.
12. Governing law and disputes
These Terms are governed by the laws of the State of [CONFIRM state], without regard to conflict-of-laws rules. [CONFIRM dispute process: courts of a named county/state, or arbitration, and whether class actions are waived.]
13. Changes to these terms; contact
We may update these Terms. When we do, the version and effective date at the top change, and signed-in users are asked to review and accept the new version. Continued use after the effective date is acceptance of the new Terms.
Questions about these Terms: lee@wealthbydesignfinancial.com [CONFIRM preferred contact address and any mailing address required in your state].