Terms of Use
Welcome to this website ("Website," "we," "our," or "us"). By accessing or using this Website and our coaching services, you agree to be bound by these Terms of Use. If you do not agree with these Terms, please do not use this Website or our services.
1Purpose of this website
This Website is intended to provide educational information regarding personal finance, budgeting, debt reduction strategies, financial organization, and financial coaching services.
The information provided is for educational and informational purposes only and should not be considered financial, investment, legal, tax, accounting, or insurance advice.
2Financial coaching services
Our coaching services are designed to educate, support, and encourage individuals in improving their financial habits and decision-making. We do not:
- Provide investment advice
- Recommend or sell securities
- Manage investment accounts
- Provide legal advice
- Prepare tax returns
- Offer accounting services
- Sell insurance or insurance products
Clients remain solely responsible for all financial decisions they make.
3No professional relationship
Your use of this Website does not create a financial advisor, attorney-client, accountant-client, fiduciary, or other professional relationship.
A coaching relationship begins only after both parties agree to coaching services and any required agreements have been completed.
4No guarantees
Financial success depends on many factors beyond our control. While we strive to provide practical guidance and personalized strategies, we make no guarantees regarding:
- Debt reduction timelines
- Credit score improvements
- Savings goals
- Financial outcomes
- Wealth accumulation
- Employment or income increases
Past results do not guarantee future results.
5User responsibilities
By using this Website and our services, you agree that you will:
- Provide accurate information
- Use the Website lawfully
- Not misuse or interfere with the Website
- Not copy or distribute Website materials without written permission
- Make your own independent financial decisions
6Intellectual property
All Website content, including text, graphics, worksheets, logos, downloads, guides, branding, and educational materials, are the property of the Website owner unless otherwise noted.
No content may be reproduced, copied, modified, distributed, or sold without prior written permission. You may print or download materials solely for your own personal, non-commercial use.
7Payment and cancellation policy
Fees for coaching services are posted on the Pricing section of this Website.
Monthly coaching memberships may be canceled at any time. Cancellation becomes effective at the end of the current billing month. No prorated refunds will be issued for unused portions of the month unless otherwise required by law.
Individual coaching sessions are subject to the scheduling and cancellation policies communicated at the time of booking.
8Limitation of liability
To the fullest extent permitted by law, the Website owner and its owners, employees, contractors, and affiliates shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising out of or related to:
- Your use of this Website
- Your reliance on information provided through coaching or Website materials
- Financial decisions you make
- Lost profits, lost income, investment losses, business losses, or other economic damages
Your use of this Website and coaching services is at your own risk.
9Indemnification
You agree to indemnify and hold harmless the Website owner, its owners, employees, contractors, and affiliates from any claims, liabilities, damages, costs, or expenses arising from your misuse of this Website or violation of these Terms of Use.
10Third-party links
Our Website may contain links to third-party websites for your convenience. We do not control or endorse those websites and are not responsible for their content, products, services, or privacy practices.
11Privacy
Your use of this Website is also governed by our Privacy Policy, which explains how we collect, use, and protect your information.
12Changes to these terms
We reserve the right to modify these Terms of Use at any time. Any changes will become effective upon posting to this Website. Continued use of the Website constitutes acceptance of the revised Terms.
13Governing law
These Terms of Use shall be governed by and interpreted under the laws of the State of New York, without regard to its conflict of law principles. Any legal action arising from these Terms shall be brought in a court of competent jurisdiction located within the State of New York.
14Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
15Contact
If you have any questions regarding these Terms of Use, please contact us at:
Anraz Consulting LLC d/b/a Anraz Finance
865 Merrick Avenue, Suite 180N, Westbury, NY 11590
info@anrazfinance.com · (347) 513-3040