TERMS OF SERVICE
FrankTheFinancialCoach, LLC
Effective Date: May 31, 2026
Company Name: FrankTheFinancialCoach, LLC
Company Address: 87 Madison Street, Apt 542, Park Ridge, NJ 07656
These Terms and Conditions govern your use of the website, digital products, coaching services, consulting services, educational programs, assessments, memberships, workshops, webinars, downloadable materials, email communications, SMS communications, and related services offered by FrankTheFinancialCoach, LLC.
By using this website, purchasing any product or service, booking a coaching or consulting session, registering for a course, downloading materials, submitting information, or communicating with FrankTheFinancialCoach, LLC, you agree to these Terms and Conditions.
1. Company Overview
FrankTheFinancialCoach, LLC is a New Jersey-based coaching, consulting, and educational company that provides financial education, career coaching, business coaching, personal development guidance, educational content, digital products, assessments, workshops, online courses, and related services primarily to clients located in the United States.
Our mission is to help individuals, especially young adults, early-career professionals, families, students, and motivated learners, make more confident, informed, and responsible decisions about money, work, career direction, business, personal growth, and long-term financial well-being.
2. Acceptance of Terms
By accessing or using our website, products, services, programs, materials, coaching sessions, consulting services, digital content, SMS communications, email communications, or other offerings, you agree to be bound by these Terms and Conditions and our Privacy Policy.
If you do not agree with these Terms and Conditions, you should not use our website, services, products, programs, or materials.
3. Eligibility
You must be at least 18 years old to purchase our services, programs, digital products, memberships, or coaching packages.
Our services are not intended for children under the age of 13. We do not knowingly collect personal information from children under 13. If you are under 18, you may only use our services with the involvement and consent of a parent or legal guardian.
4. Description of Services
FrankTheFinancialCoach, LLC may provide, among other things:
Individual coaching
Group coaching
Consulting services
Career coaching
Financial education
Business and entrepreneurship education
Personal finance education
Online courses
Webinars and workshops
Digital downloads
Membership communities
Email newsletters
Educational assessments
Personality-style financial diagnostics
Worksheets, reports, templates, guides, and frameworks
SMS appointment reminders and client communications
Other related educational and coaching services
We reserve the right to add, modify, suspend, or discontinue any product, service, feature, program, or offer at any time.
5. Educational and Informational Purposes Only
All content, coaching, consulting, assessments, reports, courses, communications, materials, and services provided by FrankTheFinancialCoach, LLC are for educational, informational, coaching, and personal development purposes only.
Nothing provided by FrankTheFinancialCoach, LLC should be interpreted as individualized financial, legal, tax, investment, insurance, medical, mental health, accounting, employment, or professional advice.
You are responsible for evaluating information and making your own decisions. You should consult with qualified licensed professionals before making financial, tax, legal, investment, insurance, healthcare, employment, or other important life decisions.
6. No Professional Advice Disclaimer
FrankTheFinancialCoach, LLC does not provide legal, tax, investment, accounting, insurance, medical, mental health, or other regulated professional advice unless specifically stated in a separate written agreement.
Any information about budgeting, saving, investing, retirement, debt, credit, employment, career planning, entrepreneurship, or business is general educational information only.
You should not rely on our services as a substitute for professional advice from an attorney, CPA, tax advisor, registered investment adviser, broker-dealer representative, insurance professional, physician, therapist, counselor, or other licensed professional.
7. No Financial Planning, Investment Advisory, or Fiduciary Relationship
Unless specifically agreed to in a separate written agreement, your use of our services does not create a CFP, CFA, AFC, financial planning, investment advisory, broker-dealer, fiduciary, legal, tax, accounting, counseling, therapeutic, or other professional-client relationship.
FrankTheFinancialCoach, LLC does not act as your fiduciary, investment adviser, financial planner, broker, tax advisor, attorney, accountant, therapist, or employment agent.
Any references to financial education, investment principles, budgeting, saving, career decisions, or wealth-building are provided for general educational and coaching purposes only.
8. Client Responsibility
You understand and agree that you are responsible for your own choices, actions, decisions, financial behavior, career decisions, personal development, and results.
You are responsible for determining whether any information, strategy, concept, framework, product, service, or program is appropriate for your individual circumstances.
FrankTheFinancialCoach, LLC is not responsible for any decisions you make or actions you take based on our services, content, coaching, consulting, assessments, or educational materials.
9. No Guarantees of Results
FrankTheFinancialCoach, LLC does not guarantee any specific financial, career, business, academic, personal, professional, income, investment, employment, savings, debt reduction, or life outcome.
Testimonials, examples, case studies, coaching examples, hypothetical scenarios, or success stories are not guarantees that you will achieve the same or similar results.
Past results do not guarantee future outcomes.
Your results depend on many factors, including your background, effort, behavior, financial circumstances, career situation, market conditions, economic conditions, personal choices, and follow-through.
10. Earnings and Financial Disclaimer
Any discussion of income, wealth-building, investing, business opportunities, side hustles, career growth, savings, budgeting, or financial progress is for educational purposes only.
We do not guarantee that you will earn money, save money, increase income, improve investment performance, obtain employment, receive a promotion, start a successful business, or achieve any specific financial result.
All financial decisions involve risk. You are solely responsible for your own financial decisions.
11. Assessments, Reports, and Coaching Frameworks
FrankTheFinancialCoach, LLC may offer proprietary assessments, questionnaires, reports, scoring systems, worksheets, educational frameworks, diagnostic tools, and coaching materials.
These tools are designed for education, reflection, coaching, self-awareness, and personal development. They are not psychological tests, clinical assessments, financial plans, legal documents, investment recommendations, or regulated professional advice.
Your results from any assessment or questionnaire should be viewed as a starting point for reflection and conversation, not as a definitive diagnosis, prediction, or professional determination.
12. Payment Terms
By purchasing any product, service, coaching package, membership, course, workshop, webinar, assessment, report, or digital product, you agree to pay all applicable fees.
Prices are listed in U.S. dollars unless otherwise stated. We reserve the right to change prices at any time.
Payment must be received before access is granted to paid services, programs, courses, downloads, coaching sessions, or memberships unless otherwise agreed in writing.
You agree to provide accurate, complete, and current payment information.
13. Subscriptions and Memberships
If you purchase a subscription or membership, you authorize recurring billing, according to the subscription terms presented at checkout.
You are responsible for canceling your subscription according to the instructions provided. Unless otherwise stated, cancellation prevents future billing but does not automatically provide a refund for prior payments.
Membership access may be suspended or terminated if payment fails or if you violate these Terms.
14. Refund Policy
Refund terms may vary by product, service, coaching package, course, membership, workshop, webinar, assessment, or digital product.
Unless a specific written refund policy is provided at the time of purchase, all sales are final.
Digital products, downloadable materials, assessments, reports, templates, courses, and recorded content may be non-refundable once accessed, downloaded, delivered, or made available.
Coaching or consulting fees may be non-refundable once a session has occurred or once preparation work has begun.
15. Cancellation and Rescheduling Policy
Clients are expected to attend scheduled coaching, consulting, workshop, or meeting appointments on time.
If you need to cancel or reschedule a session, you must provide at least 24 HOURS notice.
Missed sessions, late cancellations, or no-shows may be forfeited and may not be refunded or rescheduled, unless otherwise agreed in writing.
FrankTheFinancialCoach, LLC reserves the right to reschedule sessions due to illness, emergencies, technical issues, scheduling conflicts, or other reasonable circumstances.
16. SMS Communications
By providing your mobile phone number to FrankTheFinancialCoach, LLC, you consent to receive SMS text messages related to appointments, meeting reminders, scheduling, coaching sessions, client communications, service updates, and related administrative matters.
SMS messages are used primarily to remind clients of appointment times and upcoming meetings.
Message frequency may vary. Message and data rates may apply depending on your mobile carrier and plan.
You may opt out of SMS communications at any time by replying STOP, CANCEL, UNSUBSCRIBE, or by contacting us directly at [INSERT EMAIL ADDRESS]. You may request assistance by replying HELP or contacting us at [INSERT EMAIL ADDRESS].
We will make reasonable efforts to honor SMS opt-out requests promptly and in accordance with applicable law.
Consent to receive SMS messages is not a condition of purchasing any product or service.
17. Electronic Communications Consent
By using our website or services, submitting forms, purchasing products, booking appointments, or communicating with us electronically, you consent to receive communications from us electronically, including by email, website notices, client portals, SMS, or other digital means.
You agree that electronic communications satisfy any legal requirement that communications be in writing.
18. Intellectual Property Rights
All content, materials, products, services, assessments, questionnaires, scoring systems, reports, worksheets, videos, audio recordings, slides, templates, frameworks, graphics, text, logos, branding, course materials, digital downloads, coaching materials, and other intellectual property created or provided by FrankTheFinancialCoach, LLC are owned by or licensed to FrankTheFinancialCoach, LLC.
These materials are protected by copyright, trademark, trade secret, and other intellectual property laws.
You may not copy, reproduce, distribute, share, sell, modify, publish, upload, transmit, teach, license, create derivative works from, or otherwise exploit our materials without prior written permission.
19. Limited License for Personal Use
When you purchase or access our materials, you receive a limited, personal, non-transferable, non-exclusive license to use those materials for your own personal, educational, or internal business use.
You may not share your login credentials, distribute course materials, forward paid content, copy assessments, publish worksheets, resell templates, or provide our proprietary materials to others.
20. Restrictions on Sharing Materials
You may not share, resell, reproduce, distribute, upload, post, publish, or otherwise make available any paid or proprietary content from FrankTheFinancialCoach, LLC, including but not limited to:
Courses
Videos
Worksheets
Reports
Assessments
Questionnaires
Scoring systems
Coaching frameworks
Templates
Guides
Downloadable materials
Membership content
Email course materials
Workshop materials
Client resources
Violation of this section may result in termination of access without refund and may subject you to legal action.
21. User Conduct
You agree not to use our website, services, programs, materials, or communications in any unlawful, abusive, fraudulent, harmful, harassing, defamatory, threatening, disruptive, or inappropriate manner.
You agree not to interfere with our website, systems, content, business operations, intellectual property, payment systems, or client community.
We reserve the right to suspend or terminate access to any person who violates these Terms.
22. Testimonials and Reviews
Testimonials, reviews, endorsements, and examples displayed on our website or marketing materials reflect individual experiences and opinions.
They do not guarantee that you will experience the same or similar results.
We may use testimonials, reviews, feedback, or comments you voluntarily provide, unless you request otherwise in writing.
23. Third-Party Links and Resources
Our website, emails, courses, materials, or coaching sessions may include links or references to third-party websites, tools, books, software, platforms, products, services, articles, or resources.
We do not control and are not responsible for third-party websites, products, services, privacy practices, policies, accuracy, content, or availability.
Your use of third-party resources is at your own risk.
24. Technology and Availability
We strive to provide reliable access to our website, courses, digital products, communications, and services, but we do not guarantee uninterrupted, error-free, secure, or continuous access.
We are not responsible for delays, interruptions, technical failures, internet outages, software issues, platform failures, payment processor issues, or third-party service disruptions.
25. Limitation of Liability
To the fullest extent permitted by law, FrankTheFinancialCoach, LLC, its owners, employees, contractors, agents, affiliates, representatives, licensors, and service providers shall not be liable for any indirect, incidental, consequential, special, punitive, exemplary, or similar damages.
This includes, without limitation, damages related to lost profits, lost income, financial losses, investment losses, employment outcomes, business losses, lost opportunities, data loss, personal decisions, emotional distress, or reliance on information provided through our services.
To the fullest extent permitted by law, our total liability for any claim shall not exceed the amount you paid to FrankTheFinancialCoach, LLC for the specific product or service giving rise to the claim during the three months before the claim arose.
26. Indemnification
You agree to indemnify, defend, and hold harmless FrankTheFinancialCoach, LLC, its owners, employees, contractors, agents, affiliates, representatives, licensors, and service providers from and against any claims, damages, losses, liabilities, costs, and expenses, including reasonable attorneys’ fees, arising out of or related to:
Your use of our website, products, services, or materials
Your violation of these Terms
Your violation of any law or third-party rights
Your misuse of our intellectual property
Your decisions, actions, or omissions based on our content or services
27. Force Majeure
FrankTheFinancialCoach, LLC shall not be liable for delay or failure to perform caused by events beyond our reasonable control, including but not limited to natural disasters, illness, emergencies, internet outages, power failures, labor disputes, government actions, war, terrorism, pandemics, platform failures, cyberattacks, or other events beyond our control.
28. Termination
We may suspend or terminate your access to our website, programs, products, memberships, communities, services, or materials at any time if you violate these Terms, fail to pay fees, misuse our content, disrupt our community, or engage in conduct we determine to be harmful, unlawful, or inappropriate.
Termination does not relieve you of payment obligations incurred before termination.
29. Governing Law
These Terms and Conditions shall be governed by and interpreted in accordance with the laws of the State of New Jersey, without regard to conflict of law principles.
30. Dispute Resolution
Before filing any claim, you agree to first contact FrankTheFinancialCoach, LLC at [INSERT EMAIL ADDRESS] and attempt to resolve the dispute informally.
If the dispute cannot be resolved informally, the parties agree to attempt mediation before pursuing litigation or arbitration, unless prohibited by law.
31. Arbitration
To the fullest extent permitted by law, any dispute, claim, or controversy arising out of or related to these Terms, our website, products, services, coaching, consulting, courses, materials, or communications shall be resolved through binding arbitration rather than in court.
The arbitration shall take place in New Jersey unless otherwise agreed by the parties.
You waive the right to participate in a class action, collective action, or representative action to the fullest extent permitted by law.
Nothing in this section prevents either party from seeking injunctive relief for misuse of intellectual property or confidential information.
32. Changes to These Terms
We may update these Terms and Conditions at any time. Updated terms will be posted on our website with a revised effective date.
Your continued use of our website, services, products, programs, or materials after changes are posted means you accept the updated Terms.
33. Contact Information
If you have questions about these Terms and Conditions, please contact:
FrankTheFinancialCoach, LLC
87 Madison Street, Apt 542,
Park Rige, NJ 07656
Email: frank@frankthefinancialcoach
Website: frankthefinancialcoach.com
