Terms and Conditions
Terms & Conditions version 1.1, effective October 22nd 2025.
INTRODUCTION
These Terms and Conditions outline the rules and regulations for the use of our website. PLEASE READ ALL OF THEM CAREFULLY.
This website is the property of Budget Coaching For Everyone (hereinafter “company”, “we”, “us” or “our”). The individual accessing or using this website (or other legal entity on behalf of which such individual is accessing or using the website) is hereinafter “you” or “your”, as applicable. These terms and conditions, together with our Privacy Policy, set forth the general rules and policies governing your use of our website. If you later sign a coaching services contract with the company (together with this website and any other services including our social media presence, collectively hereinafter the “service”) you will also be required to agree to the terms and conditions of that contract.
BY ACCESSING THIS WEBSITE, MOBILE APPLICATION OR ANY COMPANY SOCIAL MEDIA (HEREINAFTER “site”), YOU AGREE TO BE BOUND BY THE LEGAL TERMS AND CONDITIONS SET FORTH BELOW. IF YOU DO NOT AGREE TO THESE LEGAL TERMS AND CONDITIONS, DO NOT ACCESS ANY PART OF THIS SITE.
INTELLECTUAL PROPERTY
We hold and reserve all intellectual property rights for all content on this site, including ideas, know-how, site design and dynamics, and other matters included within the site and related to the site and all other present and future trademarks, copyrights, patents, and intellectual property rights related thereto. You may not use our content in any way that is not necessary or implied for the proper use of the service. Specifically, but without limitation, you may not copy, download, share (beyond the limits mentioned below), modify (including through the use of ‘frames’ around any pages or sub-part of our site), translate, transform, publish, transmit, sell, sublicense, edit, transfer, assign to third parties, or create derivative works from the content on our website. You also cannot allow any third party to do so through your account or device, even unknowingly.
DISCLAIMERS
ANY INFORMATION PROVIDED ON THIS SITE IS DONE WITH THE UNDERSTANDING THAT WE ARE NOT PROVIDING INFORMATION ON TOPICS INCLUDING (BUT NOT LIMITED TO) INVESTMENTS, SECURITIES, TAXES, INSURANCE, ANNUITIES, FINANCIAL PLANNING, RETIREMENT PLANNING, OR ANY LEGAL OR MEDICAL ADVICE. YOU ARE STRONGLY ENCOURAGED TO CHOOSE A LICENSED PROFESSIONAL YOU ARE COMFORTABLE WITH TO DISCUSS ANY AND ALL OF THESE TOPICS.
WE ARE NOT AN RIA (REGISTERED INVESTMENT ADVISOR) FIRM, FINANCIAL ADVISOR OR BROKER. WE ARE NOT CERTIFIED FINANCIAL PLANNERS (AS DEFINED BY THE CFP BOARD), AND WE DO NOT OFFER FINANCIAL PLANNING SERVICES.
NONE OF THE INFORMATION ON THIS SITE SHOULD BE CONSTRUED AS, OR UTILIZED AS A SUBSTITUTE FOR, THERAPY, COUNSELING, PSYCHOTHERAPY, PSYCHOANALYSIS, MENTAL HEALTH CARE OR SUBSTANCE ABUSE TREATMENT. YOU ARE STRONGLY ENCOURAGED TO CONTACT A LICENSED MENTAL HEALTH PROFESSIONAL TO DISCUSS ANY AND ALL OF THOSE TOPICS.
The company provides this site and service on an “as is” and “as available” basis. You use this site at your own risk, and are solely responsible for using your judgement to assess the site content. We explicitly state that we are not making any promises or guarantees with regard to the site’s content, whether they are express, implied, or even required by law. These include assurances about the quality of the service, its suitability for your specific needs, any implied warranties of merchantability, fitness for a particular purpose, or whether it infringes on anyone else's rights. Please keep in mind that any advice or information you receive from us or through our service does not create any warranties of any kind.
We do not guarantee that the site will meet your requirements or be available when you need it. There may be unavailability, interruptions, or it might not function correctly due to ‘force majeure’ events beyond our control including but not limited to fire, storm, earthquake, war, terrorism, sabotage, riot or civil commotion, failure of public or private telecommunications or electricity networks, or failure of vendor partners such as the site host.
At certain times, part or all of this entire site may also be unavailable due to technical problems or routine site maintenance. We cannot ensure that the site will be free of harmful programmatical bugs, viruses, scripts, worms, trojan horses, timebombs, malware or other harmful elements. Our site also might not always be accessible or may not operate correctly with your web browser, mobile device, or operating system. If you choose to access or download any content from our site or service, you are assuming the risk, and we cannot be held responsible for any perceived or actual damage it might cause to your software, devices, other hardware such as wireless receivers, your cable service, phone access or data.
We do not warrant that any of the content on the site is accurate, complete, or current. We make no commitment to update the content presented on this site. It is your responsibility to verify any information before relying on it. Additionally, the content of this site may include technical inaccuracies or typographical errors.
While we may have certain exclusions and limitations in our agreement, these may not apply to you depending on the laws of your jurisdiction. US Federal law, as well as laws in some states and other jurisdictions, may offer protections that supersede our disclaimers and exclusions. However in such a case the exclusions and limitations set forth in this section shall be applied to the greatest extent enforceable under applicable law.
LICENSE TO USE
You are granted a limited, non-exclusive license to access and use this site, subject to your agreement to these terms and conditions. Where explicitly stated within the site, you may download, copy, and share some of the content from our website for personal and non-commercial use, provided you correctly implement required attributions. Any statutory limitations or exceptions to copyright remain unaffected. Title to and all intellectual property rights to the material on this site remain the property of the company.
SITE LINKS TO THIRD PARTIES
We do not endorse or guarantee any third party products or services advertised through our service or any links we provide. We are not responsible for the accuracy or reliability of any information, data, opinions, advice or statements made on those linked sites. The fact that we have provided a link to a site is not an endorsement, authorization, sponsorship, or affiliation by us with respect to such site, its owners, or its providers. We have not tested any information, software, products or services found on these sites and therefore cannot make any representations concerning the content of the sites. Any interactions you have with third party sites are solely your responsibility, and are not governed under these terms and conditions. You are strongly encouraged to read the terms and conditions for any third party site prior to accessing or using that site.
LIMITATION OF LIABILITY
To the maximum extent permitted by applicable law, in no event shall we, along with our subsidiaries, affiliates, officers, directors, agents, partners, suppliers, or employees, be liable for any indirect, punitive, incidental, special, consequential, or exemplary damages arising from or related to your use of, or inability to use, the site or service. This includes damages for loss of profits, goodwill, use, data, or other intangible losses. We are also not liable for any damage, loss, or injury resulting from hacking, tampering, or unauthorized access to your account or the information within it, any errors, mistakes, or inaccuracies in the content provided, any personal injury or property damage resulting from your use of the service, any unauthorized access to our secure servers or personal information stored therein, any interruption or cessation of transmission to or from the service, any harmful programmatical bugs, viruses, scripts, trojan horses, worms, malware, timebombs or other harmful elements transmitted through the service, any errors or omissions in any content posted, transmitted, or made available through the service, and any defamatory, offensive, or illegal conduct of any user or third party.
This limitation of liability provision applies even if we had previously been advised of the possibility of or could have foreseen the possibility of damages. In no event shall our cumulative liability to you exceed the total purchase price of the coaching services package you purchased from us, and if no purchase has been made our total liability to you shall not exceed $100.
This limitation of liability section will apply to the fullest extent permitted by law in the applicable jurisdiction whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if you have been advised of the possibility of such damage.
Please note that in some jurisdictions, the exclusion or limitation of incidental or consequential damages may not be allowed. US Federal law, as well as laws in some states and other jurisdictions, may offer protections that supersede our disclaimers and exclusions. However in such a case the exclusions and limitations set forth in this section shall be applied to the greatest extent enforceable under applicable law.
RESERVATION OF RIGHTS
We reserve the right at any time and in our sole discretion to request that you remove any links or references to any part of our site. We also reserve the right to suspend or restrict access to any user at any time, at our sole discretion.
INDEMNIFICATION
By using and accessing this site and the service, you agree to defend, indemnify, and hold us, our subsidiaries, affiliates, officers, directors, agents, co-branders, partners, suppliers, and employees harmless from any claims, damages, losses, liabilities, costs, or expenses, including legal fees, arising from any of the following - your use of the service (including any data or content you transmit or receive), your infringement of third-party rights (such as privacy or intellectual property rights), your violation of statutory laws, rules, or regulations, your submittal of any content from your account (including third-party access using username, password, or other security measures), your use of misleading, false, or inaccurate information, your intentional misconduct, your negligence, your violation of these terms (including any breach of representations and warranties), or any statutory provision by you (or your affiliates, officers, directors, agents, co-branders, partners, suppliers, and employees), to the extent permitted by law.
YOUR RESPONSIBILITIES
You agree to use this site and service in a lawful manner, and without violation of the company’s intellectual property rights or any other rights. You agree not to attempt to access, change or disrupt any part of this site or the source code within it. You agree not to disparage this site or service including, but not limited to, any declaration, comment, communication or other statement of any kind, in writing, electronic or verbal format, that might be construed as slanderous, libelous, derogatory or defamatory. You agree that use of this site and service does not create any business, employment or contractor relationship between yourself and the company. You cannot assign or transfer your rights or obligations under any of our terms and conditions provisions without our written permission.
By operating this site and service, we may make available to you certain information about our business or intellectual property. You acknowledge and agree that all data, information and knowledge provided to you regarding the business and our service, that is not generally known or publicly available, is the company’s confidential data and you will not copy, duplicate, store or disclose such confidential information without our prior written consent.
You agree that we may communicate with you electronically in response to any personal data you may enter into the site or provide during your use of the service. You consent to receiving these communications electronically, including email, phone calls, or text (SMS) messaging, or by mail. You may opt out of these communications at any time by contacting us.
In the event you breach your responsibilities under these terms and conditions, the company reserves the right to pursue equitable relief, including specific performance and injunctive relief, as well as pursue reimbursement of all attorneys’ fees and expenses.
CHANGES TO LEGAL TERMS AND CONDITIONS
This site, our business and the service may change from time to time. As a result, we may update these legal terms and conditions at any time. When we do, we will publish an updated version on this page, incrementing the version number, and the latest version will always be dated. You are advised to review this terms and conditions page periodically for any changes.
By continuing to use this site or providing us with personal data after we have published an updated terms and conditions version (or notified you by other means if applicable), you consent to the updated terms and conditions and all practices described within it. All interactions with the site or service, even if prior to the new terms and conditions version, will always be subject to the latest published terms and conditions version held on this site.
JURISDICTION
These terms and conditions shall be governed and construed in accordance with the laws of the State of Florida, without giving effect to any conflicts of the law’s provisions.
DISPUTE RESOLUTION AND ARBITRATION
If a dispute arises out of your use of this site or service, you agree to first contact the company to attempt to resolve the dispute between the parties. If the dispute cannot be resolved by mutual consent, you agree that the matter shall be submitted to mediation. The terms and procedure for mediation shall be arranged by both parties to the dispute. This may include mediation by a neutral third party.
If good-faith mediation of a dispute proves impossible or an agreed-upon mediation outcome cannot be obtained, you agree that the dispute may be submitted to arbitration by either party in accordance with the rules of the American Arbitration Association. Either party may commence arbitration of the dispute by sending a written request for arbitration to the other party in the dispute. The request shall state the nature of the dispute to be resolved by arbitration, and arbitration shall be commenced as soon as practical after such parties receive a copy of the written request. All parties shall initially share the cost of arbitration, but the prevailing party or parties may be awarded attorney fees, costs and other expenses of arbitration. All arbitration decisions shall be final, binding and conclusive on all the parties to arbitration, and legal judgment may be entered based upon such decision in accordance with applicable law in any court having jurisdiction to do so.
You agree that any claims under these terms and conditions shall proceed individually, and you agree not to join in a class action or other proceeding with or on behalf of others.
ARBITRATION OPT OUT
Whether or not to agree to an arbitration clause is an important decision, and is yours to make. You are free to opt out of the above Arbitration provision by contacting us at any time, using the contact information included below. Your decision to opt out will not affect your ability to access the site content.
SEVERABILITY
If any provision of these terms and conditions shall be held to be invalid or unenforceable by a court for any reason, the remaining provisions shall continue to be valid and enforceable. If the court finds that any provision of these terms and conditions are invalid or unenforceable, but that by limiting such provision it would become valid and enforceable, then such provision shall be deemed to be written, construed, and enforced as so limited.
Upon any termination of this agreement, the provisions contained in these terms and conditions that by their context are intended to survive termination or expiration will survive indefinitely, including, but not limited to, your indemnification obligations, the disclaimers including all warranties and representations, and the limitation of liability provisions.
PRIVACY POLICY
Part of the terms and conditions that you agree to when accessing or using this site is our Privacy Policy (found here), which governs how we use your personal data. As part of reading these terms and conditions please also read in full the privacy policy, posted within the footer of multiple site pages. Among other things, our privacy policy covers the use of cookies on the site, and how to opt out of those cookies where available. Please be aware that the privacy policy is governed by, and does not limit or modify, these terms and conditions.
As part of the privacy policy, you agree that we may release your personal information when we believe release is required to comply with enforcement of Federal, State and local laws, enforce our site policies, under court order or subpoena, or to protect ours’ or others’ safety, rights or property.
CHILDREN
Our site and service is not directed to children who are under the age of 18. The company does not knowingly collect personal data from children under the age of 18. If you have reason to believe as a parent or guardian that a child under the age of 18 has provided personal data to us through this site please contact us and we will delete that information from our records as soon as we receive the request (within ten business days in extenuating circumstances). For more information about the Children’s Online Privacy Protection Act (COPPA) please visit the U.S. Federal Trade Commission website at www.ftc.gov.
ACCESSIBILITY
The company is committed to making our site and service accessible to all users, including those with disabilities. We strive to adhere to the latest Web Content Accessibility Guidelines (WCAG) Level AA standards in our ongoing effort to ensure a user-friendly and inclusive experience. If you encounter any accessibility issues, please contact us using the contact information included below so we can address them promptly.
LOCATION OF SITE AND SERVICES
This site and business is focused on potential customers within the United States, and we will not knowingly enter into a signed coaching services contract with a resident of a country outside the United States. Notwithstanding the above, our services are offered only in jurisdictions where they may be lawfully offered for sale, and are subject to these terms and conditions as well as any conditions of the coaching services contract once signed. Access to the site and service from countries where such access is illegal is prohibited.
If you are within the European Union and you access or manually enter personal data into this site, you are entitled to certain information and have certain rights under the General Data Protection Regulation (GDPR). Please see our privacy policy for additional details regarding your rights.
NO WAIVER
No waiver of any subset of these terms and conditions shall be effective unless it is in writing and signed by the company Manager, and no waiver shall be deemed to imply or constitute a continuing waiver or a waiver of any of the other terms or conditions.
BUSINESS TRANSFERS
If the company or substantially all of its assets are acquired, or if the company enters bankruptcy, personal data would be one of the assets that may be transferred or acquired by a third party. By continuing to access this site you acknowledge that such transfers, while unlikely, may occur, and that any acquirer of the company may continue to use your personal data as set forth in our privacy policy.
TRANSLATION INTERPRETATION
These terms and conditions may have been translated. You agree that the original English text shall prevail in the case of any dispute.
HEADINGS
Provision headings within these terms and conditions are provided only as a way to facilitate ease of reference. They do not signify any material interpretation of any of the provisions within this legal agreement.
ENTIRE AGREEMENT
These terms and conditions reflect the entire agreement between you and company when you access or use this site. It reflects a complete understanding of the parties with respect to the subject matter, but does not supersede any additional contract you may sign to obtain any other service, separate to this site, from the company in the future.
ACCEPTANCE OF TERMS
By accessing or using this site, you signify your acceptance of all terms and conditions outlined here. If you do not agree to these legal terms and conditions, please do not access our site.
Your continued use of the site following the posting of any changes to these terms and conditions means you accept those changes. If you do not accept any of the changes, please do not access our site.
CONTACT US
If you have any questions about our terms and conditions, privacy policy or information practices, please contact us using the information below -
Email (opens in a new window) contact@budgetcoachingforeveryone.com
or call (407) 794 0014
or write to -
Timporo LLC
10027 Baywater Breeze Drive
Orlando, FL, 32827