Disclaimer 

Last updated: October 16, 2024 

The information provided by Ross Financial Coaching (“we,” “us,” or “our”) on  www.rossfinancialcoaching.com (the “Site”) and our services is for general informational purposes  only. All information on the Site and provided through our services is offered in good faith, however,  we make no representation or warranty of any kind, express or implied, regarding the accuracy,  adequacy, validity, reliability, availability, or completeness of any information on the Site or in our  services. 

Nature of Services 

Ross Financial Coaching provides valuable financial coaching services. These services are  educational and supportive in nature, designed to help you improve your financial literacy, develop  better financial habits, and work towards your financial goals. While our services offer significant  benefits in personal finance management, they are distinct from the services provided by financial  advisors, legal professionals, or other financial industry professionals. 

Professional Background 

Missy Ross, the founder of Ross Financial Coaching, brings a wealth of experience to her role as a  financial coach. With a career spanning over two decades in accounting and auditing, Missy holds  the credentials of a Certified Public Accountant (CPA-Retired) and Certified Internal Auditor (CIA).  

This background has provided her with a deep understanding of financial principles, reporting, and  analysis. 

However, it’s important to note that Missy’s current role as a financial coach is distinct from her  previous professional capacities. In transitioning to financial coaching, Missy leverages her  extensive knowledge to educate and guide clients in understanding their finances and developing  sound financial strategies. 

We do not provide accounting, audit, or financial advisory services. Our focus is solely on  financial education and coaching to empower individuals in their financial decision-making. 

Complementary to Professional Advice 

The content and services provided by Ross Financial Coaching are designed to support your  financial journey and empower you to make informed decisions about your finances. For specific  financial, legal, or tax matters, we strongly recommend consulting with qualified professionals in  those fields. Our coaching services are not a replacement for professional advice tailored to your  individual situation. 

Client Relationships 

For one-on-one coaching services, a client relationship is formed after signing a coaching  agreement. For online courses and subscription-based coaching, your agreement to our Terms of  Service upon purchase or subscription initiation constitutes the formal agreement. 

Outcomes and Results

While we are committed to providing high-quality coaching and resources, individual financial  outcomes can vary. Success depends on various factors, including personal circumstances and the  implementation of strategies learned. We do not guarantee specific financial results from the use  of our services. 

Limitation of Liability 

Under no circumstance shall we have any liability to you for any loss or damage of any kind incurred  as a result of the use of the Site or our services or reliance on any information provided on the Site  or through our services. Your use of the Site and our services and your reliance on any information  on the Site or provided through our services is solely at your own risk. 

External Links and Affiliate Relationships 

The Site may contain (or you may be sent through the Site) links to other websites or content  belonging to or originating from third parties. Such external links are not investigated, monitored,  or checked for accuracy, adequacy, validity, reliability, availability or completeness by us. 

We may participate in affiliate programs and may earn commissions through purchases made via  links on our website. When this is the case, we will clearly disclose this relationship on the relevant  pages or posts. However, our participation in these programs does not influence our content or  recommendations. We only endorse products or services we believe will add value to our readers. 

We do not warrant, endorse, guarantee, or assume responsibility for the accuracy or reliability of  any information offered by third-party websites linked through the Site or any website or feature  linked in any banner or other advertising. 

By using our Site and services, you agree to this disclaimer. If you do not agree with this disclaimer,  please do not use our Site or services. 

For more information about our privacy practices, please see our Privacy Policy. For details about our use of cookies and similar technologies, please refer to our Cookie Policy. 

For information about the terms and conditions of using our services, please review our Terms of  Service.