Terms of Service

Terms of Service 

Last updated: October 16, 2024 

  1. Introduction 

Welcome to Ross Financial Coaching (“we,” “our,” or “us”), a DBA of FIRE Capital LLC. By accessing or  using our website www.rossfinancialcoaching.com and our services, you agree to be bound by  these Terms of Service. Please also review our Privacy Policy and Cookie Policy, which govern your  use of our services. 

  1. Services 

We provide financial coaching services, digital products, and related resources. Our services do  not constitute financial advice, and we do not guarantee specific financial outcomes. The success  of our coaching is influenced by various factors, including the client’s commitment, circumstances,  and application of strategies learned. For a full understanding of the nature and limitations of our  services, please refer to our Disclaimer. 

  1. User Conduct 

You agree to use our services and website in compliance with all applicable laws and these Terms  of Service. You shall not: 

  • Use our services for any illegal purpose 
  • Infringe upon our intellectual property rights 
  • Interfere with or disrupt our services or servers 
  • Impersonate any person or entity 
  1. Payment and Refunds 

4.1 Online Courses: 

  • Payment is due in full at the time of purchase. 
  • Access to course materials is granted upon successful payment processing. 4.2 One-on-One Coaching: 
  • Payment is due at the time of booking for single sessions. 
  • For coaching packages, payment terms, including any installment options, will be agreed  upon in your coaching contract. 
  • Cancellations made with less than 24 hours’ notice will be charged in full. 
  • • We do not offer refunds for coaching packages or individual sessions. 

4.3 Group Coaching: 

  • Payment is due in full at the time of registration.
  • Refunds are available up to 7 days before the program start date, minus a 10%  administrative fee. 

4.4 Subscription Services: 

  • Payments are processed monthly. 
  • You can cancel your subscription at any time by providing 30 days’ notice. Cancellations will  take effect at the end of the billing cycle following the 30-day notice period. 
  • We do not offer partial refunds for unused portions of a billing cycle. 

4.5 Digital Products: 

  • Payment is due in full at the time of purchase. 
  • Due to the nature of digital products, we do not offer refunds once the product has been  downloaded or accessed. 
  1. Intellectual Property 

All content on our website and in our services, including but not limited to text, graphics, logos, and  images, is our property and is protected by copyright and other intellectual property laws.  

  1. WEALTH Framework 

The WEALTH Framework is the proprietary coaching methodology of Ross Financial Coaching. All  rights, title, and interest in and to the WEALTH Framework, including all associated intellectual  property rights, are and will remain the exclusive property of Ross Financial Coaching. 

The WEALTH Framework is protected by copyright law. Copyright protection is automatic upon  creation of an original work, and the WEALTH Framework is considered an original work of  authorship. 

Any unauthorized use, reproduction, modification, distribution, transmission, republication,  display, or performance of the WEALTH Framework is strictly prohibited without the express  written permission of Ross Financial Coaching. 

  1. Privacy 

Your use of our services is also governed by our Privacy Policy, which is incorporated into these  Terms of Service by reference. By using our services, you consent to the collection and use of  information as detailed in our Privacy Policy. 

  1. Cookies 

We use cookies to enhance your experience on our website. For more information about how we  use cookies, please see our Cookie Policy. 

  1. Disclaimer of Warranties

Our services and digital products are provided ‘as is’ without any warranty of any kind. We disclaim  all warranties to the fullest extent permitted by law. For a complete understanding of our  disclaimers and limitations, please refer to our separate Disclaimer document. 

We do not provide specific investment recommendations or other services that require licensing  as a financial advisor. For advice on specific investments or other regulated financial products,  please consult with a licensed financial professional. Our coaching complements, rather than  replaces, the services of licensed financial, legal, or tax professionals. 

  1. Limitation of Liability 

To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, special,  consequential, or punitive damages, or any loss of profits or revenues. 

  1. Indemnification 

You agree to indemnify and hold us harmless from any claims, losses, liabilities, and expenses  (including attorneys’ fees) arising out of your use of our services or any violation of these Terms of  Service. 

  1. Governing Law and Jurisdiction 

These Terms of Service shall be governed by and construed in accordance with the laws of North  Carolina. Any dispute arising out of or relating to these Terms of Service shall be subject to the  exclusive jurisdiction of the courts in North Carolina. 

  1. Changes to These Terms of Service 

We reserve the right to modify these Terms of Service at any time. We will notify you of any  changes by posting the new Terms of Service on this page and updating the “Last updated” date at  the top of this page. We encourage you to review these Terms of Service periodically for any  changes. Your continued use of our services after any modifications will constitute your  acknowledgment and agreement to the modified terms. 

  1. Contact Us 

If you have any questions about these Terms of Service, please contact us at: info@rossfinancialcoaching.com.

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