Terms of service

Terms + Conditions

Thank you for visiting www.DebtFreeLivinNY.com

Last updated: 12.10.2021

1. Introduction 

These are the Terms and Conditions (“Terms” or “Agreement”) for using, visiting, and purchasing products and/or services from https://my.DebtFreeLivinNY.com

 

Site is owned and operated by Cheryl Vallejo a New York limited liability financial education business owner. 

 

Please read these Terms carefully. This agreement is between Company and User (“you”, “your”, “client”, “member”, “subscriber”, “visitor” or “customer”). Your access to and use of the Site is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who access or use the Site.

 

This Website is offered and available to users who are 18 years of age or older. By using this Website, you represent and warrant that you are of legal age to form a binding contract/agreement with us. 

 

2. Lawful Purposes 

You may use the Site for lawful purposes only and must not use this site to conduct any illegal activity within your jurisdiction. You agree to be financially responsible for all purchases made by you or someone acting on your behalf through the Site. You also agree to use the Site and to purchase services or products through the Site for legitimate, non-commercial purposes only. This means you will not profit from or repurpose any of Site’s contents for your own business or commercial gain. 

By using this Site, you agree not to transmit any material that violates or infringes the rights of others. This includes but is not limited to threatening, abusive, libelous, vulgar, profane, or criminal activity and content.

3. Purchases

If you wish to purchase any product or service made available through the Site, you may be asked to supply certain information relevant to your purchase including, but not limited to, your personal contact and payment information. Relevant privacy policies may also apply during purchases. Users are advised to review the Privacy Policy accordingly. 

4. Payment Terms

Prices for products and services are listed online on our shop’s page. For any product or service that does not list a price, such information will be provided directly by Cheryl Vallejo via email, sales call, or other direct customer communications. 

Client will provide a valid credit card and/or provide sufficient payment in accordance to third party payment systems found on the Site. 

5. Cancellation and Refunds

Unfortunately, due to the nature that the items are instant digital downloads I don't accept returns, exchanges, or cancellations. But please contact me if you have any problems with your order.

6. Intellectual Property

All original content created and/or delivered by Company, including, but not limited to all trademarks, course materials, copy, images, web design, digital products and downloads, templates, education material, and program structure (“Content”) shall remain the exclusive property of Company. This Content is considered intellectual property and shall not be used by Site visitors in any unlawful way. Users and clients shall not use Content for commercial purposes or claim any ownership over Content without prior written consent or license to use from the Company in writing. Misuse of Content shall constitute intellectual property infringement and can result in liability for User. Violation of such rights will also constitute a breach of these Terms. 

7. Disclaimers and Guarantees

Company does not promise any specific outcome or guarantees to customers and site visitors. Clients agree to comply with terms in order to achieve the most ideal personal outcome and to reach out to Company with any questions or concerns. 

Company will provide members, clients, and users with sufficient information and tools for the most ideal user experience.

Company is led by a trained financial expert and educator. Resources surrounding budgeting and finance are available to inform, guide, and promote optimal outcomes for clients and customers but cannot be used to predict or guarantee any particular outcome. Company and its affiliates do not and cannot promise any dollar amount or financial growth. Company is not a lawyer, educational or financial institution, accountant, therapist, or life coach. One-to-one work will be performed in good faith with the Client's best interest in consideration. Client acknowledges that it is still their own personal responsibility to make and implement the best decisions for their specific financial goals. 

Company shall not be liable for any undesirable financial outcome after purchasing any of Company’s services and/or products. 

8. Other Sites 

Company may provide links and/or references to other websites that are not owned or controlled by Company or related to this Site. Company assumes no responsibility nor does it have any control over the content, policies, or practices of any third-party website. 

You  acknowledge and agree that Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods or services available on or through any such websites or services. 

9. Limitations 

By using this site User understands that Company is not liable for personal or professional outcomes that may or may not arise as an alleged result of viewing the Site's Content. Users are advised to consume content as educational and to use personal discretion in how and when to apply such information. 

10. Amendments 

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least thirty (30) days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

11. Entire Agreement

Unless otherwise specified herein, this agreement constitutes  the entire agreement between the user and the Company with respect to the Website. This Agreement supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and the Company with respect to the Website. 

13. Governing Law and Venue

These Terms will be governed by the laws of New York, without regard for conflicts of laws principles. Each Party consents to the personal jurisdiction of the state and federal courts located inSuffolk County, New York for any lawsuit filed concerning any matter arising from or relating to these Terms.

14. Contact Us

If you have any questions about these Terms, please contact us at:

Debtfreelivinny@gmail.com