Terms & Conditions

These Terms and Conditions ("Terms") govern your use of our website located at www.cateredfinancials.com ("Website"), including any content, digital products, services, or coaching programs offered through the Website. By accessing or using this Website, you agree to be bound by these Terms. If you do not agree, please do not use this Website.

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1. Use of the Website

You must be at least 18 years old to use this Website. By using this Website, you represent that you are at least 18 years of age and capable of entering into a binding agreement.

You agree to use this Website and any resources provided for lawful purposes only. You must not misuse the Website by knowingly introducing viruses or harmful content.

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2. Intellectual Property

All content on this Website — including but not limited to text, graphics, logos, images, downloads, videos, and digital products — is the property of Catered Financials and is protected by applicable laws.

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3. Coaching Services and Digital Products

All coaching services and digital products are provided for educational and informational purposes only. While we strive to provide accurate, valuable guidance, our services are not financial, legal, or tax advice.

You are solely responsible for any decisions or actions you take based on the information provided. We recommend consulting with a qualified professional for specific financial or legal advice.

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4. Payment and Refund Policy

All prices for services or products are listed in USD and are subject to change without notice. Payments must be made according to the signed contract, or for digital products payment, must be paid in full before services or products are delivered.

Due to the nature of digital products and coaching services, all sales are final. No refunds will be issued unless otherwise stated in writing.

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5. User Conduct

You agree not to:

• Use this Website for any unlawful or harmful purpose

• Harass, abuse, or harm another person or group

• Impersonate any person or misrepresent your affiliation

• Attempt to interfere with the Website’s functionality or security

We reserve the right to deny access to the Website or our services at our discretion, without notice, for any violation of these Terms.

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6. Disclaimer

The Website and its content are provided "as is" without any warranties, express or implied. Catered Financials makes no guarantees regarding your results from using our services, products, or content.

Please refer to our full Disclaimer for more details.

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7. Limitation of Liability

To the fullest extent permitted by law, Catered Financials and its owners, employees, or affiliates shall not be liable for any damages resulting from your use of this Website or any of its content, services, or products.

This includes, without limitation, any direct, indirect, incidental, consequential, or punitive damages.

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8. Third-Party Links

Our Website may contain links to third-party websites. We are not responsible for the content or privacy practices of those sites and encourage you to read their terms and policies.

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9. Privacy Policy

Please review our Privacy Policy to understand how we collect and use your information.

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10. Changes to These Terms

We reserve the right to modify these Terms at any time. Any changes will be effective immediately upon posting. Continued use of the Website after changes constitutes your acceptance of the revised Terms.

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11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of New York State, without regard to its conflict of law principles.

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12. Security

We take reasonable steps to protect the information you provide through this Website. However, by using this Website, you acknowledge that no method of transmission over the internet is entirely secure. We cannot guarantee the complete security of any data transmitted to or from our Website, and you do so at your own risk.

You agree that we are not responsible for any unauthorized access to, or modification of, your information that may occur, nor are we liable for any resulting loss or damage. You also accept full responsibility for your use of this Website and the potential risks involved, including any impact on your device, software, or data from accessing or interacting with this Website or any external links.

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13. Indemnification

You agree to defend, indemnify, and hold harmless Catered Financials, along with its owners, employees, affiliates, and contractors, from and against any claims, demands, damages, losses, liabilities, costs, or expenses (including reasonable legal fees) arising out of or related to:

• Your violation of these Terms

• Your use or misuse of this Website or any of its content, services, or products

• Your failure to safeguard your login credentials or protect access to restricted areas of the Website

If we are involved in a legal matter related to your actions or misuse of the Website, you agree to cooperate fully in our defense at no cost to us. You also agree not to settle any third-party matter or waive any rights related to such claims without our prior written approval.

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14. Rights Reserved

Unless expressly stated in these Terms, all rights related to this Website and its content remain the exclusive property of Catered Financials. No rights or permissions are granted to you by implication or otherwise.

If you are unsure whether your intended use is permitted, please reach out to us at cateredfinancials@gmail.com before proceeding.

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15. Entire Agreement and Waiver

These Terms, along with our Privacy Policy and Disclaimer, represent the complete and exclusive agreement between you and Catered Financials regarding your use of this Website. They replace any previous communications, proposals, or agreements—whether written or oral—between us related to the Website.

Any decision by us not to enforce a right or provision within these Terms does not constitute a waiver of that right or any other provision. A waiver will only be valid if expressly made in writing and signed by an authorized representative of Catered Financials.

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16. Contact Information

If you have any questions about these Terms, please contact us at:
📧 cateredfinancials@gmail.com
🌐www.cateredfinancials.com

Or by mail at: 174 Port Douglas Road Keeseville, NY 12944

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