TERMS & CONDITIONS

Last Updated: September 19, 2026

Welcome to Own & Grow (“Company,” “we,” “us,” or “our”). By accessing or using our website, purchasing our coaching programs, or utilizing our educational materials, you agree to be bound by the following Terms and Conditions.

1. Educational and Informational Purposes Only (No Professional Advice)

• Not Financial, Legal, or Investment Advice: All content, coaching sessions, courses, guides, and materials provided by [Insert Business Name] are intended solely for educational, informational, and self-improvement purposes. We are financial coaches, not licensed financial planners, investment advisors, broker-dealers, tax professionals, or legal counsel.
• No Fiduciary Duty: Engaging in our coaching services does not create a broker-client, advisor-client, or legal fiduciary relationship.
• Personal Responsibility: You are solely responsible for your own financial decisions, investments, tax obligations, and property purchases. Always consult with a licensed professional (e.g., CPA, financial advisor, real estate attorney) before making significant financial or investment decisions.

2. Assumption of Risk & No Guarantees

• Investment Risks: Buying real estate, investing in securities, and trading in the stock market carry inherent financial risks. Past performance and historical data presented in our coaching are not indicative of future results.
• No Earnings or Outcome Guarantees: We do not guarantee any specific financial results, income thresholds, or investment returns. Your individual success depends on your own effort, financial situation, market conditions, and personal execution.

3. Services and Payments

• Fees: All fees for coaching sessions, digital products, or courses are clearly listed on our website or invoice.
• Refund Policy: All payments are final and non-refundable once coaching services have commenced.
• Cancellations & Rescheduling: Coaching sessions must be rescheduled at least 24 hours in advance.

4. Intellectual Property

All content, branding, coaching materials, worksheets, and website design are the exclusive property of Own & Grow. You are granted a limited, personal, non-transferable license to use these materials for individual, non-commercial use only. Redistribution, resale, or unauthorized sharing of these materials is strictly prohibited.

5. Limitation of Liability

To the fullest extent permitted by law, Own & Grow and its officers, employees, or partners shall not be held liable for any direct, indirect, incidental, consequential, or financial losses resulting from your use of our website, services, or implementation of financial strategies discussed in our coaching.