Terms and Conditions

Terms and Conditions

Terms & Conditions of Use

Welcome to Financial Literacy Advocates (“we,” “us,” “our”). By accessing or using our website, services, content, SMS communications, or any related tools (collectively, the “Services”), you agree to be bound by these Terms & Conditions (the “Terms”). If you do not agree to all of these Terms, please do not use our Services.

1. Acceptance of Terms

1.1. These Terms govern your access to and use of the Services, including any information, tools, content, and communications provided by us.

1.2. By using the Services, you represent and warrant that you are at least 18 years old (or of legal adult age in your jurisdiction) and have full authority to enter into these Terms.

1.3. We may modify, suspend, or discontinue any portion of the Services or these Terms at any time. Your continued use after any changes constitutes your acceptance of the updated Terms.

2. Use of the Services; User Responsibilities

2.1. You agree to use the Services only for lawful purposes and in a manner that does not infringe on the rights of others.

2.2. You agree not to:

  • Use the Services in any way that could damage or impair the website or interfere with others’ use
  • Attempt to gain unauthorized access to systems or data
  • Use automated tools, scraping, or bots to collect data
  • Impersonate any person or misrepresent your affiliation
  • Upload or transmit unlawful, harmful, or misleading content

3. SMS Communications and Consent

3.1. By providing your phone number through our website, forms, or advertisements, you consent to receive SMS (text) messages from Financial Literacy Advocates.

3.2. These messages may include:

  • Appointment reminders
  • Event and seminar notifications
  • Service updates
  • Promotional and marketing communications

3.3. Message frequency may vary based on your interaction with our Services.

3.4. Message and data rates may apply based on your mobile carrier.

3.5. You may opt out of SMS communications at any time by replying STOP to any message.

3.6. For assistance, reply HELP or contact us at info@financialliteracyadvocate.org.

3.7. Consent to receive SMS messages is not a condition of purchase or participation in any service.

3.8. We maintain records of user consent in accordance with applicable laws and carrier requirements.

4. Intellectual Property

4.1. All content on the Services, including text, graphics, logos, images, videos, and software, is owned by or licensed to Financial Literacy Advocates and is protected by intellectual property laws.

4.2. You may use content for personal, non-commercial use only.

4.3. You may not reproduce, distribute, modify, or create derivative works without prior written permission.

5. Third-Party Links and Resources

5.1. The Services may contain links to third-party websites. These are provided for convenience only.

5.2. We do not control or assume responsibility for third-party content, policies, or practices.

5.3. You access third-party websites at your own risk.

6. Disclaimers and Limitations of Liability

6.1. Educational Purposes Only
All content and services provided are for educational and informational purposes only. We do not provide legal, financial, tax, or investment advice. You should consult a licensed professional before making decisions.

6.2. No Guarantees
We do not guarantee results, outcomes, or accuracy of information provided through our Services.

6.3. Limitation of Liability
To the fullest extent permitted by law, Financial Literacy Advocates shall not be liable for any indirect, incidental, or consequential damages arising from your use of the Services.

6.4. Maximum Liability
Where liability cannot be excluded, it shall be limited to the maximum extent permitted by law.

7. Indemnification

You agree to indemnify and hold harmless Financial Literacy Advocates and its affiliates from any claims, damages, or expenses arising from:

  • Your use of the Services
  • Your violation of these Terms
  • Your violation of any third-party rights

8. Termination

8.1. We may suspend or terminate access to the Services at any time without notice.

8.2. Upon termination, your right to use the Services ceases immediately.

8.3. Provisions that should survive termination will remain in effect.

9. Governing Law and Dispute Resolution

9.1. These Terms shall be governed by the laws of the State of Texas.

9.2. Any disputes shall be resolved through binding arbitration in Texas, unless otherwise required by law.

9.3. Either party may bring claims in small claims court where applicable.

10. Notices

All notices must be sent in writing to:

Email: info@financialliteracyadvocate.org

11. Severability and Waiver

11.1. If any provision of these Terms is found to be invalid, the remaining provisions will remain in effect.

11.2. Failure to enforce any right does not constitute a waiver of that right.

12. Entire Agreement

These Terms, along with our Privacy Policy, constitute the entire agreement between you and Financial Literacy Advocates.

Important Disclosure

Financial Literacy Advocates is an educational platform. We do not provide legal, financial, or tax advice. Workshops and consultations are for informational purposes only.