Terms Of Service

Journey To Financial Freedom Terms of Use

Effective as of 01.16.2024

Welcome to the Journey To Financial Freedom’s Terms of Use agreement. For

purposes of this agreement, “Site” refers to the Company’s website, which can be

accessed at https://journeytofinancialfreedom.co/. “Service” refers to the Company’s

services accessed via the Site, in which users can receive financial coaching and

services. The terms “we,” “us,” and “our” refer to the Company. “You” refers to you, as a

user of our Site or our Service.

The following Terms of Use apply when you view or use the Service provided through

our website or advertising.

Please review the following terms carefully. By accessing or using the Service, you

signify your agreement to these Terms of Use. If you do not agree to be bound by

these Terms of Use in their entirety, you may not access or use the Service.

The Company respects the privacy of its Service users. Please refer to the Company’s

pertains to your privacy. When you access or use the Service, you signify your

agreement to the Privacy Policy as well as these Terms of Use.

ABOUT THE SERVICE

The Service allows you to receive financial coaching and services.

REGISTRATION; RULES FOR USER CONDUCT AND USE OF THE SERVICE

You need to be at least 15 years old and a resident of the United States to register for

and use the Service.

If you are a user who signs up for the Service, you will create a personalized account

which includes a unique username and a password to access the Service and to

receive messages from the Company. You agree to notify us immediately of any

unauthorized use of your password and/or account. The Company will not be

responsible for any liabilities, losses, or damages arising out of the unauthorized use of

your member name, password and/or account.

USE RESTRICTIONS

Your permission to use the Site is conditioned upon the following use, posting and

conduct restrictions:

You agree that you will not under any circumstances:

· access the Service for any reason other than your personal, non-commercial use

solely as permitted by the normal functionality of the Service,

· collect or harvest any personal data of any user of the Site or the Service

· use the Site or the Service for the solicitation of business in the course of trade or in

connection with a commercial enterprise;

· distribute any part or parts of the Site or the Service without our explicit written

permission (we grant the operators of public search engines permission to use spiders

to copy materials from the site for the sole purpose of creating publicly-available

searchable indices but retain the right to revoke this permission at any time on a general

or specific basis);

· use the Service for any unlawful purpose or for the promotion of illegal activities;

· attempt to, or harass, abuse or harm another person or group;

· use another user’s account without permission;

· intentionally allow another user to access your account;

· provide false or inaccurate information when registering an account;

· interfere or attempt to interfere with the proper functioning of the Service;

· make any automated use of the Site, the Service or the related systems, or take any

action that we deem to impose or to potentially impose an unreasonable or

disproportionately large load on our servers or network infrastructure;

· bypass any robot exclusion headers or other measures we take to restrict access to

the Service, or use any software, technology, or device to scrape, spider, or crawl the

Service or harvest or manipulate data;

· circumvent, disable or otherwise interfere with any security-related features of the

Service or features that prevent or restrict use or copying of content, or enforce

limitations on use of the Service or the content accessible via the Service; or

· publish or link to malicious content of any sort, including that intended to damage or

disrupt another user’s browser or computer.

POSTING AND CONDUCT RESTRICTIONS

When you create your own personalized account, you may be able to receive financial

coaching and services (“User Content”) to the Service. You are solely responsible for

the User Content that you post, upload, link to or otherwise make available via the

Service.

You agree that we are only acting as a passive conduit for your online distribution and

publication of your User Content. The Company, however, reserves the right to remove

any User Content from the Service at its sole discretion.

We grant you permission to use and access the Service, subject to the following

express conditions surrounding User Content. You agree that failure to adhere to any of

these conditions constitutes a material breach of these Terms.

By transmitting and submitting any User Content while using the Service, you agree as

follows:

· You are solely responsible for your account and the activity that occurs while signed

in to or while using your account;

· You will not post information that is malicious, libelous, false or inaccurate;

· You will not post any information that is abusive, threatening, obscene, defamatory,

libelous, or racially, sexually, religiously, or otherwise objectionable and offensive;

· You retain all ownership rights in your User Content but you are required to grant the

following rights to the Site and to users of the Service as set forth more fully under the

“License Grant” and “Intellectual Property” provisions below: When you upload or post

User Content to the Site or the Service, you grant to the Site a worldwide,

non-exclusive, royalty-free, transferable license to use, reproduce, distribute, prepare

derivative works of, display, and perform that Content in connection with the provision of

the Service; and you grant to each user of the Service, a worldwide, non-exclusive,

royalty-free license to access your User Content through the Service, and to use,

reproduce, distribute, prepare derivative works of, display and perform such Content to

the extent permitted by the Service and under these Terms of Use;

· You will not submit content that is copyrighted or subject to third party proprietary

rights, including privacy, publicity, trade secret, or others, unless you are the owner of

such rights or have the appropriate permission from their rightful owner to specifically

submit such content; and

· You hereby agree that we have the right to determine whether your User Content

submissions are appropriate and comply with these Terms of Service, remove any

and/or all of your submissions, and terminate your account with or without prior notice.

You understand and agree that any liability, loss or damage that occurs as a result of

the use of any User Content that you make available or access through your use of the

Service is solely your responsibility. The Site is not responsible for any public display or

misuse of your User Content.

The Site does not, and cannot, pre-screen or monitor all User Content. However, at our

discretion, we, or technology we employ, may monitor and/or record your interactions

with the Service or with other Users.

ONLINE CONTENT DISCLAIMER

Opinions, advice, statements, offers, or other information or content made available

through the Service, but not directly by the Site, are those of their respective authors,

and should not necessarily be relied upon. Such authors are solely responsible for such

content.

We do not guarantee the accuracy, completeness, or usefulness of any information on

the Site or the Service nor do we adopt nor endorse, nor are we responsible for, the

accuracy or reliability of any opinion, advice, or statement made by other parties. We

take no responsibility and assume no liability for any User Content that you or any other

user or third party posts or sends via the Service. Under no circumstances will we be

responsible for any loss or damage resulting from anyone’s reliance on information or

other content posted on the Service, or transmitted to users.

Though we strive to enforce these Terms of Use, you may be exposed to User Content

that is inaccurate or objectionable when you use or access the Site or the Service. We

reserve the right, but have no obligation, to monitor the materials posted in the public

areas of the Site or the Service or to limit or deny a user’s access to the Service or take

other appropriate action if a user violates these Terms of Use or engages in any activity

that violates the rights of any person or entity or which we deem unlawful, offensive,

abusive, harmful or malicious. E-mails sent between you and other participants that are

not readily accessible to the general public will be treated by us as private to the extent

required by applicable law. The Company shall have the right to remove any material

that in its sole opinion violates, or is alleged to violate, the law or this agreement or

which might be offensive, or that might violate the rights, harm, or threaten the safety of

users or others. Unauthorized use may result in criminal and/or civil prosecution under

Federal, State and local law. If you become aware of a misuse of our Service or

violation of these Terms of Use, please contact us [email protected].

LINKS TO OTHER SITES AND/OR MATERIALS

As part of the Service, we may provide you with convenient links to third party

website(s) (“Third Party Sites”) as well as content or items belonging to or originating

from third parties (the “Third Party Applications, Software or Content”). These links are

provided as a courtesy to Service subscribers. We have no control over Third Party

Sites or Third Party Applications, Software or Content or the promotions, materials,

information, goods or services available on these Third Party Sites or Third Party

Applications, Software or Content. Such Third Party Sites and Third Party Applications,

Software or Content are not investigated, monitored or checked for accuracy,

appropriateness, or completeness, and we are not responsible for any Third Party Sites

accessed through the Site or any Third Party Applications, Software or Content posted

on, available through or installed from the Site, including the content, accuracy,

offensiveness, opinions, reliability, privacy practices or other policies of or contained in

the Third Party Sites or the Third Party Applications, Software or Content. Inclusion of,

linking to or permitting the use or installation of any Third Party Site or any Third Party

Applications, Software or Content does not imply our approval or endorsement. If you

decide to leave the Site and access the Third Party Sites or to use or install any Third

Party Applications, Software or Content, you do so at your own risk and you should be

aware that our terms and policies, including these Terms of Use, no longer govern. You

should review the applicable terms and policies, including privacy and data gathering

practices, of any Third Party Site to which you navigate from the Site or relating to any

applications you use or install from the Third Party Site.

(a) Termination of Repeat Infringer Accounts. We respect the intellectual property rights

of others and requires that the users do the same. Pursuant to 17 U.S.C. 512(i) of the

United States Copyright Act, we have adopted and implemented a policy that provides

for the termination in appropriate circumstances of users of the Service who are repeat

infringers. We may terminate access for participants or users who are found repeatedly

to provide or post protected third party content without necessary rights and

permissions.

(b) DMCA Take-Down Notices. If you are a copyright owner or an agent thereof and

believe, in good faith, that any materials provided on the Service infringe upon your

copyrights, you may submit a notification pursuant to the Digital Millennium Copyright

Act (see 17 U.S.C 512) (“DMCA”) by sending the following information in writing to the

our designated copyright agent at 7 Second Tee Court Baltimore MD 21209:

1. The date of your notification;

2. A physical or electronic signature of a person authorized to act on behalf of

the owner of an exclusive right that is allegedly infringed;

3. A description of the copyrighted work claimed to have been infringed, or, if

multiple copyrighted works at a single online site are covered by a single

notification, a representative list of such works at that site;

4. A description of the material that is claimed to be infringing or to be the

subject of infringing activity and information sufficient to enable us to locate

such work;

5. Information reasonably sufficient to permit the service provider to contact you,

such as an address, telephone number, and/or email address;

6. A statement that you have a good faith belief that use of the material in the

manner complained of is not authorized by the copyright owner, its agent, or

the law; and

7. A statement that the information in the notification is accurate, and under

penalty of perjury, that you are authorized to act on behalf of the owner of an

exclusive right that is allegedly infringed.

the Site is not infringing, or that you have the authorization from the copyright owner, the

Content, you may send a counter-notice containing the following information to our

1. Your physical or electronic signature;

2. A description of the content that has been removed and the location at which

the content appeared before it was removed;

3. A statement that you have a good faith belief that the content was removed

as a result of mistake or a misidentification of the content; and

4. Your name, address, telephone number, and email address, a statement that

you consent to the jurisdiction of the federal court in Maryland and a statement

that you will accept service of process from the person who provided

notification of the alleged infringement.

If a counter-notice is received by our copyright agent, we may send a copy of the

counter-notice to the original complaining party informing such person that it may

reinstate the removed content in ten (10) business days. Unless the copyright owner

files an action seeking a court order against the content provider, member or user, the

removed content may (in our sole discretion) be reinstated on the Site in ten (10) to

fourteen (14) business days or more after receipt of the counter-notice.

LICENSE GRANT

By posting any User Content via the Service, you expressly grant, and you represent

and warrant that you have a right to grant, to the Company a royalty-free, sublicensable,

transferable, perpetual, irrevocable, non-exclusive, worldwide license to use, reproduce,

modify, publish, list information regarding, edit, translate, distribute, publicly perform,

publicly display, and make derivative works of all such User Content and your name,

voice, and/or likeness as contained in your User Content, if applicable, in whole or in

part, and in any form, media or technology, whether now known or hereafter developed,

for use in connection with the Service.

INTELLECTUAL PROPERTY

You acknowledge and agree that we and our licensors retain ownership of all intellectual

property rights of any kind related to the Service, including applicable copyrights,

trademarks and other proprietary rights. Other product and company names that are

mentioned on the Service may be trademarks of their respective owners. We reserve all

rights that are not expressly granted to you under these Terms of Use.

EMAIL MAY NOT BE USED TO PROVIDE NOTICE

Communications made through the Service’s email and messaging system will not

constitute legal notice to the Site, the Service, or any of its officers, employees, agents

or representatives in any situation where legal notice is required by contract or any law

or regulation.

USER CONSENT TO RECEIVE COMMUNICATIONS IN ELECTRONIC FORM

For contractual purposes, you: (a) consent to receive communications from us in an

electronic form via the email address you have submitted; and (b) agree that all Terms

of Use, agreements, notices, disclosures, and other communications that we provide to

you electronically satisfy any legal requirement that such communications would satisfy

if it were in writing. The foregoing does not affect your non-waivable rights.

We may also use your email address to send you other messages, including information

about the Site or the Service and special offers. You may opt out of such email by

changing your account settings, using the “Unsubscribe” link in the message, or by

sending an email to [email protected] or mail to the following postal address:

Customer Support

7 Second Tee Court Baltimore MD 21209

Opting out may prevent you from receiving messages regarding the Site, the Service or

special offers.

WARRANTY DISCLAIMER

THE SERVICE, IS PROVIDED “AS IS,” WITHOUT WARRANTY OF ANY KIND.

WITHOUT LIMITING THE FOREGOING, WE EXPRESSLY DISCLAIM ALL

WARRANTIES, WHETHER EXPRESS, IMPLIED OR STATUTORY, REGARDING THE

SERVICE INCLUDING WITHOUT LIMITATION ANY WARRANTY OF

MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, SECURITY,

ACCURACY AND NON-INFRINGEMENT. WITHOUT LIMITING THE FOREGOING, WE

MAKE NO WARRANTY OR REPRESENTATION THAT ACCESS TO OR OPERATION

OF THE SERVICE WILL BE UNINTERRUPTED OR ERROR FREE. YOU ASSUME

FULL RESPONSIBILITY AND RISK OF LOSS RESULTING FROM YOUR

DOWNLOADING AND/OR USE OF FILES, INFORMATION, CONTENT OR OTHER

MATERIAL OBTAINED FROM THE SERVICE. SOME JURISDICTIONS LIMIT OR DO

NOT PERMIT DISCLAIMERS OF WARRANTY, SO THIS PROVISION MAY NOT

APPLY TO YOU.

LIMITATION OF DAMAGES; RELEASE

TO THE EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE

SITE, THE SERVICE, ITS AFFILIATES, DIRECTORS, OR EMPLOYEES, OR ITS

LICENSORS OR PARTNERS, BE LIABLE TO YOU FOR ANY LOSS OF PROFITS,

USE, OR DATA, OR FOR ANY INCIDENTAL, INDIRECT, SPECIAL,

CONSEQUENTIAL OR EXEMPLARY DAMAGES, HOWEVER ARISING, THAT

RESULT FROM: (A) THE USE, DISCLOSURE, OR DISPLAY OF YOUR USER

CONTENT; (B) YOUR USE OR INABILITY TO USE THE SERVICE; (C) THE SERVICE

GENERALLY OR THE SOFTWARE OR SYSTEMS THAT MAKE THE SERVICE

AVAILABLE; OR (D) ANY OTHER INTERACTIONS WITH USE OR WITH ANY OTHER

USER OF THE SERVICE, WHETHER BASED ON WARRANTY, CONTRACT, TORT

(INCLUDING NEGLIGENCE) OR ANY OTHER LEGAL THEORY, AND WHETHER OR

NOT WE HAVE BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE, AND

EVEN IF A REMEDY SET FORTH HEREIN IS FOUND TO HAVE FAILED OF ITS

ESSENTIAL PURPOSE. SOME JURISDICTIONS LIMIT OR DO NOT PERMIT

DISCLAIMERS OF LIABILITY, SO THIS PROVISION MAY NOT APPLY TO YOU.

If you have a dispute with one or more users, a restaurant or a merchant of a product or

service that you review using the Service, you release us (and our officers, directors,

agents, subsidiaries, joint ventures and employees) from claims, demands and

damages (actual and consequential) of every kind and nature, known and unknown,

arising out of or in any way connected with such disputes.

If you are a California resident using the Service, you may specifically waive California

Civil Code §1542, which says: “A general release does not extend to claims which the

creditor does not know or suspect to exist in his favor at the time of executing the

release, which if known by him must have materially affected his settlement with the

debtor.”

MODIFICATION OF TERMS OF USE

We can amend these Terms of Use at any time and will update these Terms of Use in

the event of any such amendments. It is your sole responsibility to check the Site from

time to time to view any such changes in this agreement. Your continued use of the Site

or the Service signifies your agreement to our revisions to these Terms of Use. We will

endeavor to notify you of material changes to the Terms by posting a notice on our

homepage and/or sending an email to the email address you provided to us upon

registration. For this additional reason, you should keep your contact and profile

information current. Any changes to these Terms (other than as set forth in this

paragraph) or waiver of our rights hereunder shall not be valid or effective except in a

written agreement bearing the physical signature of one of our officers. No purported

waiver or modification of this agreement on our part via telephonic or email

communications shall be valid.

GENERAL TERMS

If any part of this Terms of Use agreement is held or found to be invalid or

unenforceable, that portion of the agreement will be construed as to be consistent with

applicable law while the remaining portions of the agreement will remain in full force and

effect. Any failure on our part to enforce any provision of this agreement will not be

considered a waiver of our right to enforce such provision. Our rights under this

agreement survive any transfer or termination of this agreement.

You agree that any cause of action related to or arising out of your relationship with the

Company must commence within ONE year after the cause of action accrues.

Otherwise, such cause of action is permanently barred.

These Terms of Use and your use of the Site are governed by the federal laws of the

United States of America and the laws of the State of Maryland, without regard to

conflict of law provisions.

We may assign or delegate these Terms of Service and/or our Privacy Policy, in whole

or in part, to any person or entity at any time with or without your consent. You may not

assign or delegate any rights or obligations under the Terms of Service or Privacy Policy

without our prior written consent, and any unauthorized assignment or delegation by

you is void.

YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF USE,

UNDERSTAND THE TERMS OF USE, AND WILL BE BOUND BY THESE TERMS

AND CONDITIONS. YOU FURTHER ACKNOWLEDGE THAT THESE TERMS OF USE

TOGETHER WITH THE PRIVACY POLICY REPRESENT THE COMPLETE AND

EXCLUSIVE STATEMENT OF THE AGREEMENT BETWEEN US AND THAT IT

SUPERSEDES ANY PROPOSAL OR PRIOR AGREEMENT ORAL OR WRITTEN,

AND ANY OTHER COMMUNICATIONS BETWEEN US RELATING TO THE SUBJECT

MATTER OF THIS AGREEMENT.