Terms and Conditions

Effective Date: April 25, 2025

Welcome to Carlson Financial Coaching ("Website," "Company," "we," "us," or "our"). By accessing or using our Website, you agree to comply with and be bound by the following Terms and Conditions ("Terms").

Please review them carefully. If you do not agree to these Terms, you should not use our Website.

1. Use of Website

You must be at least 18 years old to use this Website.

You agree to use the Website for lawful purposes only and in a way that does not infringe the rights of, restrict, or inhibit anyone else's use and enjoyment of the Website.

2. Intellectual Property

All content on this Website — including text, graphics, logos, images, audio, video, downloads, and software — is the property of Carlson Financial Coaching or its content suppliers and is protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise exploit any of the content without our express written permission.

3. User Content

If you submit or post any content to the Website (such as comments, testimonials, or reviews), you grant us a worldwide, royalty-free, perpetual, non-exclusive license to use, reproduce, modify, adapt, publish, and display such content for any purpose.

You agree not to post or transmit any material that is unlawful, threatening, defamatory, obscene, or otherwise objectionable.

4. Educational and Informations Purposes Only

All information provided through the Website, including but not limited to business coaching advice, templates, programs, and resources, is for educational and informational purposes only. Nothing on this Website constitutes professional, legal, financial, or health advice. Always seek the advice of qualified professionals.

5. Payments and Refund Policy

If you purchase any products, services, or subscriptions through the Website, you agree to pay the stated price and abide by our payment terms.

Due to the digital nature of our products and services, all sales are final, and we do not offer refunds unless otherwise stated in writing.

6. Disclaimer of Warranties

The Website and all content are provided "as is" without warranty of any kind, either express or implied.

We do not warrant that the Website will be available uninterrupted or error-free, nor do we make any warranty as to the results that may be obtained from using our services.

7. Limitation of Liability

To the fullest extent permitted by law, we disclaim any liability for any direct, indirect, incidental, consequential, or punitive damages arising from your use of (or inability to use) the Website, products, or services.

8. Links to Third-Party Websites

The Website may contain links to third-party websites. We have no control over the content or policies of these sites and are not responsible for them. Access third-party websites at your own risk.

9. Changes to Terms

We reserve the right to change or update these Terms at any time without notice. It is your responsibility to review this page periodically. Your continued use of the Website after changes are made constitutes acceptance of the new Terms.

10. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Iowa, United States, without regard to its conflict of law principles.

11. Contact Information

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

Email: [email protected]

Business Address: 435 English Lane, Dubuque, Iowa 52003

Cookie policy

A cookie is a small piece of data sent from a website and stored on your device by your browser. This Website collects cookies and may use cookies for reasons including, but not limited to:

● Analyzing our Website traffic;

● Analyzing your interactions with advertisements;

● Identifying if you are signed in to the Website;

● Testing content on the Website;

● Storing information about your preferences;

● Recognizing when you return to the Website.

Most web browsers automatically accept cookies. However, you can modify your browser settings todecline cookies, if you prefer. This setting may prevent you from taking full advantage of the Website.

Acceptance of this policy

You acknowledge that you have read this Policy and agree to all its terms and conditions. By using the Website or its Services you agree to be bound by this Policy. If you do not agree to abide by the terms of this Policy, you are not authorized to use or access the Website and its Services.