Terms of Service & Course Agreement

Please read these Terms carefully before purchasing, enrolling in, accessing, or using the Course.

  1. Agreement to Terms 

These Terms of Service and Course Agreement ("Terms" or "Agreement") govern your purchase of, enrollment in,  access to, and use of the online course "Financially Fearless: The Course" and related materials (collectively, the  "Course") offered by Katy Song Financial Planning, Inc. ("Company," "we," "us," or "our"). 

By purchasing, enrolling in, accessing, or using the Course, you ("Student," "you," or "your") agree to be bound by  these Terms and by our Privacy Policy, which is incorporated by reference and made available on the Course  checkout page and/or Course Platform. If you do not agree to these Terms, do not purchase, enroll in, access, or  use the Course. 

If you are accepting these Terms on behalf of an organization, you represent and warrant that you have authority to  bind that organization to these Terms. 

  1. Definitions 

"Course Platform" means the website, learning management system, and related technology used to deliver the  Course, including https://course.financiallyfearlessbook.com and any successor or related platform used by  Company. 

"Course Materials" means all videos, audio recordings, text, worksheets, spreadsheets, templates, downloads,  exercises, prompts, examples, community posts, live-session materials, replays, and other content included in or  made available through the Course. 

"Lifetime Access" means access for as long as the Course is commercially offered and supported by Company,  subject to these Terms, including Section 10 (Course Access and Technical Requirements), Section 17  (Modifications to Terms or Course), and Section 18 (Termination and Suspension). 

  1. Educational Purpose - Not Financial, Investment, Tax, or Legal Advice 3.1 General Educational Use. The Course is provided solely for general educational and informational purposes. It  is not personalized financial planning, investment advisory services, tax advice, legal advice, accounting services,  or any other professional service requiring a license, registration, or individualized professional judgment. 

3.2 No Fiduciary or Professional Relationship. Enrollment in or access to the Course does not create a client,  advisory, fiduciary, attorney-client, accountant-client, or other professional relationship between you and  Company, Katy Song, CFP®, or any Company representative. Company does not review your personal financial situation through the Course, recommend specific securities or products to you, or tell you what you should do with  your money. 

3.3 Your Responsibility. You are solely responsible for evaluating any information in the Course and for your own  financial, tax, legal, and investment decisions. You should consult qualified professionals, such as a CPA, attorney,  registered investment adviser, or other appropriate professional, before acting on information related to your  specific circumstances. 

3.4 No Guarantees. Company makes no representation, warranty, or guarantee that you will achieve any particular  financial outcome, savings amount, investment return, tax result, lifestyle result, debt reduction, income level, or  other goal. Past examples, case studies, testimonials, hypotheticals, illustrations, or teaching examples are for  educational purposes only and are not indicative of future results. 

3.5 Separate Advisory Services. The Course is not offered under any investment advisory agreement and is not  provided as an investment advisory service. Any financial planning, investment advisory, or other professional  services offered by Company or any affiliate are separate from the Course and, if available, are governed by  separate written agreements and disclosures. 

3.6 CFP® Certification. Katy Song is a CERTIFIED FINANCIAL PLANNER™ professional. CFP® certification does not,  by itself, mean that Course content constitutes personalized advice to you. The CFP Board owns the marks CFP®,  CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States. 

  1. Eligibility 

You must be at least eighteen (18) years old, or the age of majority in your jurisdiction, whichever is greater, to  purchase, enroll in, access, or use the Course. By enrolling, you represent and warrant that you meet this  requirement and that all registration information you provide is accurate, complete, and current. 

The Course is intended for users located in the United States. You are responsible for determining whether  accessing or using the Course is lawful where you reside. 

  1. Account Registration and Security 

5.1 Account. Access to the Course may require creating an account with a valid email address and password. 

5.2 Security. You are responsible for maintaining the confidentiality of your login credentials and for all activity  under your account. Notify us immediately at hello@katysongmoney.com if you believe your account has been  accessed or used without authorization. 

5.3 One User Per License. Unless Company expressly authorizes otherwise in writing, each enrollment is for one  individual only. Sharing login credentials or allowing another person to access the Course through your account is  prohibited. 

  1. License Grant and Permitted Use 

6.1 Limited License. Subject to these Terms and your payment of applicable fees, Company grants you a personal,  non-exclusive, non-transferable, revocable license to access and use the Course Materials for your own personal,  non-commercial educational use. 

6.2 Restrictions. You may not, without Company's prior written consent: 

  • Copy, reproduce, distribute, sell, resell, sublicense, lease, lend, publish, publicly display, or publicly perform  any Course Materials; 
  • Share, upload, post, transmit, or make Course Materials available on third-party platforms or to anyone who  has not purchased access; 
  • Record, screenshot, scrape, data-mine, or download Course videos or platform content except where  Company expressly provides a download option;

 

  • Use Course Materials to create, train, market, or support a competing product, service, course, workshop,  coaching program, or consulting offering; 
  • Remove or alter copyright, trademark, confidentiality, attribution, or proprietary notices; • Use the Course for commercial, institutional, group-training, or employee-training purposes unless Company  expressly authorizes such use in writing; or 
  • Attempt to bypass Course Platform security, licensing, payment, access-control, or usage limitations. 6.3 Worksheets and Spreadsheets. Downloadable tools, worksheets, and spreadsheets are licensed for your  personal use only. You may complete them using your own information, but you may not redistribute blank or  completed templates except for your own household planning purposes. 
  1. Intellectual Property 

All Course Materials, branding, logos, trade names, trademarks, service marks, designs, graphics, text, videos,  audio, worksheets, spreadsheets, downloads, and related content are owned by Company or its licensors and are  protected by copyright, trademark, and other intellectual property laws. 

No ownership rights are transferred to you. All rights not expressly granted in these Terms are reserved by Company  and its licensors. 

"Financially Fearless" and related names, marks, and branding are proprietary to Company or its licensors.  Unauthorized use is prohibited. 

  1. Fees, Payment, and Billing 

8.1 Price. Current pricing, payment options, payment-plan terms, and promotional offers are displayed at  checkout. Prices are stated in U.S. Dollars unless otherwise indicated. 

8.2 Payment. Payment is due at enrollment unless a payment plan is offered and selected at checkout. You  authorize Company and its payment processor to charge your selected payment method for all amounts due. 

8.3 Payment Plans. If you choose a payment plan, you agree to pay all installments according to the payment  schedule disclosed at checkout. Access may be suspended for failed, late, disputed, or missed payments until your  account is brought current. The total payment-plan cost may exceed full-pay pricing if disclosed at checkout. 

8.4 Taxes. You are responsible for applicable sales, use, VAT, GST, or similar taxes unless Company is required by  law to collect and remit them. 

8.5 Payment Plan Cancellation. Cancelling your account, stopping Course use, or failing to access the Course  does not cancel your obligation to pay remaining installments unless Company expressly grants a refund or  cancellation under Section 9. 

8.6 Promotional Codes. Discount codes, partner codes, launch offers, book-owner codes, or other promotions are  subject to their stated terms, eligibility rules, expiration dates, and one-time-use limits. Company may modify,  suspend, or revoke promotions at any time to the extent permitted by law. 

  1. Refund and Cancellation Policy 

9.1 Refund Window. If you are not satisfied with the Course, you may request a refund within seven (7) days after  purchase, provided that you have completed Module 1 and the Core Values worksheet before requesting the  refund. 

9.2 How to Request a Refund. To request a refund, email hello@katysongmoney.com with your order confirmation  and a brief explanation of your request. Approved refunds are processed to the original payment method within ten  (10) to fourteen (14) business days, although your bank or card issuer may take additional time to post the credit. 

9.3 Refund Exclusions. Refunds are not available:

 

  • After the seven (7) day refund period expires; 
  • If you have not completed Module 1 and the Core Values worksheet before requesting the refund; • If you have downloaded, copied, scraped, recorded, or accessed substantial Course Materials in bad faith; • For payment-plan accounts with overdue balances until the account is brought current; • For purchases made through third-party platforms to the extent the third party controls refund processing; or • Where refunds are prohibited or limited by applicable law. 

9.4 Chargebacks. Please contact Company before initiating a chargeback so we can attempt to resolve your  concern. Improper or fraudulent chargebacks may result in account suspension or termination, revocation of  access, and collection efforts to the extent permitted by law. 

  1. Course Access and Technical Requirements 

10.1 Access. After successful payment and account setup, you will receive access as described at purchase,  which may include Lifetime Access to the then-current Course content if expressly offered at checkout. 

10.2 Updates. Company may update, revise, add, remove, reorganize, or replace Course content, tools, modules,  worksheets, examples, bonuses, and platform features to improve quality, correct errors, reflect market or  regulatory developments, or support Course operations. Updates do not entitle you to a refund. 

10.3 Platform Requirements. You are responsible for having a compatible device, reliable internet connection,  supported browser, and any software reasonably necessary to access and use the Course. Company is not  responsible for your hardware, software, browser, security settings, or connectivity issues. 

10.4 Downtime. Reasonable maintenance, security updates, technical issues, and third-party outages may  temporarily affect access. Company will use commercially reasonable efforts to restore access when disruptions  are within Company's control. 

  1. User Conduct and Community Standards 

You agree not to: 

  • Harass, abuse, threaten, defame, demean, intimidate, or harm any student, Company representative,  contractor, or community member; 
  • Post or transmit unlawful, defamatory, infringing, misleading, discriminatory, obscene, or otherwise  objectionable content; 
  • Impersonate any person or misrepresent your identity, qualifications, affiliation, or financial situation; • Attempt to hack, disrupt, reverse engineer, overload, scrape, crawl, or interfere with the Course Platform or  related systems; 
  • Use the Course to solicit other students, promote unrelated products or services, or collect personal  information without consent; 
  • Share confidential or highly sensitive financial, medical, legal, or personal information in Course communities  or live sessions; or 
  • Use the Course in violation of any applicable law, regulation, third-party right, or these Terms. Company may remove content, limit participation, suspend access, or terminate accounts for conduct that  Company determines, in its reasonable discretion, violates these Terms or undermines the safety, integrity, or  educational purpose of the Course. 
  1. Privacy and Communications 

Your use of the Course is subject to our Privacy Policy, which describes how we collect, use, disclose, and protect  personal information.

 

By enrolling, you consent to receive transactional emails and notices, including receipts, login instructions, account  notices, course-access information, policy updates, and administrative communications. Marketing emails will  comply with applicable law and will include an unsubscribe option where required. 

  1. Third-Party Services and Links 

The Course may reference, integrate with, or link to third-party websites, tools, calculators, payment processors,  financial institutions, brokers, custodians, software providers, or products. Company does not control and is not  responsible for third-party services, content, policies, fees, availability, security, performance, or accuracy. 

Your use of any third-party service is at your own risk and is subject to that third party's terms, policies, and  practices. Payment processing, course hosting, analytics, email delivery, and other operational services may be  handled by third-party providers. 

  1. Disclaimers 

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COURSE, COURSE PLATFORM, AND ALL COURSE MATERIALS  ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED,  OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR  PURPOSE, TITLE, ACCURACY, QUIET ENJOYMENT, COURSE OF DEALING, COURSE OF PERFORMANCE, OR NON INFRINGEMENT. 

Company does not warrant that the Course will meet your expectations or goals, that information will be complete,  current, secure, uninterrupted, or error-free, that defects will be corrected, or that the Course Platform will be  available at all times. 

Financial laws, tax rules, investment products, market conditions, software tools, account features, and third-party  offerings change. You are responsible for verifying information with current authoritative sources and qualified  professionals before making decisions. 

  1. Limitation of Liability 

TO THE MAXIMUM EXTENT PERMITTED BY LAW: 

15.1 Company, its owners, officers, employees, contractors, representatives, licensors, service providers, and  affiliates shall not be liable for any indirect, incidental, special, consequential, exemplary, enhanced, or punitive  damages, including lost profits, lost savings, lost income, investment losses, tax penalties, lost opportunities, loss  of goodwill, business interruption, or loss of data, arising from or related to the Course, Course Platform, Course  Materials, or these Terms, even if advised of the possibility of such damages. 

15.2 Company's total cumulative liability for any claim arising out of or relating to the Course, Course Platform,  Course Materials, or these Terms shall not exceed the greater of (a) the amount you paid for the Course in the  twelve (12) months preceding the event giving rise to the claim, or (b) one hundred U.S. dollars ($100). 

15.3 Some jurisdictions do not allow certain disclaimers or limitations of liability. In those jurisdictions, the  disclaimers and limitations in these Terms apply to the fullest extent permitted by law. 

  1. Indemnification 

You agree to indemnify, defend, and hold harmless Company and its owners, officers, employees, contractors,  representatives, licensors, service providers, and affiliates from and against any claims, demands, actions,  damages, losses, liabilities, costs, and expenses, including reasonable attorneys' fees, arising out of or related to: 

  • Your use or misuse of the Course, Course Platform, or Course Materials; 
  • Your violation of these Terms;

 

  • Your financial, tax, legal, investment, business, or personal decisions or actions taken based on or allegedly  based on Course content; 
  • Your violation of any law, regulation, or third-party right; or 
  • Content, information, or materials you submit, post, share, upload, or transmit in connection with the Course. 
  1. Modifications to Terms or Course 

Company may update these Terms from time to time. Material changes will be posted on the Course Platform or  otherwise made available with an updated "Last Updated" date. Continued use of the Course after updated Terms  become effective constitutes acceptance of the updated Terms. If you do not agree to updated Terms, you must  stop using the Course. Refunds, if any, remain governed by the refund policy in effect at the time of purchase or the  updated policy if more favorable to you. 

Company may modify, discontinue, replace, suspend, or retire the Course, Course Platform, or any Course  Materials with reasonable notice where practicable. Nothing in these Terms requires Company to continue offering  or supporting any specific version of the Course indefinitely. 

  1. Termination and Suspension 

18.1 By You. You may stop using the Course at any time. Stopping use does not automatically entitle you to a refund  and does not cancel any unpaid payment-plan obligations. 

18.2 By Company. Company may suspend or terminate your access immediately if you breach these Terms, fail to  pay amounts when due, initiate an improper chargeback, engage in fraud or abuse, violate Course community  standards, infringe Company's intellectual property rights, or if suspension or termination is required by law or  necessary to protect Company, students, third-party providers, or the Course Platform. 

18.3 Effect of Termination. Upon termination, your license ends and you must stop accessing and using the  Course Materials. Sections that by their nature should survive termination will survive, including provisions  regarding intellectual property, disclaimers, limitation of liability, indemnification, dispute resolution, governing  law, and miscellaneous terms. 

  1. Dispute Resolution 

19.1 Informal Resolution. Before filing a claim, you agree to contact Company at hello@katysongmoney.com and  attempt to resolve the dispute informally for at least thirty (30) days. Your notice should include your name, order  email, a description of the dispute, and the relief you seek. 

19.2 Venue and Jurisdiction. Except for matters that may be brought in small claims court or requests for  injunctive or equitable relief involving intellectual property, confidentiality, unauthorized access, or misuse of  Course Materials, any dispute arising out of or relating to the Course or these Terms shall be resolved exclusively in  the state courts located in Marin County, California, or the federal courts serving Marin County, California, and each  party consents to personal jurisdiction and venue in those courts. 

19.3 Time to Bring Claims. To the extent permitted by law, any claim arising out of or relating to the Course or these  Terms must be filed within one (1) year after the claim accrues; otherwise, the claim is permanently barred. 

  1. Governing Law 

These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles, except  where preempted by federal law.

 

  1. Miscellaneous 

21.1 Entire Agreement. These Terms, the Privacy Policy, and any checkout disclosures constitute the entire  agreement between you and Company regarding the Course and supersede all prior or contemporaneous  understandings, communications, proposals, or agreements on that subject. 

21.2 Severability. If any provision of these Terms is held invalid, illegal, or unenforceable, the remaining provisions  will remain in full force and effect, and the invalid, illegal, or unenforceable provision will be modified to the  minimum extent necessary to make it valid and enforceable. 

21.3 No Waiver. Company's failure to enforce any provision of these Terms is not a waiver of its right to do so later. 

21.4 Assignment. You may not assign or transfer these Terms or your Course access without Company's prior  written consent. Company may assign or transfer these Terms in connection with a merger, acquisition,  reorganization, sale of assets, change of control, or by operation of law. 

21.5 Force Majeure. Company is not liable for any delay or failure to perform due to events beyond its reasonable  control, including natural disasters, acts of God, war, terrorism, civil unrest, labor disputes, power failures, internet  or telecommunications outages, government action, public health emergencies, platform failures, or third-party  service interruptions. 

21.6 Electronic Acceptance. Clicking "I Agree," completing checkout, creating an account, accessing the Course,  or otherwise indicating acceptance electronically constitutes your electronic signature and consent to receive and  enter into electronic records and agreements. 

  1. Contact Information 

Katy Song Financial Planning, Inc. 

Mill Valley, California 94941 

Email: hello@katysongmoney.com 

Phone: 415.272.3083 

Course Website: https://course.financiallyfearlessbook.com 

Katy Song Financial Planning, Inc. | Financially Fearless: The Course | Terms of Service