Terms & Conditions
+ Liability Waiver

Habit Finances LLC

Last Updated: January 1, 2026

Welcome to Habit Finances LLC (“Habit Finances,” “we,” “us,” or “our”). By accessing, purchasing, or participating in any Habit Finances coaching services, programs, digital products, educational content, or resources—including but not limited to 1-on-1 financial coaching, video courses, budgeting tools, downloadable resources, email communications, and website content—you (“you,” “client,” or “user”) acknowledge and agree to the following Terms & Conditions and Liability Waiver.

Please read these Terms carefully. By purchasing, accessing, or participating in any Habit Finances offering, you agree to all terms outlined below.

1. GENERAL PROGRAM INFORMATION

Habit Finances LLC provides financial coaching services for educational and informational purposes only.

Financial coaching is designed to help clients improve money awareness, habits, organization, and decision-making. Habit Finances does not provide financial, legal, tax, or investment advice.

Nothing provided through Habit Finances should be interpreted as:

  • Financial advice

  • Investment advice

  • Tax advice

  • Legal advice

You are encouraged to consult licensed professionals (such as certified financial advisors, tax professionals, or attorneys) for advice specific to your individual situation.

2. VOLUNTARY PARTICIPATION

Your participation in any Habit Finances service or program is voluntary.

You acknowledge that you choose to participate based on your own judgment and that you may discontinue participation at any time, subject to applicable payment and refund terms.

3. ASSUMPTION OF RISK

By participating in financial coaching or using Habit Finances materials, you understand and agree that:

  • Financial decisions inherently involve risk

  • Personal finances are influenced by factors outside our control (income changes, emergencies, market conditions, etc.)

  • Outcomes will vary from person to person

You acknowledge that you are solely responsible for:

  • Your financial decisions

  • How you apply any information discussed

  • Any consequences that result from those decisions

You knowingly and voluntarily assume all risks associated with participating in Habit Finances services.

4. NO FINANCIAL OR PROFESSIONAL ADVICE

Habit Finances provides general education and coaching, not individualized professional advice.

Nothing provided by Habit Finances is intended to:

  • Diagnose financial problems

  • Prescribe specific financial actions

  • Guarantee outcomes

You agree not to interpret any coaching session, written communication, tool, template, or resource as professional advice.

5. RELEASE OF LIABILITY

To the fullest extent permitted by law, you agree to release, waive, and discharge Habit Finances LLC, its owner(s), contractors, representatives, and affiliates from any and all claims, losses, damages, or liabilities arising from:

  • Financial decisions you make

  • Actions taken based on coaching discussions

  • Use of budgeting tools or educational materials

  • Any outcomes related to debt, savings, spending, investing, or financial planning

This release applies whether such outcomes occur during or after your participation in Habit Finances services.

6. INDEMNIFICATION

You agree to indemnify and hold harmless Habit Finances LLC from any claims, damages, losses, or expenses (including reasonable attorney’s fees) arising from your actions, decisions, or use of our services.

7. NO GUARANTEES

You acknowledge that:

  • Financial progress varies by individual

  • Habit Finances cannot guarantee debt reduction, savings growth, or financial outcomes

  • Results depend on personal effort, consistency, and external circumstances

No guarantees—express or implied—are made regarding financial results.

8. PAYMENT, BILLING, AND REFUND POLICY

By purchasing any Habit Finances service or program, you agree that:

  • You authorize Habit Finances to charge your selected payment method

  • Payment plans, if offered, require timely installment payments

  • Missed payments may result in paused access or termination of services

Unless otherwise stated in writing:

  • All purchases are non-refundable

  • No partial refunds are provided for unused time or missed sessions

9. CLIENT RESPONSIBILITIES

As a client, you agree to:

  • Provide honest and accurate information

  • Show up prepared for coaching sessions

  • Communicate respectfully

  • Take responsibility for your actions and decisions

Habit Finances reserves the right to discontinue services if a client acts in a manner that is abusive, dishonest, or disruptive.

10. INTELLECTUAL PROPERTY

All content provided by Habit Finances—including videos, worksheets, tools, emails, templates, and coaching materials—is protected intellectual property.

You agree not to:

  • Copy

  • Share

  • Distribute

  • Sell

  • Reproduce

any materials without written permission.

11. MODIFICATIONS TO SERVICES

Habit Finances may update or modify services, materials, or offerings to improve quality or clarity. Material changes will not retroactively alter signed agreements.

12. ACCEPTANCE OF TERMS

By purchasing, accessing, or participating in Habit Finances services, you acknowledge that:

  • You have read and understood these Terms & Conditions

  • You voluntarily agree to them

  • You accept full responsibility for your financial decisions

If you do not agree, do not purchase or participate.

13. CONTACT INFORMATION

For questions regarding these Terms & Conditions, contact:

Habit Finances LLC
Email: nick@habitfinances.com