40AM Capital Terms of Use

Last Updated: September 28, 2024

Welcome to 40AM Capital! These Terms of Use ("Terms") govern your use of our website, financial coaching services, workshops, digital products, and any other services provided by 40AM Capital. By accessing or using our website or services, you agree to comply with and be bound by these Terms. If you do not agree with these Terms, you should not use our services or access our website.

1. General Use of the Website and Services

By accessing and using our website and services, you agree to the following:

  • You are at least 18 years old or have the legal capacity to enter into binding contracts.

  • You will provide accurate, complete, and current information when requested by 40AM Capital, including when registering for services or inputting financial data.

  • You are responsible for maintaining the confidentiality of any account credentials or personal information and for all activities under your account.

2. Financial Coaching and Advice Disclaimer

40AM Capital provides financial coaching services designed to help you improve your financial habits, make informed decisions, and achieve financial independence. However, we are not a financial advisory firm and do not provide specific investment, tax, or legal advice.

  • All tools, resources, and coaching services provided are for educational purposes only.

  • The information provided during coaching sessions, workshops, or through digital products is not intended to substitute for professional financial advice. You should consult with a licensed financial advisor, tax professional, or attorney for specific financial, tax, or legal advice.

3. Financial Tool Usage Terms

Our financial tools, including calculators and assessments, are designed to provide educational insights and help you understand your financial situation. These tools should be used for personal and informational purposes only.

  • No Guarantee of Accuracy: While we strive for accuracy, the results provided by our financial tools are estimates and should not be relied upon as financial advice or predictions of actual outcomes.

  • No Professional Advice: The tools do not replace personalized financial, investment, or tax advice. Always consult a licensed professional for detailed advice tailored to your financial needs.

  • User Responsibility: You are responsible for ensuring that the information entered into the tools is accurate. 40AM Capital is not liable for any discrepancies or financial decisions made based on the results of the tools.

4. Intellectual Property Rights

All content on this website, including but not limited to tools, financial calculators, workbooks, guides, articles, logos, trademarks, and design, is the property of 40AM Capital and is protected by copyright, trademark, and other intellectual property laws.

  • You may not reproduce, distribute, modify, create derivative works from, or publicly display any of the content without prior written consent from 40AM Capital.

  • You are granted a limited, non-exclusive, non-transferable license to access and use the materials for personal, non-commercial purposes only.

5. Payment and Refund Policy

When purchasing any of our paid services (e.g., workshops, digital products, coaching sessions), you agree to the following payment terms:

  • Payments must be made in full before accessing the services, unless otherwise specified.

  • Refund Policy: Refunds for workshops, coaching sessions, or digital products are subject to specific terms outlined at the time of purchase. Refunds are not guaranteed, but we may provide them at our discretion if services have not yet been rendered or completed.

  • If you wish to request a refund, please contact us within 30 days of purchase.

6. Limitation of Liability

To the fullest extent permitted by law, 40AM Capital will not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in connection with your use of our website, services, or content. This includes any financial loss, loss of data, loss of profit, or damage resulting from reliance on any advice or tools provided by 40AM Capital.

  • 40AM Capital does not guarantee specific financial outcomes as results depend on individual circumstances and choices. You are responsible for your financial decisions and outcomes.

7. Privacy and Data Security

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your personal information. By using our website and services, you consent to the collection and use of information in accordance with the Privacy Policy.

8. User Conduct

When using our website or engaging with our services, you agree not to:

  • Engage in any unlawful, abusive, or harmful activity.

  • Upload or transmit any malicious code, viruses, or harmful files.

  • Use the website or services to infringe upon the intellectual property rights of 40AM Capital or any third party.

  • Interfere with or disrupt the functionality of the website, servers, or networks connected to the website.

9. Third-Party Links and Services

Our website may contain links to third-party websites or services, such as partners, financial advisors, or other external resources. These links are provided for convenience only, and 40AM Capital does not endorse, control, or assume responsibility for the content, privacy practices, or services offered by third parties.

  • You acknowledge that any use of third-party services is at your own risk and subject to the terms and conditions of those third parties.

10. Termination of Access

We reserve the right to terminate or suspend your access to our website or services at any time, with or without notice, for violating these Terms or engaging in any unlawful or inappropriate conduct.

11. Dispute Resolution

If a dispute arises in connection with these Terms or your use of our website and services, we will first attempt to resolve the dispute through informal negotiation. If informal negotiation does not resolve the dispute, you agree to submit the dispute to binding arbitration in accordance with the rules of the American Arbitration Association.

  • Arbitration will take place in New Jersey, and the decision of the arbitrator will be final and binding.

12. Changes to Terms of Use

We reserve the right to modify or update these Terms at any time. We will post the revised Terms on this page, and the date of the most recent update will be indicated at the top. Continued use of the website and services after changes have been posted constitutes your acceptance of the updated Terms.

13. Governing Law

These Terms will be governed by and construed in accordance with the laws of the state of New Jersey, without regard to its conflict of law principles. You agree to submit to the exclusive jurisdiction of the state and federal courts located in New Jersey for any legal proceedings arising out of these Terms or your use of the website and services.

14. Contact Information

If you have any questions or concerns about these Terms of Use, please contact us HERE.

Conclusion:

These Terms of Use outline the conditions under which you use our website and services. By providing clear guidelines and limitations, we aim to create a secure and beneficial experience for both our clients and 40AM Capital.