Terms and Conditions
Please read these Terms and Conditions of Use (“TOU”) carefully. You must agree to these TOU before you are permitted to use any of The Financial Knot ® ’s digital or downloadable resources, online course, one-on-one or coaching, class, program, pre-enrollment promotional program or offer, workshop, or training, video, member portal(s), enter any online private forums operated by The Financial Knot ® , LLC (for any purpose), whether on a website hosted by The Financial Knot ® , LLC, including https://www.thefinancialknot.com/ (“Website”), or a third-party website such as an online course platform or Facebook.com, participate in any workshop or challenge; attend any live (in-person) or virtual event hosted or promoted by The Financial Knot ® , LLC; and/or purchase or take part in any future service or activity offered by The Financial Knot ® , LLC, whether now known or unknown (collectively the “Program”). If you do not agree with these TOU, you may not use the Program or Website. As used in these TOU, the term “Releasees” is defined to include the following: (i) The Financial Knot ® , LLC, its subsidiaries, affiliated companies, owners, members, managers, directors, officers, past and present employees, agents, coaches, representatives, successors, and assigns (collectively, the “Company”); (ii) any Company volunteers; and (iii) Stephanie Vokral.
1. The Program or services
As part of the Program or use of services you select, you will receive the services outlined on the web page where you registered or provided by The Company. The Company reserves, in its sole right and discretion, the right to adjust the Program, including the services and/or pricing at any time. Except as otherwise expressly provided for in these TOU, any modification to the Program will take immediate effect. If you register for the Program, you understand and agree that you may be advised by Stephanie Vokral, guest coaches, and/or your peers that are also participating in the Program. In the event Stephanie Vokral is not in attendance for a group meeting for any reason including, but not limited to, illness, injury, pregnancy, or any other unforeseen circumstance(s), the Company may, in its sole right and discretion, designate a qualified host of Company’s choosing to carry out the meeting. Please note that if you disagree with the Company’s designated choice of host in the event Stephanie Vokral is unavailable for the Program meeting, no grounds to receive a refund will be created, and any request for a refund on this basis shall be denied.
2. Participants
The Program or services and Website are intended for individuals and families in divorce only, as further explained in the Refund Policy below and on the Website. The Program and Website are intended and only suitable for individuals aged eighteen (18) and above. Some of the content in the Program and on the Website may not be appropriate for children. Children under the age of eighteen (18) are not permitted to use the Program or Website. The Company hereby disclaims all liability for use by individuals under the age of eighteen (18). If you wish to participate in another session of the Program in the future or purchase any other products, programs or services from the Company, all terms of these TOU will continue to apply unless superseded by another agreement in writing.
3. Early Enrollment Program Offers / Special Program Offers
From time to time, the Company may offer clients/participants promotional pricing, early enrollment, and early access to specific services outlined on the Website, for a temporary period of time (“Promotional Offer”). If you accept the Promotional Offer by taking the required steps (i.e., submitting a Program application/questionnaire and/or making the required payment) then you agree that these TOU will apply to the Promotional Offer, unless otherwise detailed on the webpage where the services of the Promotional Offer are outlined. Please note that you are subject to any additional terms set out for the Promotional Offer, whether said additional terms are outlined on the Website or otherwise (i.e., email), and those additional terms shall be incorporated into this TOU. Promotional Offer information, including application details and/or payment instructions will also be detailed and outlined on the Website when registering for the specific Program(s) offered under the Promotional Offer.
4. Application/Questionnaire Process and Fees
a. Open Enrollment: To participate in the Company’s programs, services or offerings, you must complete and submit a questionnaire, and pay a fee due immediately as indicated in our agreement.
b. You agree that all the information submitted on your questionnaire will be accurate, correct and up to date. Questionnaires will be evaluated by the Company, and the Company reserves the right to deny entrance into the Program or services to anyone that is deemed unqualified for any reason, at the Company’s sole and absolute discretion.
5. Payment
You agree to the fees and payment schedule for services you select. If paying by debit card or credit card, you give the Company permission to automatically charge your credit or debit card for all fees and charges due and payable to the Company, without any additional authorization, for which you will receive an electronic receipt. You also agree that the Company is authorized to share any payment information and instructions required to complete the payment transactions with its third-party payment service providers (e.g., credit card transaction processing, merchant settlement, and related services). Unless stated otherwise, payment in full is required before you are permitted to participate in any services. If payment is not received when due, the Company reserves the right to terminate your access to the Program or services and all Content immediately and permanently. Regarding Promotional Offers, if you are late on payments, Company will immediately revoke your access to any member portal; however, Company will grant you access to the member portal again if you pay all delinquent payments before services are rendered. If you fail to make any payment in a timely manner (on the date in which payment is due) or voluntarily withdraw from services at any time or for any reason, you will remain fully responsible for the full cost and all payments in any payment plan you have chosen, unless otherwise mentioned within these TOU. The Company reserves the right to charge a late fee on all balances more than 30 days overdue. You agree to reimburse the Company for all collection and/or legal fees and expenses necessitated by lateness or default in payment.
6. Refunds
a. The Company does not issue refunds. You acknowledge that your sale is final, and you are not eligible for any refund. Unless otherwise provided by law, you acknowledge that the Company does not offer refunds unless the Company determines, in its sole discretion, that you satisfy the criteria. Upon determining that you are to be issued a refund, the Company will promptly issue an instruction to its payment processor to issue the refund. The Company does not control its payment processor and will not be able to expedite any refunds. Upon receiving your requested refund, you understand and agree that you will not be able to participate in any Company services in the future.
b. Refund Policies for Promotional Program Offers / Special Program Offers: If you enrolled in the Program through a Promotional Offer, whether there are payments that you’ve missed or if you’ve opted for monthly payments to participate in the Promotional Offer, all monthly payments are nonrefundable. If you are located outside of the United States, the Company agrees to provide a cooling-off period and will honor your right of withdrawal as required by law. In the event you are not meeting milestones in the Program or the Company determines you are not likely to achieve your desired results, the Company may, in its sole and absolute discretion, give you the option to either terminate your participation in any Program with a full or partial refund, or continue to participate in any Program with an express forfeiture and waiver of any future opportunity to request a refund. In the event of Stephanie Vokral’s death, her estate shall have 180 days from her death to settle, emit, distribute, and honor any refund requests or unfulfilled.
Program reimbursements
Any deviation by the Company from these policies, as determined in the Company’s sole discretion, does not constitute a waiver of these policies and you will not be entitled to a refund on that basis. The Company reserves the right, in its sole discretion, to determine how to discipline a participant who violates these TOU. Therefore, if a client/participant disagrees with how the Company disciplines another participant and requests a refund, the Company will deny such request. Furthermore, if a participant violates these TOU, the Company reserves the right, in its sole discretion, to offer the participant another opportunity to abide by these TOU. If a participant disagrees with the Company offering another participant a second opportunity to follow these terms, no grounds for a participant to receive a refund would be created, and any request for a refund on this basis shall be denied. If, in the Company’s sole right and discretion, you persist with behaviors or actions that violate these TOU, the Company may terminate your access and participation in the Program without notice and without refund. Since we have a clear and explicit Refund Policy in these TOU that you have agreed to prior to completing the purchase of the Program, we do not tolerate or accept any type of chargeback threat or actual chargeback from your credit card company or payment processor. In the event that a chargeback is placed on a purchase, or we receive a chargeback threat during or after your purchase, we reserve the right to report the incident to any other entity for inclusion in any chargeback database or for listing as a delinquent account which could have a negative impact on your credit report score. The information reported will include your name, email address, order date, order amount, and billing address. Chargeback abusers wishing to be removed from the database shall make the payment for the amount of the chargeback.
7. Guest Coaches and Coach Substitutes
The Company may have guest coaches and/or coach substitutes participate and coach the Program. The Company, in its sole right and discretion, reserves the right to assign any and all duties, responsibilities, and obligations under the terms of these TOU, at any time, to any qualified third party of the Company’s choosing, to deliver, administer, and carry out the Program, without providing advance notice nor needing consent from any participant. If a participant disagrees with or fails to consider Company’s guest coach or coach substitute as qualified, no grounds to receive a refund will be created, and any request for a refund on this basis shall be denied.
8. Intellectual Property Rights
a. Ownership of the Content
The words, videos, voice and sound recordings, training materials, design, layout, graphics, photos, images, information, materials, documents, data, databases and all other information and intellectual property accessible on or through the Company website, any third-party website the Company may use to distribute or host the Program, contained in e-mails sent to you by the Company, or provided at in-person events by the Company, as well as the look and feel of all of the foregoing (“the Content”) is property of the Company and/or our affiliates or licensors, unless otherwise noted, and it is protected by copyright, trademark, and other intellectual property laws.
b. The Company’s Limited License to You:
If you view, purchase, or access the Program or any of the Content, you will be considered our Licensee. For the avoidance of doubt, you are granted a revocable, non-transferable license for personal, non-commercial use only, limited to you only. This means you may view, download, print, email and use one copy of individual pages of the Program and Content for your own personal purposes or your own internal business use only. You may not republish, reproduce, duplicate, copy, sell, display, disclose, distribute to friends, family, your clients, or customers, or any other third party, or otherwise use any material from the Program or Content for commercial purposes or in any way that earns you or any third-party money (other than by applying them internally in your own business). By downloading, printing, or otherwise using the Program or Content for personal use you in no way assume any ownership rights of the Content – it is still Company property. Any unauthorized use of any materials found in the Program or Content shall constitute infringement. You must receive the Company’s written permission before using any of the Program or Content for your own commercial use or before sharing with others. The trademarks and logos displayed on the Program or Content are trademarks belonging to the Company, unless otherwise indicated. Any use including framing, metatags or other text utilizing these trademarks, or other trademarks displayed, is strictly prohibited without our written permission. All rights not expressly granted in these terms or any express written license, are reserved by the Company.
c. Unauthorized Use
Your use of any materials found in Program or Content other than that expressly authorized in this TOU or by a separate written assignment, is not permitted (“Unauthorized Use”). You agree to pay liquidated damages of five (5) times the total fees paid for the Program in the event of your Unauthorized Use, in addition to any legal or equitable remedies the Company may be entitled to pursue. This is not a penalty but an agreed upon liquidated damages charge for the Unauthorized Use. You agree that any violation or threatened violation of the Intellectual Property Rights terms in this TOU would cause irreparable injury to the Company that may not be adequately compensated by damages, entitling the Company to obtain injunctive relief, without bond, in addition to all legal remedies.
d. Request for Permission to Use the Content
If you wish to use any of the Content, or any other intellectual property or property belonging to the Company, you should request permission in writing BEFORE you use the Content by sending an e-mail to svokral@thefinknot.com. If you are granted permission by the Company, you agree to use the specific Content that the Company allows and only in the ways for which the Company has given you its written permission. If you choose to use the Content in ways that the Company does not specifically give you written permission, you agree now that you will be treated as if you had copied, duplicated and/or stolen such Content from the Company, and you consent to immediately stop using such Content and to take whatever actions as the Company may request and by the methods and in the time frame that the Company prescribes to protect its intellectual property and ownership rights in the Program and Content.