1:1 Coaching TERMS AND CONDITIONS

Last Updated: August, 2023

TERMS OF PARTICIPATION

 Please READ carefully. By purchasing this product, the following Terms and Conditions are entered into by My Dream Finances LLC (“Company”, “we”, or “us”) and You (“Client” or “You”) agree to the following terms stated herein.

 PROGRAM/SERVICE

My Dream Finances LLC (herein referred as “Company”) agrees to provide Program, “1:1 Coaching Service”  (herein referred to as “Program”) identified in online commerce shopping cart. As a condition of participating in the Program, you agree to be bound by and to abide by all policies and procedures set out in this Agreement, including those incorporated by reference.

 DISCLAIMER

 The Company’s Terms of Use, Privacy Policy, and Disclaimer are hereby incorporated by reference into this agreement. Except as modified by this Agreement, each of those agreements and policies shall apply fully to your participation in the Program.

Client understands Gernaine Foley (herein referred to as “Consultant”) and My Dream Finances LLC., is not acting as nor has a relationship with Client as Client's employee, agent, lawyer, doctor, manager, therapist, public relations or business manager, registered dietician, or financial analyst, psychotherapist or accountant. Not a Financial Planner, Broker, or Tax Advisor

 The Company does not provide any individualized investment advice to you nor does it take into account your particular investment objectives, financial situation, or needs and is not intended as recommendations appropriate for you. Before acting on any information, you should consider whether it is suitable for your particular circumstances and strongly consider seeking advice from your own financial or investment adviser. Germaine Foley, My Dream Finances LLC, ITS AFFILIATES, AND THE PROGRAM DO NOT PROVIDE LEGAL, TAX, OR FINANCIAL ADVICE. WE ARE NOT A FINANCIAL PLANNER, BROKER, FIDUCIARY, OR TAX ADVISOR. Our service, communications with our team, and this site are intended only to assist in educating users on personal finance topics. Your situation is unique and fact-dependent. Thus, any information and advice obtained through our services or this site may not be appropriate for your particular situation. Accordingly, before making any final decisions or implementing any financial strategy, you should consider obtaining additional information and advice from your professional advisers and/or legal counsel who are fully aware of your circumstances and needs.

 FEES

 In consideration of Your access to the Program, you agree to pay the following fees. 

You may choose to pay your program fee as a single payment of $3000 (due immediately)  or 3 monthly payments of $1000 If you elect to pay for 1:1 Coaching in full, you will pay in one payment of $3000. If you select the 3 month payment option, you must pay the initial payment of $1000 today and then your selected payment method will be automatically charged the following 2 payments on a monthly basis, each 30 days apart, for a total payment amount of $3000.

METHODS OF PAYMENT

 You hereby authorize the Company to charge your credit card or debit card automatically according to the terms set forth in the Fees section above.

Regarding recurring payments and outstanding invoices: If all eligible payment methods we have on file for you are declined for payment of your monthly fee, you must provide a new eligible payment method promptly or your program access will be removed.

If you do not request a refund within the terms of the program with the required coursework at the time of your refund request, you understand that your membership will automatically continue and you authorize us (without notice to you, unless required by applicable law) to collect any and all outstanding receivables, using any eligible payment method we have on record for your account.

 CHARGEBACKS 

 Since we have a clear and explicit Refund Policy in these Terms of Use that you have agreed to prior to completing the purchase of any of our Programs, Products, or Services, we do not tolerate or accept any type of chargeback threat or actual chargeback from your credit card company.

You agree to make every attempt to file a refund prior to attempting a chargeback with Your financial institution. In the event of a chargeback attempt, You expressly agree to forfeit any and all of Our bonuses, affiliate bonuses, or other materials afforded to You in exchange for Your original purchase of Our Offering. We reserve the right to present proof of Your access and these Terms and Conditions of Use to the financial institution investigating the dispute. 

 Please note that filing a chargeback does not release you of your obligations under these Terms. After 30 days of outstanding payment, My Dream Finances LLC reserves the right to send you to collections, upon which You will owe the total amount of any outstanding payments plus any collection costs including reasonable attorney’s fees.

 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 all three credit reporting agencies or 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.

 We also reserve our right to seek payment from you for any delinquent payment that is not provided by or upon the date due by enlisting the help of a collections agency, and we may exercise our right to report your delinquent payment to all three credit reporting agencies, either directly or through the help of a collections agency.

If you make a purchase from one of our affiliates, or any other individual or company through a link provided on or through our Programs, Products or Services (“Merchant”), all information obtained during your purchase or transaction and all of the information that you give as part of the transaction, such as your credit card number and contact information, may be collected by the merchant and their payment processing company as well. Your participation, correspondence or business dealings with any affiliate, individual or company on or through our Programs, Products or Services, and all purchase terms, conditions, representations or warranties associated with payment, refunds, and/or delivery related to your purchase, are solely between you and the Merchant. You agree that we shall not be responsible or liable for any loss, damage, refunds, or other matters of any sort that incurred as the result of such dealings with a Merchant.

 Payment processing companies and Merchants may have privacy and data collection practices that are different from ours. We have no responsibility or liability for these independent policies of the payment processing companies and Merchants. In addition, when you make certain purchases through our Programs, Products or Services, you may be subject to the additional terms and conditions of a payment processing company, Merchant or us that specifically apply to your purchase. For more information regarding a Merchant and its terms and conditions that may apply, visit that merchant’s Website and click on its information links or contact the Merchant directly.

You release us, our affiliates, our payment processing company, and Merchants from any damages that you incur, and agree not to assert any claims against us or them, arising from your purchase through or use of our Website or its Content.

REFUND POLICY

There will be no refunds for redeemed 1:1 coaching sessions.

If you have any questions or problems, please let us know by contacting our support team directly. The support desk can be reached at: info@germainefoley.com.

CONFIDENTIALITY

 The Company respects the privacy of its clients and will not disclose any information You provide except as set forth in this Agreement. As a condition of participating in the Program, you hereby agree to respect the privacy of other Program participants and to respect the Company’s confidential information.

 Specifically, you shall not share any information provided by other Program participants outside of the bounds of the Program unless you receive express written permission from such other participant to share the information. Similarly, the content of the Program contains the Company’s proprietary methods, processes, forms, templates, and other information. You hereby agree not to share