These Terms and Conditions ("Terms") govern your use of flashfinancephile.com (the "Site") and any engagement of services provided by Flash Finance Phile ("Flash Finance Phile," "we," "us," "our"). By using the Site or engaging our services, you agree to these Terms.
1. Acceptance of Terms
By accessing the Site, submitting a form, subscribing to communications, or entering a client engagement, you confirm that you are at least 18 years of age and that you have read, understood, and agreed to these Terms and our Privacy Policy. If you do not agree, please do not use the Site or our services.
2. Description of Services
Flash Finance Phile provides fee-only financial consulting, wealth management guidance, cash-flow planning, debt and credit management coaching, and investment planning. The specific scope, deliverables, fees, and duration of any engagement are defined in a written client agreement signed by both parties. In the event of any conflict between these Terms and a signed client agreement, the client agreement controls for that engagement.
3. No Guarantee of Outcomes
Financial planning involves uncertainty. While we apply professional care, proven methods, and fiduciary judgment, we do not guarantee any particular financial outcome, investment return, credit-score change, debt-elimination timeline, or tax result. Illustrations, projections, and case examples on this Site are hypothetical or historical examples, not promises of future performance.
4. Educational & Informational Content
Content published on the Site — including articles, FAQs, and newsletter emails — is general in nature, provided for informational and educational purposes, and does not constitute individualized investment, tax, legal, or accounting advice. No advisor-client relationship is created by viewing the Site or exchanging general correspondence. Always consult a qualified professional regarding your specific circumstances before acting.
5. Eligibility & Client Responsibilities
- You agree to provide accurate, complete, and current information, and to promptly update it when circumstances change;
- You agree to review documents and recommendations we provide and to ask questions when anything is unclear;
- You remain solely responsible for final decisions concerning your accounts unless expressly delegated in a signed authorization;
- You agree not to misuse the Site, attempt unauthorized access, or use our content for unlawful purposes.
6. Fees, Billing & Payment
Service fees are published on the Site and finalized in your client agreement. Recurring plans are billed monthly in advance (or annually at the discounted rate you select). Fees are earned as services are delivered and are not contingent on investment performance. We never accept commissions, referral fees, or product-based compensation of any kind.
7. Cancellation & Refunds
You may cancel a recurring plan at any time with written notice at least 30 days before your next billing date; access continues through the paid period. Annual plans canceled within the first 30 days are refunded on a pro-rata basis; after 30 days, annual plans are non-refundable but may be converted to monthly at the standard rate. Individual sessions canceled with less than 24 hours' notice may be subject to the session fee.
8. Confidentiality
We treat your non-public personal and financial information as strictly confidential, use it solely to serve you, and disclose it only as described in our Privacy Policy or as required by law. This obligation survives the end of any engagement.
9. Intellectual Property
All Site content — text, graphics, logos, the Wellness-First Method™ materials, and design — is the property of Flash Finance Phile or its licensors and is protected by U.S. and international law. You may view and print pages for personal, non-commercial use. Reproduction, redistribution, or creation of derivative works without our prior written consent is prohibited.
10. Third-Party Links & Tools
The Site may link to third-party websites or tools for convenience. We do not control and are not responsible for their content, accuracy, or privacy practices. Linking does not imply endorsement.
11. Limitation of Liability
To the maximum extent permitted by law, Flash Finance Phile, its owners, employees, and advisors shall not be liable for any indirect, incidental, special, consequential, or punitive damages — including lost profits, lost savings, or market losses — arising from your use of the Site or reliance on general Site content. Our total aggregate liability arising from any client engagement is limited to the fees you paid to us in the twelve (12) months preceding the claim, except where a signed client agreement provides otherwise or where law does not permit such limitation.
12. Indemnification
You agree to indemnify and hold harmless Flash Finance Phile and its personnel from claims, damages, and reasonable expenses arising from your breach of these Terms, your misuse of the Site, or information you provided that was materially false or misleading.
13. Termination
We may suspend or terminate access to the Site, and either party may terminate a client engagement as provided in the client agreement, including for material breach that remains uncured after written notice. Provisions that by their nature should survive termination (confidentiality, intellectual property, limitation of liability) will survive.
14. Governing Law & Dispute Resolution
These Terms are governed by the laws of the State of Idaho, USA, without regard to conflict-of-law principles. Any dispute not resolved through good-faith negotiation within 30 days shall be submitted to binding arbitration in Kootenai County, Idaho, under the rules of a mutually agreed arbitration provider, and judgment on the award may be entered in any court of competent jurisdiction. You waive any right to participate in a class action against us.
15. Changes to These Terms
We may revise these Terms from time to time. The "Effective" date above will change, and continued use of the Site after revisions are posted constitutes acceptance. Material changes affecting active client engagements will be communicated directly.
16. Contact
Questions about these Terms: Flash Finance Phile · 8828 S Upper Twin Lks Shr, Rathdrum, Idaho 83858, USA · (208) 687-0157 · info@flashfinancephile.com
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