Terms and Conditions

4. User Responsibilities

When using our website and services, you agree to:

• Provide accurate and complete information when registering or enrolling
• Use our services only for lawful purposes
• Respect the intellectual property rights of FFoVA and third parties
• Not disrupt or interfere with our website or services
• Maintain the confidentiality of any login credentials
• Notify us immediately of any unauthorized use of your account
• Treat all participants and staff with respect during workshops and events

5. Workshop and Program Policies

Registration and Enrollment

Registration for workshops and programs may require advance payment or commitment. Enrollment is subject to availability and may be limited.

Attendance and Participation

Regular attendance and active participation are encouraged for maximum benefit. We reserve the right to remove participants who disrupt the learning environment.

Cancellation and Refund Policy

Specific cancellation and refund policies will be provided at the time of registration. Generally:

• Cancellations made 48 hours before a workshop may be eligible for refund
• No-shows may not be eligible for refunds
• We may cancel programs due to insufficient enrollment or unforeseen circumstances
• Alternative dates or full refunds will be offered for FFoA-initiated cancellations

6. Intellectual Property Rights

All content on our website and in our programs, including but not limited to text, graphics, logos, images, audio clips, video content, and software, is the property of Financial Foundations of America or its content suppliers and is protected by copyright and other intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works from our content without express written permission.

7. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated by reference into these Terms. By using our services, you consent to the collection and use of your information as outlined in our Privacy Policy.

8. Limitation of Liability

To the fullest extent permitted by law, Financial Foundations of America, its directors, officers, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or use, arising out of or related to your use of our website or services.

Our total liability for any claims related to our services shall not exceed the amount you paid to us for the specific service giving rise to the claim.

9. Indemnification

You agree to indemnify, defend, and hold harmless Financial Foundations of America and its affiliates from and against any claims, damages, obligations, losses, liabilities, costs, or debt arising from your use of our services or violation of these Terms.

10. Third-Party Links and Services

Our website may contain links to third-party websites or services that are not owned or controlled by Financial Foundations of America. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services.

11. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting on our website. Your continued use of our services after any changes constitutes acceptance of the new Terms. We encourage you to review these Terms periodically.

12. Termination

We may terminate or suspend your access to our services immediately, without prior notice or liability, for any reason, including breach of these Terms. Upon termination, your right to use our services will cease immediately.

14. Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.