TERMS & CONDITIONS

TERMS & CONDITIONS

Agreement to Terms

By accessing or using Black Wealth Abroad LLC's website and services, you agree to be bound by these Terms and Conditions. If you disagree with any part of these terms, you may not access our services.

Services Description

Black Wealth Abroad LLC provides financial coaching, educational resources, digital products, and related services designed to help individuals improve their financial literacy and achieve financial goals.

Eligibility

You must be at least 18 years old to use our services. By using our services, you represent that you are of legal age.

User Accounts

When you create an account with us:

  • You are responsible for maintaining the confidentiality of your account information

  • You are responsible for all activities that occur under your account

  • You must provide accurate and complete information

  • You must notify us immediately of any unauthorized use

Purchases and Payment

Pricing

  • All prices are in US Dollars (USD)

  • Prices are subject to change without notice

  • You will be charged the price displayed at the time of purchase

Payment Processing

  • We use third-party payment processors (PayPal and Stripe)

  • You must provide valid payment information

  • You authorize us to charge your payment method for purchases

Refund Policy

  • Digital products: No refunds after download/access

  • VIP Sessions: Refundable up to 48 hours before scheduled session

  • Group Programs: Refund policy specified at time of purchase

  • To request a refund, contact us at [your email] within the applicable timeframe

Coaching Services Disclaimer

Not Financial Advice

Our coaching services provide education, guidance, and support. However:

  • We are not certified financial advisors, accountants, or lawyers

  • Our services do not constitute financial, legal, or tax advice

  • You should consult with licensed professionals for specific advice

  • We are not responsible for financial decisions you make

No Guarantees

  • We make no guarantees about specific financial outcomes

  • Results vary based on individual circumstances and effort

  • Testimonials represent individual experiences and are not typical results

  • Your success depends on your commitment and actions

Confidentiality

  • We maintain confidentiality of information shared during coaching sessions

  • We will not disclose your personal financial information without consent

  • Exceptions include legal requirements or to prevent harm

Intellectual Property

Our Content

All content on our website, including:

  • Text, graphics, logos, images

  • Digital products and guides

  • Videos, audio, and course materials

  • Website design and functionality

Is owned by Black Wealth Abroad LLC and protected by copyright and trademark laws.

Your License

We grant you a limited, non-exclusive, non-transferable license to:

  • Access and use purchased digital products for personal use only

  • You may not reproduce, distribute, modify, or sell our content

  • You may not share login credentials or downloaded materials

User-Generated Content

If you submit testimonials, reviews, or other content:

  • You grant us a worldwide, royalty-free license to use, reproduce, and display that content

  • You represent that you own or have rights to the content

  • You will not submit content that is illegal, offensive, or infringes on others' rights

SMS/Text Messaging Terms

By opting in to receive text messages:

  • You consent to receive automated marketing and transactional messages

  • You can opt-out at any time by texting STOP

  • Standard message and data rates apply

  • We use SMS for appointment reminders, coaching tips, and promotions

  • Message frequency: approximately 4-8 messages per month

Prohibited Uses

You may not use our services to:

  • Violate any laws or regulations

  • Infringe on intellectual property rights

  • Transmit harmful or malicious content

  • Impersonate others or provide false information

  • Attempt to gain unauthorized access to our systems

  • Use our services for any illegal or unauthorized purpose

Limitation of Liability

To the fullest extent permitted by law:

  • We are not liable for indirect, incidental, or consequential damages

  • Our total liability is limited to the amount you paid for services

  • We are not responsible for any financial losses you may experience

  • We do not guarantee uninterrupted or error-free service

Indemnification

You agree to indemnify and hold Black Wealth Abroad LLC harmless from any claims, damages, or expenses arising from:

  • Your use of our services

  • Your violation of these terms

  • Your violation of any rights of others

Termination

We reserve the right to:

  • Terminate or suspend your account at any time

  • Refuse service to anyone for any reason

  • Modify or discontinue services without notice

You may terminate your account at any time by contacting us.

Dispute Resolution

Governing Law

These Terms are governed by the laws of South Dakota, USA, without regard to conflict of law provisions.

Arbitration

Any disputes arising from these Terms or our services shall be resolved through binding arbitration in accordance with the American Arbitration Association rules, rather than in court.

Class Action Waiver

You agree to resolve disputes on an individual basis and waive any right to participate in class action lawsuits.

Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of significant changes by:

  • Posting updated Terms on our website

  • Updating the "Last Updated" date

  • Sending email notification for material changes

Continued use of our services after changes constitutes acceptance of the new Terms.

Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full effect.

Contact Information

For questions about these Terms and Conditions:

Black Wealth Abroad LLC

© 2025 Black Wealth Abroad. All rights reserved.