Effective Date: July 2026

Agreement to Terms

Welcome to Money Mentor ("Company," "we," "our," or "us"). These Terms and Conditions govern your use of our website, coaching services, online courses, digital products, memberships, and related services.

By accessing or using our website, purchasing our services, enrolling in our programs, or downloading our materials, you agree to be bound by these Terms and Conditions. If you do not agree to these Terms, please do not use our website or services.

Eligibility

You must be at least 18 years old to access or purchase our services. By using our website and services, you represent that you are at least 18 years of age and have the legal capacity to enter into this agreement.

Services Provided

Money Mentor provides:

Financial coaching

Group coaching programs

Online courses

Digital products and resources

Educational content

Workshops, webinars, and related services

All services are provided for educational and informational purposes only.

No Professional Financial Advice

Money Mentor is a financial coaching business and does not provide financial, investment, tax, accounting, legal, insurance, or other licensed professional advice.

Information provided through our website, coaching programs, courses, digital products, social media content, emails, and other materials is educational in nature and should not be construed as professional advice.

You are solely responsible for your financial decisions and should consult qualified professionals regarding your specific circumstances.

User Responsibilities

By using our services, you agree to:

Provide accurate information

Use our services only for lawful purposes

Maintain the confidentiality of your account credentials

Take personal responsibility for your financial decisions and actions

Respect other members and participants in group programs and online communities

Payments

All prices are listed in U.S. dollars unless otherwise stated.

Payment is due at the time of purchase unless a payment plan has been agreed upon.

If you enroll in a payment plan, you authorize us to charge the payment method on file according to the agreed schedule.

Failure to complete payments may result in suspension or termination of access to services, courses, memberships, or materials.

Refund Policy

Unless otherwise stated on the sales page for a specific product or service:

Coaching sessions that have already occurred are non-refundable.

Digital products are non-refundable.

Online courses are non-refundable once access has been granted.

Membership fees are non-refundable.

Any exceptions to this policy will be clearly stated in writing at the time of purchase.

Scheduling and Cancellation Policy

Clients are responsible for scheduling coaching sessions.

Appointments canceled less than 24 hours before the scheduled session may be forfeited without refund.

Repeated no-shows or missed appointments may result in termination of coaching services without refund.

Intellectual Property

All content provided through Money Mentor, including but not limited to:

Course materials

Worksheets

Workbooks

Videos

Downloads

Templates

Presentations

Website content

Logos and branding

is the intellectual property of Money Mentor and is protected by copyright and other applicable laws.

You may use purchased materials for your personal, non-commercial use only.

You may not:

Copy

Reproduce

Distribute

Sell

Share

Modify

Republish

our materials without prior written permission.

Community Standards

If participating in group coaching programs, memberships, online communities, or social media groups associated with Money Mentor, you agree to:

Treat others respectfully

Avoid harassment, discrimination, or abusive conduct

Refrain from soliciting or promoting unrelated products or services

Maintain confidentiality regarding information shared by other participants

We reserve the right to remove participants who violate these standards without refund.

Testimonials

We may use testimonials, reviews, or success stories submitted voluntarily by clients.

Testimonials reflect individual experiences and are not guarantees of future results.

No Guarantee of Results

We make no guarantees regarding financial outcomes, debt reduction, savings growth, income increases, or any other results.

Individual results vary based on numerous factors, including personal circumstances, effort, implementation, and decision-making.

You acknowledge that success depends primarily on your own actions.

Limitation of Liability

To the fullest extent permitted by law, Money Mentor and its owners, employees, contractors, and affiliates shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from:

Use of our website

Participation in coaching services

Use of online courses or digital products

Reliance on information provided through our services

Your use of our services is at your own risk.

Indemnification

You agree to defend, indemnify, and hold harmless Money Mentor and its affiliates from any claims, liabilities, damages, losses, costs, or expenses arising from your use of our services or violation of these Terms.

Third-Party Services

Our website may contain links to third-party websites or services.

We are not responsible for the content, policies, or practices of third-party websites.

Termination

We reserve the right to suspend or terminate access to our website, programs, products, memberships, or services at any time for violations of these Terms.

Governing Law

These Terms and Conditions shall be governed by and interpreted under the laws of the State of Minnesota, without regard to conflict of law principles.

Any disputes arising under these Terms shall be resolved in the appropriate courts located in Minnesota.

Changes to These Terms

We reserve the right to modify these Terms and Conditions at any time.

Updates will be posted on this page with a revised effective date. Continued use of our website or services constitutes acceptance of any modifications.

Contact Information

Money Mentor

Email: [email protected]

Website: chelseasalzer.com

Last Updated: July 2, 2026