The use of financialdesign.co, including all materials and all online services provided by Financial Design Consulting, Stephanie Ramirez, LLC and Stephanie Ramirez is subject to the following terms and conditions of use. By using financialdesign.co, you agree and acknowledge reading, without modification, to the following terms and conditions.
Please read these Terms carefully. By using our website, you agree to be bound by and to comply with these Terms. If you do not agree, you are not authorized to use our website. We may update these Terms from time to time, so please review them regularly. Your continued use of our website after updated Terms have been posted constitutes your consent to the updated Terms.
Scope of Terms
This website, services, and products offered may include but are not limited to, articles, reference and communication tools, message boards, books, courses, digital downloads, and other informational products. All services, products, and work produced on Financial Design (financialdesign.co) are owned and operated by Stephanie Ramirez, LLC (referred to as “us”, “our”, and “we”).
Access to all areas of Financial Design (financialdesign.co) is provided in accordance with the following terms. By using this website, you agree to be legally bound by the terms, which govern your use of this website. If you do not agree to all of the following terms, please immediately discontinue any further use of Financial Design (financialdesign.co). Your failure to follow the terms may result in suspension or termination of your access to this website.
We reserve the right to make changes to these terms and conditions at any time. Continued use of our website by you will constitute your acceptance of any changes and revisions to this document. Please note that the date in which this document was last modified is listed at the bottom of this page.
We reserve the right to refuse service to anyone for any reason at any time.
You agree not to disrupt, modify or interfere with Financial Design, or its associated software, hardware, and/or servers in any way. And you agree not to impede or interfere with others’ use of this website. You further agree not to alter or tamper with any information or materials that are on or associated with Financial Design (financialdesign.co).
You acknowledge and agree that Financial Design (financialdesign.co) and the information, content, and software presented to you through or by this website or used in connection with this website contain proprietary and confidential information that is protected by U.S. and international intellectual property laws, including those pertaining to the protection of copyrights, trademarks, service marks, and patents, and security components that protect digital information. Except as expressly authorized by us, you agree not to sell, rewrite, modify, redistribute, create derivative works, or rent any part of the website or any information presented to you through the Website, in whole or in part. This includes but is not limited to the photographs, graphics, blog posts, videos, and text included on Financial Design (financialdesign.co).
You may not remove any copyright notices from our materials. We reserve all of our other rights not granted in these Terms. You agree not to access (financialdesign.co) by any means other than through the interface that is provided by us for use in accessing the Website.
We grant you a personal, non-exclusive, non-transferable, limited and revocable license to use the website and the service subject to these Terms. You may not use Financial Design in a manner that exceeds the rights granted for your use of this Website, which includes unauthorized copying or distribution of any of the content displayed or used in the website.
Information Provided by You
Restrictions Applicable to Use
In connection with your use of (http://financialdesign.academy/), you may not post, email, transmit or otherwise distribute: (a) Information infringing on intellectual property or privacy rights of others; Information that is unlawful, harmful, obscene, defamatory, harassing, abusive, or slanderous in our sole opinion; (b) Information that harm minors in any way; (c) viruses or other harmful computer code designed to interrupt, destroy or limit the use of any computer software or hardware, or (d) confidential information belonging to any other person. In addition, you may not engage in any conduct to (a) collect information about others; (b) interfere with Financial Design or the servers or other technology hardware used by Financial Design; (c) inhibit others from using Financial Design, or (e) allow any other person or entity to use your password or other identification; or (f) violate any law or regulation.
Disclaimers of Warranties
We provide this website “as is”, “with all faults” and “as available.” We make no express warranties or guarantees about the website. To the extent permitted by law, we disclaim implied warranties that this website is merchantable, of satisfactory quality, accurate, fit for a particular purpose or need, or non-infringing.
We do not guarantee any particular results that may be obtained from the use of this website, including any information or content obtained as a result of using this website will be effective, reliable, accurate, or meet your requirements. We do not guarantee that you will be able to access or use this website (either directly or through third-party networks) at all times or locations of your choosing. No oral or written information or advice given by Stephanie Ramirez or Stephanie Ramirez, LLC or other contributors on Financial Design shall create a warranty. You may have additional consumer rights under your local laws that this contract cannot change. You use this website at your own risk.
We shall not be liable for any indirect, special, incidental, consequential or exemplary damages arising from your use of the service. These exclusions apply to any claims for lost profits, lost data, loss of goodwill, work stoppage, computer failure or malfunction, or any other commercial damages or losses, even if we or our service providers knew or should have known the possibility of such damages. Because some states or jurisdictions do not allow the exclusion or the limitation of liability for consequential or incidental damages, in such states or jurisdictions, the service providers’ liability in such state or jurisdiction is limited to the extent permitted by law.
OUR WEBSITE, SERVICES, AND CONTENT ARE OFFERED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED UNDER LAW, WE DISCLAIM ALL EXPRESS AND IMPLIED WARRANTIES OF ANY KIND WITH RESPECT TO OUR SITE, SERVICES, AND SITE CONTENT (INCLUDING USER CONTENT), INCLUDING ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE (EVEN IF THE PURPOSE HAS BEEN DISCLOSED TO US), AND NON-INFRINGEMENT. WE MAKE NO REPRESENTATIONS OR WARRANTIES ABOUT THE ACCURACY, QUALITY, COMPLETENESS, TIMELINESS, SUITABILITY, OR RELIABILITY OF ANY SERVICES OR CONTENT (INCLUDING USER INFORMATION) AVAILABLE THROUGH OUR WEBSITE OR THROUGH LINKS TO THIRD-PARTY SITES, INCLUDING THAT OUR WEBSITE, SERVICES OR CONTENT (INCLUDING USER INFORMATION) WILL BE UNINTERRUPTED OR ERROR-FREE. WE RESERVE THE RIGHT TO CORRECT ANY ERRORS, INACCURACIES, OR OTHER ISSUES CONCERNING OUR WEBSITE, SERVICES, AND CONTENT. IF YOU RELY ON OUR WEBSITE, SERVICES, OR CONTENT (INCLUDING USER CONTENT), YOU DO SO ENTIRELY AT YOUR OWN RISK.
ALTHOUGH WE INTEND TO TAKE REASONABLE STEPS TO PREVENT THE INTRODUCTION OF VIRUSES, WORMS, OR OTHER HARMFUL ELEMENTS TO OUR SITE, WE DO NOT WARRANT THAT OUR WEBSITE, SERVICES OR CONTENT (INCLUDING USER INFORMATION) WILL BE FREE FROM SUCH ELEMENTS AND WE ARE NOT LIABLE FOR ANY DAMAGES OR HARM ATTRIBUTABLE TO THEM.
Limitation of Liability
FINANCIAL DESIGN AND ITS DIRECTORS, OFFICERS, EMPLOYEES, SERVICE PROVIDERS, AND AGENTS ARE NOT LIABLE FOR ANY CLAIM OF ANY NATURE WHATSOEVER BASED ON ANY LOSS, DAMAGE, LIABILITY, OR INJURY ARISING FROM YOUR USE OF OUR WEBSITE, SERVICES OR CONTENT (INCLUDING USER CONTENT), FROM ANY THIRD-PARTY SITES OR FROM YOUR BREACH OF THESE TERMS. UNDER NO CIRCUMSTANCES WILL FINANCIAL DESIGN OR ITS DIRECTORS, OFFICERS, EMPLOYEES, SERVICE PROVIDERS OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE, EXEMPLARY OR SIMILAR DAMAGES (INCLUDING LOST REVENUES OR PROFITS, LOSS OF BUSINESS, OR LOSS OF DATA) ARISING OUT OF OR RELATED TO YOUR USE OF OUR WEBSITE, SERVICES OR CONTENT (INCLUDING USER INFORMATION), ANY THIRD-PARTY SITES OR THESE TERMS, REGARDLESS OF THE THEORY OF LIABILITY, WHETHER TORT (INCLUDING NEGLIGENCE), CONTRACT, OR ANY OTHER LEGAL OR EQUITABLE THEORY. OUR AGGREGATE LIABILITY TO YOU FOR ANY DIRECT OR OTHER DAMAGES OF ANY NATURE ARISING OUT OF YOUR USE OF, OR INABILITY TO USE, OUR WEBSITE, SERVICES OR CONTENT (INCLUDING USER INFORMATION) WILL BE THE GREATER OF (1) ANY FEES YOU PAID TO FINANCIAL DESIGN IN THE IMMEDIATELY PRECEDING SIX MONTHS AND (2) $US 50. SOME JURISDICTIONS DO NOT ALLOW A LIMITATION OF LIABILITY FOR THESE KINDS OF DAMAGES, SO THESE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU.
YOU UNDERSTAND AND AGREE THAT DOWNLOADING ANY SITE CONTENT IS AT YOUR SOLE RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY LOSS OR DAMAGE TO ANY COMPUTER, DEVICE, NETWORK, SOFTWARE, OR HARDWARE OR ANY LOSS OF DATA THAT MAY RESULT FROM THE DOWNLOAD OR UPLOAD OF ANY MATERIAL.
You agree to defend, indemnify, and hold us, our officers, directors, employees, agents, licensors, and suppliers, harmless from and against any claims, actions or demands, liabilities and settlements including without limitation, reasonable legal and related fees and expenses, resulting from, or alleged to result from your violation of these Terms and Conditions.
Notice and Take Down Procedures and Copyright Agent
If you believe any materials accessible on Financial Design infringe your copyright, trademark or other legal rights, you may request removal of those materials (or access thereto) from Financial Design by contacting Stephanie Ramirez at firstname.lastname@example.org.
Termination of Use and Modification
You acknowledge and agree that we may without prior notice, discontinue, temporarily or permanently, remove you from Financial Design (or any part thereof) or eliminate your account, any associated email address, and remove any information you uploaded or provided to this website with or without notice. Cause for termination will include, but not be limited to, (a) violations of these Terms or any other policy of Financial Design, (b) requests by law enforcement or other government agencies, (c) a request by you (d) discontinuance or material modification to this website, or (e) unexpected technical or security issues or problems.
These Terms and the policies, rules, and guidelines posted on financialdesign.co constitute the entire contract between you and Financial Design and supersede all previous written or oral contracts. If any part of the Terms is held invalid or unenforceable, that portion will be construed in a manner consistent with applicable law to reflect, as nearly as possible, the original intentions of the parties, and the remaining portions will remain in full force and effect.
Execution of Agreement
At our sole discretion, we may require you to submit any disputes arising under these Terms (including disputes arising from or concerning their interpretation, violation, invalidity, non-performance, or termination) to final and binding arbitration in Oklahoma under the Rules of Arbitration of the American Arbitration Association applying Oklahoma law. If this arbitration provision is invalidated in whole or in part, you and Financial Design agree that the federal and state courts located in the Oklahoma will be the exclusive jurisdiction and venue for any claim arising out of these Terms & Conditions and your use of our website.
Changes to these Terms and Conditions
These Terms and Conditions are subject to change at any time. You acknowledge and agree that it is your responsibility to review the legal documents on this site periodically to be aware of any modifications. We will notify you of any changes to these Terms and Conditions by posting those changes on this page with the date of modification.
Last Updated on April 20, 2021