Terms of Service
Effective Date: June, 2025
Welcome to Personal Finance Warrior, a financial education platform for women entrepreneurs operated by Kelly Gushue. These Terms of Service (“Terms”) govern your use of our website, programs, and services. By visiting or engaging with our website, you agree to these Terms and our Privacy Policy.
1. Who We Are Personal Finance Warrior (“we,” “us,” “our”) offers financial education content, coaching services, and digital downloads. Our site is intended for individuals aged 18 and older.
2. Disclaimer: Educational Purposes Only All content on this website is provided for educational and informational purposes only. Nothing on this site should be interpreted as legal, financial, or tax advice. You should consult a licensed advisor for personalized guidance.
3. User Responsibilities By using this site, you agree that you will: Provide accurate, lawful information Not misuse or hack this website Respect all intellectual property and copyright protections
4. Intellectual Property All website content — including images, copy, downloads, videos, course materials, and trademarks — is owned by Personal Finance Warrior and may not be copied or reused without express written permission.
5. Digital Products & Refunds All purchases of digital content (e.g., downloads, checklists, coaching sessions, programs) are non-refundable, unless stated otherwise in writing. We reserve the right to modify, remove, or update offerings at any time.
6. Privacy & Data Protection (GDPR + CCPA) We take your privacy seriously and comply with GDPR and CCPA. What we collect: Name, email, and other data you submit via forms Behavioral tracking via cookies and analytics Purchase and contact history (if applicable) What we do with it: Deliver emails, free content, or purchased products Send relevant offers and newsletters (you may unsubscribe anytime) Track advertising and site performance GDPR (EU residents): You may request to access, correct, delete, or limit the use of your personal data by contacting us at [your email]. CCPA (California residents): You have the right to know what data we collect, request deletion, and opt out of the sale of personal data. We do not sell your data. For full privacy details, please see our Privacy Policy. [link: ADD link from above]
7. Third-Party Services We use third-party tools like: Flodesk (email delivery) Stripe / PayPal (payment processing) Meta / Facebook Ads (marketing + retargeting) Each tool has its own privacy policy and terms.
8. Affiliate Links Some content may include affiliate links. If you purchase through these links, we may earn a commission at no additional cost to you. We only promote tools we personally trust.
9. Limitation of Liability We are not liable for any direct or indirect loss arising from your use of our site, content, or services. All services are provided “as-is” without warranties of any kind.
10. Termination We reserve the right to terminate your access to our site or services at any time for breach of these Terms.
11. Governing Law These Terms are governed by the laws of the State of California, United States, and applicable U.S. federal and international regulations.
12. Changes to These Terms We may update these Terms at any time. Continued use of this site after changes are made constitutes your acceptance of the updated Terms.
13. Contact If you have any questions about these Terms, contact: 📧 kelly@personalfinancewarrior.com 🌐 www.personalfinancewarrior.com