Welcome to Build with Cents. By using this website, purchasing services, or accessing any materials, you agree to the following terms:

1. Services

Build with Cents provides financial coaching and educational services. Services are not a substitute for licensed professional advice (financial, tax, or legal).

2. Payments & Refunds

All payments for coaching sessions or digital products must be made in full before services begin. Due to the nature of coaching, all sales are final. No refunds will be issued once a service is delivered unless otherwise stated in writing.

3. Client Responsibility

Clients are responsible for the accuracy of all information provided. Results may vary. You understand and agree that your financial outcomes are your responsibility.

4. Intellectual Property

All materials shared on this site or in coaching sessions (worksheets, templates, videos) are owned by Build with Cents and are for your personal use only. They may not be shared, copied, or redistributed without written permission.

5. Modifications

We reserve the right to update or change these terms at any time. Continued use of the site after changes constitutes acceptance.

6. Contact

For questions, email: contact@buildwithcents.com