Terms and Conditions
Last Updated: April 1, 2026
Welcome to Financial Foundations of America. These Terms and Conditions (“Terms”) govern your use of our website at www.financialfoundationsofamerica.org and all related services, workshops, educational programs, and resources provided by Financial Foundations of America (“FFoA,” “we,” “us,” or “our”).
Acceptance of Terms
By accessing or using our website, enrolling in our programs, attending workshops, or utilizing our services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use our services.
Educational Purpose
All information, programs, and services provided by Financial Foundations of America are for educational purposes only and do not constitute professional financial, investment, tax, or legal advice. We are not financial advisors, and nothing on this website should be construed as personalized financial advice.
You should consult with qualified professionals regarding your specific financial situation before making any financial decisions. We assume no responsibility for any financial decisions you make based on information obtained through our services.
Use of Services
You agree to use our services only for lawful purposes and in accordance with these Terms. You agree not to:
- Violate any applicable laws or regulations
- Infringe on the intellectual property rights of others
- Transmit harmful code, viruses, or malware
- Attempt to gain unauthorized access to our systems
- Harass, abuse, or harm others
- Use our services for commercial purposes without permission
- Impersonate others or misrepresent your affiliation
Intellectual Property
All content on our website, including text, graphics, logos, images, videos, course materials, and software, is the property of Financial Foundations of America or our licensors and is protected by copyright, trademark, and other intellectual property laws.
You may access and use our educational materials for personal, non-commercial educational purposes only. You may not reproduce, distribute, modify, create derivative works, publicly display, or commercially exploit any content without our express written permission.
User Accounts
When you create an account, you are responsible for:
- Maintaining the confidentiality of your account credentials
- All activities that occur under your account
- Providing accurate and complete information
- Updating your information to keep it current
- Notifying us immediately of any unauthorized use
Privacy
The collection and use of your personal information is governed by our Privacy Policy, which is incorporated by reference into these Terms. By using our services, you consent to the collection and use of your information as outlined in our Privacy Policy.
Disclaimer of Warranties
Our services are provided “as is” and “as available” without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.
We do not warrant that:
- Our services will be uninterrupted or error-free
- Defects will be corrected
- Our website is free of viruses or harmful components
- The information provided is accurate, complete, or current
- Results from using our services will meet your expectations
Limitation of Liability
To the fullest extent permitted by law, Financial Foundations of America, its directors, officers, employees, volunteers, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, or goodwill, arising out of or in connection with your use of our services.
Our total liability for any claims arising from your use of our services shall not exceed the amount you paid for the specific service giving rise to the claim, or $100 if the service was provided free of charge.
Indemnification
You agree to indemnify, defend, and hold harmless Financial Foundations of America and its affiliates from any claims, liabilities, damages, losses, and expenses, including reasonable attorneys’ fees, arising out of or related to your use of our services or violation of these Terms.
Third-Party Links
Our website may contain links to third-party websites or services that are not owned or controlled by Financial Foundations of America. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services.
Modifications
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after changes are posted constitutes your acceptance of the modified Terms.
Termination
We may terminate or suspend your access to our services immediately, without prior notice or liability, for any reason, including but not limited to breach of these Terms. Upon termination, your right to use our services will cease immediately.
Governing Law
These Terms shall be governed by and construed in accordance with the laws of the Commonwealth of Virginia, United States, without regard to its conflict of law provisions.
Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.
Contact Information
If you have any questions about these Terms, please contact us at:
Financial Foundations of America
Email: info@financialfoundationsofamerica.org