These Terms and Conditions relate to Rule Your Finances™ Academy (Program);
 the term “Products” refers to all videos and online training/learning content, coaching, workshops, and other material presented. By purchasing Products through this site, you are agreeing to these terms and entering into a contract with BoricuaCats® Ltd (“Company”, “we”, “us”) t/a Wear Your Money Crown®. https://wearyourmoneycrown.com/.

Wear Your Money Crown® provides content strictly for educational purposes only. All content on our Website and our educational materials is not intended to be, and nor should it be construed as being, financial advice. Any examples provided are solely for purposes of illustration. The information is not a substitute for professional advice from a suitably qualified adviser aware of your personal circumstances and situation and we would recommend that you consult with such an adviser before taking financial decisions. We do not provide financial advice. All material is provided “as is” with no warranties or indemnities as to its appropriateness for your particular situation. BoricuaCats® Ltd takes no responsibility for the implementation of any advice in your own business or the outcomes of such implementation.

When you purchase access to the Products you are purchasing a non-transfer-able, non-exclusive right to access the information. You may not publish or share the Products or your login details with anyone else.

Payment:

You agree to the fees and payment schedule selected at checkout. If paying by debit card or credit card, you give us permission to automatically charge your credit or debit card for all fees and charges due and payable to the Company, without any additional authorization, for which you will receive an electronic receipt. You also agree that the Company is authorized to share any payment information and instructions required to complete the payment transactions with its third-party payment service providers (e.g., credit card transaction processing, merchant settlement, and related services). If payment is not received when due, the Company reserves the right to terminate your access to Rule Your Finances™ Academy and all Content immediately and permanently. If you fail to make any payment in a timely manner or voluntarily withdraw from the Rule Your Finances™ Academy at any time or for any reason, you will remain fully responsible for the full cost of the Rule Your Finances™ Academy and all payments in any payment plan you have chosen. The Company reserves the right to charge a late fee on all balances more than 30 days overdue. You agree to reimburse the Company for all collection and/or legal fees and expenses necessitated by lateness or default in payment.

Return, refund and cancellation policy:

Your satisfaction with Rule Your Finances™ Academy is important to us. This program has been created with love, dedication, and a true desire to see you improve your financial wellness. However, it requires your time, participation, commitment, focus, and effort. To receive a refund to our Program, you must cancel your participation in the Program within (14) days after payment of the Program fee and submit proof that you completed Module 1 and/or Module 2, including the workbooks, by sending an email to [email protected]. If you request a refund and do not include proof that you completed these Modules, you will not be granted a refund. All refund requests are considered on a case-by-case basis and are in the Company’s sole and absolute discretion. After the (14) days refund period, all payments will be considered non-refundable and you are responsible for the full payment of the fees for the Program. Upon determining that you are entitled to a refund pursuant to the terms described, the Company will promptly issue an instruction to its payment processor to issue the refund. The Company does not control its payment processor and will not be able to expedite any refunds. All licenses regarding the Content (Rule Your Finances™ Academy) will immediately terminate upon the Company’s granting of a refund. You shall immediately cease using the Content and shall destroy all copies of the information provided to you, including without limitation: video recordings, audio recordings, workbooks, forms, templates, worksheets, slide shows, social media groups limited to the Program, and other resources. In all other cases, because of the extensive preparation and time that goes into creating and providing the Program we have a no refund policy. Unless otherwise provided by law, you acknowledge that we do not offer refunds for any portion of your payment for any portion of our Program and no refunds will be provided to you at any time. By using and/or purchasing our Program, you understand and agree that all sales are final, and no refunds will be provided. The Company reserves the right, in its sole discretion, to determine how to discipline a participant who violates these conditions. Since we have a clear and explicit Refund Policy in these Terms & Conditions, which you have agreed to prior to completing the purchase of the Program, we do not tolerate or accept any type of chargeback threat or actual chargeback from your credit card company or payment processor. If a chargeback is placed on a purchase or we receive a chargeback threat during or after your purchases, we reserve the right to report the incident to all three credit reporting agencies or to any other entity for inclusion in any chargeback database or for listing as a delinquent account, which could have a negative impact on your credit report score. The information reported will include your name, email address, order date, order amount, and billing address. Chargeback abusers wishing to be removed from the database shall make the payment for the amount of the chargeback.

Delivery policy:

Products bought are available at https://wearyourmoneycrown.mykajabi.com. Videos are viewable by logging into your account at https://wearyourmoneycrown.mykajabi.com/login.

Ownership of the Content:

The words, videos, voice and sound recordings, training materials, group coaching calls, masterclasses, design, layout, graphics, photos, images, information, materials, documents, data, databases and all other information and intellectual property accessible on or through the Company website, any third-party website the Company may use to distribute or host the Program, and contained in e-mails sent to you by the Company, as well as the look and feel of all of the foregoing (“the Content”) is property of the Company and/or our affiliates or licensors, unless otherwise noted, and it is protected by copyright, trademark, and other intellectual property laws. Recordings of MasterClasses, coaching calls, and other events will be recorded and used at the sole discretion of the Company. This means you give the Company permission to use any material captured by the Company during your participation in the Program, including images in which your face and/or name may be visible.

Access to the Program Content:

Upon enrolling in the Program, you will gain access to content from the date of your enrollment forward. Your membership does not include access to all Content that has ever been shared with other participants. Company makes no guarantee that it will maintain recordings of coaching calls or other Content for any particular time period. While your membership is active, the Content to which you have access may be available to download. When your membership has been terminated, you will not have any access to the website or any Content posted thereafter. If you view, purchase or access the Program or any of the Content, you will be considered our Licensee. For the avoidance of doubt, you are granted a revocable, non-exclusive, non-transferable license for personal, non-commercial use only, limited to you only. This means you may view, download, print, email and use one copy of individual pages of the Program and Content for your own personal purposes or your own business only. You are granted lifetime access to the Program, for the life of the Program only. This means you will have access to the Program and Content, provided your account is in good standing, for as long as BoricuaCats® Ltd continues to host and provide access to the Program and Content you have purchased. You may not republish, reproduce, duplicate, copy, sell, display, disclose, distribute to friends, family, or any other third party, or otherwise use any material from the Program or Content for commercial purposes or in any way that earns you or any third-party money (other than by applying them generally in your own business). By downloading, printing, or otherwise using the Program or Content for personal use you in no way assume any ownership rights of the Content – it is still Company property. Any unauthorized use of any materials found in the Program or Content shall constitute infringement. You must receive our written permission before using any of the Program or Content for your own commercial use or before sharing with others.The trademarks and logos displayed on the Program or Content are trademarks belonging to the Company, unless otherwise indicated. Any use including framing, metatags or other text utilizing these trademarks, or other trademarks displayed, is strictly prohibited without our written permission. All rights not expressly granted in these T&C’s or any express written license, are reserved by us.

Coaching Calls and Q&A’s:

As part of the 9 Live Coaching Calls and Q&A sessions offered, there is an element of Coaching involved. As you are aware, the Coaching relationship is not to be construed as including the giving of financial advice and/or any kind of advice including medical, mental, or other qualified professional help and you agree to seek professional guidance for such matters, should they arise. Your attention is drawn to our DISCLAIMER on our website. Calls will be recorded and distributed to participants.

Online Community and/or Forums:

As part of the Rule Your Finances™ Academy, you will be invited to join a private community on facebook.com during the length of the Program. The Community is designed to be private, respectful, and judgement-free. By joining the community, you agree to abide by its rules (outlined when you join). The Company, in its discretion, may delete or modify, in whole or part, any post, comment or submission to the Company’s and any third-party forums operated by the Company. The Company does not, however, have any obligation to monitor posts, comments, or material submitted by third parties. The Company neither endorses nor makes any representations as to the truthfulness or validity of any third-party posts, comments, or material on the Company website or any third-party forums operated by the Company. The Company shall not be responsible or liable for any loss or damage caused by third-party posts, comments, or materials on the Company website and any third- party forums operated by the Company.

Access to Program:

To access certain features of the Program, including any private membership areas, you may need a username and password. It is your responsibility to inform the Company before the Program start date if you do not receive an email containing your password to access the Program. You agree to keep your username and password confidential. During the registration process for any service or product, you agree to provide true, accurate, current and complete information about yourself. If the Company has reasonable grounds to suspect that you have provided false information, shared your username and password with anyone else, or forwarded any non-public material from the Program to any other person, the Company has the right to suspend or terminate your account and refuse any and all current or future use of the Program or any Content, in whole or part, without refund. Any personally identifiable information you provide as part of the registration process is governed by the Terms & Conditions of the Company’s website Privacy Policy.

Confidentiality:

The Company is not legally bound to keep your information confidential. Nevertheless, the Company agrees to keep all information about your membership confidential except for use in testimonials or marketing, or when disclosure is required by law, for example if a court issues a subpoena for the file or information, or if you threaten to harm yourself or others.You acknowledge that your communications with the Company are not covered by any type of privileges.Confidential information does not include information that: was in the Company’s possession prior to your participation in the Program; is generally known to the public or the industry; was obtained by the Company from a third-party, without breach of any obligation to you; is or was developed independently by Company without use of or reference to your confidential information; or the Company may be required by law to disclose. As a reminder, you may use a screen name or pseudonym instead of your actual name, or remain anonymous, for your participation in group coaching sessions and public posts on the Company website and in third- party forums operated by the Company. You agree that the Company shall not be liable for the disclosure of any of your information by another Program participant. You agree to keep all information you learn about other Program participants, their businesses (including their intellectual property), or clients (as applicable), strictly confidential except in very rare circumstances where disclosure is required by law. You agree you will not share any recorded coaching calls or third-party forum postings outside the private participant areas of the Company’s website, or any third-party forums operated by the Company. If the Company discovers you have done so, this will be grounds for immediate termination of your access to the Program and Content.

Privacy:

We at Wear Your Money Crown® (BoricuaCats® Ltd. t/a Wear Your Money Crown™) “Company,” “we,” or “us”) respect your privacy. Please refer to our Privacy Policy on our website for further details.

Termination or Cancellation:

The Company reserves the right in its sole discretion to refuse or terminate your access to the Program and Content, in full or in part, at any time without notice. The Company may terminate your participation in the Program at any time, without refund, if you breach any part of these Terms & Conditions. In the event of cancellation or termination, you are no longer authorized to access the part of the Program or Content affected by such cancellation or termination.The restrictions imposed on you in these Terms & Conditions with respect to the Program and its Content will still apply now and in the future, even after termination by you or the Company . Unless you meet the requirements laid out in the Refunds Section, you will not be entitled to any refund and any remaining, default, or late payments will be due immediately. Upon cancellation your access to the Program and Content will be terminated immediately.

Limitation of liability:

You agree to absolve the company of any and all liability or loss that you or any person or entity associated with you may suffer or incur as a result of use of the information contained on this Website, Program and/or other resources we may provide.You agree that the company shall not be liable to you for any type of damages, including direct, indirect, special, incidental, equitable, or consequential loss or damages for use of our material.To the maximum event permitted by applicable law, in no event shall the Company and/or guest experts or panelists in the Program be liable for any direct, indirect, punitive, incidental, special, consequential damages or any damages whatsoever including, without limitation, damages for loss of use, data or profits, arising out of or in any way connected with the use or performance of the Website, Program, or Materials provided.
Accordingly, if you use the Products for any commercial, business or re-sale purpose we will have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity. Any content, guidance or advice (either in written or oral form) contained within the Products is not intended to be, and nor should it be construed as being, financial advice. Any examples provided in the Products are solely for purposes of illustration. Any information contained in the Products is not a substitute for professional advice from a suitably qualified adviser aware of your personal circumstances and situation and we recommend that you consult with such an adviser before making (or refraining from making) any financial decisions. We do not provide financial advice and you are responsible for any decisions you make (or refrain from making). We will not be responsible for any delay or failure to comply with our obligations if the delay or failure arises from any cause which is beyond our reasonable control (“Force Majeure Event”). This does not affect your statutory rights. If a Force Majeure Event takes place that affects the performance of our obligations: a) we will contact you as soon as reasonably possible; and b) our obligations under these terms of sale will be suspended and the time for performance will be extended for the duration of the Force Majeure Event. Nothing in these terms of sale is intended to exclude or limit in any way our liability for any matter for which it would be illegal for us to exclude or to attempt to exclude or liability including:

(a) death or personal injury caused by our negligence;
(b) fraud or fraudulent misrepresentation;
(c) breach of your legal rights; and
(d) defective products under the Consumer Protection Act 1987.

Third Party Websites & Services:

Our Website may contain links to third party websites and services. If you decide to visit any third party website or use a third party service, or purchase Products from that third party, you do so at your own risk. It is your responsibility to satisfy yourself as to the reputation of such third parties and the services they offer. We are not responsible for the content, accuracy or opinions expressed on third party websites or services. Links that we make available do not imply that we are, or our Website is, affiliated to or associated with such websites or services. Your browsing and interaction on any other website or your use of other services, including websites and services which have a link to or from our Website, is subject to that operator’s own rules and policies. In particular, third party websites will process your personal information in accordance with their own privacy notices. Please read all applicable third party policies and terms and conditions before proceeding.

No Guarantee:

You agree that the Company has not made any guarantees about the results of taking any action, whether recommended on this Website and/or Program or not. The Company provides educational and informational resources only. We do not provide financial advice.The content and materials provided by the Company and/or the Program should not be construed in any form to be legal, tax, investment, financial, or other advice. The information is not a substitute for professional advice from a suitably qualified adviser aware of your personal circumstances and situation and we would recommend that you consult with such an adviser before taking financial decisions. You recognize that your ultimate success or failure in this Program, will be the result of your own efforts, your particular situation, and innumerable other circumstances beyond the control and/or knowledge of the Company.You also recognize that prior results do not guarantee a similar outcome and that there are risks associated with investing in securities and/or assets. Investing in stocks, bonds, exchange traded funds,real estate, and money market funds involves risk of loss. An investor may get back less than the amount invested.Some high risk investments may use leverage, which will accentuate gains and losses. Foreign investing involves special risks, including a greater volatility and political, economic, and currency risks and differences in account methods. Information on past performance, where given, is not necessarily a guide to future performance. Thus, the results obtained by others – whether clients or customers of the Company or otherwise – applying the principles set out in this Website and/or Program - are no guarantee that you or any other person or entity will be able to obtain similar results.

Errors & Omissions:

This World Wide Web Site is a public resource of general information that is intended, but not promised or guaranteed, to be correct, complete, and up-to-date. We have taken reasonable steps to ensure that the information contained in this Website is accurate, but we cannot represent that this Website is free of errors. You accept that the information contained on this Website may be erroneous and agree to conduct due diligence to verify any information obtained from this Website and/or resources available on it prior to taking any action. You expressly agree not to rely upon any information contained in this website.

Other important terms:

Any contract between you and us is binding on you and us and on our respective successors and assigns. You may not transfer, assign or otherwise dispose of any part or all of this contract. We may transfer, assign, charge, sub-contract and/or otherwise dispose of part or all of a contract at any time. Each of the sections of these terms operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect. If we do not insist immediately that you do anything you are required to do under these terms of sale, or if we delay in taking steps against you in respect of your breach of contract, that will not mean that you do not have to do those things and it will not prevent us taking steps against you at a later date. For example, if you miss a payment and we do not chase you but we continue to provide the Products, we can still require you to make the payment at a later date. We have the right to amend these terms of sale (T&C’s) from time to time. However, each contract will be subject to the terms of sale that were in force at the time of your order, except to the extent that any change is required by law, regulation or governmental body (whether before or after we give you a Confirmation), or we notify you of any changes to these terms of sale before we give you a Confirmation. These terms of sale (T&C’s) shall be governed by and construed in accordance with English Law and shall be subject to the exclusive jurisdiction of the English courts.

Enquiries and Complaints:

If you have a complaint relating to these terms of sale or a Product, please contact us via email at [email protected] or write to us at BoricuaCats® Ltd 22 Notting Hill Gate, Unit 327, London W11 3JE. We will try to answer your enquiry or resolve any complaint as soon as possible.

No Endorsements:

From time to time, the Company will refer to other products, financial sources, services, coaches, consultants, and/or experts. Any such reference is not intended as an endorsement or statement that the information provided by the other party is accurate. The Company provides this information as a reference for users. It is your responsibility to conduct your own investigation and make your own determination about any such product, service, coach, consultant, and/or expert.

Testimonials:

At various places on this Website, you may find testimonials from clients and customers of the products and services offered on this Website or by the Company. The testimonials are actual statements made by clients and/or customers and have been truthfully conveyed on this Website.

Earnings Disclaimer:

Every effort has been made to accurately represent our programs and the educational value they provide. However, there is no guarantee that you will earn any money using the techniques and ideas in these materials. Your results will be determined by a number of factors over which we have no control, such as your financial condition, experiences, skills, level of effort, education, and changes within the financial markets. Running an online business carries risks, and your use of any information contained on this website is at your own risk. Subject to our Refund Policy, we provide content without any express or implied warranties. By continuing to use our site and access our content, you agree that we are not responsible for any decision you may make regarding any information presented or as a result of purchasing any of our products or services.

Testimonials:

Although these testimonials are truthful statements about results obtained by these clients and/or customers, the results obtained by these clients and/or customers are not necessarily typical. You specifically recognize and agree that the testimonials are not a guarantee of results that you or anyone else will obtain by using any products or services offered on this Website or by the Company.

BoricuaCats® Ltd reserves all other rights.

BoricuaCats® Ltd provides no guarantee of availability of the web server or hosting of the Products. BoricuaCats® Ltd will make commercially reasonable efforts to provide availability. In the event of continued unavailability, BoricuaCats® Ltd will make commercially reasonable efforts to make the Products available to download locally.
BoricuaCats® Ltd reserves the right to vary these terms from time to time. If you choose not to accept updated terms, access to the service will be revoked. For any customer enquiries, please email [email protected].