1. Agreement to Terms

By accessing or using fsfg-business.com (the "Platform"), you agree to be bound by these Terms of Service. If you do not agree, do not use the Platform. These Terms constitute a legally binding agreement between you and Fresh Start Business Consulting LLC ("Fresh Start," "we," "us," or "our"), a Florida limited liability company.

2. Description of Services

Fresh Start Financial Club is a membership-based financial empowerment education platform. For a membership fee, members receive access to:

Financial literacy education across 10 domains (personal credit building, business credit, home buying, car buying, business structuring, financial literacy, tax obstacles, funding, consumer rights, and wealth architecture)
Step-by-step checklists, tools, and educational resources
Credit score tracker, debt payoff planner, and utilization tracker
Weekly group coaching sessions and private member community
Access to Amparo AI legal database for educational research purposes
Access to Amparo AI legal database for educational research purposes
VIP access to partner services at member-only pricing

3. Important Disclaimers

We are NOT financial advisors, attorneys, CPAs, or credit counseling agencies. All information, tools, and content on this platform are provided for educational purposes only, based on publicly available federal and state law and personal experience. We do not provide personalized financial, legal, or tax advice.

Results vary based on individual circumstances. No specific credit score outcomes, financial results, or debt resolution outcomes are guaranteed. Any testimonials or examples shown represent individual results and should not be considered typical.

4. Membership and Payment

Membership is $2,500 per year. Payment is processed securely through Stripe. By purchasing a membership, you authorize us to charge your payment method for the membership fee.

Your membership begins on the date of purchase and remains active for one year. Memberships do not auto-renew unless you explicitly opt in to auto-renewal.

5. Cancellation and Refund Policy

You may cancel your membership at any time by emailing [email protected] or through your member settings page. Upon cancellation:

Your access continues until the end of your current paid membership period
No partial refunds are issued for unused portions of the membership period
Access to premium tools and coaching ends when your membership ends
Your progress data (completed steps, scores, XP) is retained for 12 months in case you return

If you are dissatisfied within the first 14 days of your membership and have not used the platform beyond initial login, you may request a full refund by emailing [email protected].

6. Eligibility

You must be at least 18 years old to use this Platform. By creating an account, you represent that you are at least 18 years of age and have the legal capacity to enter into this agreement.

7. Account Responsibilities

You are responsible for maintaining the confidentiality of your account credentials. You agree not to share your login information with others. Each membership is for a single individual. You agree to provide accurate and current information when creating your account.

8. User Conduct

You agree not to:

Use the Platform for any unlawful purpose
Share, redistribute, or resell any content from the Platform
Attempt to access other members' accounts or data
Post harmful, abusive, or misleading content in the community
Use automated tools to scrape or extract content from the Platform

9. Intellectual Property

All content on the Platform — including educational materials, checklists, tools, design, and code — is owned by Fresh Start Financial Group and its licensors. Your membership grants you a personal, non-transferable license to access and use the content for your own educational purposes. You may not copy, distribute, or create derivative works from our content without written permission.

10. Third-Party Services

The Platform integrates with third-party services including Stripe (payments), Postmark (email), and Amparo AI (legal database). Your use of these services is governed by their respective terms. We are not responsible for the availability, accuracy, or content provided by third-party services.

Partner services (credit monitoring, loan modification consulting) are provided by separate entities with their own contracts, terms, and licensing. Fresh Start Financial Group does not guarantee the quality or results of partner services.

11. Limitation of Liability

To the maximum extent permitted by law, Fresh Start Financial Group and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Platform, including but not limited to loss of profits, data, or financial losses.

Our total liability for any claim arising from these Terms or your use of the Platform shall not exceed the amount you paid for your membership in the 12 months preceding the claim.

12. Disclaimer of Warranties

The Platform is provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that the Platform will be uninterrupted, error-free, or that any content is accurate, complete, or current.

13. Governing Law

These Terms are governed by the laws of the State of Florida, without regard to conflict of law principles. Any disputes arising from these Terms shall be resolved through binding arbitration in the State of Florida, in accordance with the rules of the American Arbitration Association.

14. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify members of material changes via email at least 30 days before the changes take effect. Your continued use of the Platform after changes take effect constitutes acceptance of the updated Terms.

15. Contact Information

For questions about these Terms, contact us at:

Fresh Start Business Consulting LLC
Email: [email protected]
Phone: See contact page for current phone number
Website: fsfg-business.com