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Terms & Conditions

Last Updated: October 2025

1. Interpretation and Definitions

Interpretation
The words with initial capital letters have meanings defined under the following conditions. The following definitions apply whether they appear in singular or plural form.

Definitions
For the purposes of these Terms and Conditions:

  • Company (referred to as either “the Company,” “FWA,” “We,” “Us,” or “Our”) refers to Financial Wellness Academy, 888 SE 3rd Ave, Suite 502, Fort Lauderdale, FL 33316.
  • Country refers to the United States of America.
  • Service or Site refers to the Financial Wellness Academy website (financialwellnessacademy.net) and any related services or programs offered.
  • Device means any device capable of accessing the Site, such as a computer, tablet, or smartphone.
  • Goods or Services refer to educational programs, courses, consulting sessions, or other offerings made available by FWA through the Site.
  • Order means a registration or payment made by You to purchase Goods or Services from FWA.
  • Terms and Conditions (also referred to as “Terms”) mean these Terms and Conditions that form the entire agreement between You and FWA.
  • You means the individual accessing or using the Site, or the company or other legal entity on behalf of which such individual is accessing or using the Site, as applicable.

2. Acknowledgment

These Terms and Conditions govern Your use of this Site and participation in any programs or services offered by FWA. Your access to and use of the Site is conditioned upon Your acceptance of these Terms and Our Privacy Policy (available at https://financialwellnessacademy.net/privacy-policy/). By using the Site or registering for a program, You agree to be bound by these Terms.

You represent that You are at least 18 years of age. FWA does not permit individuals under 18 to register for or attend programs.

3. Placing Orders and Registration

By registering for a program through the Site, You warrant that You are legally capable of entering into binding contracts.

When submitting registration information, You agree to provide true, accurate, and complete details, including Your name, email, phone number, and payment information. You also agree that You have the legal right to use any credit card or payment method used in connection with Your registration.

4. Payment Terms

The total cost, payment structure, and due dates for each program or service are clearly displayed at the time of registration and confirmed by email after purchase.

All payments are processed securely through a third-party payment processor. By submitting payment, You authorize FWA to process Your Order and agree to these Terms.

5. Refunds and Cancellations

All payments made to FWA are non-refundable.

However, if You cancel prior to the start of Your scheduled program, the registration fee may be applied as a credit toward a future Financial Mastery Program or redeemed for a one-time, 60-minute consulting session with Patty Mason.

Course fees are non-transferable and non-refundable once paid. FWA reserves the right to reschedule or cancel classes in the event of unforeseen circumstances. In such cases, FWA will offer reasonable alternatives such as makeup sessions or transfer to a future class.

6. Availability and Accuracy

FWA continuously updates its course and service offerings. While we strive for accuracy, materials and pricing may occasionally contain errors or omissions. FWA reserves the right to correct any errors, modify programs, or update information without prior notice.

7. Intellectual Property and Content Ownership

All materials provided through the Site or during any Financial Wellness Academy program—including but not limited to videos, presentations, PDFs, text, images, graphics, and logos—are the exclusive property of FWA and are protected by U.S. and international intellectual property laws.

Enrollment in a program grants You a limited, personal, non-transferable license to access and use materials solely for personal educational purposes. You may not reproduce, record, distribute, modify, publish, or create derivative works based on any materials without written permission from FWA.

Unauthorized use or distribution of FWA materials may result in immediate termination of access and potential legal action.

8. Testimonials, Media, and Recordings

By participating in any Financial Wellness Academy program, You acknowledge that classes or sessions may be recorded for educational, archival, or promotional purposes.

You grant FWA permission to record, photograph, and use Your likeness, voice, and statements for promotional and educational purposes, in any format and media now known or later developed, without compensation.

If You prefer not to be recorded or have Your image used, You must notify FWA in writing by mail prior to the start of the program at the address provided in the “Contact Us” section. Requests received by email will not be considered valid notice.

FWA retains ownership of all recordings, photos, and related materials.

9. Disclaimer of Professional Advice

The information provided through FWA programs, materials, and communications is intended for general educational and informational purposes only. While FWA and its instructors may include licensed professionals such as financial advisors, accountants, or attorneys, participation in any program does not create a professional-client relationship with FWA or its instructors.

Any examples, strategies, or discussions presented are illustrative and should not be interpreted as individualized financial, investment, legal, or tax advice. Participants are encouraged to seek independent professional guidance before making decisions based on the information provided.

10. Code of Conduct and Non-Disparagement

FWA is committed to maintaining a respectful and supportive learning environment. Participants agree to:

  • Treat instructors and fellow participants with respect and professionalism;
  • Refrain from disruptive, discriminatory, or harassing behavior; and
  • Avoid making public or defamatory statements about FWA, its staff, or its participants.

FWA reserves the right to remove any participant who violates this policy without refund.

11. Force Majeure

FWA shall not be liable for any delay, cancellation, or failure to perform resulting from circumstances beyond its reasonable control, including but not limited to natural disasters, hurricanes, power outages, illness, government actions, or other emergencies. In such cases, FWA will make reasonable efforts to reschedule or provide alternate arrangements.

12. Limitation of Liability

To the maximum extent permitted by law, FWA and its affiliates shall not be liable for any indirect, incidental, or consequential damages arising from the use of the Site or participation in any program.

FWA’s total liability for any claim shall not exceed the total amount actually paid by You to FWA for the specific program or service giving rise to the claim.

13. “As Is” and “As Available” Disclaimer

All programs, materials, and the Site are provided “as is” without warranties of any kind, either express or implied. FWA does not guarantee that the Site or materials will be uninterrupted or error-free.

14. Governing Law

These Terms are governed by the laws of the State of Florida, United States, without regard to conflict of law provisions.

15. Dispute Resolution

If You have any concern or dispute, You agree to first attempt to resolve it informally by contacting FWA at disputes@financialwellnessacademy.net.

16. Severability and Waiver

If any provision of these Terms is found unenforceable, the remaining provisions shall continue in full force and effect. The failure of FWA to enforce any right shall not be considered a waiver of those rights.

17. Changes to These Terms

FWA may modify these Terms at any time. Updates will be posted on the Site with a revised “Last Updated” date. Continued use of the Site or participation in programs after any changes indicates Your acceptance of the new Terms.

18. Contact Us

If You have any questions about these Terms and Conditions, You may contact us:

By email: disputes@financialwellnessacademy.net
By mail: Financial Wellness Academy, 888 SE 3rd Ave, Suite 502, Fort Lauderdale, FL 33316