Terms & Conditions

Effective Date: 6/1/26
Business Name: F3-PoM (Financial Forecasting for Peace of Mind)

1. Acceptance of Terms

By accessing this website or purchasing any services from F3-PoM (“Company,” “we,” “our,” or “us”), you agree to be bound by these Terms & Conditions. If you do not agree, please do not use our website or services.

2. Description of Services

F3-PoM provides personal financial forecasting and coaching services, which may include:

Customized financial projections and models
Budget planning and cash flow analysis
Scenario planning and financial strategy discussions
General financial education and guidance

All services are provided for informational and educational purposes only and are not intended to constitute financial, legal, tax, or investment advice.

3. No Professional Advice

You acknowledge that:

We are not acting as a licensed financial advisor, CPA, attorney, or fiduciary unless explicitly stated in writing.
Any information provided should not be relied upon as a substitute for professional advice.
You are solely responsible for your financial decisions.

We strongly recommend consulting a licensed professional before making financial, legal, or investment decisions.

4. Client Responsibilities

By using our services, you agree to:

Provide accurate, complete, and timely financial information
Review all materials provided and ask questions as needed
Take full responsibility for decisions made based on our services
Use the information provided for lawful purposes only

Failure to provide accurate information may impact the quality and usefulness of your financial forecast.

5. Payment & Pricing

All pricing is listed on the website or agreed upon prior to service delivery
Payment is due in full unless otherwise stated
Services may be non-refundable once work has begun - refund policy available here.

We reserve the right to change pricing at any time.

6. No Guarantees

We do not guarantee:

Financial outcomes
Investment performance
Debt reduction results
Future financial stability

Financial forecasting is based on assumptions and projections, which may change due to unforeseen circumstances.

7. Limitation of Liability

To the fullest extent permitted by law:

F3-PoM’s total liability for any claim arising out of or related to our services shall not exceed $40.

We shall not be liable for:

Any indirect, incidental, or consequential damages
Loss of income, profits, or financial opportunities
Decisions made based on our forecasts or guidance

8. Assumption of Risk

You understand that:

Financial decisions involve risk
Forecasts are estimates, not guarantees
Market conditions, personal circumstances, and external factors can change outcomes

You assume full responsibility for any results.

All materials provided, including:

Financial models
Templates
Reports
Website content

are the property of F3-PoM and may not be copied, distributed, or resold without written permission.

9. Intellectual Property

We respect your privacy and will not share your personal financial information except:

As required by law
With your explicit permission

However, you acknowledge that no digital transmission is 100% secure.

10. Confidentiality

11. Termination of Services

We reserve the right to:

Refuse or terminate service at any time
Cancel services due to misuse, abuse, or violation of these terms

You may also discontinue services at any time, subject to our refund policy.

Our website may reference third-party tools or resources. We are not responsible for:

Their accuracy
Their content
Any outcomes resulting from their use

12. Third-Party Links & Tools

We may update these Terms & Conditions at any time. Continued use of the website or services constitutes acceptance of any changes.

13. Changes to Terms

14. Governing Law

These Terms shall be governed by the laws of the State of Indiana, without regard to conflict of law principles.

15. Contact Information

If you have questions about these Terms & Conditions, please contact:

F3-PoM
planning@f3pom.com
www.f3pom.com

By using this website or purchasing services, you acknowledge that you have read, understood, and agree to these Terms & Conditions.