Terms and Conditions

Please read these Terms and Conditions (“Terms,” “Terms and Conditions”) carefully before using the https://waypointsfinancialservices.com/ website (the “Service”) operated by WayPoints Financial Services, LLC (“us,” “we,” or “our”).

Your access to and use of the Service is conditioned upon your acceptance of and compliance with these Terms.  These Terms apply to all visitors, users, and others who wish to access or use the Service.

By accessing or using the Service, you agree to be bound by these Terms.  If you disagree with any part of the terms, you do not have permission to access the Service.

Purchases and Payments

All payments are final and non-refundable.

One-time or installment payments and fees must be paid in full per the service plan, program, or membership purchased, even if the client discontinues the services.

If you wish to purchase any product or Service made available through the Service (“Purchase”), you will be asked to supply certain information relevant to your Purchase, including, without limitation, your credit card number, the expiration date of your credit card, your billing address, and your shipping information.

You represent and warrant that (i) you have the legal right to use any credit card(s) or other payment methods in connection with any Purchase and that (ii) the information you supply to us is accurate, correct, and complete.

The Service may employ third-party services to facilitate payment and the completion of Purchases.  By submitting your information, you grant us the right to provide it to these third parties, subject to our Privacy Policy.

We reserve the right to refuse or cancel your order at any time for reasons including but not limited to Product or service availability, errors in the description or price of the product or Service, errors in your order, or other reasons.

We reserve the right to refuse or cancel your order if fraud or an unauthorized or illegal transaction is suspected.


The services provided, including but not limited to Navigation (Coaching and Planning), Care (Accountability and Support), and Academy (Ramsey+ Membership or Ramsey Apps), are defined by the individual WayPoints Program that the client has purchased and agreed upon.

All scheduled meetings should be completed timely.  Navigation and Planning meetings should be completed within 60 days from the program purchase date, and Care (Accountability and Support) monthly meetings should be conducted every 30 days.  Care Meetings do not expire.  However, we encourage clients to Stay on Course and consistently meet with their Financial Navigator (Coach) to continue progressing toward their goals.

All meeting cancellations must be made 24 Hours in advance and are subject to a $125 cancellation fee at the discretion of WayPoints Financial Services.

Intellectual Property

The Service and its original content, features, and functionality remain the exclusive property of WayPoints Financial Services, LLC and its licensors.  The Service is protected by copyright, trademark, and other laws in the United States and foreign countries.  Our trademarks and trade dress may not be used in connection with any product or Service without the prior written consent of WayPoints Financial Services, LLC.

Links To Other Web Sites

Our Service may contain links to third-party websites or services not owned or controlled by WayPoints Financial Services, LLC.

WayPoints Financial Services, LLC has no control over and assumes no responsibility for third-party websites or services’ content, privacy policies, or practices.  We do not warrant the offerings of any of these entities/individuals or their websites.

You acknowledge and agree that WayPoints Financial Services, LLC shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such third party websites or services.

We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services you visit.


We may terminate or suspend your access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms.

All provisions of the Terms that should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.


You agree to defend, indemnify, and hold harmless WayPoints Financial Services, LLC and its licensee and licensors, and their employees, contractors, agents, officers, and directors, from and against any claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney’s fees), resulting from or arising out of a) your use and access of the Service, or b) a breach of these Terms.

Limitation Of Liability

In no event shall WayPoints Financial Services, LLC, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Service; (ii) any conduct or content of any third party on the Service; (iii) any content obtained from the Service; and (iv) unauthorized access, use or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence) or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.


Your use of the Service is at your sole risk.  The Service is provided on an “AS IS” and “AS AVAILABLE” basis.  The Service is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement, or course of performance.

WayPoints Financial Services, LLC, its subsidiaries, affiliates, and its licensors do not warrant that a) the Service will function uninterrupted, secure, or available at any particular time or location; b) any errors or defects will be corrected; c) the Service is free of viruses or other harmful components, or d) the results of using the Service will meet your requirements.

WayPoints Financial Services, LLC, its subsidiaries, affiliates, and its licensors do not sell financial products, investments, insurance, or other financial instruments.  In addition, we do not endorse or are paid to endorse any financial service providers.  Financial Navigation (Coaching) is designed to give accurate and authoritative information regarding the subject matter.  All services are provided with the understanding that the WayPoints Financial Navigator (Coach) is not engaged in rendering legal, accounting, investment, or other licensed professional advice.  Since your situation is fact-dependent, if needed, you must additionally seek the services of an appropriately licensed legal, accounting, investment, or other professionals.

Updated: 2024-03-07

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DISCLAIMER:  We do not sell any financial products, investments, instruments or endorse any financial service providers.  Financial Navigation (Coaching) is designed to give you accurate and authoritative information with specific regard to the subject matter covered. It is provided with the understanding that the WayPoints Financial Navigator is not engaged in rendering legal, accounting, investment or other licensed professional advice.  Since your situation is fact-dependent, if needed, you must additionally seek the services of an appropriately licensed legal, accounting, investment or other professional.

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