TERMS OF SERVICE
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.
You agree to be bound by these Terms by accessing or using the Service. 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 Subscription (installment or monthly) fees must be paid in full per the program agreement, 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.
We reserve the right to refuse or cancel your order for reasons including but not limited to product or service availability, errors in the description or price of the product or Service, error in your order, or other reasons.
We reserve the right to refuse or cancel your order if suspected fraud or an unauthorized or illegal transaction.
The services provided, including but not limited to Navigation (Coaching and Planning), Care (Accountability and Support), and Academy (Ramsey+ Membership or Ramsey Solutions 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 in reaching 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.
The Service and its original content, features, and functionality are the exclusive property of WayPoints Financial Services, LLC, and its licensors. The Service is protected by copyright, trademark, and other laws of 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 any third-party websites or services’ terms and conditions and privacy policies.
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 which by their nature 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 licensors do not sell 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 professional.
This informs you of our policies regarding collecting, using, and disclosing personal data when you use our Service and the choices you have associated with that data.
We use your data to provide and improve the Service. By using the Service, you agree to the collection and use of information in accordance with this policy.
Service is the https://waypointsfinancialservices.com/ website operated by WayPoints Financial Services, LLC.
Personal Data means data about a living individual who can be identified from those data (or from those and other information either in our possession or likely to come into our possession).
Usage Data is data collected automatically, either generated by the Service or from the Service infrastructure itself (for example, the duration of a page visit).
Cookies are small files stored on your device (computer or mobile device).
Information Collection and Use
We collect several different types of information to provide and improve our Service.
Types of Data Collected
While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you (“Personal Data”). Personally identifiable information may include, but is not limited to:
First name and last name
Address, City, State, County, Province, Country, and ZIP/Postal code
Cookies and Usage Data
We may also collect information on how the Service is accessed and used (“Usage Data”). This Usage Data may include information such as your computer’s Internet Protocol address (e.g., IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.
Tracking & Cookies Data
Cookies are files with a small amount of data, including a unique anonymous identifier. Cookies are sent to your browser from a website and stored on your device. Other tracking technologies, such as beacons, tags, and scripts, are also used to collect and track information and improve and analyze our Service.
You can instruct your browser to refuse all cookies or indicate when a cookie is being sent. However, if you do not accept cookies, you may be unable to use some portions of our Service.
Examples of Cookies we use:
Session Cookies. We use Session Cookies to operate our Service.
Preference Cookies. We use Preference Cookies to remember your preferences and various settings.
Security Cookies. We use Security Cookies for security purposes.
Use of Data
WayPoints Financial Services, LLC uses the collected data for various purposes:
To provide and maintain our Service
To notify you about changes to our Service
To allow you to participate in interactive features of our Service when you choose to do so
To provide customer support
To gather analysis or valuable information so that we can improve our Service.
To monitor the usage of our Service
To detect, prevent and address technical issues
Transfer of Data
Your information, including Personal Data, may be transferred to — and maintained on — computers outside your state, province, country, or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction.
If you are located outside the United States and choose to provide information to us, please note that we transfer the data, including Personal Data, to the United States and process it there.
Disclosure of Data
WayPoints Financial Services, LLC may disclose your Personal Data in the good faith belief that such action is necessary to:
To comply with a legal obligation
To protect and defend the rights or property of WayPoints Financial Services, LLC
To prevent or investigate possible wrongdoing in connection with the Service
To protect the personal safety of users of the Service or the public
To protect against legal liability
Security of Data
The security of your data is important to us, but remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.
We may employ third-party companies and individuals to facilitate our Service (“Service Providers”), provide the Service on our behalf, perform Service-related services, or assist us in analyzing how our Service is used.
These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.
We may provide paid products and services within the Service. In that case, we use third-party services for payment processing (e.g., payment processors).
The payment processor we work with is Stripe.
Links to Other Sites
We have no control over and assume no responsibility for third-party sites or services’ content, privacy policies, or practices.
Our Service does not address anyone under the age of 18 (“Children”).
We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and know that your Child has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers.
Some jurisdictions do not allow the exclusion of certain warranties or the exclusion or limitation of liability for consequential or incidental damages, so the limitations above may not apply to you.
These Terms shall be governed and construed in accordance with the laws of Pennsylvania, United States, without regard to its conflict of law provisions.
Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service and supersede and replace any prior agreements we might have had between us regarding the Service.
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days’ notice before any new terms take effect. What constitutes a material change will be determined at our sole discretion.
By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised terms. If you disagree with the new terms, you are no longer authorized to use the Service.
Updated: May 17, 2023