Terms of Service

Last Updated: September 14, 2026

Welcome to LEVEL UP MY FINANCES (“LEVEL UP MY FINANCES,” “we,” “us,” or “our”). These Terms of Service (“Terms”) govern your access to and use of our website, educational programs, consultations, digital tools, and materials (collectively, the “Services”).

By accessing our website or enrolling in our programs, you agree to be bound by these Terms. If you do not agree to all of these Terms, do not use our Services.

SMS Messaging Terms & Compliance

1. Program Description:

This messaging program sends appointment confirmations, scheduling reminders, rescheduling updates, and customer support communications to clients who interact with LEVEL UP MY FINANCES. Explicit SMS opt-in consent is collected exclusively through our interactive website chat widget prior to messaging initiation. While booking forms and scheduling calendars (such as Calendly) collect client contact details (including name, email, and phone number) for appointment management, completing a booking alone does not constitute SMS marketing consent unless explicit consent has been provided via our chat widget interface.

2. Cancellation Instructions

You can cancel the SMS service at any time. Simply text STOP to the same number that sent you messages. Upon sending STOP, we will confirm your unsubscribe status via SMS. Following this confirmation, you will no longer receive SMS messages from us. To rejoin, submit your request through our website chat widget as you did initially, and we will resume sending SMS messages to you.

3. Support Information

If you experience issues with the messaging program, reply with the keyword HELP for assistance, or reach out directly to [email protected] or call +1 (954) 807-3826 during business hours (9:00 AM – 5:00 PM EST).

4. Carrier Liability

Carriers and wireless providers are not liable for delayed, misdirected, or undelivered messages.

5. Message & Data Rates

Message and data rates may apply for any messages sent to you from us and to us from you. Message frequency varies based on your interaction with our chat widget, service usage, and appointment schedule. For questions about your text plan or data plan, contact your wireless provider.

6. Supported Carriers

Our SMS program works with all major U.S. wireless carriers, including AT&T, T-Mobile, Verizon, Sprint, and most regional networks.

7. Age Restriction

You must be 18 years or older to participate in our SMS program or use our platform.

8. Privacy Policy & Compliance

For detailed information regarding how we handle your personal data, please refer to our Privacy Policy. LEVEL UP MY FINANCES complies with all applicable laws and regulations, including the Telephone Consumer Protection Act (TCPA), A2P 10DLC requirements, and CTIA guidelines regarding electronic and SMS communications. Mobile opt-in data will never be shared or sold to third parties for marketing purposes.

General Terms

This website (the "Site") is owned and operated by LEVEL UP MY FINANCES ("LEVEL UP MY FINANCES," "we," or "us"). By using the Site, booking consultations via embedded calendars (such as Calendly), or engaging with our interactive tools, you agree to be bound by these Terms of Service, our Privacy Policy, and any additional conditions that apply to specific sections of the Site.

Accessing the Site, in any manner, whether automated or otherwise, constitutes use of the Site and your agreement to be bound by these Terms of Service.

We reserve the right to modify these Terms of Service or impose new conditions from time to time. Revised terms will be posted directly to this page with an updated effective date. By continuing to use the Site after changes are posted, you accept the Terms of Service as modified.

Educational Platform Disclaimer (Not Financial Advice)

All content, learning materials, consultations, and tools provided by LEVEL UP MY FINANCES are strictly for financial literacy, instructional, and self-regulatory purposes. We are not registered investment advisors, broker-dealers, tax professionals, or legal attorneys. Use of our Site or booking a calendar session does not create a fiduciary or formal advisory relationship. You assume full responsibility for any financial decisions, strategies, or investments you choose to execute.

Intellectual Property Rights

Our Limited License to You

This Site and all materials available on it—including copy, visual layouts, editorial assets, graphic elements, and course materials—are the property of LEVEL UP MY FINANCES and/or our affiliates or licensors and are protected by copyright, trademark, and intellectual property laws. The Site is provided solely for your personal, non-commercial use.

You may not use the Site or its materials in a manner that constitutes an infringement of our rights or that has not been explicitly authorized by us. Unless authorized, you may not modify, copy, reproduce, republish, upload, post, transmit, translate, sell, create derivative works from, exploit, or distribute any material from the Site. You may download or print single pages for personal, non-commercial use, provided all copyright and proprietary notices remain intact.

Your License to Us

By submitting materials, inquiries, or feedback to us via the Site, forms, chat widgets, or associated digital platforms, you grant LEVEL UP MY FINANCES a royalty-free, perpetual, non-exclusive, worldwide license to use, reproduce, modify, adapt, and process such feedback strictly for operational optimization, client support, and business operations.

Disclaimers & External Tools

Throughout the Site, we utilize embedded tools, booking widgets (e.g., Calendly), chat engines (e.g., GoHighLevel), and links to third-party services. Our integration of these third-party tools does not imply an endorsement of the provider’s independent terms or practices.

The information, products, and services offered on or through the Site are provided "as is" without warranties of any kind, either express or implied. To the fullest extent permissible by law, we disclaim all warranties, including implied warranties of merchantability and fitness for a particular purpose.

Indemnification

You agree to indemnify, defend, and hold harmless LEVEL UP MY FINANCES, its founders, officers, directors, agents, and employees from and against any claims, causes of action, liabilities, costs, and expenses (including reasonable legal fees) arising out of or related to your breach of any obligation, warranty, or representation under these Terms of Service.

Online Commerce & Payments

Certain areas of our platform may allow you to purchase educational modules, strategy sessions, or digital resources. All financial transactions are processed securely via PCI-DSS compliant third-party payment gateways (e.g., Stripe). LEVEL UP MY FINANCES does not directly collect, process, or store credit card numbers or sensitive financial account credentials on its servers.

Registration & Passwords

To access certain features or client portals, you may be required to register and create an account. You agree to provide accurate, current, and complete information during registration. You are responsible for maintaining the confidentiality of your login credentials and for all activities conducted under your account. Notify us immediately at [email protected] if you suspect unauthorized access to your account.

Termination

We reserve the right to suspend or terminate your access to the Site or digital services without prior notice if we determine you have violated these Terms of Service or engaged in unlawful or abusive conduct. Upon termination, you must cease all use of the Site and any downloaded educational materials.

Governing Law & Dispute Resolution

These Terms of Service shall be governed by, construed, and enforced in accordance with the laws of the State of Florida, without regard to its conflict of law principles. Any dispute or claim arising under these Terms shall be resolved exclusively in the state or federal courts located in Broward County, Florida.