These Terms and Conditions (“Terms”) govern your use of the services provided by Courage Finance (“we,” “us,” or “our”). By accessing or using our services, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use our services.

1. Services

Courage Finance offers financial planning and advisory services, including retirement savings consultation, emergency fund planning, investment portfolio analysis, and tax-efficient savings strategies. The details of these services are outlined on our website and in our service agreements.

2. User Responsibilities

You agree to provide accurate and complete information when using our services and to update this information as necessary. You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account.

3. Intellectual Property

All content and materials provided by Courage Finance, including but not limited to text, graphics, logos, and software, are the intellectual property of Courage Finance or its licensors. You may not reproduce, distribute, or otherwise use any of our content without our express written permission.

4. Confidentiality

We are committed to maintaining the confidentiality of your personal and financial information. Please refer to our Privacy Policy for details on how we collect, use, and protect your information.

5. Disclaimers

No Guarantees: While we strive to provide accurate and reliable financial advice, we cannot guarantee specific financial outcomes or results. The performance of investments and financial products is subject to market conditions and other factors beyond our control.

No Legal or Tax Advice: Our services are intended to provide financial advice and planning. We do not provide legal or tax advice. You should consult with a qualified legal or tax professional for specific advice on your situation.

6. Limitation of Liability

To the fullest extent permitted by law, Courage Finance shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from your use of our services.

7. Indemnification

You agree to indemnify, defend, and hold harmless Courage Finance and its affiliates, officers, agents, and employees from any claim, demand, damages, or other liabilities, including reasonable attorneys’ fees, arising out of your use of our services or your violation of these Terms.

8. Termination

We reserve the right to terminate or suspend your access to our services at any time, without prior notice, for conduct that we believe violates these Terms or is otherwise harmful to Courage Finance or our users.

9. Changes to These Terms

We may update these Terms from time to time. We will notify you of any material changes by posting the updated Terms on our website and updating the effective date. Your continued use of our services after any changes to these Terms constitutes your acceptance of the revised Terms.

10. Contact Us

If you have any questions or concerns about these Terms, please contact us.