Terms & Conditions
The terms that govern your use of our website, services, and messaging program.
Effective date: June 24, 2026 · Last updated: June 24, 2026
These Terms & Conditions ("Terms") govern your use of the website at www.curbelofinancialcoaching.com and the services offered by Curbelo Financial Coaching ("we," "us," or "our"). By using our website, submitting a form, or enrolling in our messaging program, you agree to these Terms. If you do not agree, please do not use the website or services.
Our services
Curbelo Financial Coaching provides financial coaching, education, and related resources. Our coaching is educational in nature and is not financial, investment, legal, or tax advice, and does not create a fiduciary relationship. You are responsible for your own financial decisions. Results vary based on individual circumstances and effort.
Use of the website
You agree to use the website lawfully and not to misuse it, interfere with its operation, attempt unauthorized access, or submit false information. Content on this site is owned by Curbelo Financial Coaching and provided for your personal, non-commercial use.
SMS Messaging Terms
By opting in to receive text messages from Curbelo Financial Coaching, you agree to receive appointment reminders, account notifications, service updates, customer service messages, and — if you separately opt in to marketing — promotional and marketing messages such as special offers, company news, and service promotions, at the mobile number you provided. Message frequency varies based on your interactions with us. Message and data rates may apply.
You may opt out at any time by replying STOP to any message. After opting out, you may receive one final message confirming that your request has been processed. For assistance, reply HELP or contact info@curbelofinancialcoaching.com or (727) 316-5747.
Consent to receive marketing text messages is not a condition of purchasing any product or service. Mobile carriers are not responsible for delayed or undelivered messages.
Your use of the SMS messaging program is also governed by our Privacy Policy.
Payments and refunds
Fees for coaching programs are described at the time you enroll. Any payment, cancellation, or refund terms specific to a program will be provided to you before you purchase. Free tools and consultations are provided at no cost and with no obligation.
Disclaimers and limitation of liability
The website and services are provided "as is" without warranties of any kind, to the fullest extent permitted by law. We do not guarantee any particular financial outcome. To the maximum extent permitted by law, Curbelo Financial Coaching is not liable for any indirect, incidental, or consequential damages arising from your use of the website, services, or messaging program.
Third-party links
Our website may link to third-party sites or services (for example, scheduling or social media). We are not responsible for the content or practices of those third parties.
Changes to these Terms
We may update these Terms from time to time. When we do, we will revise the "Last updated" date above. Your continued use of the website after changes are posted constitutes acceptance of the updated Terms.
Governing law
These Terms are governed by the laws of the State of Florida, United States, without regard to its conflict-of-laws rules.
Contact us
- Email: info@curbelofinancialcoaching.com
- Phone: (727) 316-5747
- Curbelo Financial Coaching, Florida, United States