Terms and Conditions

Welcome to emilyadamsloyd.com (“Website,” “we,” “us,” or “our”). By accessing or using this Website, you agree to the following Terms and Conditions. Please read them carefully before using this site or engaging with any services.

1. Use of This Website

This Website is intended for individuals seeking personal development and education related to money empowerment and mindset. By accessing this site, you affirm that you are at least 18 years of age and able to legally enter into these Terms.

You may use this Website and its contents for lawful purposes only. You agree not to misuse or attempt to hack, interrupt, or damage the Website or its associated services.

2. Coaching and Educational Services

Through this Website, I offer individual coaching sessions and free online video trainings designed to help you improve your relationship with money. These services are educational and personal-development in nature.

3. No Financial, Legal, or Tax Advice

Important Disclaimer: I am not a licensed financial advisor, accountant, or attorney. The content provided on this Website, in coaching sessions, or in any video training is not intended to be—and should not be considered—financial advice, investment advice, tax advice, or legal advice.

All information shared is for educational and informational purposes only, and is based on my training, experience, and opinions as a money empowerment coach.

Always consult a licensed professional in your state before making financial, legal, or investment decisions. Nothing on this Website or in my services constitutes a substitute for professional guidance.

4. Oregon Disclosures

While I operate from the state of Oregon, I do not hold any state-regulated financial advisory licenses and do not represent myself as a Certified Financial Planner, CPA, or registered investment advisor. My services are not regulated by the Oregon Division of Financial Regulation.

5. Intellectual Property

All content on this Website, including videos, written material, graphics, logos, and branding, is the property of Emily Loyd and may not be reproduced, republished, or distributed without prior written permission. Sacred Money Archetypes® is a registered trademark of Kendall Summerhawk, Heart of Success Inc.

6. Payments and Refunds

Payment terms for coaching sessions, programs, or digital offerings will be clearly outlined at the point of purchase. Due to the nature of coaching and digital education, all sales are considered final. However, refunds may be offered in limited circumstances and at our sole discretion. If you are unsatisfied with your purchase, you are welcome to reach out within 7 days to discuss your concerns.

We reserve the right to evaluate refund requests on a case-by-case basis. Nothing in this section limits any rights you may have under applicable consumer protection laws.

7. Limitation of Liability

To the fullest extent permitted by law, we disclaim all warranties and shall not be liable for any damages resulting from your use of the Website or reliance on any information provided through our services. You agree to use your own judgment and discretion and accept full responsibility for your actions and results.

8. External Links

This Website may contain links to external websites or resources. We are not responsible for the content, policies, or accuracy of any third-party sites.

9. Privacy

Your use of this site is also governed by our Privacy Policy. Please review it to understand how your information is collected, used, and protected.

10. Modifications

We reserve the right to update or change these Terms at any time. Continued use of the Website after changes are posted constitutes your acceptance of the revised Terms.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Oregon, without regard to conflict of law principles.