Terms of Service

(You may scroll to the bottom for “common speak”)

Last Updated: May 2025

1. Acceptance of Terms

By accessing and using the website [www.financialbutlers.com] (the "Website"), you ("User," "you," or "your") agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you must not access or use the Website.

2. Description of Services

Financial Butlers provides financial coaching, financial education, and financial and programmatic consultation to businesses and organizations. The information provided on the Website and through our services is for informational and educational purposes only and should not be considered financial advice.

3. Disclaimer of Financial Advice

YOU ACKNOWLEDGE AND AGREE THAT FINANCIAL BUTLERS IS NOT A REGISTERED FINANCIAL ADVISER, BROKER-DEALER, OR FINANCIAL INSTITUTION. THE CONTENT AND SERVICES PROVIDED THROUGH THE WEBSITE ARE NOT INTENDED TO PROVIDE FINANCIAL, INVESTMENT, TAX, LEGAL, OR ACCOUNTING ADVICE. YOU SHOULD CONSULT WITH A QUALIFIED PROFESSIONAL FOR SUCH ADVICE. WE DO NOT GUARANTEE ANY SPECIFIC FINANCIAL OUTCOMES OR RESULTS FROM THE USE OF OUR WEBSITE OR SERVICES.

4. User Conduct

You agree to use the Website in a responsible and lawful manner. You shall not:

  • Use the Website for any illegal or unauthorized purpose.

  • Interfere with or disrupt the operation of the Website or the servers and networks used to make the Website available.

  • Attempt to gain unauthorized access to any portion of the Website or any systems or networks connected to the Website.

  • Transmit any viruses, worms, malware, or other harmful code.

  • Collect or harvest any personally identifiable information from other users of the Website without their consent.

  • Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Website.

5. Intellectual Property

All content on the Website, including but not limited to text, graphics, logos, images, videos, and software, is the property of Financial Butlers or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, modify, distribute, display, or create derivative works of any content from the Website without the express written consent of Financial Butlers.

6. User-Generated Content (If Applicable)

If the Website allows users to post, upload, or otherwise submit content ("User-Generated Content"), you grant Financial Butlers a non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such User-Generated Content throughout the world in any media. You represent and warrant that you own or otherwise control all of the rights to the User-Generated Content that you submit and that the use of your User-Generated Content does not violate these Terms or the rights of any third party. Financial Butlers has the right, but not the obligation, to monitor, edit, or remove any User-Generated Content.

7. Third-Party Links

The Website may contain links to third-party websites or resources. Financial Butlers is not responsible for the content, products, or services offered by such third parties. Your use of third-party websites and resources is at your own risk.

8. Disclaimer of Warranties

THE WEBSITE AND ITS CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. FINANCIAL BUTLERS DOES NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

9. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, FINANCIAL BUTLERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES) ARISING OUT OF OR RELATING TO YOUR ACCESS TO OR USE OF, OR INABILITY TO ACCESS OR USE, THE WEBSITE OR ITS CONTENT, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL THEORY, EVEN IF FINANCIAL BUTLERS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THIS LIMITATION APPLIES TO ALL CLAIMS, REGARDLESS OF THEIR BASIS.

10. Indemnification

You agree to indemnify, defend, and hold harmless Financial Butlers and its affiliates, officers, directors, employees, agents, and licensors from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to your use of the Website, your User-Generated Content (if applicable), or your breach of these Terms.

11. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of North Carolina, without regard to its conflict of law provisions. Any legal suit, action, or proceeding arising out of or relating to these Terms or the Website shall be instituted exclusively in the state or federal courts located in Charlotte, Mecklenburg County, North Carolina. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

12. Changes to These Terms

Financial Butlers reserves the right to modify or revise these Terms at any time without notice. By continuing to access or use the Website after any such changes, you agree to be bound by the revised Terms. It is your responsibility to review these Terms periodically for any updates or changes.

13. Termination

Financial Butlers may terminate your access to all or any part of the Website at any time, with or without cause or notice, which may result in the forfeiture and destruction of all information associated with your account.

14. Entire Agreement

These Terms constitute the entire agreement between you and Financial Butlers regarding your use of the Website and supersede all prior and contemporaneous agreements, understandings, representations, and warranties, whether oral or written.

15. Contact Us

If you have any questions about these Terms, please contact us at:

Financial Butlers, LLC, 1235 East Blvd, Suite E #808, Charlotte, NC 28203

(980) 785-3853 | contact@financialbutlers.com

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Important Considerations Regarding Our Services:

Please be aware of the following:

  • Not Certified Financial Planners (CFPs) or Certified Public Accountants (CPAs): Our team consists of professionals with diverse backgrounds and expertise. However, we are not acting as Certified Financial Planners or Certified Public Accountants.

  • Guidance, Not Guarantees: Any mathematical, financial, or statistical information provided is for informational purposes and based on our analysis. It should not be interpreted as a guarantee of specific outcomes or a prediction of future results. Financial markets are inherently unpredictable.

  • Based on Our Understanding: Our perspective and guidance are informed by our research and due diligence. However, this does not guarantee specific financial results, negate risks, or ensure certain outcomes.

  • Your Responsibility: You are ultimately responsible for all financial decisions and actions you take. Our services are designed to provide support and insights, but they do not account for your complete personal and financial situation, including all federal, state, and local nuances.

  • No Liability for Actions: We are not liable for any financial decisions or actions you take based on our coaching, services, or any information provided. All financial choices carry inherent risks and unpredictability.

What You Can Expect From Us:

  • Personalized Guidance: We are passionate about understanding your unique situation and helping you determine what is best for you.

  • Ethical Approach: We operate with high morals and pledge to never lie, cheat, steal, or take advantage of you in any way.

  • Humility and Continuous Learning: We will openly admit our limitations and refrain from speaking on topics where we lack expertise. We are committed to continuous learning and will conduct additional research when necessary.

Key Considerations for You:

  • Personalized Financial Journey: Financial decisions are deeply personal and influenced by various factors. Your financial improvement journey will likely be more nuanced than a purely scientific approach, requiring patience, an open mind, and dedication.

  • Confidentiality: Strict confidentiality will be maintained concerning your personal matters. Personal information provided for services will be securely stored and deleted upon your request.

  • Independent Professional Advice: It is always wise to consult with a certified financial planner, accountant, or other qualified tax professional before making any significant financial decisions.