Terms of Service
Effective Date: May 5, 2025
1. Acceptance of Terms
By clicking “Agree,” booking a coaching session, purchasing a template, or otherwise using any tools, services, or websites operated by OS Financial LLC (“OS Financial,” “we,” “our,” “us”), you confirm that you have read, understand, and agree to be bound by:
These Terms of Service (“Terms”)
Our accompanying Privacy Policy
If you do not agree, do not access or use our services.
2. Scope of Services
OS Financial provides educational financial‑wellness products and services, including but not limited to:
Digital Tools & Templates – predominantly Google Sheets workbooks that help users organise budgets, debt, cash‑flow, and analytics.
Compass™ Coaching Programme – a four‑step, time‑boxed financial‑wellness coaching service delivered via live video calls, email, and shared Google Drive assets.
Membership Platform (OSFF) – an optional subscription granting continued access to dashboards, automations, and community resources.
Free & Promotional Trials – time‑limited access codes (e.g., 30‑day free month) tied to the OSFF platform.
Educational Purpose Only: Our tools and coaching are informational and behavioural in nature. We are not a registered investment adviser, broker‑dealer, CPA, or law firm. Nothing we provide constitutes personalised investment, legal, tax, or accounting advice.
We may update or expand these offerings at any time; continued use after such changes constitutes acceptance of the modified services.
3. User Responsibilities
You agree to:
Provide accurate information during sign‑up, intake forms, and coaching sessions.
Use services for lawful, personal, household, or internal business purposes only.
Maintain confidentiality of login credentials, shared links, and client folders.
Comply with local laws (financial, tax, data‑protection, consumer‑protection, etc.).
Respect our intellectual property (Section 7).
Arrive on time for scheduled coaching calls (24‑hour reschedule policy).
4. Limitations of Use
Our content supplements—and does not replace—independent professional advice from qualified fiduciaries, attorneys, or tax professionals. You accept sole responsibility for decisions made on the basis of our materials.
5. Payment, Scheduling & Refunds
ProductPayment TermsRefund PolicyCompass™ CoachingPaid in full at booking via Stripe.Coaching purchases are non‑refundable once the first session is scheduled, but you may reschedule with ≥ 24 hours’ notice.Digital Tools / TemplatesOne‑time charge via Stripe.All sales are final due to immediate digital delivery.OSFF MembershipSubscription billed monthly or annually via Stripe.Cancel any time; access remains until the current billing period ends. Past charges are non‑refundable.
Failure to maintain valid payment information may suspend or terminate access.
6. Ownership & Intellectual Property
All templates, dashboards, coaching frameworks (including Compass™ ADIS Framework), and related materials are the exclusive property of OS Financial. You may not:
Reproduce, sublicense, or resell any materials
Reverse‑engineer or create derivative works
Use our materials for commercial coaching or consulting without written consent
Unauthorised use may result in legal action.
7. Disclaimers
No Fiduciary Duty: We do not act as a fiduciary and do not manage money or make personalised investment recommendations.
No Guaranteed Results: Financial outcomes depend on individual circumstances and behaviour. We do not guarantee specific credit‑score increases, debt‑payoff timelines, or asset growth.
Third‑Party Platforms: Our tools rely on Google Sheets, Stripe, Zoom/Google Meet, and other third‑party services. We are not liable for interruptions, data loss, or feature changes originating from those platforms.
Use at Own Risk: All insights are provided “as‑is.” You assume full responsibility for actions taken or not taken.
8. Limitation of Liability
To the maximum extent permitted by law, OS Financial and its owners, employees, or contractors are not liable for any direct, indirect, incidental, consequential, or special damages, including but not limited to financial losses, arising out of:
Your use or inability to use our tools, coaching, or website
Errors, omissions, or delays in data or calculations
Actions you take based on our educational content
Total cumulative liability will not exceed the amount paid by you for the specific service giving rise to the claim.
9. Data Protection & Retention
We collect only the data necessary to deliver our services (e.g., spreadsheets, intake responses, call recordings). Upon cancellation or termination, personal data is deleted from active records within 30 days, except where retention is required for legal or legitimate business purposes.
10. Modifications to Terms
We may revise these Terms at any time. Notice of material changes will be provided via:
Email to the address on file and/or
Prominent notice on our website
Continued use after changes equals acceptance of the updated Terms.
11. Termination
We may suspend or terminate your access if you:
Violate these Terms
Engage in fraudulent, abusive, or unlawful activity
Fail to meet payment obligations
Termination does not relieve you of any existing payment obligations.
12. Governing Law & Dispute Resolution
These Terms are governed by the laws of the Commonwealth of Puerto Rico and the Commonwealth of Pennsylvania, without regard to conflicts‑of‑law principles.
Good‑Faith Negotiation: Parties will first attempt to resolve disputes via informal discussion.
Binding Arbitration: Unresolved disputes shall be settled by binding arbitration in Puerto Rico or Pennsylvania (venue chosen by OS Financial).
No Class Actions: Claims must be brought individually; class or representative actions are waived.
13. Contact
Questions or feedback?
Email: support@osfinancialfreedom.com
Website: www.osfinancialfreedom.com
Thank you for choosing OS Financial LLC and trusting us on your journey to financial clarity and confidence.