Terms of Service

1. Agreement to Terms

By accessing this website or engaging the services of Serafim Financial Group LLC (“Company,” “we,” “us,” or “our”), operating under the brand name Serafim Financial Performance, you (“Client,” “you,” or “your”) agree to be bound by these Terms of Service. If you do not agree to these terms, do not use this website or our services.

2. Nature of Services

Serafim Financial Performance provides financial coaching and educational services. Specifically:

• —We are not registered investment advisors, broker-dealers, or fiduciaries under any federal or state securities law.
• —We are not licensed financial planners, credit repair organizations, or debt settlement companies.
• —We are not tax advisors, CPAs, or attorneys.
• —Nothing we provide constitutes investment advice, securities recommendations, legal advice, tax advice, or credit counseling.

All content, frameworks, and communications provided through our services are for educational and informational purposes only. You remain solely responsible for all financial decisions you make.

3. No Guarantee of Results

We make no representations, warranties, or guarantees regarding specific financial outcomes, results, performance improvements, or any other metrics. Financial results depend on individual circumstances, the accuracy of information provided by the client, commitment to execution, market conditions, and many factors outside our control. Past results from coaching engagements are not indicative of future outcomes for any individual client.

4. Client Obligations

As a client, you agree to:

• —Provide accurate, complete, and current information throughout the engagement
• —Attend scheduled sessions or provide reasonable advance notice of cancellation
• —Engage in good faith with all frameworks, systems, and deliverables produced during the engagement
• —Acknowledge that outcomes are not guaranteed and are substantially determined by your own actions
• —Not share, reproduce, or distribute proprietary frameworks, documents, or materials developed during the engagement without prior written consent

5. Payment Terms

Fees for services are agreed upon prior to the commencement of any engagement and documented in a separate engagement agreement. Where installment payment arrangements are offered, all scheduled payments remain obligatory regardless of whether the client continues active participation in the engagement. Failure to complete installment payments does not extinguish the remaining payment obligation. Installment obligations are legally enforceable under these Terms and the separate engagement agreement.

6. Refund Policy

Our refund policy is incorporated into these Terms by reference. A full refund is available within 7 calendar days following the first completed coaching session. After this period, all fees are non-refundable. Please review the full Refund Policy before engaging our services.

7. Limitation of Liability

To the fullest extent permitted by applicable law, Serafim Financial Group LLC, its members, employees, contractors, and agents shall not be liable for:

• —Any indirect, incidental, special, consequential, or punitive damages
• —Any loss of profits, revenue, data, or goodwill
• —Any financial losses incurred as a result of actions taken or not taken based on our coaching or materials
• —Any claims arising out of or related to the accuracy or completeness of information provided during the engagement

In no event shall our total liability to you for any claims arising out of or related to these Terms or our services exceed the total fees paid by you to us in the twelve months preceding the claim.

8. Indemnification

You agree to indemnify, defend, and hold harmless Serafim Financial Group LLC and its members, employees, contractors, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of our services.

9. Dispute Resolution and Arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms or our services shall be resolved by binding arbitration, rather than in court, except that either party may seek emergency injunctive relief in a court of competent jurisdiction where necessary to prevent irreparable harm.

Arbitration shall be conducted under the rules of the American Arbitration Association (“AAA”) then in effect, or such other arbitration rules as the parties may mutually agree in writing. The arbitration shall be held in Texas or conducted remotely. The arbitrator's decision shall be final and binding. You waive any right to participate in a class action lawsuit or class-wide arbitration.

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10. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law principles. Any legal proceedings not subject to arbitration shall be brought exclusively in the state or federal courts located in Texas.

11. Intellectual Property

All content on this website — including text, frameworks, methodologies, graphics, and design — is the property of Serafim Financial Group LLC and is protected by applicable intellectual property laws. Custom materials developed during your engagement are provided to you for personal use only and may not be reproduced, distributed, or resold without prior written consent.

12. Termination

We reserve the right to terminate or suspend your engagement at our discretion if you violate these Terms, provide materially false information, or engage in conduct that we determine in good faith to be harmful to the engagement or to our business. In the event of termination by us without cause, we will provide a prorated refund for the unused portion of the engagement period, minus any completed deliverables.

13. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be posted to this page with an updated effective date. Continued use of our services after any modification constitutes your acceptance of the revised Terms.

14. Contact

For questions regarding these Terms, contact us at: