These Terms of Service ("Terms") govern your use of the website and services of BA Associates LLC ("BA Associates," "we," "us," or "our"). By using our website, booking a session, or making a payment, you agree to these Terms.
1. Educational Purpose Only
BA Associates provides financial literacy education for general informational and educational purposes only. We are not a lender, bank, financial advisor, investment advisor, tax advisor, law firm, or credit repair organization. Nothing we provide is financial, investment, legal, or tax advice, and nothing should be relied upon as such. You are responsible for your own financial decisions and should consult a qualified licensed professional for advice specific to your situation.
2. Our Services
We offer private, one-on-one financial literacy education sessions. Session content is educational and general in nature and is tailored to help you understand financial fundamentals such as budgeting, credit, and financial organization.
3. Booking and Payments
- Sessions are scheduled through our online booking tool.
- Payments are processed securely by Stripe. By making a payment, you also agree to Stripe's applicable terms.
- Fees are presented at checkout and are due at the time of booking unless otherwise stated.
4. Cancellations and Refunds
If you need to reschedule or cancel, please contact us at least 24 hours before your scheduled session. Refund eligibility is handled on a case-by-case basis; please reach out to Info@baassociatesllc.com and we'll work with you. (You can adjust this policy to match how you actually run cancellations and refunds.)
5. No Guarantees
Financial outcomes depend on many factors outside our control, including your own actions and circumstances. We do not promise or guarantee any particular financial result from our education. Any examples are for illustration only and are not a promise of results.
6. Intellectual Property
All content on this website and provided in our sessions and materials is owned by BA Associates LLC or its licensors and is provided for your personal, non-commercial use. You may not copy, resell, or redistribute it without our written permission.
7. Limitation of Liability
To the fullest extent permitted by law, BA Associates LLC and its owners will not be liable for any indirect, incidental, consequential, or special damages arising from your use of our website or services. Our total liability for any claim will not exceed the amount you paid us for the service giving rise to the claim.
8. Indemnification
You agree to hold harmless BA Associates LLC from claims arising out of your misuse of our website or services or your violation of these Terms.
9. Governing Law
These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-laws rules.
10. Changes to These Terms
We may update these Terms from time to time. Changes take effect when we post the updated version, with a revised "Last updated" date above.
11. Contact Us
Questions about these Terms? Email Info@baassociatesllc.com.