Last Updated: May 3, 2026
1. Introduction
Welcome to Waterfall Financial Planning & Coaching (“Company”, “we”, “our”, or “us”). By accessing or using our website and services, you agree to be bound by these Terms and Conditions. If you do not agree, please do not use our website.
2. Services Provided
We provide financial coaching and related services, including but not limited to:
- Financial planning and budgeting guidance
- Debt management strategies
- Tax preparation assistance
- Educational workshops and consultations
All services are for informational and educational purposes only and do not constitute licensed financial, legal, or investment advice unless explicitly stated.
3. Eligibility
By using this website, you confirm that:
- You are at least 18 years old
- You have the legal capacity to enter into a binding agreement
4. Use of Website
You agree to use this website only for lawful purposes. You must not:
- Use the site for fraudulent or harmful activities
- Attempt to gain unauthorized access to systems or data
- Copy, distribute, or exploit content without permission
5. Payments & Refunds
- All prices are listed in Canadian Dollars (CAD) unless otherwise stated
- Payment is required prior to service delivery unless agreed otherwise
- Deposits for subscription services may be required
- Refunds are provided at our discretion unless otherwise stated in writing
6. No Guarantees
We do not guarantee specific financial outcomes. Results depend on individual circumstances, effort, and external factors.
7. Client Responsibility
You agree that:
- You are responsible for your financial decisions
- You will provide accurate and complete information
- You understand that advice provided is based on the information you share
8. Intellectual Property
All content on this website (text, graphics, branding, materials) is owned by Waterfall Financial Planning & Coaching and is protected by copyright laws.
You may not reproduce or distribute content without written permission.
9. Privacy
Your use of this website is also governed by our Privacy Policy. We are committed to protecting your personal information.
10. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the content, policies, or practices of those sites.
11. Limitation of Liability
To the fullest extent permitted by law:
- We are not liable for any direct, indirect, or incidental damages
- We are not responsible for financial losses resulting from decisions made based on our services
12. Indemnification
You agree to indemnify and hold harmless Waterfall Financial Planning & Coaching from any claims, damages, or expenses arising from your use of the website or services.
13. Termination
We reserve the right to:
- Refuse service
- Suspend or terminate access
at our discretion, without notice, if these Terms are violated.
14. Governing Law
These Terms shall be governed by and interpreted in accordance with the laws of Canada and the Province of Alberta (or update to your current province if needed).
15. Changes to Terms
We may update these Terms at any time. Continued use of the website means you accept the updated Terms.
16. Contact Information
If you have any questions about these Terms, please contact:
Waterfall Financial Planning & Coaching
Email: waterfallfinancials@gmail.com
Website: www.waterfallfpc.com
“We are not licensed financial advisors, and our services do not replace professional financial, legal, or tax advice where required.”