Terms & Conditions

Terms and Conditions

Effective Date: June 9, 2025
Welcome to HearthstoneFinancial.org (“Site”), owned and operated by Hearthstone Financial (“Company,” “we,” “our,” or “us”).

By accessing or using this website, you agree to the following terms and conditions. If you do not agree, please discontinue use.

1. Use of the Site

This website is intended for individuals aged 18 and older. You may use its content and services solely for personal, non-commercial purposes. Misuse may result in the suspension or termination of access.

2. Financial Coaching Disclaimer

Hearthstone Financial offers financial coaching and budgeting education. We do not provide legal, investment, or tax advice unless explicitly stated by licensed professionals. Always consult a qualified advisor before making financial decisions.

3. Payments and Bookings

All services must be booked and paid for through our approved channels. Pricing is subject to change without notice. Refunds are not guaranteed and will be provided only under explicitly stated conditions.

4. Intellectual Property

All site content — including branding, text, images, and tools — is the property of Hearthstone Financial. You may not reuse, reproduce, or republish any content without written permission.

5. Privacy

Your use of this Site is also subject to our Privacy Policy and Accessibility Statement. By using the Site, you consent to the data practices described therein.

6. Acceptable Use

You agree not to:

Use the Site for unlawful purposes
Attempt to hack, disrupt, or damage the Site or its users
Upload or transmit any viruses, spam, or malicious content

Violations may lead to account restrictions or legal consequences.

7. Third-Party Links

We may link to third-party tools or platforms (e.g., Meta Messenger, Calendly). Hearthstone Financial is not responsible for the content, practices, or policies of these external sites.

8. Limitation of Liability

To the fullest extent allowed by law, Hearthstone Financial is not liable for any loss, damage, or inconvenience arising from use of our services or website. All content is provided “as is.”

9. Modifications

We may update these Terms from time to time. Revisions will be posted on this page with an updated effective date. Continued use of the Site indicates your acceptance of the updated Terms.

10. Contact Us

For questions about these Terms or our services, contact:

Hearthstone Financial
📧 Email: dinoh@hearthstonefinancial.org
🌐 Website: www.hearthstonefinancial.org