Terms & Conditions

Financial Freedom Starters
Last Updated: November 22, 2025

These Terms & Conditions (“Terms”) govern your use of the Financial Freedom Starters website, programs, masterclasses, eBooks, digital products, and services (“Services”). By purchasing, accessing, or using any of our Services, you agree to these Terms.

If you do not agree, please do not use our Services.

1. Definitions

  • “We,” “Us,” “Our” refers to Financial Freedom Starters / Proverbs Thirty One, Inc.

  • “You,” “User,” “Participant” refers to anyone who accesses or purchases our Services.

  • “Masterclass” refers to the Financial Freedom 2-Hour Masterclass or any training offered.

  • “Digital Products” include eBooks, downloads, templates, workbooks, and all non-physical items.

2. Eligibility

You must be at least 18 years old to purchase or participate in any of our Services.

3. Payment & Purchases

  • All payments must be made in full at the time of purchase unless otherwise stated.

  • You agree to provide accurate billing and payment information.

  • Fraudulent or unauthorized payments may result in termination of access.

4. No Refund Policy

Because our products and training are digital and accessible immediately, all sales are final.
No refunds, cancellations, chargebacks, or account transfers will be granted.

If you have concerns about your purchase, you may contact us at info@proverbsthirtyone.co.

5. Access to the Masterclass

Upon purchase, you will receive:

  • A link to join the masterclass at the scheduled time

  • Any associated materials, bonuses, or downloads

  • Access instructions via email

Access is intended for the purchaser only and may not be shared or distributed.

6. Intellectual Property

All content, including:

  • Videos

  • PDFs

  • Workbooks

  • Slides

  • Logos

  • Branding

  • Masterclass training

  • Audio

  • Written content

…is owned by Financial Freedom Starters and protected by copyright laws.

You agree not to reproduce, share, distribute, or sell any materials without written permission.

7. Prohibited Uses

You may NOT:

  • Share login details

  • Record or redistribute the masterclass

  • Sell or republish any materials

  • Use our content to create your own competing program

  • Misuse the community spaces (FB group or group chat)

Violation may result in removal from programs without a refund.

8. Disclaimer: Not Financial Advice

All information provided through Financial Freedom Starters is for educational purposes only.

We do not guarantee:

  • Specific financial outcomes

  • Credit score increases

  • Debt elimination timelines

  • Investment or wealth results

You are responsible for your own decisions. Consult a licensed financial professional where required (note: you are a licensed financial broker but must still include disclaimers for general programs).

9. Results Disclaimer

Your results depend on your:

  • Participation

  • Consistency

  • Implementation

  • Understanding of material

We do not promise or guarantee any financial transformation or specific measurable results.

10. Community Guidelines

Members of the FB group and group chat agree to:

  • Be respectful

  • Not spam or self-promote

  • Keep discussions supportive

  • Maintain confidentiality within the group

We reserve the right to remove anyone who violates community guidelines.

11. Third-Party Tools and Links

We may use third-party platforms to deliver Services (Zoom, Stripe, Facebook, etc.).
We are not responsible for issues that arise from using third-party platforms.

12. Limitation of Liability

To the fullest extent permitted by law, Financial Freedom Starters is not liable for:

  • Losses or damages resulting from the use of our training

  • Business interruptions

  • Financial decisions made by participants

  • Errors, technical issues, or interruptions in access

You agree to hold us harmless against any claims or damages.

13. Privacy

Your use of our Services is also governed by our Privacy Policy.
Please review it for details on data collection and usage.

14. Changes to Terms

We may update these Terms at any time. Updates will be posted with a new “Last Updated” date.
Continued use of our Services means you accept the revised Terms.

15. Contact Information

If you have questions about these Terms, contact us at:
Proverbs Thirty One, Inc.
info@proverbsthirtyone.co