Terms of Service
Vanessa Marie Dean Financial Coach
Effective date: September 7, 2026
These Terms of Service explain the conditions for using the website, resources, courses, and services offered by Vanessa Marie Dean Financial Coach (“we,” “us,” or “our”), based in North Carolina, USA.
By purchasing our offerings or otherwise accepting these Terms, you agree to follow them. If you do not agree, please do not purchase or use the applicable services.
Our Services
We provide financial coaching, educational resources, newsletters, and courses, including Mastering Your Impulsive Spending.
The description provided at purchase or enrollment explains what is included in each offering. Any separate coaching agreement or specific purchase terms also apply to that offering.
Educational Purpose and Personal Responsibility
Our courses, resources, and coaching provide financial education and support for developing money-management skills. They do not replace individualized legal, tax, investment, or mental health advice.
You are responsible for your financial decisions and for determining whether information or strategies are appropriate for your circumstances. Consult an appropriately qualified professional when needed.
We do not guarantee any particular savings amount, debt reduction, income, spending change, or other financial result. Outcomes depend on your circumstances and actions.
Purchases and Payments
Prices, payment schedules, and included services are presented before purchase. You agree to pay the charges you authorize at checkout.
If you select a payment plan, the installment amounts and schedule disclosed at purchase apply. Contact us promptly at vanessa@VanessaMDean.com if you have a billing question or payment issue.
Course access and any access period are described in the applicable offer or enrollment materials.
Refunds and Cancellations
All purchases are final. Vanessa Marie Dean Financial Coach does not offer refunds, except where required by applicable law. Please review the course or service description carefully before purchasing.
If you select a payment plan, you remain responsible for all installments agreed to at checkout. Choosing not to access or complete a course does not cancel your payment obligations.
For questions about a purchase or a billing error, contact vanessa@VanessaMDean.com.
Nothing in these Terms limits refund or other consumer rights that cannot be waived under applicable law.
Use of Our Materials
Unless otherwise stated, our course content, worksheets, videos, downloads, and other original materials belong to Vanessa Marie Dean Financial Coach or are used with permission.
You may use materials provided to you for your own personal learning. You may not resell, publicly distribute, publish, or share paid course materials or account access without written permission, except where permitted by law.
Appropriate Use
You agree not to use our website or services for unlawful activities, harassment, fraud, or unauthorized access to systems or accounts.
If you create an account, keep your login details confidential and provide accurate information. Contact us if you believe someone has accessed your account without permission.
We may restrict access when reasonably necessary to address misuse, security threats, or a material violation of these Terms, subject to applicable law and any rights under your purchase agreement.
Text Messaging Terms
Program Description
Vanessa Marie Dean Financial Coach offers optional text messaging through our website chat widget.
Depending on the consent you provide, messages may include:
Promotional offers and information about courses or services.
Appointment confirmations and reminders.
Invoice and payment reminders.
Responses to your questions and customer support messages.
Consent
We send text messages according to the permissions you provide. Marketing and non-marketing consent are separate choices.
Providing a phone number, purchasing a course, or accepting these Terms does not by itself authorize promotional text messages. Consent to marketing texts is not a condition of purchase.
Message Frequency and Charges
Message frequency varies based on your interactions, appointments, purchases, and communication preferences.
Message and data rates may apply to messages sent or received. Contact your wireless provider with questions about your plan or charges.
Opting Out
To stop receiving text messages, reply STOP to the number that sent you a message.
We will send a confirmation of your unsubscribe request, after which you will no longer receive text messages through the program unless you opt in again.
To rejoin, complete the opt-in process again as you did initially.
Help and Support
Reply HELP to a text message for assistance, or email vanessa@VanessaMDean.com.
Delivery
Text message delivery depends on your wireless provider and network availability. Carriers are not liable for delayed or undelivered messages.
Privacy
Our Privacy Policy explains how we handle personal information, including phone numbers and messaging consent.
Read our Privacy Policy: [Insert a clickable link to your published Privacy Policy page.]
Third-Party Services and Links
Our website and services may use or link to external platforms for payments, communications, course access, or other functions.
Those providers have their own terms and privacy policies. We are not responsible for the content or operation of websites we do not control. This does not limit any responsibilities we have under applicable law.
Availability and Changes
We may update website content and educational materials over time. Temporary interruptions may occur because of maintenance, technical issues, or circumstances outside our control.
These Terms do not give us the right to remove material benefits of an existing purchase contrary to the terms agreed to at checkout or applicable law.
Updates to These Terms
We may revise these Terms and will post the updated version with a new effective date. When required, we will provide additional notice or request your agreement.
Changes will not retroactively alter an existing purchase agreement without your consent where that consent is required.
Applicable Law
These Terms are governed by North Carolina law and applicable United States federal law, without overriding any mandatory consumer protections that apply to you.
If part of these Terms is found unenforceable, the remaining provisions will continue to apply to the extent permitted by law.
Contact Us
For questions about these Terms, purchases, or text messaging, contact:
Vanessa Marie Dean Financial Coach
North Carolina, USA
Email: vanessa@VanessaMDean.com