Terms and Conditions

 The Financial ER & Rise A Credit Building Journey Disclaimer, Terms of Use & Refund Policy

DISCLOSURES & DISCLAIMERS

THE LAW AND OUR DESIRE TO BE TRANSPARENT

REQUIRE US TO EXPLAIN AND DISCLOSE MY SERVICES, PRODUCTS AND BUSINESS BEFORE YOU PURCHASE FROM THE FINANCIAL ER.

MY SERVICES AND PRODUCTS ARE NOT DESIGNED OR INTENDED TO FIX OR REPAIR YOUR CREDIT, BUT RATHER THEY ARE DIRECTED AT ENHANCING YOUR PERSONAL SKILLS AND YOUR EXISTING CREDIT JOURNEY. IF YOU ARE ‘STARTING’ YOUR JOURNEY AT IMPROVING YOUR CREDIT,  THEN YOU MUST KNOW THAT YOU ARE DOING IT WITHOUT MY SOLICITING YOU TO DO SO. THAT YOU ARE DOING IT ON YOUR OWN VOLITION WHILE USING MY COURSES TO ASSIST YOU, AND WITHOUT RELYING ON ANYTHING I SAY AS AN INDUCEMENT TO BUY ANY OF MY COURSES OR PRODUCTS TO GET CREDIT APPROVALS

I don’t believe in get-rich-quick methods  OR FAST FIX and can tell you that improving credit is NOT one. Credit improvement takes a ton of hard work and even more dedication to your finances in order to be successful. The Financial ER and Rise, A Credit Building Journey is designed to help and guide you through the arduous process of credit improvement by walking you through my story in detail. As stated by law, I cannot and do not make any guarantees or representations about your own ability to get results, improve your credit or get credit approved with my ideas, information, programs or strategies. I have worked incredibly hard to achieve my results through educating myself on how credit works, applying the information and cannot guarantee you are willing to put in the same amount of work. I’m here to help by giving you my greatest strategies to move you forward. However, nothing on this page or any of our websites or emails or testimonials from any of my students, clients or Companies are a promise or guarantee of future credit worthiness or credit approvals. Any financial references are simply based on my own experience or past results, and should not be considered exact, actual, or a promise of potential results – all credit improvement or approvals are illustrative only and results will vary. Any testimonials provided by me are not intended to represent typical results. These results are meant as a showcase of what the best, most motivated and driven individual consumers have done and should not be considered to measure what you might achieve.

You should perform your own (with the help of your professional experts) due diligence prior to making any purchase from us. By virtue of visiting this site or interacting with any portion of this site and my related Companies, you agree that you’re fully responsible for the investments/purchases you make and YOU ARE RELEASING The Financial ER AND ITS PRINCIPALS AND RELATED COMPANIES FROM ANY CLAIMS OF ILLEGALITY.

If you’re not willing to accept that, please:

DO NOT PURCHASE THESE PRODUCTS/COURSES.

FURTHER NOTICE TO ALL CUSTOMERS/USERS OF THE FINANCIAL ER SERVICES AND PRODUCTS: THE FINANCIAL ER DOES NOT HOLD ITSELF OUT AS A POST SECONDARY SCHOOL AND PROVIDES NO EDUCATIONAL STATE CREDITS NOR ANY STATE AUTHORIZED DEGREES OR CERTIFICATES THAT COULD BE USED FOR POST SECONDARY SCHOOL BENEFITS OR ALTERNATIVES OF ANY KIND.

REFUND POLICY:

For certain products, we offer a 7-day free trial to explore our services. If you do not cancel within the trial period, you will be charged on the 8th day. To avoid being charged, you must cancel before the trial period ends. If you do not cancel and are charged, you will not be eligible for a refund from The Financial ER.

NON TRIAL PURCHASES: IF YOU ARE NOT SATISFIED WITH ANY OF THE COURSES YOU PAID FOR WITHOUT A TRIAL PERIOD YOU ARE ENTITLED TO A FULL REFUND WITHIN 7 DAYS OF THE  PURCHASE UPON WRITTEN NOTICE AND REQUEST TO US COUPLED WITH AN EXPLANATION AS TO WHY YOU DESIRE A REFUND.

Questions about THE FINANCIAL ER or RISE, A CREDIT BUILDING JOURNEY program? Please email support@thefinancialer.com

  1. Terms

By accessing this website and purchasing products from The Financial ER and its related entities (hereafter TFER), you are agreeing to be bound by these Terms of Use and all applicable laws and regulations relating thereto.

IF YOU DO NOT AGREE WITH ANY OF THESE TERMS, YOU ARE PROHIBITED FROM AND INFORMED NOT TO USE OR ACCESS THIS SITE NOR TO PURCHASE ANY OF THE PRODUCTS MADE AVAILABLE TO THE PUBLIC BY TFER AND ITS RELATED ENTITIES.

  1. Grant of License

Permission is granted to temporarily download one copy of any downloadable material on the TFER website for personal, non-commercial private viewing only. This permission is the grant of a license, not a transfer of title, and under this license you may not:

modify or copy the materials;

use or sell the materials for any commercial purpose, or for any public display (commercial or non-commercial);

attempt to decompile or reverse engineer any software contained on theTFER website;

remove any copyright, trademark or other proprietary notations from the materials; or

transfer the materials to another person or ‘mirror’ the materials on any other server.

This license shall automatically terminate if you violate any of these restrictions and the License may be terminated by TFER at any time. Upon terminating your use of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.

  1. Disclaimer/Disclosures

The materials on the TFER website are provided ‘as is’ ‘where is’ and without representation or warranty. To be clear, TFER makes no warranties, expressed or implied about its training, products viability or the credit opportunity and hereby disclaims and negates all warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, TFER does not warrant or make any representations concerning the accuracy, likely results, credit worthiness, credit approvals, income ability or reliability of the use of the materials on its website or otherwise relating to such training materials or on any sites linked to this site.

THE FINANCIAL ER & RISE, A CREDIT BUILDING JOURNEY DOES NOT HOLD ITSELF OUT AS A POST SECONDARY SCHOOL AND PROVIDES NO EDUCATIONAL STATE CREDITS NOR ANY STATE AUTHORIZED DEGREES OR CERTIFICATES THAT COULD BE USED FOR POST SECONDARY SCHOOL BENEFITS OR ALTERNATIVES OF ANY KIND. MOREOVER THE SERVICES TRAINING AND PRODUCTS ARE NOT GUARANTEED TO MAKE YOU MONEY AND YOU CANNOT RELY TO THE CONTRARY.

THE USE OF THE TERM ‘SCHOOL’ “STUDENT”, “MENTORSHIP” OR “COACHING” THROUGHOUT THE TRAINING COURSES SHALL MEAN MERELY A TRAINING SCHOOL PROGRAM AND NOT A ‘SECONDARY SCHOOL’.

  1. Limitations

In no event shall TFER be liable for any damages (including, without limitation, damages for loss of data, credit worthiness or profit, or due to business interruption) arising out of the use or inability to use the training and materials on the TFER website/blogs/videos/conferences or the like including but not limited to the use of its training and products. even if the TFER. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you and such Jurisdictional choice of laws will prevail in the event the Venue and choice of Laws provision at Section 8 below is deemed unenforceable.

  1. Revisions and Errata

The materials appearing on the TFER website may include technical, typographical, or photographic errors. TFER does not warrant that any of the materials on its web site are accurate, complete, or current. TFER may make changes to the materials contained on its web site at any time without notice. TFER does not, however, make any commitment to update the materials.It is your responsibility to do on-going reviews of the Terms to maintain compliance.

  1. Links

TFER has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by TFER of the site. Use of any such linked website is at the user’s own risk.

  1. Site Terms of Use Modifications

TFER may revise these Terms of Use for its website at any time without notice. By using this website you are agreeing to be bound by the then current version of these Terms of Use and you will be responsible to make ongoing and regular review of these terms.

  1. Governing Law

Any claim relating to and against TFER and its related entities and website shall be governed by the laws, choice of Laws, venue and Jurisdiction of Rancho Mirage, State of California, without regard to its conflict of law provisions.

  1. RELATIONSHIP OF PARTIES

It is understood by you that you are a Customer or Licensee only. TFER will not provide any fringe benefits, insurance, vacation or otherwise upon your becoming a member.Any and all of your family, staff employees and associates shall be bound to the same terms as you under this agreement

    10.NON COMPETE

    You cannot compete with the business model of TFER to train others for a profit using TFER materials for 2 years after becoming a member. You cannot sell online training materials and training similar to that of TFER. Violation of this Term allows TFER to obtain necessary restraining orders from a Court of Competent Jurisdiction to stop such unlawful competing.

    11.ENFORCEMENT

    In the event TFER must enforce any breach of these terms and conditions it will be entitled to recovery of reasonable attorneys fees and Court costs associated with such recovery.

    12. CONSENT

    Upon purchasing a course from TFER, you consent to receive emails about content updates, promotions, and various other newsletters.You also consent to allowing your email address to be used in a “look-a-like” audience for Facebook advertising algorithms and other social media channels to find new prospective customers with similar likes and interests.

    13. BONUSES

    Bonuses are to be used during active paid membership and not to be considered a lifetime benefit. Bonuses are meant to upgrade the consumer’s experience during the time of service and not to be used or claimed once services are terminated.

    14. PROMOTIONS (subject to change)

    1. Eligibility:
    – Promotion may be open to individuals aged 18 years or older who meet the requirements outlined in these terms and conditions. Employees of The Financial ER and their immediate family members are not eligible to participate.

    2. Promotions may not be combined with other discounts

    3. Promotions may be subject to at any given point without any notice.

     

    4. Entry Method:
    – To take advantage of any offers or promotions, participants must sign up for the Credit Repair & Coaching program through the designated sign-up process provided by The Financial ER. Only sign-ups received during the promotion period will be eligible for the special pricing.

    5. Payment and Billing:
    – Participants will be required to provide valid payment information during the sign-up process.
    – Participant’s membership will be automatically charged to the participant’s provided payment method until cancellation.
    – The Financial ER reserves the right to adjust the pricing of the program with prior notice to participants.

    6. Cancellation and Refunds:
    – Participants may cancel their subscription at any time during the promotional period or after the initial 30 days by following the cancellation procedure outlined by The Financial ER.

    7. Limitation of Liability:
    – The Financial ER and its affiliates shall not be held liable for any losses, damages, or injuries incurred as a result of participating in this promotion or using the Credit Repair & Coaching program.

    8. Governing Law:
    – These terms and conditions shall be governed by and construed in accordance with the laws of [california]. Any disputes arising from or in connection with this promotion shall be subject to the exclusive jurisdiction of the courts of [Rverside County]
    If you need any further assistance, feel free to ask!

     

    By enrolling in our Credit Repair & Coaching program, you acknowledge that Smart Credit is an affiliate of The Financial ER and is a mandatory requirement. As a participant, you agree to pay a monthly fee of $27.95 directly to Smart Credit Monitoring, a trusted consumer direct company. This fee covers comprehensive credit monitoring services throughout your journey. Please review and accept these terms to proceed with enrollment. For any queries, contact our support team

     

    LEGAL NOTICE

    UPON REVIEW AND READING OF THESE TERMS YOU INDIVIDUALLY AND AS A MEMBER IN ANY CAPACITY WILL BE LEGALLY BOUND BY THE TERMS AND CONDITIONS HEREOF.YOU SHOULD SEEK YOUR OWN LEGAL COUNSEL BEFORE BECOMING A MEMBER OR PURCHASING ANY PRODUCT FROM THE FINANCIAL ER OR ITS RELATED ENTITIES.

    Thank you for your business with THE FINANCIAL ER.

    Ricardo Soto, Managing Member.