FINANCE FRIENDLY™

Legal, Terms & Disclosures

Thank you for visiting FinanceFriendly.com (the “Site”).
The Site is owned and operated by Finance Friendly LLC, a U.S.-based company located in Peoria, Arizona.

By using this Site or any of our products, you agree to the terms, policies, and disclosures on this page. If you do not agree, you should not use the Site or our materials.

1. Accessibility

We want FinanceFriendly.com to be reasonably usable for as many people as possible.

If you have difficulty accessing any part of the Site or our content, please email:

  • Info at FinanceFriendly.com

and let us know how we can help. Where reasonable, we will make good-faith efforts to provide alternatives or assistance.

2. General Terms of Use

By visiting this Site or accessing our content, you agree:

  • You are at least 18 years old or accessing the Site with the supervision and consent of a parent or guardian.
  • You will use the Site for lawful purposes only.
  • You will not attempt to hack, disrupt, or misuse the Site or its content.

These Terms may be updated from time to time. The “Last Updated” date will appear near the bottom of this page. Continuing to use the Site after changes are posted means you accept the updated terms.

If you later enter into a separate written agreement with Finance Friendly LLC (for example, for coaching or consulting), and there is a conflict between that agreement and this page, the separate written agreement will control for that relationship.

3. Educational-Only Content (No Professional Advice)

Finance Friendly™ provides educational and self-reflection tools, including but not limited to:

  • The Friendly Freedom Number™
  • The Friendly Longevity Number™
  • The Two Numbers Model™
  • The Friendly Life Movement™
  • Calculators, worksheets, prompts, and guides

All of these are for personal insight and education only.

We are not:

  • financial advisors
  • investment advisors
  • tax professionals
  • attorneys
  • medical professionals
  • psychologists or therapists

Nothing on this Site or in our products should be taken as:

  • financial, investment, or tax advice
  • legal advice
  • medical or mental health advice
  • a guarantee of results
  • a prediction of lifespan, health outcomes, or earnings

You should consult your own qualified professionals before making decisions about:

  • money, real estate, or investments
  • health, medical treatment, exercise, or supplements
  • taxes, legal matters, estate planning, or business activity

You are fully responsible for your own choices and actions.

4. Earnings & Income Disclaimer

We may sometimes discuss:

  • business ideas
  • real estate strategies
  • email or online income
  • case studies, examples, or stories

Any references to income or financial results are illustrative only.

You should assume:

  • No specific result is promised or typical.
  • Any numbers or examples are not average and are used to demonstrate what is possible, not what is likely.
  • Your results will depend on your skills, effort, decisions, timing, market conditions, and many other factors outside our control.

We cannot and do not guarantee that you will:

  • earn any specific amount of money,
  • close any deals,
  • or generate any income at all.

You accept full risk for your financial decisions.

5. Health, Wellness & Longevity Disclaimer

We sometimes talk about:

  • lifespan planning
  • being present for family milestones
  • exercise, habits, lifestyle, or supplements
  • The Friendly Longevity Number™ or “healthy years” reflections

This content is not medical advice and should not replace your doctor or healthcare provider.

You should always speak with licensed health professionals before making changes to:

  • your diet or supplements
  • exercise routines
  • medical treatment or medications
  • any major health or longevity plan

The Friendly Longevity Number™ and any “Healthy Years” calculations are reflective tools to help you think about your life and future — not predictions, guarantees, or medical recommendations.

6. No Professional-Client Relationship

Using this Site or purchasing our digital products does not create:

  • a financial advisor relationship
  • a doctor–patient relationship
  • a therapist–client relationship
  • an attorney–client relationship

We are providing general educational material, not professional services.
If you need professional services, please hire a qualified advisor directly.

7. Affiliate & Material Connection Disclosure

From time to time, we may recommend products or services from other companies. Some of these recommendations may include:

  • affiliate links
  • referral relationships
  • sponsorships or partnerships

This means we may receive compensation (such as a fee, commission, or credit) if you purchase through our links or choose to work with those recommended providers.

We only promote things we believe may be helpful, but you should always:

  • assume we have a financial relationship
  • do your own research
  • make your own independent decision

You are never obligated to purchase anything we recommend.

8. External Links

Our Site may contain links to third-party websites or resources. We do not control those sites and are not responsible for:

  • their content
  • their policies
  • how they handle data
  • or the accuracy or legality of anything they publish

Links are provided as a convenience.
If you choose to visit external sites, you do so at your own risk and should review their terms and privacy policies.

9. Intellectual Property

Unless otherwise noted, all content on FinanceFriendly.com and in our products is owned or licensed by Finance Friendly LLC, including:

  • text, videos, audios
  • images, graphics, logos
  • calculators, worksheets, frameworks
  • Financial Longevity™, The Friendly Life Movement™, Two Numbers Model™, Friendly Freedom Number™, Friendly Longevity Number™, and related marks

You are granted a personal, non-transferable, revocable license to use our content for your own private, non-commercial purposes.

You may not:

  • copy, reproduce, or distribute our content
  • resell or license our materials
  • share paid content in public or with non-purchasers
  • present our proprietary frameworks as your own

If you wish to license or reuse our content, please contact:

  • info at FinanceFriendly.com

10. User Content (If You Post or Submit Anything)

If you submit comments, testimonials, stories, reviews, images, or other content to us (for example, by email or through the Site), you:

  • confirm that you have the right to share that content
  • grant us a non-exclusive, worldwide, royalty-free, perpetual license to use, display, reproduce, adapt, and create derivative works from that content in our marketing and materials (unless you explicitly request otherwise in writing)

We reserve the right (but are not obligated) to remove content that is illegal, abusive, hateful, or inappropriate in our judgment.

11. Electronic Communications & Email Consent

When you:

  • visit our Site
  • opt in for a free resource
  • purchase a product
  • or contact us

you consent to receiving communications from us electronically, such as:

  • emails
  • site messages
  • program updates
  • marketing offers

You can unsubscribe from marketing emails at any time using the links provided or by contacting us.

We aim to comply with all applicable anti-spam rules, including the U.S. CAN-SPAM Act.

12. International Users (GDPR-Style Note)

Although we welcome visitors from around the world, Finance Friendly LLC is a U.S. company and this Site is operated from the United States.

If you access the Site from outside the U.S.:

  • your information may be processed and stored in the U.S.
  • U.S. and Arizona law will govern your use of the Site and any disputes, as described in these Terms

If your country or region grants you specific data rights (e.g., under GDPR in the EU/UK), you may contact us at info at FinanceFriendly.com to request access, correction, or deletion of personal information we may hold about you, and we will respond in good faith where required by law.

13. Limitation of Liability

To the fullest extent allowed by law:

  • Finance Friendly LLC, its owners, employees, contractors, and affiliates are not liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from your use of the Site or our materials.

If we are found liable for any reason, our total cumulative liability shall not exceed $100 USD.

Your sole remedy for dissatisfaction with the Site or any content is to stop using the Site and our products.

14. Indemnification

You agree to indemnify and hold harmless Finance Friendly LLC from any claims, losses, damages, or expenses (including reasonable attorney’s fees) arising out of:

  • your use of the Site or our products
  • your violation of these Terms
  • your infringement of any third-party rights

15. Governing Law & Dispute Resolution

These Terms are governed by the laws of the State of Arizona and the United States of America, without regard to conflict-of-law rules.

To the extent legally permitted:

  • Any dispute between you and Finance Friendly LLC will be resolved by binding arbitration in Maricopa County, Arizona, USA, under the rules of a recognized arbitration provider.
  • Claims must be brought individually, not as part of any class or collective action.

If arbitration is not permitted by applicable law in your situation, then disputes shall be heard in the state or federal courts located in or nearest to Maricopa County, Arizona, and you consent to that jurisdiction.

16. Copyright & DMCA Notice

All content on this Site is protected by copyright law.

If you believe that material on FinanceFriendly.com infringes your copyright, you may submit a notice under the U.S. Digital Millennium Copyright Act (DMCA) to:

Copyright Agent
Finance Friendly LLC
24654 N. Lake Pleasant Parkway #103-527
Peoria, Arizona 85383
United States

Your written notice should include:

  1. Identification of the copyrighted work you claim has been infringed.
  2. Identification of the material you believe is infringing (with URL or specific location).
  3. Your contact information (name, address, email, phone).
  4. A statement that you have a good-faith belief that the use is not authorized by the copyright owner, agent, or the law.
  5. A statement, under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or authorized to act on their behalf.
  6. Your physical or electronic signature.

We may remove or disable access to the material pending review and may notify the alleged infringer, who may have the right to submit a counter-notification.

17. Changes to These Terms

We may update this Legal, Terms & Disclosures page from time to time.
Changes take effect when posted here.

If you are concerned about updates, you should review this page periodically. Continuing to use the Site after changes means you accept the updated terms.

18. Contact Information

If you have questions about these Terms, disclaimers, or policies, you may contact us at:

Email:

  • info at FinanceFriendly.com

Mail:

Finance Friendly LLC
24654 N. Lake Pleasant Parkway #103-527
Peoria, Arizona 85383
United States

Last Updated: 11/28/2025

© Worldwide Copyright Finance Friendly LLC. All rights reserved.