Last updated: December 26th, 2025
Welcome to Breakthrough Financial Wellness. These Terms & Conditions (“Terms”) govern your use of our website, content, services, and offerings. By accessing or using this website, you agree to be bound by these Terms. If you do not agree, please do not use this website.
About Breakthrough Financial Wellness
Breakthrough Financial Wellness provides educational content, coaching, workshops, webinars, and related resources focused on financial wellness, communication, and relationship-centered money guidance.
All content and services are intended for educational and informational purposes only.
Use of the Website
By using this website, you agree to:
- Use the website only for lawful purposes
- Not misuse, disrupt, or interfere with the website or its security
- Not attempt to access restricted areas or systems
- Not reproduce, distribute, or exploit website content without permission
We reserve the right to restrict or terminate access to the website at any time if these Terms are violated.
Intellectual Property Rights
All content on this website, including but not limited to text, graphics, videos, programs, frameworks, worksheets, logos, branding, and educational materials, is the exclusive intellectual property of Breakthrough Financial Wellness, unless otherwise stated.
The Breakthrough Seven-Layer Framework
The Breakthrough Seven-Layer Framework is a proprietary model developed by Breakthrough Financial Wellness. This framework includes the following layers:
- Societal
- Relational
- Educational
- Behavioral
- Physiological
- Psychological
- Neurological
This framework, its structure, descriptions, language, and application are protected intellectual property. You may not copy, reproduce, modify, distribute, teach, resell, or create derivative works from the framework without prior written consent.
Use of the framework is permitted only for personal educational purposes unless explicitly authorized in writing.
Coaching & Educational Nature of Services
All services provided through Breakthrough Financial Wellness are educational and coaching-based in nature. They are not a substitute for professional financial, legal, tax, medical, or mental health advice.
Participation in coaching, webinars, or programs does not create a fiduciary, therapeutic, or advisory relationship.
Individual results may vary, and no specific outcomes are guaranteed.
User Responsibilities
You acknowledge that:
- You are responsible for your own decisions and actions
- You understand that financial wellness involves personal judgment and responsibility
- You will seek professional advice where appropriate
Breakthrough Financial Wellness is not responsible for decisions made based on information provided through the website or services.
Payments, Programs & Services
If you purchase coaching services, programs, or digital products:
- You agree to provide accurate payment information
- Fees are charged as described at the time of purchase
- Access to services may be revoked if payment is reversed, disputed, or incomplete
Specific refund, cancellation, and rescheduling terms are outlined in our Refund & Cancellation Policy.
Third-Party Tools & Links
This website may include links to third-party websites or tools (such as scheduling platforms, embedded videos, or external resources). We are not responsible for the content, policies, or practices of third-party sites.
Use of third-party services is at your own risk.
Privacy & Cookies
Your use of this website is also governed by our:
These policies explain how we collect, use, and protect your information, including how cookies are managed through CookieYes.
Limitation of Liability
To the fullest extent permitted by law, Breakthrough Financial Wellness shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of this website or participation in our services.
This includes, but is not limited to, financial loss, emotional distress, or business interruption.
Indemnification
You agree to indemnify and hold harmless Breakthrough Financial Wellness from any claims, damages, losses, or expenses arising out of your use of the website, services, or violation of these Terms.
Governing Law
These Terms are governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles.
Changes to These Terms
We reserve the right to update or modify these Terms at any time. Updates will be posted on this page with a revised “Last updated” date. Continued use of the website constitutes acceptance of the updated Terms.
Contact Information
If you have any questions about these Terms & Conditions, please contact:
Breakthrough Financial Wellness
Contact#: (928) 421-1066
Email: jennifer.edwards@btfinancialwellness.com