Terms and Conditions

Effective Date: March 21, 2025

Welcome to Breakthrough Budgets! These Terms and Conditions ("Terms") govern your access to and use of our website located at www.breakthroughbudgets.com (the “Site”), as well as any services, products, content, and digital resources offered through the Site.

By accessing or using this Site, you agree to these Terms. If you do not agree, please do not use our website.

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1. Use of Website

You agree to use this website for lawful purposes only. You must not use this Site:

• To engage in any fraudulent, abusive, or harmful behavior

• To interfere with or disrupt the Site or services

• To copy, scrape, or reproduce any content without permission

We reserve the right to deny access to the site or services to anyone who violates these Terms.

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2. Intellectual Property

All content on this site—including but not limited to text, images, logos, graphics, downloads, templates, and digital products—is the intellectual property of Breakthrough Budgets and is protected under U.S. and international copyright law.

You may not reproduce, distribute, or sell any content without prior written permission. Sharing purchased content (like templates, coaching materials, or downloads) with others is also prohibited unless explicitly allowed.

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3. Purchases and Payments

All prices are listed in U.S. dollars. By purchasing a service or digital product, you agree to provide accurate billing information and authorize us to charge the stated amount using your chosen payment method.

All sales of digital products are final unless otherwise noted. Refund policies for coaching services or custom packages will be clearly outlined at the point of purchase.

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4. No Financial or Legal Advice

The information on this site is intended for educational purposes only. Nothing on this website or in our coaching, templates, or materials should be considered financial, legal, investment, or tax advice.

Please consult a qualified professional before making any financial decisions. See our Disclaimer & Disclosure page for more details.

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5. User-Generated Content

If you submit or post content to the site (e.g., testimonials, comments, or success stories), you grant us permission to use, share, or republish it for marketing or promotional purposes, unless you request otherwise.

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6. Third-Party Links

We may link to third-party websites or services for your convenience. We are not responsible for the content, policies, or accuracy of any external sites. Clicking on these links is at your own risk.

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7. Limitation of Liability

Breakthrough Budgets shall not be liable for any damages arising from your use of the site or services, including but not limited to direct, indirect, incidental, or consequential damages. We make no guarantees as to the availability, functionality, or accuracy of the Site and its content. 

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8. Privacy

Your use of the site is also governed by our Privacy Policy, which explains how we collect and use your personal data. 

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9. Changes to These Terms

We reserve the right to update or modify these Terms at any time. Changes will be effective immediately upon posting. Your continued use of the site after changes are posted constitutes your acceptance of the updated Terms.

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10. Contact Us

If you have any questions about these Terms and Conditions, please reach out:

📧 Email: hello.breakthroughbudgets@gmail.com