top of page

Terms & Conditions

Effective Date: 07/20/2026

Welcome to Kay's Financial Architecture ("Company," "we," "our," or "us"). These Terms & Conditions govern your use of our website, products, services, educational materials, coaching programs, and any information provided through this website.

By accessing or using this website, you agree to be bound by these Terms & Conditions. If you do not agree, please discontinue use of this website immediately.

1. Company Information

Kay's Financial Architecture is a Texas-based business providing educational resources, coaching, consulting, speaking services, financial literacy programs, and credit education.

Nothing on this website constitutes legal advice, financial advice, tax advice, lending advice, or a guarantee of any financial outcome.

2. Eligibility

You must be at least 18 years old to purchase services or use this website.

By using this website, you represent that you have the legal authority to enter into this agreement.

3. Educational Purposes Only

All information provided through this website, coaching sessions, digital products, speaking engagements, courses, webinars, downloadable resources, and educational materials is intended solely for educational and informational purposes.

Our services are designed to educate individuals on credit, financial literacy, budgeting, financial wellness, and related topics.

Nothing provided should be interpreted as legal, accounting, tax, lending, investment, or financial advice.

4. No Guarantees

Every financial situation is unique.

We do not guarantee:

  • Credit score increases

  • Loan approvals

  • Mortgage approvals

  • Funding approvals

  • Credit bureau deletions

  • Debt elimination

  • Business funding

  • Financial outcomes

Results depend on many factors outside of our control, including consumer actions, creditor reporting, lending standards, credit bureau policies, and applicable laws.

Past client results do not guarantee future results.

5. Client Responsibility

You agree to:

  • Provide accurate information

  • Respond to requests promptly

  • Review educational materials provided

  • Make your own financial decisions

  • Maintain responsibility for your personal finances

You understand that your participation significantly impacts your results.

6. Payment Terms

Payment is due at the time of purchase unless otherwise agreed in writing.

Recurring memberships will automatically renew until canceled.

Failure to make timely payments may result in suspension or termination of services.

7. Refund Policy

Unless otherwise stated in writing:

Digital products, downloadable resources, courses, memberships, coaching sessions, and educational materials are non-refundable.

Speaking deposits, consulting retainers, and event bookings are subject to the cancellation terms outlined in each service agreement.

8. Intellectual Property

All website content, including but not limited to:

  • Logos

  • Branding

  • Videos

  • Training materials

  • Downloads

  • Worksheets

  • Templates

  • Graphics

  • Photography

  • Copy

  • Educational resources

are the exclusive property of Kay's Financial Architecture and are protected by United States copyright, trademark, and intellectual property laws.

No content may be copied, reproduced, distributed, sold, or republished without prior written permission.

9. Website Use

You agree not to:

  • Copy website content

  • Attempt unauthorized access

  • Introduce malware

  • Use automated scraping tools

  • Misrepresent your identity

  • Interfere with website functionality

  • Use our content for commercial purposes without permission

10. Testimonials

Testimonials appearing on this website represent individual client experiences.

Results vary based on each person's financial circumstances and level of participation.

Testimonials should not be interpreted as guarantees of future outcomes.

11. Speaking Engagements

Speaking requests submitted through this website are requests only and do not constitute a confirmed booking.

Speaking engagements become official only after:

  • A signed agreement

  • Confirmation of availability

  • Receipt of any required deposit

12. Third-Party Links

This website may contain links to third-party websites.

We are not responsible for:

  • Third-party content

  • Privacy practices

  • Products

  • Services

  • Accuracy of information

Users access third-party websites at their own risk.

13. Limitation of Liability

To the fullest extent permitted under Texas law, Kay's Financial Architecture shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising from:

  • Use of this website

  • Educational materials

  • Coaching services

  • Speaking engagements

  • Consulting services

  • Downloadable products

  • Technical issues

Our total liability shall not exceed the amount paid by the customer for the specific service giving rise to the claim.

14. Indemnification

You agree to defend, indemnify, and hold harmless Kay's Financial Architecture, its owners, employees, contractors, affiliates, and representatives from any claims, liabilities, damages, losses, or expenses arising from your use of this website or services.

15. Privacy

Your use of this website is also governed by our Privacy Policy.

By using this website, you consent to the collection and use of information as described in our Privacy Policy.

16. Governing Law

These Terms & Conditions shall be governed by and interpreted under the laws of the State of Texas, without regard to its conflict of law principles.

17. Dispute Resolution

Any dispute arising from these Terms & Conditions shall first be submitted to good-faith mediation.

If mediation is unsuccessful, disputes shall be resolved in the appropriate state or federal courts located within the State of Texas.

18. Severability

If any provision of these Terms & Conditions is determined to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

19. Changes to These Terms

We reserve the right to update or modify these Terms & Conditions at any time without prior notice.

Your continued use of this website constitutes acceptance of any revised Terms.

bottom of page