Terms of Service

1. Acceptance of Terms

By accessing or using the NorthStar Financial Education website (northstarfinancialeducation.com) and any associated services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services.

2. Description of Services

NorthStar Financial Education provides financial coaching and education services, including but not limited to: group coaching programs, individual coaching sessions, downloadable resources, blog content, and educational materials. Our services are educational in nature and do not constitute financial advice, investment advice, tax advice, or legal advice.

3. Financial Education Disclaimer

IMPORTANT: Please read this section carefully.

NorthStar Financial Education is a financial coaching and education company. We are NOT a registered investment adviser, broker-dealer, financial planner, or tax advisor. The information provided through our website, programs, tools, and coaching sessions is for general educational purposes only and should not be considered personalized financial advice.

NorthStar Financial Education is not affiliated with any registered investment advisory firm in any advertising capacity. NorthStar Financial Education does not provide investment management services or securities recommendations.

You should consult with a licensed investment adviser, tax professional, or legal counsel before making any financial decisions. Past results shared in testimonials, success stories, or case studies do not guarantee future outcomes. Individual results vary based on personal circumstances, income, debt level, and commitment to the program.

4. User Accounts and Registration

Some features of our website may require you to create an account or provide personal information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to provide accurate and complete information and to update it as necessary.

5. Payment and Refund Policy

Payment for coaching programs and services is due as specified at the time of purchase. We offer payment plans for select programs. All prices are listed in US dollars.

Do-The-Work Guarantee: If you complete all 12 weeks of the program, attend every session, and complete all assigned work, and you have not seen meaningful improvement in your financial situation, we will refund your full investment. This guarantee requires documented participation in all program activities.

30-Day Unconditional Refund: If you decide the program is not right for you within 30 days of enrollment, you may request a full refund, no questions asked.

6. Intellectual Property

All content on this website, including but not limited to text, graphics, logos, the 10-Step Financial Framework, program materials, tools, calculators, and software, is the property of NorthStar Financial Education and is protected by intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content without our express written permission.

7. Confidentiality

We take the confidentiality of information shared during coaching sessions seriously. Personal financial information disclosed during coaching is kept strictly confidential and will not be shared with third parties. In group coaching settings, all participants are expected to maintain the confidentiality of information shared by other participants.

8. Limitation of Liability

To the maximum extent permitted by law, NorthStar Financial Education, its founder, coaches, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services, including but not limited to financial losses resulting from decisions made based on information provided through our programs or content.

9. User Conduct

You agree not to:

• •Use our services for any unlawful purpose
• •Share program materials or recordings with non-enrolled individuals
• •Misrepresent your identity or provide false information
• •Interfere with or disrupt the operation of our website
• •Violate the confidentiality of other participants in group settings

10. Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to this page. Your continued use of our website and services after any changes constitutes acceptance of the revised terms.

11. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the United States. Any disputes arising from these terms or your use of our services shall be resolved through binding arbitration.

12. Contact

For questions about these Terms of Service, please contact us at jonathan.hahn@northstarcapitalinc.com.