Terms of Service

1. RELEASE OF LIABILITY

The client agrees that using any of these financial coaching services is entirely at his/her/their own risk. BrokeLlama LLC services are provided “as is,” without warranty or guarantee of any kind, either expressed or implied, including without limitation any warranty or guarantee from information services, coaching, uninterrupted access, or products and services provided through or in connection with the service.

This service is requested at the client’s own choice and with inherent singular responsibility. Additionally, BrokeLlama LLC is not responsible for any financial loss or gain based on any advice or consulting provided in coaching services.

The client understands that consulting provided are merely suggestions and counsel, but the responsibility of idea implementation and ownership belongs entirely to the client, and the client is therefore responsible for all outcomes, positive or negative, that result from utilizing coaching services.

The client agrees to assume all risks surrounding their financial decisions, including but not limited to student loan repayment decisions, debt payments, financial lifestyles, etc. The client releases and forever discharges BrokeLlama LLC, its officers, agents, employees, and any affiliated parties from any and all liability for any financial loss, gain, or consequence that may arise as a result of the client’s decisions, actions or inactions. This includes, but is not limited to, any costs, expenses, or damages, including reasonable attorney’s fees, incurred by the client. The client acknowledges that they are solely responsible for the outcomes of their financial decisions.

2. INDEMNIFICATION:

The client agrees to indemnify, defend, and hold BrokeLlama LLC harmless from any liability, claim, action, damage, loss, fine, penalty, cost, or expense, including, without limitation, reasonable attorney’s fees, of every kind or nature asserted by any party against BrokeLlama LLC as it relates to the client’s financial responsibilities. This includes, but is not limited to, disputes, legal proceedings, or claims related to financial matters. BrokeLlama LLC shall not be held responsible for any legal consequences that may arise due to the client’s actions, inactions, decisions, or circumstances.

3. DISCLOSURE:

The client acknowledges that by agreeing to these terms, they release and waive certain legal rights that they might otherwise have. The client should read these terms carefully and understand it fully before agreeing.

4. REPRESENTATIONS:

The client represents to BrokeLlama LLC that (i) they have read this release and fully understand its contents and the effect of its terms and provisions, (ii) they agree to this release as their own free act and deed, (iii) with respect to the matters set forth in this release, no oral representations, statements, or inducements other than those expressly contained herein have been made to them by any of the parties involved, (iv) they are over eighteen (18) years of age and fully competent to agree to this release, and (v) they execute this release for complete and adequate consideration, fully intending to be bound by the same (vi) they are located within one of the 50 United States.

5. CANCELLATION , REFUND AND RESCHEDULE POLICY

The client understands the cancelation policy below for appointments made with BrokeLlama LLC:

i. Cancelling before 48 hours of scheduled appointment start time:

Any client cancelations before 48 hours of the originally scheduled appointment start time will be refunded 95% of the original cost of the service. (this is to cover the fees associated with the original appointment). Refunds will be processed in a reasonable and timely manner.

After cancelling, rescheduling will not incur any additional charges as long as it the request for a reschedule reaches BrokeLlama LLC within one (1) hour after the appointment end time.

ii. Cancelling between 48 and 24 hours of scheduled appointment start time:

Any client cancelations between 48 and 24 hours of the originally scheduled appointment start time will be refunded 50% of the original cost of the service.

After cancelling, rescheduling will not incur any additional charges as long as it the request for a reschedule reaches BrokeLlama LLC within one (1) hour after the appointment end time.

iii. Cancelling before 24 hours of scheduled appointment start time:

Any client cancelations before 24 hours of the original scheduled appointment start time will not receive any refund at any point.

After cancelling, rescheduling will not incur any additional charges as long as it the request for a reschedule reaches BrokeLlama LLC within one (1) hour after the appointment end time.

iv. Rescheduling:

You can reschedule your appoint for free at any time before one (1) hour after the scheduled appointment end time. (e.g. If you miss your appointment and it ended at 6:30 PM ET, you can reschedule up until 7:30 PM ET at no additional cost).

Cancelling an appointment is considered separate from rescheduling your appointment, meaning you always cancel your appointment regardless of rescheduling.

Rescheduling does not reset refund amount (if you reschedule and cancel after canceling once or more before, you will get the corresponding refund based on your first cancelation time and first appointment time).

If the client wants to reschedule a missed appointment after not giving a request for rescheduling after one (1) hour after the end time of the scheduled appointment, you will have to pay an additional fee to reschedule.

v. How to cancel or reschedule:

Please contact BrokeLlama LLC using the contact information received in your first confirmation email.

vi. BrokeLlama Cancellations:

If BrokeLlama LLC cancels your appointment at any time or misses your appointment, the client has the right to deny a reschedule in exchange for a full (100%) refund if he/she/they so wish.

6. PARTIAL INVALIDITY:

If any term or provision of this Release shall be held by a court of competent jurisdiction to be illegal, unenforceable, or in conflict with any law governing this Release, then I (we) agree that all remaining terms and provisions shall not be affected thereby.