Terms and Conditions

Last Modified January 17, 2023

These Terms and Conditions (“Terms”) written on this webpage shall manage your use of our products ("Products"), including but not limited to any course or individual coaching/consulting engagement, and this Website, accessible at bottomlinepf.com and any of its included pages. PLEASE READ THESE TERMS CAREFULLY BEFORE USING THIS WEBSITE OR PURCHASING ANY PRODUCTS. These Terms will be applied fully and affect to your use of the Website and any Product. By using the Website and/or purchasing a Product, you agree to accept all terms and conditions written in here. You must not use the Website or purchase a Product if you disagree with any of these Terms.

Intellectual Property Rights

Bottom Line Personal Finance, LLC (hereinafter, “BLPF, LLC”) owns all the intellectual property rights and materials contained in and on the Website and in and on the Products, including but not limited to the text, content, ideas, and code that appears in and on the Website and in and on the products. This includes photographs and code licensed to BLPF (all rights reserved). BLPF, LLC reserves all rights in regard to its intellectual property rights in the Website, its contents, and its Products.

Restrictions

You are specifically restricted from all of the following:

  • publishing any Website or Product material in any other media without BLPF LLC’s express, written permission to do so;

  • selling, sublicensing and/or otherwise commercializing any Website or Product material;

  • publicly performing and/or showing any Website or Product material;

  • using the Website or Products in any way that is or may be damaging to the Website or Products;

  • using the Website or Products in any way that impacts user access to the Website or Products;

  • using the Website or Products contrary to applicable laws and regulations, or in any way may cause harm to the Website or Products, or to any person or business entity;

  • engaging in any data mining, data harvesting, data extracting or any other similar activity in relation to the Website or Products; or

  • using the Website or Products to engage in any advertising or marketing.

Certain areas of the Website and Products are restricted from being accessed by you, and BLPF, LLC may further restrict access by you to any areas of the Website or Products, at any time, in absolute discretion. Any user ID and password you may have for the Website are confidential, and you must maintain confidentiality as well.

Your Privacy

Please read BLPF, LLC’s Privacy Policy.

No Warranties

The Website and Products are provided "as is," with all faults, and BLPF, LLC expresses no representations or warranties of any kind related to the Website and Products or the materials contained therein.

No Guarantees

BLPF LLC cannot guarantee results; past results do not guarantee future results. BLPF LLC provides advice and recommendations with the goal of helping you better manage your money. Your results depend primarily on your own efforts, discipline, and consistency. Because of this, BLPF, LLC cannot guarantee a particular result for each person reading the Website and/or engaging with Products, including you. You understand and agree that results differ for each person. You fully agree that there are no guarantees for a specific outcome you can expect from using the Website and/or Products' information.

No Legal Advice

THE WEBSITE AND PRODUCTS DO NOT PROVIDE LEGAL ADVICE. The information contained in the Website and Products are provided for informational purposes only, and should not be construed as legal advice on any matter. The transmission and receipt of information and/or communications via the Website and Products or email to Hannah Bell via the Website or Products does not constitute or create a lawyer-client relationship between Hannah Bell and any person. Hannah Bell and BLPF, LLC disclaim all liability in respect to actions taken or not taken based on any or all the contents of the Website or Products to the fullest extent permitted by law. If you need legal advice, I encourage you to reach out to a practicing licensed attorney for such advice.

Limitation of liability

In no event shall BLPF, LLC, nor any of its officers, directors and employees, be held liable for anything arising out of or in any way connected with your use of the Website or Products whether such liability is under contract.  BLPF, LLC, including its officers, directors and employees, shall not be held liable for any indirect, consequential or special liability arising out of or in any way related to your use of the Website or Products.

Indemnification

You hereby indemnify to the fullest extent allowed under the law BLPF, LLC from and against any and/or all liabilities, costs, demands, causes of action, damages and expenses arising in any way related to your breach of any of the provisions of these Terms.

No Endorsements

References or links within the Website and Products to external products or websites does not constitute BLPF LLC’s formal endorsement. BLPF LLC may, from time to time, share information for your review, but BLPF LLC is not responsible for and does not control those external products and/or websites.

Severability

If any provision of these Terms is found to be invalid under any applicable law, such provisions shall be deleted without affecting the remaining provisions herein.

Variation of Terms

BLPF, LLC is permitted to revise these Terms at any time as it sees fit, and by using the Website or Products you are expected to review these Terms on a regular basis.

Assignment

BLPF, LLC is allowed to assign, transfer, and subcontract its rights and/or obligations under these Terms without any notification. However, you are not allowed to assign, transfer, or subcontract any of your rights and/or obligations under these Terms.

Entire Agreement

These Terms constitute the entire agreement between BLPF, LLC and you in relation to your use of the Website and Products, and supersede all prior agreements and understandings.

Governing Law & Jurisdiction

These Terms will be governed by and interpreted in accordance with the laws of the State of New Mexico, and you submit to the non-exclusive jurisdiction of the state and federal courts located in New Mexico for the resolution of any disputes.

If you have a question about these terms and conditions, you should contact BLPF, LLC immediately via email at hannah@bottomlinepf.com