Effective Date: August 1, 2025

Welcome to Life & Money, LLC (“we,” “our,” or “us”). These Terms & Conditions (“Terms”)
govern your use of our website and services. By accessing our site or engaging our services, you
agree to these Terms. If you do not agree, please do not use our website or services.

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1. Use of Website
You agree to use this website only for lawful purposes and in a manner that does not infringe the
rights of, restrict, or inhibit anyone else’s use of the website. Misuse of the site, including
hacking, sending spam, or engaging in any unlawful activity, is strictly prohibited.

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2. Services Disclaimer
Life & Money, LLC provides financial coaching, bookkeeping, fractional CFO, and tax
preparation services. We do not provide investment, legal, or insurance advice. Our services are
for informational and educational purposes and should not replace consultation with licensed
professionals specific to your needs.

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3. No Guarantees
While we aim to provide valuable financial guidance, we do not guarantee any specific financial
outcome or result. Each client’s financial situation is unique, and results may vary based on
personal effort, market factors, and compliance with our recommendations.

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4. Client Responsibilities
By using our services, you agree to:

• Provide accurate, complete, and current information.

• Cooperate with requests for documentation or clarification.

• Comply with payment terms as outlined in service agreements or invoices.

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Failure to meet these responsibilities may result in suspension or termination of services.

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5. Payment & Refund Policy
All services must be paid in accordance with agreed payment terms. Automatic billing may
apply for ongoing services. Refunds, if offered, are handled on a case-by-case basis and at our
sole discretion.

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6. Intellectual Property
All content on this website, including but not limited to text, graphics, logos, videos, and digital
downloads, is the property of Life & Money, LLC or licensed to us and is protected by
intellectual property laws. You may not copy, reproduce, or use any content without our prior
written consent.

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7. Limitation of Liability
To the fullest extent permitted by law, Life & Money, LLC is not liable for any indirect,
incidental, or consequential damages resulting from your use of our website or services. We are
not liable for any loss of data, income, or profits arising out of your use of or inability to use our
services.

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8. Confidentiality
We value your trust. All personal and financial information shared with us is treated with strict
confidentiality and in accordance with our Privacy Policy. We may disclose information only
when required by law or with your written consent.

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9. Third-Party Services
Our website and services may link to third-party tools or websites (e.g., payment processors,
software). We are not responsible for the content, terms, or privacy practices of those third
parties. Use them at your discretion.

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10. Termination

We reserve the right to terminate or suspend access to our services or website for any reason,
including violation of these Terms, without prior notice.

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11. Governing Law
These Terms shall be governed and interpreted in accordance with the laws of the
Commonwealth of Virginia, without regard to conflict of law principles.

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12. Changes to Terms
We may update these Terms at any time. Updates will be posted on this page with a revised
“Effective Date.” Your continued use of the website or services after such changes constitutes
acceptance of the updated Terms.

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13. Contact Us
For questions about these Terms or any aspect of our services, please contact:
Life & Money, LLC
Email: willenea@life-moneyllc.com
Phone: +1 240-200-0864
Website: www.life-moneyllc.com
Mailing Address: 5000 Thayer Center Drive, Suite C., Oakland, MD 21550