The Financial Pivot is owned and operated by Synergy Consulting Group, LLC.
These are the terms and conditions for: https://thefinancialpivot.com
By using the website and purchasing our courses, you agree to be bound by these terms.

In these terms:

- “Website” refers to The Financial Pivot website

- “We”, “us”, “our” refers to Synergy Consulting Group, LLC

- “You” refers to the user or purchaser

- “Courses” refers to online courses offered on the website

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE ACCESSING, USING, OR OBTAINING ANY MATERIALS, INFORMATION, OR PRODUCTS.

Acceptance of Terms

By accessing the website and purchasing courses, you represent and warrant that:
● You are at least eighteen (18) years of age and have full legal capacity to accept these Terms.
● Your use of the website and purchase of courses is in compliance with all applicable laws and regulations.
We reserve the right to deny access to any user at any time. You acknowledge that The Financial Pivot does not provide personalized financial, legal, tax, or investment advice.

Communications and Newsletter

By providing your email, you consent to receive:
● Notifications, updates, educational content, and promotional offers.
You may unsubscribe at any time via the link in emails or by contacting us. All communications comply with the CAN-SPAM Act.

Course Purchase and Payment

● Payments are processed securely via GoHighLevel and associated processors.
● Course access is granted after successful payment, typically immediately.
● Access is personal, non-transferable, and for individual, non-commercial use only.

Refund Policy

Due to the digital nature of our courses, all sales are final unless otherwise stated at the time of purchase. Refund terms for specific promotions will be disclosed and control over general policy.

Course Copyright and Intellectual Property

● All content (videos, text, graphics, worksheets, downloads) is the exclusive property of Synergy Consulting Group, LLC.
● Purchase grants a limited, non-exclusive, non-transferable license for personal use.
● Copying, sharing, modifying, or commercializing materials without consent is prohibited.

Website Copyright

All website materials, including logos, text, images, and software, are owned or licensed by Synergy Consulting Group, LLC and protected by intellectual property law. Unauthorized use is strictly prohibited.

Copyright Complaints (DMCA)

If you believe content infringes your copyright, submit a DMCA notice containing all required information under 17 U.S.C. §512 to our contact information.

Prohibited Activities

You agree not to:
● Use the website for unlawful purposes
● Copy, scrape, or automate access to content
● Share login credentials
● Circumvent security features
● Infringe intellectual property rights
● Interfere with website operation or integrity

Educational Purpose Only – No Professional Advice

All content is for educational and informational purposes only.
● We are not registered financial advisers, legal advisers, or certified planners.
● Content is not personalized advice.
● Users are responsible for their own financial decisions.

Earnings and Results Disclaimer

Any examples, testimonials, or illustrations of financial outcomes are not typical and for illustrative purposes only. We make no guarantees regarding results. Individual outcomes vary depending on effort, experience, and financial circumstances.

Disclaimer of Warranties

Website and courses are provided “as is” and “as available”. We make no warranties, express or implied, regarding accuracy, completeness, or fitness for a particular purpose.

Limitation of Liability

To the maximum extent permitted by law, Synergy Consulting Group, LLC shall not be liable for indirect, incidental, consequential, or special damages. Liability for fraud, willful misconduct, or obligations that cannot be excluded remains unaffected.

Third-Party Websites and Services

Website may contain links to third-party websites or services. We are not responsible for their content, policies, or practices. Interaction with third parties is at your own risk.

Indemnification

You agree to indemnify and hold harmless Synergy Consulting Group, LLC, its officers, employees, and agents from claims, losses, damages, or expenses arising from:
● Your use of the website
● Violation of these Terms
● Violation of any law or third-party rights

Dispute Resolution and Arbitration

● Disputes should first be attempted to be resolved through good-faith written communication.
● Unresolved disputes will be handled via binding arbitration under the American Arbitration Association rules in New Jersey, USA.
● Arbitration is individual-only, not class-action.

Applicable Law and Jurisdiction
These Terms are governed by the laws of New Jersey, USA, without regard to conflict-of-law principles.

Changes and Termination

● Terms may be updated at any time; continued use constitutes acceptance.
● Access may be terminated for violation of these Terms.

Personal Data and Cookie Policy

● Personal information is handled in accordance with our Privacy Policy.
● Cookies and tracking may be used for analytics, performance, and marketing.
● Consent is obtained where required by law (e.g., EU/EEA users).

International Users

● Our website and courses are primarily intended for U.S. residents.
● International users may access content at their own risk and must comply with local laws.
● Personal data may be processed in the U.S., where privacy laws may differ.
● EEA/GDPR users and other international users retain rights under applicable data protection laws.

Contact Information

Synergy Consulting Group, LLC – The Financial Pivot
Address: 7855 Blvd East #10i, North Bergen, NJ 07047
Email: [email protected]