Terms of Use

Effective Date: Nov. 23, 2024

These Terms of Use govern your access to and use of our website, services, coaching sessions, workshops, and any materials provided, including the Financial Roadmap. By accessing or using our website and services, you agree to be bound by these Terms of Use. If you do not agree, please discontinue use of our services.

1. Scope of Services

This website provides educational services, including financial coaching, workshops, and the creation of tailored Financial Roadmaps. These services are designed to help clients better understand financial concepts, set goals, and explore potential strategies. Our services do not include:

  • Licensed financial advisory or investment management.
  • Insurance brokerage or tax consultancy.
  • Legal advice or representation.

All information provided through our services is for educational purposes only and should not be considered as professional advice. Clients are encouraged to consult licensed professionals before making any financial, investment, or legal decisions.

2. Eligibility

By using our services, you represent that you:

  • Are at least 18 years of age.
  • Have the legal capacity to enter into a binding agreement.
  • Will use our services in compliance with these Terms of Use and applicable laws.

3. Intellectual Property

All content on our website and provided through our services, including but not limited to text, graphics, logos, videos, presentations, and the Financial Roadmap, is the intellectual property of Jay Adrian Tolentino unless otherwise stated. You may not:

  • Copy, distribute, reproduce, or republish any content without prior written consent.
  • Use any content for commercial purposes without authorization.
  • Remove or alter any copyright, trademark, or other proprietary notices.

You are granted a limited, non-exclusive, non-transferable license to use our materials solely for personal, non-commercial purposes.

4. User Conduct

By accessing our website and services, you agree to:

  • Provide accurate and complete information when requested.
  • Use our services only for lawful purposes.
  • Not engage in any activity that disrupts or interferes with our website or services.

You agree not to:

  • Attempt to gain unauthorized access to any part of our systems or networks.
  • Use our website or services for fraudulent or malicious purposes.
  • Share offensive, defamatory, or harmful content through our platforms.

5. Payment and Refund Policy

All payments for coaching sessions, workshops, and services must be made in advance unless otherwise agreed. Payments are subject to the terms outlined in the service agreement or payment details provided at the time of booking.

Refund Policy:

  • Refunds will be issued only as specified in the service agreement.
  • Fees for services already rendered are non-refundable.

For any disputes regarding payments, please contact us at jay@projectfinwell.com.

6. Limitation of Liability

Jay Adrian Tolentino is not responsible for:

  • Financial decisions made based on the information provided through our services.
  • Any losses, damages, or outcomes resulting from the use of our website, services, or materials.
  • Errors, inaccuracies, or omissions in the information provided.

Your use of our services is at your own risk. To the maximum extent permitted by law, Jay Adrian Tolentino disclaims all liability for any direct, indirect, incidental, or consequential damages arising from your use of our services or reliance on the information provided.

7. Disclaimer of Warranties

Our website, services, and materials are provided "as is" and "as available." We make no warranties or representations, express or implied, regarding the accuracy, completeness, or reliability of the information provided.

We do not guarantee:

  • Specific financial outcomes or results.
  • The uninterrupted or error-free operation of our website or services.
  • The suitability of our services for your particular needs or goals.

8. Privacy

Your use of our website and services is subject to our Privacy Policy. Please review the policy to understand how we collect, use, and protect your personal information.

9. Third-Party Links

Our website may contain links to third-party websites or services. These links are provided for your convenience, and Jay Adrian Tolentino does not endorse or assume responsibility for the content, privacy practices, or terms of these external websites. Use of third-party websites is at your own risk.

10. Termination

We reserve the right to terminate or suspend your access to our website and services at any time, without notice, if you violate these Terms of Use or engage in unlawful or harmful behavior. Upon termination, any rights or licenses granted to you under these terms will immediately cease.

11. Dispute Resolution

Any disputes arising from your use of our website or services will be resolved through mediation or arbitration in accordance with the laws of the United Arab Emirates. By using our services, you agree that the UAE courts will have exclusive jurisdiction over any legal proceedings.

12. Changes to These Terms

We may update these Terms of Use periodically to reflect changes in our services or legal requirements. The updated terms will be posted on this page with the "Effective Date" at the top. Continued use of our website or services after changes are made constitutes your acceptance of the updated terms.

13. Governing Law

These Terms of Use are governed by the laws of the United Arab Emirates. Any disputes will be resolved under the exclusive jurisdiction of the UAE courts.

14. Contact Us

If you have any questions about these Terms of Use, please contact us at:

Jay Adrian Tolentino

Email: hey@jayadriantolentino.com

Business Address: 205B Crown Residence, Al Barsha Heights, Dubai, UAE

Phone Number: 0521435522