Financial Readiness™ — Terms of Use

1. Purpose of Financial Readiness™

Financial Readiness™ is a guided financial check-up designed to help individuals and couples reflect on how they relate to money, align expectations, and make clear, shared financial decisions during life transitions.

This experience is intended to support calm discussion, understanding, and intentional decision-making. It is not designed to evaluate, judge, or score participants.

2. What Financial Readiness™ Is — and Is Not

Financial Readiness™:

• Supports reflection and conversation around financial values, priorities, and decisions
• Helps participants articulate agreements and identify areas that benefit from discussion

Financial Readiness™ does not:

• Provide financial, investment, legal, or tax advice
• Create financial plans, forecasts, or guarantees of outcomes
• Make decisions on behalf of participants
• Replace professional advice where appropriate

All financial decisions remain the responsibility of the participants.

3. Use of Assessments and Reflections

Any reflections, responses, alignment views, or summaries generated through Financial Readiness™:

• Represent participants' perspectives at a specific point in time
• Are descriptive, not evaluative
• Are intended to guide conversation, not prescribe action

There are no right or wrong answers. Differences in perspectives are normal and are treated as signals for discussion, not as indicators of compatibility or risk.

4. Role of the Facilitator

Facilitators associated with Financial Readiness™ support participants by:

• Guiding discussion
• Highlighting patterns or themes
• Encouraging clarity and calm decision-making

Facilitators do not:

• Make decisions for participants
• Direct or require specific financial actions
• Provide personalized investment, legal, or tax advice through this process

Any professional insights shared are intended to support reflection and understanding only.

5. Financial Readiness Document

The Financial Readiness Document:

• Summarizes reflections, alignment, and decisions made together
• Serves as a conversation guide and reference point
• Reflects a snapshot in time and may need to be revisited as circumstances change

This document is not a financial plan, recommendation, or guarantee of future outcomes.

6. Responsibility and Agency

Participants acknowledge that:

• They remain fully responsible for all financial decisions they make
• Financial Readiness™ does not guarantee outcomes or prevent future disagreements
• Life circumstances, priorities, and financial conditions may evolve over time

Financial Readiness™ is designed to support clarity — not certainty.

7. Emotional Safety and Pace

Participants are encouraged to:

• Take their time
• Pause or return later if topics feel emotionally charged
• Use the experience as a starting point, not a conclusion

If a discussion feels difficult, participants may choose to seek additional professional or personal support.

8. Limitation of Liability

To the fullest extent permitted by law, Financial Readiness™ and its facilitators are not responsible for decisions made by participants or outcomes resulting from those decisions.

The experience is provided as a guided reflection and conversation framework only.

9. Updates and Revisions

These Terms of Use may be updated from time to time to reflect improvements or clarifications. Continued use of Financial Readiness™ indicates acceptance of the most recent version.

10. Contact

If you have questions about these Terms of Use or the Financial Readiness™ experience, please contact:

support@financialreadiness.id