Terms and Conditions for firecrossover.com

Effective Date: 10th December 2024

Last Updated: 10th December 2024

Welcome to firecrossover.com! By accessing or using our services, you agree to the following terms and conditions. Please read them carefully before subscribing.

1. General Disclaimer

1. No Financial Advice:

The content provided on our platform, including templates, blog posts, and community discussions, is for informational purposes only. We do not provide financial, investment, or legal advice.

• Independence: We are not affiliated with or representing any financial institution.

• Personal Responsibility: You agree that any decisions made based on our content or services are solely your responsibility. We cannot be held liable for any financial loss, outcomes, or decisions taken based on the information provided.

2. Description of Service

1. What You Get:

• Access to personal finance ideas and content designed to help you visualize your Financially Independent Retire Early (FIRE) progress.

• Membership to our community for discussions and idea sharing.

• A simple financial template for tracking monthly expenses and passive income.

2. No Additional Guarantees:

• The subscription fee only covers access to the content, template, and community.

• We do not guarantee financial success or specific outcomes.

3. Use of the Template

1. Purpose:

The template is a basic tool to assist you in tracking your financial journey. It is not a comprehensive financial planning tool and should not be used as the sole basis for financial decisions.

2. User Responsibility:

You are responsible for ensuring the accuracy of the data you input and for interpreting the results.

4. Assistance Disclaimer

From time to time, we may provide general assistance or ideas for managing expenses and passive income. However:

1. This assistance is informal and for guidance purposes only.

2. It does not constitute personalized financial advice or services.

5. Subscription Terms

1. Monthly Fee:

Your subscription grants you access to the specified features and content. Fees are non-refundable once paid.

2. Changes to Service:

We reserve the right to modify, update, or discontinue any aspect of the service at any time. We will notify subscribers of any significant changes.

6. Limitations of Liability

1. No Warranty:

The service is provided “as is,” without warranties of any kind, either express or implied.

2. Liability Exclusion:

To the fullest extent permitted by law, we disclaim all liability for any direct, indirect, or consequential losses resulting from the use of our service.

7. User Conduct

1. Community Guidelines:

By participating in our community, you agree to engage respectfully with other members and refrain from posting offensive or inappropriate content.

2. Prohibited Uses:

You may not use the service for illegal activities, spamming, or distributing false information.

8. Intellectual Property

1. Ownership:

All content, templates, and materials provided through the service are the intellectual property of firecrossover. You may not reproduce, distribute, or resell them without our written consent.

9. Termination

We reserve the right to terminate your access to the service if you violate these terms or engage in unlawful or unethical behavior.

10. Governing Law

These terms are governed by the laws of South Africa. Any disputes will be resolved in the courts of South Africa.

11. Contact Information

If you have questions or concerns about these terms, please contact us at:

Social Collective Ltd

dluke@firecrossover.com

By subscribing to and using our service, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.