Terms of Use

Effective Date: January 1, 2026

These Terms of Use (“Terms”) govern your use of the Providence Financial Solutions website and online services.

Providence Financial Solutions (“Providence,” “we,” “us,” or “our”) is operated by Providence Group LLC.

By accessing or using this website, you agree to these Terms.

Purpose of This Website

The Providence website provides information about financial coaching, educational resources, assessments, employer-sponsored programs, and related services.

Website content is provided for general educational and informational purposes.

Information appearing on this website does not, by itself, create a coaching, advisory, fiduciary, legal, tax, investment, insurance, or other professional relationship.

A coaching relationship begins only through the applicable engagement or onboarding process.

Financial Coaching

Financial coaching is educational and action-oriented.

Coaching may help clients understand their finances, organize financial information, manage money, evaluate choices, establish goals, develop financial habits, and take practical steps toward objectives they choose.

The client remains responsible for their financial decisions and actions.

Providence does not guarantee any particular financial result or outcome from coaching.

Professional Services

Providence does not provide legal or tax advice through financial coaching.

Certain financial matters may require assistance from an appropriately licensed or qualified professional.

Services requiring a particular professional license, registration, or qualification are provided only when appropriately authorized and within the applicable scope of that service.

Nothing on this website should be interpreted as a recommendation to disregard professional legal, tax, investment, insurance, accounting, or other qualified advice when such advice is appropriate.

Financial Snapshot

The Financial Snapshot is an educational tool designed to help users consider different areas of their financial lives and identify matters they may wish to explore further.

Assessment results do not constitute:

• a credit score;
• a financial rating;
• an underwriting determination;
• individualized legal or tax advice;
• a guarantee of financial health; or
• a guarantee of any future financial outcome.

Users remain responsible for determining what actions, if any, they wish to take based on their results.

Coaching Purchases

Current pricing, session duration, and other purchase information will be displayed at the time of purchase.

Unless otherwise stated, the standard individual coaching relationship begins with:

Getting Started — $200

An initial coaching session of up to two hours.

After the initial coaching session:

Additional Coaching — $150 per session

Additional coaching sessions are 60 minutes and may be purchased when desired.

There is no required subscription or long-term coaching commitment unless a different arrangement is expressly agreed to in writing.

Applicable scheduling, cancellation, rescheduling, refund, or no-show policies may be presented during checkout, scheduling, or the coaching onboarding process and become part of the applicable transaction or coaching agreement.

Purchasing Coaching for Another Person

You may purchase coaching for another person.

Purchasing coaching does not allow you to:

• require the recipient to participate;
• direct the recipient’s coaching conversations;
• obtain information about what the recipient discusses;
• receive the recipient’s financial information or assessment results; or
• make financial decisions on the recipient’s behalf through Providence.

The recipient independently decides whether to participate and must accept any applicable coaching agreement before receiving coaching.

Payment for another person’s coaching does not make the purchaser a party to that person’s confidential coaching relationship.

Unless otherwise stated at the time of purchase, purchases made for another person are subject to the same applicable payment, expiration, cancellation, and refund terms as other coaching purchases.

Fiscal Fitness Program and Employer-Sponsored Coaching

Fiscal Fitness allows organizations to make financial coaching available to employees or other eligible participants.

Payment or sponsorship by an employer does not give the employer ownership or control over an individual’s coaching conversations.

Additional terms may apply to an employer’s purchase of Fiscal Fitness services and to an employee’s participation in the program.

If those terms conflict with these general website Terms, the more specific written agreement governing the applicable service will control with respect to that service.

Payments

Payments may be processed through third-party payment providers.

By submitting a payment, you represent that you are authorized to use the payment method provided and agree to the pricing and transaction terms displayed at checkout.

Providence does not guarantee the availability or operation of independent third-party payment services.

Scheduling

Coaching availability may vary.

Purchasing coaching does not guarantee availability at a particular date or time unless an appointment has been separately confirmed.

Clients are responsible for providing accurate contact and scheduling information.

Cancellations, Rescheduling, and Refunds

Specific cancellation, rescheduling, no-show, and refund policies may be presented during purchase, scheduling, or onboarding.

Those policies should be reviewed before completing a transaction or scheduling an appointment.

Where a service-specific written agreement contains different terms, that agreement controls for the applicable service.

No Guarantee of Results

Financial outcomes depend on many factors outside Providence’s control, including a client’s circumstances, decisions, actions, income, expenses, market conditions, legal circumstances, and other events.

Providence does not promise or guarantee that coaching, educational materials, assessments, or other services will produce any particular financial result.

Website Accuracy

Providence makes reasonable efforts to provide useful and accurate information but does not guarantee that all website content will always be complete, current, or free from error.

Website content may be updated, modified, or removed without notice.

Third-Party Services and Links

The website may link to or integrate with third-party websites, payment processors, scheduling platforms, or other services.

Providence does not control independent third-party services and is not responsible for their content, availability, security, or privacy practices.

Use of third-party services may be subject to separate terms and privacy policies.

Intellectual Property

Unless otherwise indicated, the website’s original content, branding, graphics, design elements, assessments, educational materials, and other proprietary materials are owned by or licensed to Providence Group LLC.

You may use website content for your personal, noncommercial use.

You may not reproduce, distribute, sell, republish, modify, or commercially exploit Providence’s proprietary materials without permission, except as permitted by law.

Acceptable Use

You agree not to:

• interfere with the operation or security of the website;
• attempt unauthorized access to website systems or accounts;
• submit fraudulent or misleading information;
• use automated systems to abuse, scrape, or disrupt the website;
• introduce malicious software or code;
• impersonate another person; or
• use the website for unlawful purposes.

Privacy

Use of personal information associated with this website is addressed in the Providence Financial Solutions Privacy Policy.

Disclaimer of Warranties

To the extent permitted by applicable law, the website and its general informational content are provided on an “as available” basis without warranties concerning uninterrupted availability or error-free operation.

Nothing in this provision limits obligations that cannot lawfully be limited or waived.

Limitation of Liability

To the extent permitted by applicable law, Providence Group LLC and Providence Financial Solutions will not be liable for indirect, incidental, special, consequential, or similar damages arising solely from use of or inability to use the website or reliance on its general informational content.

This provision does not exclude or limit liability where such exclusion or limitation is prohibited by applicable law.

Any additional limitations relating to paid coaching or other professional services should be addressed in the agreement governing those services.

Changes to These Terms

Providence may update these Terms as the website, services, or applicable requirements change.

The effective date at the top of this page will identify the current version.

Continued use of the website after revised Terms become effective constitutes acceptance of the revised Terms to the extent permitted by applicable law.

Governing Law

These Terms are governed by the laws of the State of Texas, without regard to conflict-of-law principles, except where applicable law requires otherwise.

Contact

Questions concerning these Terms may be directed to:

Providence Financial Solutions

Operated by Providence Group LLC

Email: [email protected]

Website: pfsols.com