Terms and Conditions

Last Updated: April 2025

Welcome to Ray Cole Financial, operated by Ray Cole. These Terms and Conditions govern your use of our website, raycolefinancial.com, and the purchase of our digital products. By accessing or using our site, you agree to these terms. If you do not agree, please do not use our site.

1. Use of Our Website

You may use our site for lawful purposes only. You agree not to:

  • Reproduce, distribute, or modify our content without permission.

  • Use our site to harm others or violate any laws.

  • Attempt to gain unauthorized access to our systems or data.

2. Digital Product Purchases

We offer digital products (e.g., guides, courses) for purchase. By purchasing:

  • You agree to pay the listed price at checkout.

  • You receive a non-exclusive, non-transferable license to use the product for personal use only.

  • You may not share, resell, or distribute the product without our written consent.

3. No-Refund Policy

All sales of digital products are final. Due to the nature of digital downloads, we do not offer refunds or exchanges. Please review the product description carefully before purchasing. If you experience issues accessing your product, contact us HERE, and we’ll assist you.

4. Affiliate Links

Our site contains affiliate links, including through the Amazon Associates Program. We may earn a commission on purchases made through these links at no additional cost to you. See our Affiliate Disclosure for more details.

5. Intellectual Property

All content on this site, including text, guides, and designs, is the property of Ray Cole Financial or its licensors and is protected by copyright laws. You may not reproduce or distribute our content without permission, except for personal use of purchased digital products.

6. Disclaimer of Warranties

Our site and products are provided “as is.” We make no warranties, express or implied, about the accuracy or reliability of our content. Financial advice provided is for educational purposes only and not a substitute for professional advice. Consult a financial advisor before making decisions.

7. Limitation of Liability

Ray Cole Financial, its owner Ray Cole, and affiliates will not be liable for any damages arising from your use of our site or products, including financial losses. Our liability is limited to the amount you paid for a product.

8. Governing Law

These terms are governed by the laws of the United States. Any disputes will be resolved in the courts of the state where Ray Cole Financial is based.

9. Changes to These Terms

We may update these Terms and Conditions from time to time. Changes will be posted on this page with an updated “Last Updated” date.

10. Contact Us

If you have questions about these Terms, reach out HERE.