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FOLC LLC & FOLCsmart.com
Disclaimer

Please read this Disclaimer carefully and in its entirety before using FOLCsmart.com (hereinafter referred to as the “Site”). The Site and its content are owned by FOLC LLC.

PURPOSE: This Disclaimer is here to clearly explain, outline, and layout who we are, what we do, and what we don't do before you use, view, and/or browse the Site and/or purchase or Download any course, program, service, or product offered by us. In short, the purpose of the Site is to provide information & education on personal finance, money management, and financial literacy.

IMPORTANT NOTE: By using the Site in any capacity, you voluntarily agree to this Disclaimer. You agree that you have read (or had the opportunity to read and chose not to), understood, and consented to this Disclaimer. If you have any questions, please contact us at hello@folcsmart.com.

Finally, you must be at least 18 years old and be able to consent to this Disclaimer. If you are under the age of 18, or you do not agree with this Disclaimer as stated herein, please STOP now and do not use this Site or its content. By using the Site, you agree to the Disclaimer as stated herein, regardless of whether or not you have read it.

1. Definitions

• “Company”, “We”, “I”, “Our”, or “Us” means FOLC LLC and FOLCsmart.com.

• “Content” means any and all written, visual, video, or audio information contained on the Site, including, but not limited to, any and all emails received from Wendy (aka Gwendolyn Granger), FOLC LLC, or FOLCsmart.com, and any and all written or downloadable material purchased, viewed, or otherwise offered on FOLCsmart.com, such as blog posts, graphics, designs, documents, information, templates and materials.

• “Purchase”, “Purchased”, “Purchasing”, “Downloading” or “Download” means any Content (as defined herein) or Courses, Services, and/or Products (as defined herein) you paid for and/or copied to your computer, hard drive, cloud system, or another process of downloading data, from this Site (as defined herein).

• “Personal Information” means information that can be used on its own or in conjunction with other information to identify, contact, or locate a person, or to identify an individual in context. For example, personal information includes, among other things, your name, address, email address, telephone number, credit card information, site behavior, etc.

• “Site, Courses, Services, and/or Products” means FOLCsmart.com, including but not limited to Content, email list, social media posts, blog posts, courses, coaching services, guides, eBooks, forms, worksheets, workbooks, downloadable templates and spreadsheets, quizzes or diagnostic tools, online workshops, podcast or video content, and/or website materials available on the Site.

• “Site” means FOLCsmart.com and any and all of its associated pages, tabs, landing pages, forms, or sub-pages.

• “You” or “Your” means the user, customer, or viewer of the Site.

2. Disclaimer

The Site, Courses, and Products are intended for informational and educational purposes only and are not intended as professional advice by us. By accessing and using the Site, Courses, or Products, such use shall constitute your agreement that this content is not professional advice and shall not be relied upon by you as such.

By using the Site, you understand that we are a financial educator and money coach. We are not an attorney, CPA, accountant, financial advisor, investment advisor, certified financial planner (CFP), and/or mental health professional. You should consult a professional in those areas (financial, legal, accounting, etc.) where you live or work to discuss issues or questions pertaining to your particular legal, financial, or business situation.

Accessing or interacting with this Site, including viewing blog posts, videos, emails, or free resources, does not create a client–coach relationship between you and FOLC. A formal coaching relationship is only established once you have signed a written agreement and submitted payment for coaching services.

The Site, Courses, Services, and/or Products are intended for informational & educational purposes only and are not intended as professional advice by us. By accessing and using the Site, Courses, Services, and/or Products, such use shall constitute your agreement that the Site, Courses, Services, and/or Products is not professional advice and shall not be relied upon by you as such.

By using the Site, you understand that we are a financial educator and money coach. We are not an attorney, CPA, accountant, financial advisor, investment advisor, certified financial planner (CFP), and/or mental health professional. You should consult a professional in those areas (financial, legal, accounting, etc.) where you live or work to discuss issues or questions pertaining to your particular legal, financial, or business situation. Our Content is for informational and educational purposes only, and is based on our personal experience. Our Content is not meant as a substitute for professional advice.

Accessing or interacting with this Site, including viewing blog posts, videos, emails, or free resources, does not create a client-coach relationship between you and FOLC. A formal coaching relationship is only established after you have signed a written agreement and submitted payment for coaching services.

3. Affiliate Links/Products

From time to time, we link to products or services we love using affiliate links. This means that we may receive a small percentage or fee for referring you to any product you may purchase from one of those sites. These small fees help sustain our small business. We truly appreciate your support.

4. Sponsored Posts

We may feature sponsored blog posts. If we do, we will clearly state that the post is sponsored and by whom in the post. While we are committed to only featuring sponsored content from companies or products we have tried and loved, we make no warranties, guarantees, or representations as to the effectiveness or safety of said products or services. You should use them at your own risk and make all the appropriate investigations you need to on your own to feel comfortable using them. Please feel free to email us at hello@folcsmart.com if you have any questions about our sponsored posts.

5. Information Is No Substitute for Professional Advice

The Content contained on this Site is not a substitute for the advice of your attorney, physician, medical professional, mental health professional, financial advisor, accountant, or any other professional you consult or should consult. This Site simply contains informational and educational material and information. 

6. No Warranties, Guarantees, or Representations

Although we do our best to maintain the Site and its Content, we do not warranty, guarantee, or represent that our Content or Site, Courses, Services, and/or Products are accurate, complete, reliable, or free of errors or that they pertain to your particular circumstances or health situation. Although we do our best to update the Site, we also cannot guarantee -- due to how rapidly things change -- that all of our Content is up to date or completely accurate.

7. Disclaimer of Liability

To the extent permitted by law, we disclaim any and all liability pertaining to your use, purchase, or download of the Site, Courses, Services, and/or Products. Please use the Site, Courses, Services, and/or Products at your own risk, after making an independent assessment of risk.

8. Testimonials/Examples

The Testimonials or examples on the Site are simply that: examples. While they are all accurate and authentic, we are not making any claims that YOU will experience the same or better results from using or purchasing the Site, Courses, Services, and/or Products. 

9. No Endorsements

Any links to, mentions of, or features of various companies, products, or services are not in any way an endorsement of said company, product, and/or service by us. It does not mean that we guarantee your success, satisfaction, or safety with respect to said company, product, or service. You should only use or do business with one of those companies, products, or services after you have independently investigated it, assessed the applicable risk, and determined you would like to use or try it. 

10. Financial Outcomes & Earnings Disclaimer

We make every effort to accurately represent our products, programs and services. Any financial outcomes, (including but not limited to earnings, spending, savings, or investment returns) stated on the Site are estimates or examples only of what’s possible. They are not guarantees of future results, guaranteed success or a promise that you will experience the same or even similar results. There is no guarantee that past results will be replicated in the future. The failure or success of use of our products, programs and services relies on your own due diligence and efforts. We are not liable for any actions you take or do not take based on the information provided, nor for the success or failure of your financial situation, health, business decisions, or any other outcomes related to your use of our products, programs, or services.

11. Privacy Policy + Terms & Conditions

Please read our Privacy Policy and Terms & Conditions before using the Site. Thank you.

12. Contact Us

If you have any questions about the Disclaimer or its terms, or our Privacy Policy and Terms & Conditions, please email us at hello@folcsmart.com.

Updated on 7/20/2026