Last Updated: October 2025
1. Acceptance of Terms
By accessing and using the website financialwellnesswarriors.com and purchasing or participating in any services offered by Path180°, LLC, you agree to abide by these Terms of Use and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this site and services.
2. Our Service
Path180°, LLC provides affordable, online group financial coaching based on the proven principles of the Baby Steps established by Dave Ramsey.
- Affordability: Our group sessions offer access to expert, certified coaching at a fraction of the cost of one-on-one sessions.
- Group Format: Services are delivered in a group setting. While general financial questions are addressed, the service does not guarantee private, individualized consulting time outside of the group format.
3. Financial Disclaimer and Coaching Scope
Our service provides education, motivation, and accountability.
- Not Financial Advice: We are coaches, not licensed financial advisors, attorneys, or accountants. The information provided on this website and in our coaching sessions is for educational and motivational purposes only. It should not be construed as legal, tax, or specific investment advice.
- Your Responsibility: You are solely responsible for all financial decisions and outcomes resulting from the implementation of any principles or strategies discussed in coaching. Consult with a qualified professional before making any major financial decisions.
4. User Conduct
You agree not to use the service to:
- Violate any local, state, national, or international law.
- Harass, abuse, or harm another person, including other members of the group coaching sessions.
- Use or attempt to use another user’s account without authorization.
- Share proprietary coaching materials, log-in details, or session recordings without express written permission from Path180°, LLC.
5. Intellectual Property
All content, course materials, templates, and digital downloads provided by Path180°, LLC are the proprietary property of Path180°, LLC and are protected by copyright laws. You are granted a single-user, non-transferable license for personal, non-commercial use only.
6. Termination
We reserve the right to suspend or terminate your access to our services, without prior notice or liability, for any reason, including without limitation, a breach of these Terms.