​

Last Updated: May 27, 2026
 

Welcome to Chula Finance. By accessing this website, booking a consultation, purchasing a service, attending a workshop, or participating in any Chula Finance program, you agree to the following Terms & Conditions.
 

1. Educational Purpose

Chula Finance provides financial education, business financial literacy, legacy planning education, coaching, workshops, and related services. All information provided through this website, consultations, courses, workshops, digital materials, or other communications is for general educational and informational purposes only.
 

Chula Finance does not provide legal, tax, accounting, investment advisory, or credit repair services unless specifically stated in a separate written agreement.
 

2. No Guarantee of Results
 

Chula Finance does not guarantee specific financial outcomes, credit improvements, funding approvals, insurance approvals, business results, income increases, or investment performance.
 

Any examples, testimonials, case studies, or client experiences shared are for informational purposes only and do not guarantee that you will achieve the same or similar results. The FTC states that endorsements and testimonials must be truthful and not misleading, and that broad “results may vary” language alone may not fix a misleading impression.
 

3. Insurance Products and Services
 

If insurance products are discussed or offered, they are subject to underwriting approval, carrier guidelines, policy terms, limitations, exclusions, and state availability. Chula Finance may provide general insurance education and, where properly licensed, may assist with insurance-related options.
 

Insurance coverage is not guaranteed. No insurance policy is in force unless and until an application is approved by the issuing insurance carrier and any required premium is paid.
 

In North Carolina, agent-created written advertisements that describe a life insurance policy generally must be filed with and approved by the home office of the insurer before use, and advertisements must follow state insurance advertising rules.
 

4. Business Funding and Credit Education
 

Chula Finance may provide education on business structure, funding readiness, business credibility, alternative funding strategies, and financial literacy for entrepreneurs. Chula Finance does not guarantee that any person or business will qualify for funding, financing, grants, lines of credit, loans, or business credit.
 

Funding decisions are made by lenders, grantors, financial institutions, or third-party providers based on their own requirements.
 

5. User Responsibilities
 

By using this website or our services, you agree to provide accurate and truthful information. You are responsible for your own decisions, actions, applications, business filings, financial choices, and use of any information provided by Chula Finance.
 

You agree to consult with the appropriate licensed professionals, including attorneys, tax professionals, accountants, investment advisors, insurance professionals, or other qualified experts, before making major financial, legal, tax, business, or insurance decisions.
 

6. Payments, Cancellations, and Refunds
 

Fees for Chula Finance services, programs, consultations, workshops, or digital materials will be clearly stated before purchase or booking.
 

Unless otherwise stated in writing:

• Payments are due before services are provided.

• Missed appointments may need to be rescheduled.

• Refunds are not guaranteed after services, consultations, workshops, or digital materials have been delivered.

• Payment plans, if offered, must be paid according to the agreed schedule.
   

7. Appointments and Scheduling
 

Clients are responsible for booking appointments through the scheduling link or other approved booking method. Chula Finance reserves the right to reschedule appointments due to emergencies, scheduling conflicts, or business needs.
 

If you need to cancel or reschedule, please provide reasonable notice.
 

8. Digital Materials and Intellectual Property
 

All Chula Finance content, including but not limited to website copy, course materials, worksheets, guides, videos, presentations, graphics, logos, branding, and digital downloads, is owned by Chula Finance unless otherwise stated.
 

You may not copy, reproduce, distribute, sell, teach, modify, or share Chula Finance materials without written permission.
 

9. Third-Party Links and Tools
 

This website may include links to third-party platforms, including scheduling tools, payment processors, email platforms, social media pages, or other websites. Chula Finance is not responsible for the content, privacy practices, security, or policies of third-party websites or platforms.
 

10. Website Use
 

You agree not to misuse this website, attempt to interfere with its operation, submit false information, copy website materials without permission, or use the website for unlawful purposes.
 

11. Limitation of Liability
 

To the fullest extent permitted by law, Chula Finance is not liable for any direct, indirect, incidental, financial, business, legal, tax, or consequential losses resulting from your use of this website, services, courses, workshops, materials, or information provided.
 

Your use of Chula Finance services and materials is at your own discretion and risk.
 

12. Changes to These Terms
 

Chula Finance may update these Terms & Conditions at any time. Updates will be posted on this page with a revised “Last Updated” date.

Continued use of the website or services means you accept the updated terms.