Terms & Conditions

Terms of Service for 4 Minute Finance LLC

Effective Date: April 28, 2025

Company Legal Name: 4 Minute Finance LLC
Business Address: 30 N Gould St, Suite #11180, Sheridan, WY 82801
Contact: [email protected] | Phone: (561) 594-4150

Acceptance of Terms

By accessing or using the 4 Minute Finance website, membership platform, courses, downloadable content, coaching services, communities, or any related services (“Services”), you agree to be legally bound by these Terms of Use and our Privacy Policy.

If you do not agree, do not use our Services.

No Financial Advice Disclaimer

The content, coaching, courses, and materials provided by 4 Minute Finance LLC are for educational and informational purposes only.

They are not intended as financial, investment, legal, accounting, or tax advice.

You should always consult with a certified financial planner, CPA, or licensed professional before making financial decisions.

Use of our Services does not create a fiduciary relationship.

 IMPORTANT FINANCIAL & EDUCATIONAL DISCLAIMER

4 Minute Finance is a financial education company providing general educational information, resources, tools, and courses related to personal finance, investing, financial literacy, and stewardship. 4 Minute Finance is not a registered investment adviser, broker-dealer, financial planner, tax professional, attorney, or other licensed financial services provider.

The information provided through 4 Minute Finance, including our website, blog, emails, social media, courses, calculators, spreadsheets, and other educational materials, is provided for general educational and informational purposes only and should not be construed as individualized financial, investment, tax, legal, or accounting advice.

Nothing on this website constitutes a recommendation to buy, sell, or hold any particular security, investment, financial product, or other asset. Information presented is not tailored to your individual financial circumstances, investment objectives, risk tolerance, tax situation, or other personal considerations.

Your financial circumstances are unique. Before making significant financial, investment, tax, insurance, legal, or other financial decisions, you should consider consulting with an appropriately qualified and licensed professional who can evaluate your individual situation.

Past performance is not indicative of future results. All investments involve risk, including the potential loss of principal. No investment strategy or financial outcome can be guaranteed.

Results & Testimonials Disclaimer

Any examples, testimonials, case studies, or statements regarding financial improvement, debt reduction, savings, investing, wealth creation, or other results are provided for illustrative and educational purposes only. Individual results will vary and depend on numerous factors, including an individual's financial situation, income, expenses, decisions, behavior, market conditions, time horizon, and other circumstances.

4 Minute Finance does not guarantee any particular financial result or outcome.

Testimonials represent the experiences of the individuals providing them and should not be understood as a representation that any particular result is typical or guaranteed. Where appropriate, 4 Minute Finance will provide additional information regarding the results consumers can generally expect.

This is important because the FTC specifically warns against presenting exceptional testimonials in a way that implies consumers should expect similar results.

Affiliate & Compensation Disclosure

Some links, products, services, or resources recommended by 4 Minute Finance may be affiliate links, meaning 4 Minute Finance may receive compensation if you purchase or sign up through certain links. When applicable, this will be disclosed clearly.

Affiliate relationships do not change our commitment to providing useful educational information. You are never required to purchase through an affiliate link, and you should conduct your own research before purchasing any product or service.

The FTC expects material connections between marketers and endorsers to be clearly and conspicuously disclosed.

4 Minute Finance may partner with or participate in affiliate programs.

We may earn commissions on products or services linked from our site.

This does not affect your purchase price.

PROFESSIONAL BACKGROUND DISCLOSURE

Casey Spell is a physician and U.S. military officer and is the founder of 4 Minute Finance. His professional credentials and experience in medicine and military service should not be interpreted as financial, investment, tax, legal, or insurance credentials. 4 Minute Finance is an educational platform and does not provide individualized financial planning or investment advisory services.

Community Guidelines

By participating in our membership area, private forums, or social media groups, you agree to:

Treat others with respect.

Avoid hate speech, harassment, or spam.

Refrain from giving specific investment advice to other users.

Understand that access to communities is a privilege, not a right.
Violations may result in suspension or termination of your account without refund.

User-Generated Content

By submitting reviews, testimonials, feedback, posts, or any materials to 4 Minute Finance, you grant us a royalty-free, worldwide, perpetual license to use, reproduce, modify, publish, or display such content in marketing, advertising, or other materials.

We reserve the right to edit or remove inappropriate content.

Intellectual Property

All materials, videos, ebooks, templates, and content provided by 4 Minute Finance LLC are protected by copyright laws. 

You may not:

Resell

Redistribute

Repackage

Claim ownership of
any material without prior written consent.

You are granted a limited, non-exclusive, non-transferable license to download and use the materials for your personal educational use only.

Payments, Subscriptions, and Refunds

One-time purchases: Payment is due in full at the time of purchase.

Subscriptions: Automatically renew according to the plan you selected unless you cancel before the renewal date.

Cancellations: You may cancel your subscription anytime through your account settings. Cancellation will apply at the end of the current billing cycle.

Refunds: All sales are final unless otherwise stated in writing.

Eligibility

The website is intended for users aged 13 and older to browse content.

Purchases are restricted to individuals 18 years of age or older.
By making a purchase, you represent that you meet this eligibility requirement.

Limitation of Liability

Under no circumstances will 4 Minute Finance LLC, its owners, or its employees be liable for:

Any direct, indirect, incidental, consequential, or special damages arising from your use of our Services.

Financial losses or other damages resulting from your reliance on our content.

Use of the Services is at your own risk.

Changes to Terms

We reserve the right to update or modify these Terms at any time without prior notice.

Your continued use of our Services after any changes means you accept the updated Terms.

Governing Law

These Terms are governed by the laws of the State of Wyoming and the United States of America.

Any disputes shall be resolved in the state or federal courts located in Wyoming.

Contact Information

For any questions regarding these Terms, please contact:

4 Minute Finance LLC
30 N Gould St, Suite #11180, Sheridan, WY 82801
Email: [email protected]
Phone: (561) 594-4150