These Terms & Conditions (“Terms”) govern your access to and use of the Painless Profits website, pages, forms, products, programs, coaching, content, and related services (collectively, the “Services”).
Painless Profits is operated by Planning Solutions International LLC (“Company,” “we,” “us,” “our”). TOAMS Financial is a doing-business-as name of Planning Solutions International LLC.
Contact: [email protected]
Mailing address: 1901 University Blvd W, Jacksonville, FL 32217
By accessing or using the Services, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Services.
Educational/coaching purpose. The Services provide business education, coaching, marketing concepts, and general information.
No investment, tax, or legal advice. Nothing in the Services constitutes individualized investment advice, tax advice, accounting advice, legal advice, or a recommendation to buy/sell any security or implement any particular strategy.
No client relationship. Using the Services, submitting information, or communicating with us does not create an advisory-client, accountant-client, attorney-client, or other professional-client relationship.
No guarantees. We do not guarantee outcomes, performance, revenue, returns, tax savings, or results. Past performance is not indicative of future results.
You may learn about or be offered separate services such as investment advisory services, ongoing financial planning, tax preparation, or wealth management. Those services (if provided) are governed by separate written agreements, disclosures, and fee schedules and are not part of your one-time Painless Profits purchase unless expressly stated in writing.
The Services are intended for adults. You must be at least 18 years old to purchase or use the Services. If we learn you are under 18, we may restrict or terminate your access.
The Services may include one-time purchases of digital products, coaching programs, or other services. Prices are shown at checkout and may change at any time prior to purchase.
You authorize us (and our payment processors) to charge the payment method you provide for your purchase, including applicable taxes where required.
All purchases are final. We do not offer refunds, returns, credits, or chargeback reversals for any reason, except where required by applicable law. This includes (without limitation) change of mind, dissatisfaction, failure to use, inability to attend or complete, or failure to achieve results.
If you experience a genuine access issue with the purchased product, contact us and we will make reasonable efforts to correct the issue
If you initiate a chargeback or payment dispute without first contacting us to resolve the issue, we may suspend or terminate your access to the Services. To the extent permitted by law, you agree we may recover reasonable costs and fees associated with responding to improper disputes.
If the Services include account access, you are responsible for maintaining confidentiality of your login credentials and for all activity under your account. Notify us promptly of any unauthorized access.
All content, materials, templates, videos, downloads, text, graphics, and branding provided through the Services are owned by us or our licensors and are protected by intellectual property laws.
We grant you a limited, non-transferable, non-sublicensable, revocable license to access and use the Services for your personal use or internal business use (as applicable). You may not copy, reproduce, modify, distribute, resell, or publicly display our materials unless expressly authorized in writing.
You agree not to:
violate any law or regulation;
attempt to access non-public systems or accounts;
scrape, reverse engineer, or disrupt the Services;
transmit malware or harmful code;
misrepresent your identity or affiliation with the Company or TOAMS Financial.
By providing your contact information, you consent to receive communications related to your relationship with us, including service messages and marketing messages where permitted by law.
If you opt in to SMS, you consent to receive text messages (including via automated technology where permitted) at the number provided. Message frequency varies. Message and data rates may apply. Reply STOP to opt out; reply HELP for help. Carriers are not liable for delayed or undelivered messages.
We may reference or link to third-party websites or tools. We are not responsible for third-party content, availability, or practices. Your use of third-party services is governed by their terms.
THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS/REVENUE/DATA, ARISING OUT OF OR RELATED TO THE SERVICES.
OUR TOTAL LIABILITY FOR ANY CLAIM RELATED TO THE SERVICES WILL NOT EXCEED THE AMOUNT YOU PAID TO US FOR THE SPECIFIC PURCHASE GIVING RISE TO THE CLAIM.
You agree to indemnify and hold harmless the Company and its owners, officers, employees, contractors, and affiliates from any claims, losses, liabilities, damages, and expenses (including attorneys’ fees) arising from your misuse of the Services, violation of these Terms, or infringement of any rights of another party.
These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles. Before filing any claim, you agree to contact us at [email protected] and attempt in good faith to resolve the dispute informally.
We may update these Terms at any time by posting an updated version on this page and updating the “Last Updated” date. Your continued use of the Services after changes become effective constitutes acceptance.