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The following terms (“Terms of Use”) constitute an agreement between Clo Bare, LLC (“Clo Bare”), and you that governs your use of this website and all of its associated services, content, and functionality. This policy applies to the websites administered by Clo Bare, LLC (“Website”), located at thelazyinvestorscourse.com and clobare.com.

Your use of the Website constitutes your acceptance of, and agreement to, the following Terms of Use. Clo Bare reserves the right to modify, alter, amend or update its Website, policies and these Terms of Use. These Terms of Use are subject to change without notice. If you do not agree with or do not accept any part of these Terms of Use, you must not use the Website and/or any affiliated products, such as any Financial Coaching package (“Coaching”) or The Lazy Investors Course ("Course") or Digital Product ("Digital Product").

PURCHASE POLICIES

On the Website, you may purchase products (“Products”), such as registrations for live programs, courses and recorded webinars. If you register for a live program, you must attend live. This requirement will be indicated prior to your registration.

REFUND & RETURN POLICY

Refunds are not available for Products or Coaching. The Course has a 30-day money back guarantee, but you must have completed the first four modules to receive a refund. Please contact Chloe at clobare.com to begin your 30-day money back guarantee. This is the ONLY way to receive a refund/return. Our digital products have a 7-day guarantee.

FULFILLMENT POLICY

Once you have purchased the course or product, you will receive an email with your login within an hour. Please check your spam folder.

LICENSE FOR USE OF PRODUCTS

All Products available for sale on the Website were developed solely for your personal use and may not be reproduced for publication or for the personal or commercial use of others without permission.

GENERAL DISCLAIMER

Clo Bare has made every effort to ensure that all information on the Website and course has been tested for accuracy. Clo Bare makes no guarantees regarding the results that you will see from using the information provided on the Website, Course, or Product.

CONTENT DISCLAIMERS

All information on the site is provided for entertainment and informational purposes only and should not be considered advice. Do not make investment decisions based on the information provided on the Website or courses purchased through the website or Chloe Daniels, such as a The Lazy Investors Course, or Financial Coaching Session, or Digital Products. The Website, Course, Products, and Coaching may discuss topics related to finance and investing. This information is not advice and should not be treated as financial and investing advice. The information provided on the Website, Products and Course are provided “as is” without any representations or warranties, express or implied. The Website, Products and Course make no representations or warranties in relation to the financial and investing information on the Website or Course.

You must not rely on the information on the Website, Products or Course as an alternative to advice from a certified public accountant or licensed financial planner. There is no accountant-client relationship created from the publication of financial or investing information on the Course, Product or Website. You should never delay seeking financial advice, disregard financial advice, or discontinue professional financial services as a result of any information provided on the Product, Website or Course.

YOUR RESPONSIBILITY

The Website, Course, Product and Coaching Sessions were developed strictly for informational purposes. You understand and agree that you are fully responsible for your use of the information provided on the Website and Course. Clo Bare makes no representations, warranties, or guarantees. You understand that results may vary from person to person. Clo Bare assumes no responsibility for errors or omissions that may appear on the Website and Coaching.

LIMITATION OF LIABILITY

CLO BARE WILL NOT BE LIABLE FOR ANY CONSEQUENTIAL, INCIDENTAL, INDIRECT, EXEMPLARY, PUNITIVE OR SPECIAL DAMAGES OF ANY KIND, HOWEVER CAUSED, INCLUDING LOSS OF PROFITS, REVENUE, DATA OR USE, INCURRED BY YOU, WHETHER UNDER THEORY OF CONTRACT, TORT (INCLUDING NEGLIGENCE), WARRANTY OR OTHERWISE, EVEN IF THE OTHER PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

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You agree to defend, indemnify and hold Clo Bare, its members, employees, officers, directors, managers and agents harmless from and against any and all losses, claims, suits, actions, liabilities, obligations, costs and expenses (including reasonable attorneys’ fees and expenses) which Clo Bare suffers as a result of third-party claims based on: (i) your negligence or intentional misconduct, (ii) your breach of any provision of the Terms of Use (including representation or warranty); (iii) materials prepared or provided by you including, but not limited to, any claims of infringement, or misappropriation of copyright, trademark, patent, trade secret, or other intellectual property or proprietary right, infringement of the rights of privacy or publicity, or defamation or libel; or (iv) death, personal injury, or property damage arising out of, or relating to, your obligations hereunder.

MISCELLANEOUS PROVISIONS

If any provision(s) of the Terms of Use is held to be invalid, illegal or unenforceable, the remaining provisions shall be severable and enforceable. If a provision is excessively broad, such a provision shall be limited or reduced in scope so as to be enforceable.

The Terms of Use may not be assigned by you without Clo Bare’s prior written consent, however, the Terms of Use may be assigned by Clo Bare in Clo Bare’s sole discretion.

The Terms of Use are the final, complete and exclusive agreement of the parties with respect to the Website and Products offered by Clo Bare, LLC.

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