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 and social media administered by Clo Bare (“Website”), located at clobare.com, thelazyinvestorscourse.com, lazymoneymaster.com, instagram.com/clobaremoneycoach, tiktok.com/@clobaremoneycoach, The Money Bare podcast, and any other asset owned by Clo Bare, LLC.
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”), The Lazy Investor’s Course (“Course”) or The Lazy Money Master Bootcamp (“Bootcamp”).
PURCHASE POLICIES
On the Website, you may purchase products (“Products”), such as registrations for live programs, courses and recorded webinars. Certain live programs may require attendance at scheduled times. Such requirements will be disclosed prior to purchase.
REFUND & RETURN POLICY
Refund eligibility depends on the specific product purchased. By purchasing, you agree to the refund terms applicable to that product. Unless explicitly stated otherwise on the applicable sales page/checkout page at the time of purchase, all products and services offered by Clo Bare LLC are non-refundable.
Refund eligibility applies only to the specific product for which a guarantee is expressly stated and does not extend to any other product or service.
The Wealth Freedom Accelerator is a high-touch educational coaching program. All sales are final. No refunds or partial refunds will be issued.
Payment plans are offered as a convenience and do not constitute a subscription. By selecting a payment plan, you agree to pay the full program fee. Failure to complete payments may result in suspension of access and referral to collections where permitted by law.
The Wealth Freedom Accelerator includes a Continuation Guarantee.
If a participant completes the program requirements and has not fully implemented their foundational wealth plan, Clo Bare LLC will extend access to group coaching for up to an additional three (3) months at no additional charge. For purposes of this guarantee, “program requirements” means completion of all required modules and assignments and active participation as outlined below.
To qualify for the Continuation Guarantee, participants must:
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Attend or review replays of at least 80% of scheduled coaching calls
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Complete all required program modules
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Submit required worksheets and action items
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Open and fund their designated investment accounts
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Implement an asset allocation aligned with their Investor Type
The Continuation Guarantee does not include private coaching sessions, additional portfolio audits, or lifetime access. The Continuation Guarantee may be used once and must be requested within 30 days of the program completion date.
Determination of eligibility is made at the sole discretion of Clo Bare LLC.
The Lazy Wealth Planner includes a 7-day limited money-back guarantee.
To qualify for a refund, the purchaser must:
Refund requests submitted after 7 calendar days from the date of purchase are not eligible.
Upon approval, access to the Planner materials may be revoked.
This guarantee applies only to the Lazy Wealth Planner and does not extend to any other product or service.
The Lazy Money Master Bootcamp includes a 30-day conditional money-back guarantee.
To qualify, participants must:
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Complete the first four (4) program modules within 30 calendar days of purchase
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Submit proof of completion
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Submit a written refund request to [email protected] within 30 calendar days of purchase
Refund requests that do not meet all participation requirements will not be approved.
After 30 calendar days, all sales are final and no refunds will be issued.
Approved refunds will result in immediate revocation of program access.
By purchasing any product or service, you agree not to initiate chargebacks or payment disputes with your bank or payment processor. In the event of a chargeback attempt, Clo Bare LLC reserves the right to suspend access to all products and services and to pursue recovery of funds, including collection costs, administrative fees, and reasonable attorneys’ fees where permitted by law.
FULFILLMENT POLICY
Once you have purchased the course or bootcamp, you will receive an email with further instructions including 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 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.
CONTENT DISCLAIMERS
All information on the site is provided for entertainment and informational purposes only and should not be considered advice. All programs, courses, coaching, and materials provided by Clo Bare LLC are educational in nature and are not individualized financial, tax, legal, or investment 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 the Course, Bootcamp or Coaching. The Website, Course, Bootcamp 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 and Course is provided “as is” without any representations or warranties, express or implied. The Website, Course, Bootcamp and Coaching make no representations or warranties in relation to the financial and investing information on the Website, Course, Bootcamp and Coaching.
You must not rely on the information on the Website, Course, Bootcamp and Coaching 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 Website, Course, Bootcamp and Coaching. You should never delay seeking financial advice, disregard financial advice, or discontinue professional financial services as a result of any information provided on the Website, Course, Bootcamp and Coaching .
YOUR RESPONSIBILITY
The Website, Course, Bootcamp and Coaching were developed strictly for informational purposes. You understand and agree that you are fully responsible for your use of the information provided on the the Website, Course, Bootcamp and Coaching. 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, Course, Bootcamp 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.
EARNINGS AND RESULTS DISCLAIMER
Any testimonials, examples, case studies, projections, or statements regarding financial outcomes, investment returns, retirement timelines, net worth growth, debt payoff, or income increases are illustrative only and are not guarantees of future results.
Individual results vary significantly based on income level, savings rate, market performance, economic conditions, personal decision-making, risk tolerance, and implementation.
Clo Bare LLC does not guarantee any specific financial outcome, return on investment, or wealth milestone.
INDEMNITY
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 offered by Clo Bare.
These Terms of Use shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles.
Any dispute arising out of or relating to these Terms of Use or any product or service offered by Clo Bare LLC shall be brought exclusively in the state or federal courts located in San Diego County, California, and you consent to the personal jurisdiction of such courts.
Clo Bare LLC shall not be liable for any failure or delay in performance due to circumstances beyond its reasonable control, including but not limited to acts of God, natural disasters, internet outages, platform failures, illness, governmental actions, labor disputes, or other unforeseen events.
Any dispute arising out of or relating to these Terms shall be resolved through binding arbitration in San Diego County, California.