The following terms and our privacy policy available at https://clobare.com/privacy-policy (collectively, “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. These Terms of Use apply to the websites and social media administered by Clo Bare, located at clobare.com, thelazyinvestorscourse.com, lazymoneymaster.com, instagram.com/clobaremoneycoach, tiktok.com/@clobaremoneycoach, The Money Bare podcast, our private online communities, live and recorded training sessions, and any other asset owned by Clo Bare (collectively, the “Services”). All such websites are collectively referred to as the “Website”.

Your use of the Website constitutes your acceptance of, and agreement to, the Terms of Use. Clo Bare reserves the right to modify, alter, amend, or update its Website, policies, and these Terms of Use. For material changes to these Terms of Use, we will provide notice by email or posting a notice on the Website at least thirty (30) days before the changes become effective. Your continued use of the Services after the effective date of such changes constitutes your acceptance of the revised Terms of Use. If you do not agree with or do not accept any part of these Terms of Use, you must not use the Services, 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.

PAYMENT TERMS

Payments are processed through our website. You are responsible for any transaction fees charged by your bank or payment provider. 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 by their due date may result in suspension of access. Unpaid balances may be referred to collections where permitted by law, and you will be responsible for all collection costs and attorney’s fees incurred by Clo Bare.

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 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, and approved refunds will result in immediate revocation of program access.

Special Terms for the Wealth Freedom Accelerator

The Wealth Freedom Accelerator is a high-touch educational coaching program. All sales are final. No refunds or partial refunds will be issued.

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 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:

• Attend or review replays of at least 80% of scheduled coaching calls
• Complete all required program modules
• Submit required worksheets and action items
• Open and fund their designated investment accounts
• 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 thirty (30) days of the program completion date.

Determination of eligibility is made at the sole discretion of Clo Bare.

Special Terms for the Lazy Wealth Planner

The Lazy Wealth Planner includes a 7-day limited money-back guarantee.

To qualify for a refund, the purchaser must:

• Submit a written refund request within 7 calendar days of purchase to [email protected]
• Provide proof that they completed the Wealth Planner in full

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.

Special Terms for the Lazy Money Master Bootcamp

The Lazy Money Master Bootcamp includes a 30-day conditional money-back guarantee.

To qualify, participants must:

• Complete the first four (4) program modules within 30 calendar days of purchase
• Submit proof of completion
• 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 thirty (30) calendar days, all sales are final and no refunds will be issued.

CHARGEBACKS

By purchasing any Product or Service, you agree not to initiate chargebacks or payment disputes with your bank or payment processor. Any chargeback attempt constitutes a breach of contract. In the event of a chargeback attempt, Clo Bare 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.  

ELECTRONIC COMMUNICATIONS

By using the Services or purchasing any Product, you consent to receive electronic communications from Clo Bare, including emails regarding your account, purchases, updates, and promotional materials. You may opt out of promotional emails at any time by using the unsubscribe link provided in each email or by contacting [email protected].

INTELLECTUAL PROPERTY; LICENSE FOR USE OF PRODUCTS

All intellectual property rights in the Products remain the sole property of Clo Bare. By purchasing Products, you receive a limited, non-transferable, revocable license to access and use the Products for your personal use only. Products may not be reproduced for publication, for your commercial use, or for the personal use of others, unless you have entered into a separate, license agreement with Clo Bare authorizing you to do so and paid the corresponding licensing fees.

Clo Bare reserves the right to revoke access to Products in case of any use in violation of these Terms of Use.

PROHIBITED USES

You may not use the Products or Services for any of the following uses (“Prohibited Uses”):

1. Reproducing, distributing, publicly displaying, selling, or creating derivative works from any Products or materials,
2. Sharing course access, login credentials, or purchased content with others
3. Using the Products for commercial purposes without a separate license agreement
4. Engaging in fraudulent activity, including chargebacks for services received
5. Harassing, threatening, or abusing Clo Bare or other users
6. Interfering with or disrupting the Services or servers
7. Reverse engineering, decompiling, or extracting source code from any software
8. Violating any applicable local, state, federal, or international law

Violation of these Prohibited Uses and these Terms of Use may result in immediate suspension or termination of access to all Products and Services, forfeiture of all fees paid, and legal action to recover damages and attorneys’ fees where permitted by law.

COPYRIGHT INFRINGEMENT CLAIMS

To report copyright infringement, email [email protected] with: (i) a description of the copyrighted work; (ii) the location of the infringing material; (iii) your contact information; (iv) a statement that you have a good faith belief that the use is unauthorized; and (v) a statement under penalty of perjury that you are authorized to act on behalf of the copyright owner. Clo Bare will remove infringing content upon receipt of a valid notice and may terminate repeat infringers’ access.

DISCLAIMER

Content Disclaimer

All information on the Website is provided for entertainment and informational purposes only and should not be considered advice. All programs, courses, coaching, and materials provided by Clo Bare 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 Services and the information provided on the Website and in the Course are provided “as is” without any representations or warranties, express or implied, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. 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.

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 does not guarantee any success, specific financial outcome, return on investment, or wealth milestone from use of the Services or Products.

Third-Party Links

The Services may contain links to third-party websites or resources. Clo Bare does not endorse and is not responsible for the content, products, or services available from such third parties. You access third-party sites at your own risk.

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 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: (A) 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; (B) ANY DAMAGES IN EXCESS OF THE AMOUNTS PAID BY YOU TO CLO BARE IN THE SIX (6) MONTHS PRECEDING ANY CLAIM.

INDEMNITY

To the fullest extent permissible by law, 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 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.

ACCESSIBILITY

You must be at least 18 years old to purchase the Products or use the Services or have verifiable parental consent if under 18. You represent that you are not located in, organized the laws of, or ordinarily resident in a country or territory subject to U.S. economic sanctions or on any U.S. government list of prohibited or restricted parties.

If you require an accommodation to access any Product or Service due to a disability, please contact us at [email protected] with a description of your accessibility needs, and we will work with you to provide reasonable accommodations where feasible.

TERMINATION

Clo Bare may terminate or suspend your access to the Services at any time in case of violation of these Terms of Use. You may stop using the Services at any time. No refunds will be issued upon termination unless otherwise stated in these Terms of Use. If you are on a payment plan and fail to make the required payments, Clo Bare may suspend access until payment is received. Outstanding payment plan obligations remain due upon termination.

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 Services 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, except for the arbitration clause governed by the Federal Arbitration Act.

You and Clo Bare agree that each may bring claims against the other only in an individual capacity and not as a plaintiff or class member in any class or representative action.

Any dispute arising out of or relating to these Terms of Use or any product or service offered by Clo Bare shall be resolved exclusively through binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, in San Diego County, California, before one arbitrator mutually agreed upon between the parties. The arbitrator may not consolidate more than one person’s claims or preside over any form of representative or class proceeding. Each party shall bear its own attorneys’ fees. The arbitrator may award any relief available in court. By exception, either party may see injunctive relief in court for intellectual property infringement. You may reject this arbitration clause by emailing [email protected] within thirty (30) days of first accepting these Terms of Use. Your opt-out notice must include your name and state that you reject the arbitration clause. Opting out will not affect any other terms.

Clo Bare 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.

CONTACT

For questions about these Terms of Use or to exercise any rights described herein, you may contact Clo Bare at [email protected].

All legal notices under these Terms of Use must be sent in writing to the address above.