Terms of Service for Collinsworth Group LLC
Effective Date: December 30, 2025
1. Description of Service
Collinsworth Group LLC ("we," "us," or "our") provides services including, but not limited to, a subscription-based newsletter, consulting services, and retail sales through this and other websites. The newsletter focuses on sharing personal experiences regarding saving, investing, taxes, and retirement.
2. Financial and Legal Disclaimer
Informational Purposes Only: All content provided in the newsletter, on this website, and in any related communications is for informational and educational purposes only, and reflects the personal experiences of the authors as U.S. residents.
Not Professional Advice: We are not licensed attorneys, certified financial planners, registered investment advisors, or tax professionals. The content is based strictly on our personal, non-professional experiences and should not be construed as legal, tax, investment, or retirement advice or guidance.
User Responsibility: You must perform your own due diligence, conduct your own research, and consult the appropriate qualified professionals (such as a financial advisor, attorney, or accountant) before making any financial decisions.
No Fiduciary Relationship: Your use of this service does not create a fiduciary or professional-client relationship between you and Collinsworth Group LLC.
Assumption of Risk: Investing involves a high degree of risk, including the possible loss of principal. We are not responsible for any investment decisions made by subscribers.
3. Audience Limitation
This service is intended solely for individuals residing within the United States of America. We do not provide content relevant to, or solicit business from, individuals outside the U.S.
4. Subscription and Payments
Billing: Subscriptions are billed on a recurring basis via our third-party payment processor, Stripe. By subscribing, you authorize us to charge your provided payment method for the applicable subscription fee until you cancel the service.
Cancellations: You may cancel your subscription at any time through Stripe or by contacting us directly. Cancellations will take effect at the end of the current billing cycle.
Refunds: All sales are final. We do not offer refunds for partial subscription periods. We reserve the right to offer refunds or partial refunds at our sole discretion.
5. Intellectual Property and Permitted Use
All content in the newsletter and on the site is the exclusive property of Collinsworth Group LLC and is protected by intellectual property laws. Your subscription grants you a limited, non-exclusive, non-transferable right to access and read the content for your personal, non-commercial use only. You may not copy, modify, redistribute, resell, or republish any content without our express written consent.
6. Disclaimer of Warranties
The service is provided on an "as-is" and "as-available" basis. We make no warranties, express or implied, regarding the accuracy, reliability, or completeness of any information provided.
7. Limitation of Liability
To the maximum extent permitted by law, Collinsworth Group LLC shall not be liable for any direct, indirect, incidental, consequential, or punitive damages (including loss of profits, data, or use) resulting from your use of the service or the information provided therein.
8. Email Compliance
We comply with the U.S. CAN-SPAM Act. All commercial emails will contain a valid physical mailing address. To unsubscribe from the newsletter list, you may reply to the email with the word "Unsubscribe" in the subject line, or follow any other instructions provided in the email footer, or by mail to our physical mailing address. We will honor all opt-out requests within ten (10) business days.
Collinsworth Group LLC
75 Sleepy Hollow Lane
Rochester, New York 14618-4409
9. Governing Law and Jurisdiction
These Terms of Service shall be governed by and construed in accordance with the laws of the State of New York. Any disputes arising from these terms will be resolved in the courts located in Monroe County, New York.
10. General Provisions
If any part of these Terms is found to be invalid or unenforceable, the remaining portions shall remain in full force and effect. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.
11. Dispute Resolution and Binding Arbitration
PLEASE READ THIS SECTION CAREFULLY AS IT AFFECTS YOUR RIGHTS.
Any dispute, claim, or controversy arising out of or relating to these Terms of Service or the breach, termination, enforcement, interpretation, or validity thereof, including the determination of the scope or applicability of this agreement to arbitrate, shall be determined by arbitration in Monroe County, New York, before one arbitrator.
The arbitration shall be administered by JAMS pursuant to its Comprehensive Arbitration Rules and Procedures. Judgment on the Award may be entered in any court having jurisdiction. This clause shall not preclude parties from seeking injunctive relief in an appropriate court of law to protect intellectual property rights.
BY AGREEING TO ARBITRATION, BOTH PARTIES HEREBY AGREE TO WAIVE THEIR RIGHT TO A JURY TRIAL.
12. Changes to Terms
We reserve the right to update these Terms at any time. We will notify subscribers of material changes via email or prominent notice on our website. Your continued use of the service after such modifications constitutes acceptance of the new Terms.
13. Contact Information
For questions regarding these Terms or our services, please contact:
Collinsworth.Group.LLC@gmail.com