Effective Date: March 23, 2026

Welcome to Cheerful Givers Financial Consultants (“Company,” “we,” “us,” or “our”). We provide our website, https://cheerfulgiversfc.com/ (the “Site”), and our financial consulting services to you subject to the following Terms of Use (the “Terms”).

By accessing or using our Site, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree with these Terms, please do not use our Site or services.

1. Acceptance of Terms (18+ Only)

By accessing or using the Site, you agree to these Terms. If you don’t agree, please don’t use the Site.

This Site is intended for adults only. You must be at least 18 years old to use the Site. By using the Site, you represent and warrant that you are 18+ and able to form a binding contract.

2. No Financial Advice Disclaimer (Informational Only; No Fiduciary Relationship)

Everything on this Site is provided for general informational and educational purposes only. It is not individualized financial advice, investment advice, legal advice, or tax advice, and it should not be relied on as a substitute for professional guidance.

Browsing the Site, reading content, downloading resources, submitting a contact form, or emailing us does not create a fiduciary relationship or any professional-client relationship. Any relationship for paid services (if any) is only formed through a separate written agreement.

We are not licensed investment advisors, certified public accountants, or attorneys, and we do not provide:

• Specific investment advice or recommendations regarding securities;
• Legal or tax advice; or
• Debt management or debt settlement services as defined under the Alabama Debt Management Act.

You are responsible for your own decisions. If you need advice for your specific situation, please consult a qualified professional.

3. Bill Automation Disclosure

Our bill automation service is strictly limited to organization and administrative assistance. Cheerful Givers Financial Consultants does not take possession of client funds, does not hold money in escrow, and does not make payments to third parties on behalf of clients. We do not negotiate with creditors to reduce debt or alter payment terms. Our role is to assist you in setting up your own systems to ensure your obligations are met timely.

4. Use of Website

You agree to use the Site only for lawful purposes and in a way that does not interfere with anyone else’s ability to use it.

You agree not to:

• Attempt to gain unauthorized access to the Site, servers, or systems;
• Use any robot, spider, scraper, data mining tool, or other automated means to access, copy, or collect content or data from the Site (except as permitted by a standard search engine’s publicly available crawler);
• Introduce malware or attempt to disrupt the Site’s operation; or
• Use the Site in a way that violates any applicable law, regulation, or third-party rights.

5. Intellectual Property

The Site and all content on it—including text, graphics, logos, branding, designs, templates, tools, downloads, and the overall “look and feel”—are owned by Cheerful Givers Financial Consultants (or our licensors) and are protected by copyright, trademark, and other intellectual property laws.

You may view and use the Site for your personal, non-commercial use. You may not copy, reproduce, republish, distribute, display, modify, create derivative works from, or otherwise exploit Site content without our prior written permission.

6. User Conduct and Compassionate Environment

Our mission is to provide a judgment-free environment. Users are expected to interact with our Site and staff with respect. We reserve the right to terminate access to our services for any user who engages in abusive, fraudulent, or illegal behavior.

7. Limitation of Liability (As Permitted by Alabama Law)

To the maximum extent permitted by Alabama law, Cheerful Givers Financial Consultants is not liable for any direct, indirect, incidental, special, consequential, or punitive damages (including loss of profits, loss of data, or business interruption) arising out of or related to your use of (or inability to use) the Site.

The Site is provided on an “as is” and “as available” basis. While we aim to keep information accurate and helpful, we make no warranties or guarantees about completeness, reliability, availability, or fitness for a particular purpose, and we do not guarantee any specific financial results. Your outcomes depend on your personal circumstances and your own actions.

8. Indemnification

You agree to defend, indemnify, and hold harmless Cheerful Givers Financial Consultants and its owners, officers, directors, employees, contractors, and agents from and against any claims, damages, losses, liabilities, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your use of the Site, (b) your violation of these Terms, (c) your violation of any law or third-party rights, or (d) your financial decisions and actions.

9. Third-Party Links (No Responsibility for External Sites)

The Site may include links to third-party websites, tools, or services for convenience. We don’t control those third-party sites and we’re not responsible for their content, policies, availability, or practices. Accessing third-party links is at your own risk, and you should review the third party’s terms and privacy policy.

(Privacy note: your use of the Site may also be governed by our Privacy Policy, if posted. Please review it to understand how we handle personal information.)

10. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Alabama, without regard to its conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in Alabama.

11. Changes to Terms

We reserve the right to modify these Terms at any time. Any changes will be effective immediately upon posting to the Site. Your continued use of the Site following the posting of changes constitutes your acceptance of such changes.

12. Contact Info

If you have any questions about these Terms, please contact us at:

Cheerful Givers Financial Consultants
Website: https://cheerfulgiversfc.com/
Email: [email protected]