Terms of Service

1. Parties & Acceptance

These Terms of Service ("Terms") constitute a binding agreement between Financiario LLC ("Financiario," "we," "us," or "our"), a California limited liability company, and you, the individual or entity accessing or using any platform operated by Financiario LLC.

Oana Labes, MBA, CPA, Founder & CEO of Financiario LLC, operates oanalabes.com and courses.oanalabes.com. All services, courses, coaching, digital products, and advisory services available through these domains are provided by Financiario LLC.

By accessing any platform, creating an account, or purchasing any product or service, you confirm that you have read, understand, and agree to be bound by these Terms, our Privacy Policy, and our Earnings Disclaimer. If you do not agree, do not use our platforms.

We reserve the right to modify these Terms at any time. Continued use of the platforms following notice of any changes constitutes your acceptance of the revised Terms.

2. Eligibility

You must be at least 18 years of age and legally capable of entering into a binding contract to use our platforms or purchase any product or service. By using our platforms, you represent and warrant that you meet these requirements.

Our platforms are not directed at children under 18. If we learn that we have collected personal information from anyone under 18, we will delete it promptly. To report a concern, contact us at support@financiario.com.

3. Description of Services

Financiario LLC provides the following categories of services and products:

• Strategic financial planning platform (Financiario) — automated dashboards, forecasting models, board-ready reporting, and financial intelligence infrastructure delivered via Power BI and integrated data systems.
• CEO Financial Intelligence Academy — educational programs, courses, cohort training, masterclasses, webinars, and digital downloads designed to help business owners and executives develop financial leadership skills.
• Advisory and done-for-you services — custom financial model builds, dashboard implementation, data population, and strategic CFO-level advisory engagements.
• Digital products — checklists, cheat sheets, workbooks, infographics, and other downloadable educational resources.
• Newsletter and content — The Finance Gem newsletter and associated educational content on LinkedIn, email, and social platforms.

4. Purchase Policies

When purchasing any product or service, you represent and warrant that: (i) any payment information you supply is accurate and complete; (ii) charges incurred will be honored by your bank or payment processor; (iii) you will pay all posted prices including applicable taxes; and (iv) if your initial payment is dishonored, you remain responsible for all charges, including any surcharge arising from the dishonored payment.

4.1 Refund & Cancellation Policy

Digital products and self-paced courses: Refund requests submitted within 30 calendar days of purchase will be honored provided you have not downloaded or completed more than 20% of the course content. No refunds are issued after 30 days or after substantial access to content.

Live programs and cohort enrollments: No refunds after the program start date. If you are unable to attend, you may apply your enrollment credit to a future cohort within 12 months.

Financiario platform and advisory services: Custom engagements are governed by the specific Statement of Work or service agreement executed at the time of engagement. No refunds are issued for work already delivered. Monthly recurring subscription fees are non-refundable for the billing period in which cancellation is made.

To request a refund, contact support@financiario.com with your order details. We aim to respond within 3 business days.

5. Account Registration & Security

Certain areas of our platforms require account registration. You agree to: (i) provide accurate, current, and complete information; (ii) maintain the security and confidentiality of your login credentials; and (iii) notify us immediately at support@financiario.com if you suspect unauthorized access to your account.

We are not liable for loss or damage arising from unauthorized account access. You may be liable to us for losses caused by unauthorized use of your account. We reserve the right to suspend or terminate accounts for violation of these Terms.

6. Intellectual Property

All content, materials, course curricula, financial models, dashboards, frameworks, methodologies, templates, branding, and proprietary systems on our platforms are owned by or licensed to Financiario LLC and are protected by US and international copyright, trademark, and trade secret laws.

Upon purchase of a product, you receive a limited, non-exclusive, non-transferable, revocable license to access and use the product for your personal, internal business purposes only. This license does not permit:

• Reproduction, redistribution, or resale of any content or product;
• Creation of derivative works or competing products based on our content or methodologies;
• Sharing account access with unauthorized third parties;
• Use of our content in training AI models or automated systems without prior written consent;
• Reverse engineering, disassembling, or extracting proprietary dashboard structures or financial model logic.

All trademarks, service marks, and trade names — including "Financiario," "The Finance Gem," "CEO Financial Intelligence Academy," and "Oana Labes" — are the exclusive property of Financiario LLC.

7. User-Contributed Content

By submitting any content to our platforms (comments, testimonials, community posts, feedback), you grant Financiario LLC a worldwide, irrevocable, non-exclusive, royalty-free license to use, reproduce, adapt, publish, translate, and distribute such content in any media, including for marketing and promotional purposes.

You represent that any content you submit: (i) is accurate; (ii) does not infringe any third-party rights; (iii) is not defamatory, harassing, or illegal; and (iv) you have all necessary rights to grant us this license. We reserve the right to remove any content at our sole discretion.

8. Acceptable Use & Prohibited Conduct

You agree not to use our platforms or any product or service to:

• Violate any applicable law or regulation;
• Engage in fraudulent or deceptive conduct, including using financial models or outputs for fraudulent financial reporting;
• Infringe any intellectual property, privacy, or other rights of any third party;
• Transmit malware, viruses, or any harmful code;
• Conduct automated scraping, data mining, or data harvesting without express written permission;
• Share, resell, or sublicense course access or platform credentials to unauthorized parties;
• Reverse engineer or extract proprietary model structures, dashboard architecture, or data logic;
• Harass, abuse, or harm any other user, staff member, or third party.

9. Financial Services Disclaimer — Not Professional Advice

Financiario LLC is not a registered investment adviser, broker-dealer, financial planner, attorney, or certified public accountant in any regulatory capacity. Oana Labes holds an MBA and CPA designation; she does not act in a CPA professional capacity through Financiario LLC. Always consult qualified licensed professionals before making financial, legal, investment, or tax decisions.

10. Sponsored Content & Brand Partnerships

Financiario LLC maintains brand partnerships and may receive compensation (monetary, free products, or services) for sponsored content, webinars, or co-branded materials. All sponsored or compensated content is clearly disclosed in accordance with FTC guidelines.

Sponsorship does not influence the editorial integrity of our educational content. All opinions and methodologies presented are those of Oana Labes and Financiario LLC.

11. Testimonials & Case Studies

12. Third-Party Links & Integrations

Our platforms may contain links to or integrations with third-party websites, tools, and platforms (including but not limited to QuickBooks, Xero, NetSuite, Salesforce, HubSpot, and others). These third-party services are governed by their own terms and privacy policies. Financiario LLC is not responsible for the content, availability, or practices of any third-party service.

13. DMCA / Intellectual Property Takedown Policy

If you believe that content on our platforms infringes your copyright, please submit a notice to support@financiario.com including: (i) identification of the allegedly infringing content; (ii) your contact information; (iii) a statement of good faith belief; and (iv) a statement under penalty of perjury that the information in your notice is accurate and that you are the rights holder or authorized to act on their behalf. We will respond within 48 hours.

14. No Warranties

THE PLATFORMS, PRODUCTS, AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY. WE DO NOT WARRANT THAT THE PLATFORMS WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS.

15. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, FINANCIARIO LLC AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING FROM YOUR USE OF OR INABILITY TO USE THE PLATFORMS OR SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT SHALL FINANCIARIO LLC'S AGGREGATE LIABILITY TO YOU FOR ANY CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR USE OF THE PLATFORMS EXCEED THE TOTAL AMOUNT PAID BY YOU TO FINANCIARIO LLC IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE CLAIM.

16. Indemnification

You agree to defend, indemnify, and hold harmless Financiario LLC, its members, officers, directors, employees, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from: (i) your use of the platforms; (ii) your violation of these Terms; (iii) content you submit; or (iv) your violation of any rights of a third party.

17. Force Majeure

Financiario LLC shall not be liable for any failure or delay in performance due to causes beyond its reasonable control, including but not limited to acts of God, natural disasters, cyberattacks, power outages, internet service disruptions, labor disputes, or governmental actions.

18. Dispute Resolution & Arbitration

These Terms are governed by the laws of the State of California, without regard to its conflict of law provisions.

Any dispute, controversy, or claim arising out of or relating to these Terms, our platforms, or any product or service shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules (for individual consumers) or Commercial Arbitration Rules (for business clients). The place of arbitration shall be Contra Costa County or San Francisco, California.

CLASS ACTION WAIVER: YOU AND FINANCIARIO LLC AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.

Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent actual or threatened infringement of intellectual property rights. Any claim must be filed within one (1) year after the cause of action arises or be permanently barred.

19. Miscellaneous

If any provision of these Terms is held invalid or unenforceable, the remaining provisions shall continue in full force. Our failure to enforce any right or provision shall not constitute a waiver. These Terms constitute the entire agreement between you and Financiario LLC with respect to our platforms and supersede all prior agreements. You may not assign these Terms without our written consent. We may assign these Terms in our sole discretion.

20. Contact