Terms and Conditions

Introduction
Welcome to MNH Financial Services [DBA The Frugal CrediTnista]. We specialize in providing high-quality Courses, Workshops, and Trainings designed to empower individuals with financial knowledge and skills. By accessing or using our services, you agree to comply with and be bound by the following terms and conditions. Please read them carefully.

PART 1: GENERAL TERMS

• Non-Refundable Purchase: All purchases of courses, workshops, training, and memberships are final and non-refundable. By purchasing, you agree to be added to our mailing list for updates and promotions.
• Access and Use: Access to our materials is for personal use only and is non-transferable. Unauthorized distribution or sharing of our content is strictly prohibited.

• Data Security Measures: We implement a variety of security measures to maintain the safety of your personal information. These include encryption, secure access protocols, and regular security audits to protect against unauthorized access, alteration, disclosure, or destruction of your personal data.

PART 2: PRIVACY AND DATA PROTECTION

• GDPR Compliance: We adhere to GDPR regulations by ensuring that personal data is collected lawfully, transparently, and for legitimate purposes. Users have the right to access, rectify, and erase their data.
• CAN-SPAM Compliance: We comply with the CAN-SPAM Act by providing clear opt-out instructions in all marketing communications and ensuring that our emails are not misleading.

PART 3: USER RESPONSIBILITIES

• Compliance with Laws: Users must comply with all applicable laws and regulations when using our services.
• Prohibited Activities: Users are prohibited from engaging in any activity that disrupts or interferes with our services.

• Access and Correction: You have the right to access the personal data we hold about you and to request corrections if any information is inaccurate or incomplete. To exercise this right, please contact us at Support@TheFrugalCrediTnista.com

PART 4: DATA SECURITY

• Security Measures: We implement industry-standard security measures to protect user data from unauthorized access, disclosure, or misuse.

PART 5: TERMINATION

• Termination of Services: We reserve the right to terminate or suspend access to our services immediately, without prior notice, for conduct that we believe violates these terms.

• Right to Erasure: You have the right to request the deletion of your personal data under certain circumstances, such as when the data is no longer necessary for the purposes it was collected. To request erasure, please contact us at Support@TheFrugalCrediTnista.com

PART 6: DISPUTE RESOLUTION

• Arbitration: Any disputes arising out of or related to these terms and conditions shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

•  Consent Mechanism: We obtain your consent for data processing activities where required by law. You may withdraw your consent at any time by contacting us at Support@TheFrugalCrediTnista.com

PART 7: LIMITATION OF LIABILITY

• No Liability for Indirect Damages: To the fullest extent permitted by law, MNH Financial Services [DBA The Frugal CrediTnista] shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly.

PART 8: GOVERNING LAW

• Governing Law: These terms and conditions are governed by and construed in accordance with the laws of the state in which our company is registered, without regard to its conflict of law principles.

• Notification of Changes: We reserve the right to update these Terms and Conditions at our discretion. We will notify you of any material changes via email or through a prominent notice on our website at least 30 days before they take effect. We encourage you to regularly check this page to stay informed of any updates. Your continued use of our services following the posting of changes constitutes your acceptance of those changes.

PART 9: MISCELLANEOUS

• Severability: If any provision of these terms and conditions is found to be unenforceable or invalid by a court of competent jurisdiction, that provision will be limited or eliminated to the minimum extent necessary so that these terms and conditions will otherwise remain in full force and effect.
• Entire Agreement: These terms and conditions, together with our privacy policy and any other legal notices published by us on the service, shall constitute the entire agreement between you and MNH Financial Services [DBA The Frugal CrediTnista] concerning the service.
• Waiver: No waiver of any term of these terms and conditions shall be deemed a further or continuing waiver of such term or any other term, and MNH Financial Services [DBA The Frugal CrediTnista]’s failure to assert any right or provision under these terms and conditions shall not constitute a waiver of such right or provision.

PART 10: CONTACT INFORMATION

• Customer Support: For any questions, concerns, or disputes regarding these terms and conditions, please contact our customer support team at [Support@TheFrugalCreditnista.com]. We are committed to resolving any issues promptly and efficiently.
• Mailing Address: You can also reach us by mail at the following address: MNH Financial Services [DBA The Frugal CrediTnista] [4311 School House Commons, Harrisburg, NC 28075].

PART 11: ACKNOWLEDGMENT

• User Acknowledgment: By using our services, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions. You also acknowledge that these terms and conditions constitute the complete and exclusive agreement between us regarding your use of our services.

PART 12: INDEMNIFICATION

• User Indemnity: You agree to defend, indemnify, and hold harmless MNH Financial Services [DBA The Frugal CrediTnista], its affiliates, and their respective officers, directors, employees, and agents from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney's fees) arising from: (i) your use of and access to the service; (ii) your violation of any term of these terms and conditions; (iii) your violation of any third-party right, including without limitation any copyright, property, or privacy right; or (iv) any claim that your use of the service caused damage to a third party.

PART 13: MODIFICATIONS TO TERMS

• Right to Modify: We reserve the right to modify these terms and conditions at any time. Any changes will be effective immediately upon posting on our website. It is your responsibility to review these terms periodically for any updates or changes.

PART 14: THIRD-PARTY SERVICES

• Third-Party Links: Our services may contain links to third-party websites or services that are not owned or controlled by MNH Financial Services [DBA The Frugal CrediTnista]. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

PART 15: USER-GENERATED CONTENT

• Content Ownership: Any content you submit, post, or display on or through our services remains your property. However, by submitting content, you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, publish, and distribute such content in connection with our services.

PART 16: FEEDBACK AND SUGGESTIONS

• Feedback: We welcome and encourage you to provide feedback, comments, and suggestions for improvements to our services. You agree that all feedback will be the sole and exclusive property of MNH Financial Services [DBA The Frugal CrediTnista] and you hereby irrevocably assign to us all of your rights, title, and interest in and to all feedback.

PART 17: ELECTRONIC COMMUNICATIONS

• Consent to Electronic Communications: By using our services, you consent to receive electronic communications from us. These communications may include notices about your account and information concerning or related to our services. You agree that any notices, agreements, disclosures, or other communications that we send to you electronically will satisfy any legal communication requirements, including that such communications be in writing.

PART 18: FORCE MAJEURE

• Force Majeure: We shall not be liable for any failure to perform our obligations under these terms and conditions where such failure results from any cause beyond our reasonable control, including, without limitation, mechanical, electronic, or communications failure or degradation.

ART 19: ASSIGNMENT

• Assignment Rights: These terms and conditions, and any rights and licenses granted hereunder, may not be transferred or assigned by you, but may be assigned by MNH Financial Services [DBA The Frugal CrediTnista] without restriction. Any attempted transfer or assignment in violation hereof shall be null and void.

PART 20: RELATIONSHIP OF PARTIES

• Independent Contractors: You and MNH Financial Services [DBA The Frugal CrediTnista] are independent contractors, and these terms and conditions do not create any partnership, joint venture, employment, or agency relationship between us.

PART 21: HEADINGS

• Headings for Convenience: The section headings in these terms and conditions are for convenience only and have no legal or contractual effect.

PART 22: LANGUAGE

• Governing Language: These terms and conditions are written in English, and any translation provided is for convenience only. In the event of any conflict between the English version and a translated version, the English version shall prevail.

PART 23: COPYRIGHT AND TRADEMARKS

• Intellectual Property Rights: All content, trademarks, service marks, trade names, logos, and icons are proprietary to MNH Financial Services [DBA The Frugal CrediTnista]. Nothing contained in these terms and conditions should be construed as granting any license or right to use any trademark without our prior written permission.

PART 24: NOTICES

• Notice Requirements: All notices required or permitted to be given under these terms and conditions will be in writing and delivered to the other party by any of the following methods: (i) personal delivery, (ii) certified mail, postage prepaid, (iii) overnight courier, or (iv) email. If you have any questions about these terms and conditions, please contact us at [Support@TheFrugalCreditnista.com].

PART 25: SURVIVAL

• Survival of Terms: All provisions of these terms and conditions which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

PART 26: WAIVER AND SEVERABILITY

• Waiver: No waiver by MNH Financial Services [DBA The Frugal CrediTnista] of any term or condition set forth in these terms and conditions shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of MNH Financial Services [DBA The Frugal CrediTnista] to assert a right or provision under these terms and conditions shall not constitute a waiver of such right or provision.
• Severability: If any provision of these terms and conditions is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the terms and conditions will continue in full force and effect.

PART 27: ENTIRE AGREEMENT

• Complete Agreement: These terms and conditions, along with our Privacy Policy and any other legal notices published by MNH Financial Services [DBA The Frugal CrediTnista] on the service, constitute the entire agreement between you and us concerning the service. They supersede all prior or contemporaneous communications, agreements, and understandings, whether oral or written, between you and us with respect to the subject matter hereof.

PART 28: AMENDMENTS

• Right to Amend: We reserve the right, at our sole discretion, to modify or replace these terms and conditions at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

PART 29: ACKNOWLEDGMENT OF UNDERSTANDING

• Understanding and Acceptance: By using our services, you acknowledge that you have read these terms and conditions, understand them, and agree to be bound by them. You further acknowledge that these terms and conditions reflect a fair and reasonable allocation of risk between you and MNH Financial Services [DBA The Frugal CrediTnista].

SMS COMMUNICATIONS

1. Opt-in Consent: By providing your mobile phone number and opting in to receive SMS messages from MNH Financial Services [DBA The Frugal CrediTnista], you expressly consent to receive text messages related to free training alerts, product sign-ups, training reminders, and marketing messages. You understand that providing your consent is not a condition of purchasing any goods or services.

2. Types of SMS Messages: You agree to receive SMS messages from MNH Financial Services [DBA The Frugal CrediTnista] for the following purposes: a. Free Training Alerts: Notifications about upcoming free training sessions and workshops. b. Product Sign-ups: Confirmations and updates related to products you have signed up for. c. Training Reminders: Reminders and notifications about ongoing training sessions you are enrolled in. d. Marketing Messages: Promotional offers, event announcements, and other marketing communications.

3. Frequency of Messages: The frequency of SMS messages may vary depending on your interactions with MNH Financial Services [DBA The Frugal CrediTnista] and the specific programs or events you have signed up for. However, we will make every effort to ensure that the frequency of messages is reasonable and not excessive.

4. Opt-out Instructions: You may opt-out of receiving SMS messages at any time by texting “STOP” to the number from which you receive our SMS messages. Upon receiving the “STOP” keyword, we will promptly unsubscribe you from our SMS communications.

5. SMS Messaging Rates: Standard text messaging rates may apply to the SMS messages you receive from MNH Financial Services [DBA The Frugal CrediTnista], depending on your mobile plan. Please consult with your mobile service provider for details on applicable rates.

6. Privacy and Data Usage: We value your privacy and will only use the mobile phone number provided for the purposes outlined in this section. We will not share, sell, or rent your phone number to any third parties without your explicit consent, except as required by law or as necessary to deliver our services.
   
   

 CONTACT US

• Inquiries and Support: If you have any questions about these terms and conditions, please contact us at [Support@TheFrugalCreditnista.com]. We are here to assist you and ensure your experience with our services is positive and rewarding.