Terms & Conditions

Last Updated: June 15, 2024

1. Introduction

Welcome to goerglasowm. These Terms and Conditions ("Terms") govern your use of the goerglasowm website (goerglasowm.com) and any related services, including the purchase and use of our financial education products (collectively, the "Services").

By accessing our website or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our website or Services.

2. Definitions

Throughout these Terms, the following definitions apply:

  • "goerglasowm," "we," "us," "our" refers to goerglasowm, a company registered in the United States with registration number 92298531.
  • "User," "you," "your" refers to the individual or entity accessing or using our website or Services.
  • "Website" refers to goerglasowm.com and all subdomains.
  • "Products" refers to any digital or physical financial education materials, courses, tools, or resources available for purchase through our website.
  • "Content" refers to all materials found on our website, including text, images, videos, graphics, user interfaces, visual interfaces, trademarks, logos, applications, programs, computer code, and other information.

3. Account Registration

Some features of our Services require you to create an account. When you create an account with us, you must provide information that is accurate, complete, and current at all times. Failure to do so constitutes a breach of these Terms, which may result in immediate termination of your account.

You are responsible for safeguarding the password you use to access our Services and for any activities or actions under your password. We encourage you to use strong passwords (e.g., passwords that use a combination of upper and lower case letters, numbers, and symbols) with your account.

You agree not to disclose your password to any third party. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.

4. Products and Purchases

4.1 Product Descriptions

We strive to accurately describe our Products and their features. However, we do not warrant that Product descriptions or other Content on the website are accurate, complete, reliable, current, or error-free.

4.2 Pricing and Payment

All prices listed on our website are in US dollars unless otherwise specified. We reserve the right to change prices for Products at any time, and we do not provide price protection or refunds in the event of a price drop or promotional offering.

Payment for all Products must be made at the time of purchase through our secure payment system. We accept major credit cards and other payment methods as indicated on our website.

4.3 Digital Products

Upon completing your purchase of a digital Product, you will receive access instructions via email. Access may be provided through download links, online portal access, or other delivery methods appropriate to the Product.

Digital Products are delivered immediately upon purchase confirmation. As a result, once the delivery process has begun, digital Products cannot be returned, and no refund will be issued except as provided in our Refund Policy or as required by applicable law.

4.4 Product Updates

For certain Products, we may provide updates to ensure continued accuracy and relevance. The terms of these updates, including duration of update availability, will be specified in the Product description at the time of purchase.

5. Intellectual Property Rights

5.1 Our Intellectual Property

The website and its entire Content, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by goerglasowm, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

5.2 License to Use

When you purchase our Products, we grant you a personal, non-exclusive, non-transferable, limited license to use the Product for your personal or internal business purposes. This license does not include the right to:

  • Modify, reproduce, distribute, publicly display, or perform the Product
  • Remove any proprietary notices or labels on the Product
  • Transfer the Product to another person
  • Use the Product for commercial purposes, including reselling or licensing to others
  • Reverse engineer, decompile, or disassemble the Product

You acknowledge that you do not acquire any ownership rights in any Content or Products. The rights granted to you are limited to those expressly stated in these Terms.

5.3 User Content

If you provide us with any feedback, suggestions, or testimonials regarding our website or Products, you hereby assign to us all rights in such feedback and agree that we shall have the right to use such feedback and related information in any manner we deem appropriate without notice or compensation to you.

6. Prohibited Uses

You agree not to use our website or Services:

  • In any way that violates any applicable federal, state, local, or international law or regulation
  • To engage in any conduct that restricts or inhibits anyone's use or enjoyment of the website
  • To impersonate or attempt to impersonate goerglasowm, a goerglasowm employee, another user, or any other person or entity
  • To engage in any other conduct that could damage, disable, overburden, or impair the proper functioning of the website
  • To introduce any viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful
  • To attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the website, the server on which the website is stored, or any server, computer, or database connected to the website
  • To attack the website via a denial-of-service attack or a distributed denial-of-service attack

7. Disclaimers

7.1 Educational Materials Only

Our Products and Content are provided for educational and informational purposes only. They are not intended as, and shall not be understood or construed as, financial, legal, tax, investment, or any other kind of professional advice. Before making any financial decisions, you should consult with a professional financial advisor, accountant, attorney, or other professional who can help you consider your individual situation.

7.2 No Guarantees

We do not guarantee any specific results from the use of our website or Products. Financial results vary depending on a number of factors, including individual circumstances, market conditions, and implementation of strategies.

7.3 "As Is" and "As Available" Basis

Your use of the website and our Products is at your sole risk. The website and Products are provided on an "AS IS" and "AS AVAILABLE" basis. We expressly disclaim all warranties of any kind, whether express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We make no warranty that (i) the Services will meet your requirements, (ii) the Services will be uninterrupted, timely, secure, or error-free, (iii) the results that may be obtained from the use of the Services will be accurate or reliable, or (iv) the quality of any Products, Services, information, or other material purchased or obtained by you will meet your expectations.

8. Limitation of Liability

In no event shall goerglasowm, its directors, officers, employees, agents, partners, or suppliers be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

  • Your access to or use of or inability to access or use the website or Services
  • Any conduct or content of any third party on the website
  • Any content obtained from the website
  • Unauthorized access, use, or alteration of your transmissions or content

In no event shall our total liability to you for all claims related to the website or Services exceed the amount paid by you to goerglasowm during the 12 months preceding the event giving rise to the liability, or $100, whichever is greater.

The limitations of damages set forth above are fundamental elements of the basis of the bargain between goerglasowm and you.

9. Indemnification

You agree to defend, indemnify, and hold harmless goerglasowm, its officers, directors, employees, and agents, from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the website or Services.

10. Termination

We may terminate or suspend your account and access to our Services immediately, without prior notice or liability, for any reason, including, without limitation, if you breach these Terms.

Upon termination, your right to use the Services will immediately cease. If you wish to terminate your account, you may simply discontinue using the Services or contact us to request account deletion.

All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

11. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. We will provide notice of any changes by posting the new Terms on this page and updating the "Last Updated" date at the top.

Your continued use of our website after any such changes constitutes your acceptance of the new Terms. Please review these Terms periodically for changes.

12. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of New Jersey, United States, without regard to its conflict of law provisions.

Any dispute arising from or relating to these Terms or your use of the website or Services shall be subject to the exclusive jurisdiction of the state and federal courts located in New Jersey, United States.

13. Dispute Resolution

In the event of any dispute, claim, or controversy arising out of or relating to these Terms or the breach, termination, enforcement, interpretation, or validity thereof, you and goerglasowm agree to first attempt to resolve the dispute informally by contacting the other party.

If the dispute is not resolved within 30 days of such notification, either party may pursue other remedies available to them under applicable law.

14. Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.

15. Waiver

No waiver of any term or condition set forth in these Terms 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 to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.

16. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published by us on the website, constitute the entire agreement between you and goerglasowm concerning the website and Services.

17. Contact Us

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

  • Email: legal@goerglasowm.com
  • Address: 96754 Pfannerstill Spring, West Jesus, NJ 83547, United States
  • Phone: +1 925-591-0671