Terms & Disclaimer

Effective [DATE]. BudgetBossHQ.com is operated by Budget Boss Global Holdings, LLC (“Budget Boss”). By using this website, you agree to these Terms.

What this site is

This website provides information about Budget Boss’s financial education, organization, and clarity services, and allows you to reserve sessions. Purchased engagements are governed by the Client Engagement Agreement presented at checkout; if these Terms and that Agreement conflict, the Agreement controls for your engagement.

Educational content only

All content on this site — pages, posts, guides, downloads, including Code Red — is educational and general in nature. It is not legal, tax, investment, lending, mortgage, credit-repair, or debt-settlement advice, and it is not a substitute for advice from licensed professionals who know your specific situation. You are responsible for your own financial decisions.

Disclaimer

Budget Boss teaches, organizes, and clarifies. We do not manage your money, we are not licensed advisers, and we never guarantee financial results. We’re proud of what we do — and honest about what we don’t.

Not professional advice

Budget Boss is not a law firm, accounting or tax-preparation firm, registered investment adviser, broker-dealer, bank, lender, mortgage broker or originator, credit-repair or credit-services organization, or debt-settlement company, and nothing we provide constitutes legal, tax, investment, lending, mortgage, credit-repair, or debt-settlement advice. For those matters, consult appropriately licensed professionals. Nothing we provide is medical or mental-health advice.

Homeownership readiness — what we do and don’t do

Our homeownership-readiness guidance helps you organize and understand your overall financial picture so you can approach lenders and licensed professionals from a position of clarity. We do not repair credit, do not dispute items on your credit report on your behalf, do not originate or arrange mortgages, do not negotiate with creditors on your behalf, and do not guarantee loan approval, interest rates, or any lending outcome. Lending decisions are made solely by licensed lenders.

No outcome guarantees

We do not guarantee savings amounts, debt reduction, credit-score changes, loan or mortgage approval, interest rates, or any financial outcome. Our enforceable commitments are the specific written deliverables and delivery promises stated with each engagement.

Credentials, stated plainly

Jirard von Washington is a Ramsey Solutions–trained Master Financial Coach with more than twenty years of professional financial-operations experience. This training and experience do not constitute a government-issued professional license, and Budget Boss does not hold itself out as holding licenses it does not possess.

Intellectual property, conduct & third parties

This website and its content — text, templates, systems, the Budget Boss name and marks, L.E.D.G.E.R., and Code Red — are the property of Budget Boss Global Holdings, LLC, licensed to you for personal, non-commercial use. Do not misuse the site or submit sensitive credentials through any form. Scheduling, forms, and payments are provided through third-party platforms (including Google and Stripe), which have their own terms.

Governing law

These Terms are governed by Florida law; venue is Miami-Dade County, Florida. Questions: [support email].

This page reflects the reviewed Terms of Use and Disclaimer in the Budget Boss legal packet. Final wording should match the attorney-approved version.