Terms of Service

Terms and Conditions of Use for CYOfinance.com

Last updated: 16.9.2025

1 | Parties and Acceptance of Terms

Preamble:

These General Terms and Conditions of Use (hereinafter the “Terms” or “T&Cs”) govern the legal relationship between the user of the website (hereinafter the “User”) and the publisher of the website.

Publisher:
Kathryn Blair Hoover, EI
Choose Your Own Finance
SIRET: 98903016800011
3 Avenue du Languedoc, 11200 Homps, France.
support@cyofinance.com
+33 6 48 90 33 08

(Hereinafter referred to as the “Publisher”).

The site CYOfinance.com (hereinafter the “Site”) offers the following service: Online financial coaching and educational resources (hereinafter the “Service”).

Acceptance:

By accessing, browsing, and using the Site, the User acknowledges that they have read, understood, and unconditionally agreed to be bound by these Terms and Conditions and our Privacy Policy. If the User does not accept these Terms, they must immediately cease using the Site.

2 | Purpose and Content of the Site

Website's Purpose:

The Site provides informational content, resources, and services related to personal finance and financial coaching. This includes blog articles, downloadable materials, and information about coaching packages.

Content Disclaimer – Crucial Liability Protection:

The content provided on the Site is for informational and educational purposes only. It does not constitute financial, legal, or any other professional advice on which you should rely. It is not a substitute for advice from a qualified professional tailored to your individual circumstances.

The User remains solely responsible for the use of the information provided on the Site. The Publisher shall not be held liable for any direct or indirect damage resulting from the use of the information provided on the Site or services purchased through it.

3 | Intellectual Property

Ownership:

All content present on the Site (including but not limited to texts, graphics, logos, images, videos, audio, downloadable files, design, and software) is the exclusive intellectual property of the Publisher and is protected by French intellectual property law (Code de la propriété intellectuelle) and international copyright conventions.

User Rights:

The Publisher grants the User a limited, non-exclusive, non-transferable, and revocable license to access and use the Site and its content for personal and non-commercial use only.

Prohibited Conduct:

Any reproduction, representation, modification, distribution, or adaptation of all or part of the Site’s content, by any means whatsoever, without the prior written authorization of the Publisher, is strictly prohibited and may constitute an act of copyright infringement.

4 | User Obligations

The User agrees to use the Site in a lawful manner, in good faith, and in accordance with these Terms.

Prohibited Conduct includes, but is not limited to:
Publishing any illegal, abusive, defamatory, or obscene content.
Introducing viruses or any other malicious code.
Attempting to gain unauthorized access to the Site or its related systems.
Using the Site for commercial prospecting or spam.
Impersonating any other person or entity.

5 | Publisher's Liability and Disclaimer

Availability:

The Publisher will endeavour to keep the Site accessible 24/7 but does not guarantee uninterrupted or error-free access. The Publisher may temporarily suspend access for maintenance, updates, or for any other reason, without prior notice and without giving rise to any obligation or compensation.

Third-Party Links:

The Site may contain links to third-party websites. The Publisher has no control over these sites and assumes no responsibility for their content, accuracy, or practices. The inclusion of any link does not imply endorsement by the Publisher.

Limitation of Liability:

To the fullest extent permitted by French law, the Publisher’s liability for any claim related to the use of the Site or its content is limited to the amount paid by the User, if any, for accessing the Service in the six (6) months preceding the event giving rise to the claim.

6 | Personal Data & GDPR (RGPD)

The collection and processing of the User’s personal data by the Publisher are governed by our Privacy Policy (Politique de Confidentialité), which is an integral part of these Terms. This policy is designed to comply with Regulation (EU) 2016/679 (General Data Protection Regulation – GDPR) and the French Data Protection Act (Loi Informatique et Libertés).

It informs Users of:

The purposes of data processing.
The legal basis for processing.
The categories of data collected.
Their rights of access, rectification, erasure (“right to be forgotten”), and portability.
The data retention periods.
The data recipients
By using the Site, the User consents to such processing.

7 | Governing Law and Dispute Resolution

Governing Law:

These Terms and Conditions are governed by, construed, and enforced in accordance with the laws of France, without regard to its conflict of law principles.

Competent Jurisdiction:

Any dispute relating to the interpretation or execution of these Terms will be subject to the exclusive jurisdiction of the competent French courts, notwithstanding plurality of defendants or warranty claims.

Consumer Mediation (REQUIRED for B2C under French Consumer Code):

In accordance with Articles L.611-1 et seq. of the French Consumer Code, the Publisher is obliged to inform consumers of the possibility of using a consumer mediator (médiateur de la consommation) to resolve disputes amicably.

The mediator proposed is: [Name of an approved mediator, e.g., Médicys, CM2C, or ANM Conso]. You must register with one and list their contact details here.

Prior to mediation, the User must first contact the Publisher’s customer service in writing to attempt to resolve the dispute amicably.

8 | Contact

For any questions regarding these Terms and Conditions, please contact us at:

Email: support@cyofinance.com

Address: 3 avenue du languedoc, 11200 Homps, France