1. Agreement to These Terms

These Terms of Service (“Terms”) govern your access to and use of the websites, webinars, masterclasses, coaching programs, consulting services, and related content offered by Denise Stubbs, CPA, PLLC (“Company,” “we,” “us,” or “our”) (collectively, the “Services”). By accessing the Services, registering for an event, or enrolling in a program, you agree to these Terms and to our Privacy Policy, which is incorporated by reference. If you do not agree, do not use the Services.

2. Scope of Services

We provide business coaching and consulting. These Terms govern only those coaching and consulting activities. They do not govern any certified public accounting, tax preparation, tax resolution, or attest engagement, which are offered, if at all, under a separate written engagement agreement.

3. Eligibility

You must be at least 18 years old and able to form a binding contract to use the Services.

4. No Professional Advice; No Guaranteed Results

The Services are educational and advisory in nature. Nothing in the Services constitutes, and you agree not to rely on the Services as, certified public accounting services, tax preparation, tax advice or tax strategy, accounting or bookkeeping services, audit or attest services, legal advice, or individualized investment or financial advice. Any references to financial, tax, or strategic concepts — including in our marketing, webinars, and program materials — are provided for general educational and illustrative purposes only and are not a substitute for advice from your own qualified professional. Participation in the Services does not create a CPA-client relationship, an attorney-client relationship, or a fiduciary or investment-advisory relationship of any kind. Certified public accounting, tax, accounting, and attest services, if provided at all, are offered only under a separate written engagement agreement and subject to any required client consents. You are responsible for your own business and financial decisions and should consult your own qualified professionals before acting.

We do not guarantee any specific financial, business, or other result, or that you will achieve any result within any particular timeframe. Any timeframes referenced (for example, “in as little as 10 weeks”) are illustrative and describe what some participants have experienced; they are not a promise or guarantee of your results. Your results depend on many factors outside our control, including your own effort, skills, market conditions, and business circumstances.

Any complimentary call, “Financial Strategy Assessment,” or consultation we offer is a no-cost introductory conversation about our Services. It is not a professional accounting, tax, or financial engagement, does not constitute advice you should rely upon, and creates no CPA-client or advisory relationship.

5. Enrollment, Fees, and Payment

Program fees, payment schedules, and any installment or third-party financing terms are stated on the applicable order form or checkout page at the time of enrollment. By enrolling, you authorize us and our payment processors to charge the amounts and on the schedule you select. All fees are in U.S. dollars, and you are responsible for any applicable taxes other than our income taxes.

6. Refund and Cancellation Policy

You may cancel your enrollment and receive a full refund within three (3) days of the date of purchase (your right of rescission). To cancel, send a written cancellation request to [email protected] before midnight of the third day. Except for this three-day right of rescission, all sales are final and all fees are non-refundable.

Where a purchase is made in person at a location other than our regular place of business, additional cancellation rights and notice requirements may apply under the FTC Cooling-Off Rule and applicable state law, and those rights are preserved.

7. Your Responsibilities and Acceptable Use

You agree to provide accurate information, to participate in good faith, and to use the Services only for lawful purposes. You may not resell, sublicense, record (without our written consent), or redistribute program content, or use the Services to harass others or infringe any rights.

8. Intellectual Property and License

All program materials, frameworks, methods, recordings, templates, and content are owned by or licensed to the Company and are protected by intellectual-property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the materials for your own personal and business use only, for the duration of your enrollment. You may not copy, share, publish, or create derivative works from the materials without our prior written consent.

9. Confidentiality

Program materials and any non-public information shared within the program, including other participants’ information, are confidential. You agree not to disclose them outside the program.

10. Illustrative Examples and Results Disclaimer

The examples, case studies, and individuals described in our marketing, webinars, and program materials (for example, “Val,” “Mark,” and “Daniel”) are illustrative composites based on common situations we have observed across many businesses. The names are invented and any figures are illustrative; they are not actual clients, actual client names, or actual results. We present them this way in part to honor our professional obligation to protect client confidentiality.

These examples are provided to illustrate concepts only. They are not testimonials, are not representative of what any particular client achieved, and are not a promise or guarantee that you or anyone else will achieve the same or similar results. Individual outcomes vary. If we ever present an actual client’s result, we will identify it as such and will do so only with that client’s written consent and appropriate attribution.

11. Electronic Communications and SMS

By providing your contact information, you consent to receive communications from us electronically, including email and, where you have opted in, text (SMS) messages as described in our Privacy Policy. You may opt out of marketing communications at any time as described there.

12. Third-Party Tools and Links

The Services may rely on or link to third-party platforms for scheduling, payments, hosting, video, or community. We are not responsible for third-party services, and your use of them is governed by their own terms.

13. Disclaimer of Warranties

The Services are provided “as is” and “as available,” without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement, to the fullest extent permitted by law.

14. Limitation of Liability

To the fullest extent permitted by law, the Company and its owner, members, and personnel will not be liable for any indirect, incidental, consequential, special, or punitive damages, or for lost profits or revenues, arising out of or related to the Services. Our total liability for any claim will not exceed the amount you paid to us for the Services giving rise to the claim. This limitation does not apply to liability arising from the Company’s own gross negligence, willful misconduct, or fraud.

15. Indemnification

You agree to indemnify and hold harmless the Company and its personnel from third-party claims, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) to the extent arising out of your use of the Services, your breach of these Terms, or information you provide to us. Your indemnification obligation extends only to the portion of any claim attributable to your acts, omissions, or information, and does not extend to claims judicially determined to have arisen from the Company’s own gross negligence, willful misconduct, or fraud.

16. Dispute Resolution; Governing Law

These Terms are governed by and construed in accordance with the laws of the State of North Carolina, without regard to conflict-of-laws principles.

Informal resolution first. Before initiating arbitration, you agree to contact us at [email protected] and to attempt in good faith to resolve any dispute informally for at least thirty (30) days after written notice of the dispute.

Binding individual arbitration. If the dispute is not resolved through informal resolution, any dispute arising out of or relating to these Terms or the Services will be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its applicable consumer or commercial rules, seated in Macon County, North Carolina, and judgment on the award may be entered in any court of competent jurisdiction. The arbitrator decides all issues relating to the scope, enforceability, and interpretation of this arbitration agreement, except that a court — not the arbitrator — will decide any question regarding the enforceability of the class-action waiver below.

CLASS-ACTION WAIVER. YOU AND THE COMPANY 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, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING.

JURY-TRIAL WAIVER. TO THE EXTENT ANY DISPUTE PROCEEDS IN COURT RATHER THAN ARBITRATION, YOU AND THE COMPANY KNOWINGLY AND VOLUNTARILY WAIVE ANY RIGHT TO A TRIAL BY JURY.

Carve-outs. Either party may bring an individual claim in small-claims court if it qualifies, and either party may seek injunctive or other equitable relief in the state or federal courts located in Macon County, North Carolina, to protect its intellectual property or confidential information, without first proceeding to arbitration.

Right to opt out. You may opt out of this arbitration and class-action-waiver provision by sending written notice to [email protected] within thirty (30) days after you first accept these Terms. If you opt out, disputes will instead be resolved exclusively in the state or federal courts located in Macon County, North Carolina, and the jury-trial waiver above will continue to apply.

17. Termination

We may suspend or terminate your access for violation of these Terms. Sections that by their nature should survive termination, including Sections 4, 8–10, and 13–16, will survive.

18. Changes to These Terms

We may update these Terms from time to time. The “Last Updated” date reflects the most recent revision; material changes will be posted on this page. Continued use after changes means you accept them.

19. Entire Agreement; Severability

These Terms, the Privacy Policy, and any order form or program agreement are the entire agreement between you and the Company regarding the Services. If any provision is held unenforceable, the rest remains in effect.

20. Contact

Denise Stubbs, CPA, PLLC

52 Iotla Street, Franklin, NC 28734

Email: [email protected]