Terms of Service

Last Updated: January 1, 2026

1. Agreement to Terms

By accessing Fresh Start Financial, you agree to be bound by these Terms of Service. If you do not agree, please do not use the platform.

2. Financial Disclaimer

FSF and its AI assistant FIONA provide financial information and educational tools. We are NOT licensed financial advisors, attorneys, or CPA firms. All guidance is for informational purposes only.

3. Subscription Tiers

Premium and Pro plans are billed monthly. You may cancel at any time, but refunds for partial months are not provided unless required by law.

4. User Conduct

Users must provide accurate information. Misrepresentation of identity or academic credentials (for Professors/Consultants) will result in immediate account termination.