Terms of Use, Disclaimer, and Hold Harmless Policy
Last updated: January 2, 2026
By using this website, submitting information, booking, purchasing, or attending any training, workshop, coaching, consulting, speaking engagement, or materials we provide (collectively, the “Services”), you agree to the terms below.
1) Educational purpose only
Our content and Services are for educational and informational purposes only. Fraud and scam risk can be reduced, but it cannot be eliminated. We do not guarantee prevention of fraud, scams, identity theft, account takeover, financial loss, or any particular outcome.
2) Not legal, financial, medical, or law enforcement advice
We are not a law firm and we do not provide legal advice. We are not a financial institution and we do not provide financial, tax, or investment advice. We are not law enforcement or private investigators. You should consult appropriate professionals for advice specific to your situation, including your bank or card issuer, your insurer, credit bureaus, an attorney, and relevant government agencies.
3) No guarantees and no promises of recovery
Outcomes depend on factors outside our control, including criminal behavior, timing, platform and bank policies, and actions taken by third parties. We do not promise or guarantee:
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Recovery of funds
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Reversal of transfers
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Account restoration
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Identity restoration
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Successful investigation or prosecution
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Any specific reduction in risk
4) You are responsible for your decisions
You are solely responsible for any decisions and actions you take, including:
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Sending money or sharing information
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Changing account settings
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Contacting banks, platforms, telecom providers, credit bureaus, or agencies
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Implementing safeguards discussed in training
You agree to verify critical information independently before acting.
5) Assumption of risk
You understand that fraud prevention and response may involve time sensitive decisions, interactions with third parties, and actions under stress. You accept these risks and participate voluntarily.
6) Limitation of liability
To the maximum extent permitted by law, we are not liable for any damages arising from your use of the website or Services, including indirect, incidental, special, consequential, exemplary, or punitive damages. This includes, without limitation, loss of money, loss of business, loss of reputation, loss of data, emotional distress, or damages caused by third parties.
If we are found liable for any reason, our total liability will not exceed the amount you paid us for the specific Service giving rise to the claim, or $0.00 if you did not pay for Services.
Some states do not allow certain limitations. In those states, the limitation applies to the fullest extent permitted by law.
7) Hold harmless and indemnification
You agree to defend, indemnify, and hold harmless ProtectYourMoney (Richard Way) and our contractors and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to your use of this website or services, your violation of these Terms, or your violation of any rights of a third party.
8) Third party links and services
We may reference or link to third party websites, tools, platforms, or services. We do not control them and are not responsible for their content, performance, availability, security, policies, or outcomes. Your use of third party services is at your own risk.
9) Testimonials and examples
Any testimonials, examples, case studies, or stories are provided for illustration only. They reflect individual experiences and do not guarantee similar results.
10) Payments, cancellations, refunds, virtual delivery, and travel
If travel is required for an onsite presentation, you agree to reimburse reasonable travel expenses, which may include airfare, lodging, mileage, parking, meals, and other related costs. You are also responsible for any nonrefundable or unrecoverable travel costs if you cancel or reschedule after travel has been booked. We may require a travel deposit before booking any travel, and travel arrangements may be booked only after the deposit is received. Payment terms, cancellation terms, and any rescheduling fees will be communicated in writing before the engagement is confirmed.
For virtual engagements, you are responsible for having working internet access, compatible devices, and access to the selected platform. We are not responsible for disruptions caused by platform outages, local networks, internet providers, device limitations, or user error.
11) Recording and participation
We may record sessions only if disclosed in advance. You agree not to record, photograph, screen capture, or otherwise reproduce any session without our written permission, including using virtual platform recording features. You agree to participate respectfully and not disrupt sessions.
12) Intellectual property and permitted use
All materials provided, including slides, scripts, checklists, handouts, and frameworks, are owned by us or licensed to us. You may use them for personal use or internal organizational use for the group that booked the training. You may not reproduce, distribute, publish, sell, or share them outside your organization without written permission.
13) Privacy
Information you submit through this website, scheduling tools, email, phone, virtual platforms, or payment providers may be collected and used to deliver Services and respond to your requests. If we publish a Privacy Policy or Privacy Notice on this website, it will explain what we collect and how we use it.
14) Governing law and venue
These terms are governed by the laws of the State of Michigan, without regard to conflict of law rules.
You agree that any dispute arising out of or related to these terms, the website, or the Services will be brought in the state or federal courts located in Michigan, and you consent to personal jurisdiction there, unless we agree in writing to a different venue for a specific engagement with an organization or venue located in another state.
If a court finds that Michigan venue is not enforceable for a particular claim, you agree to venue in the county where we maintain our principal place of business, or as otherwise required by applicable law.
15) Severability
If any part of these terms is found invalid or unenforceable, the remaining terms remain in full force and effect.
16) Changes
We may update these terms from time to time. The “Last updated” date controls. Continued use of the website or Services after changes means you accept the updated terms.
17) Contact
Questions about these terms should be sent to: Richard@ProtectYourMoney.org