Terms of Use & Financial Coaching Disclaimer
Effective September 23, 2026
These Terms of Use govern your use of the DB Financial website. DB Financial Ltd., doing business as DB Financial (“DB Financial,” “we,” “us,” or “our”), provides financial coaching and educational services. By using this website, you agree to these Terms of Use.
Educational and Coaching Services
Information provided through this website and DB Financial's coaching services is intended for educational and coaching purposes.
Financial coaching may include helping clients understand their financial situation, clarify goals and priorities, develop budgets or spending plans, consider debt-payoff strategies, build financial habits, understand general financial concepts, and develop practical next steps.
Clients remain responsible for their own financial decisions and for determining whether a particular course of action is appropriate for their circumstances.
Not Investment, Tax, Legal, or Accounting Advice
DB Financial is not providing legal, tax, or accounting advice through this website or through financial coaching unless expressly stated otherwise in a separate professional engagement.
DB Financial does not provide individualized securities recommendations, manage investment accounts, execute securities transactions, or take custody or control of client funds or financial accounts.
Discussion of investing, retirement, insurance, taxes, estate planning, or similar subjects may occur for general educational or planning purposes. When a situation requires regulated or specialized professional advice, clients should consult an appropriately qualified professional.
Nothing on this website creates an attorney-client, accountant-client, investment-adviser, or similar professional relationship.
No Guarantee of Results
Financial outcomes depend on many factors outside DB Financial's control, including a client's decisions, behavior, income, expenses, economic circumstances, and unexpected events.
Examples, illustrations, testimonials, or descriptions of client experiences are not promises or guarantees that another person will achieve the same or similar results.
Client Responsibility
You are responsible for the accuracy and completeness of information you choose to provide to DB Financial.
You remain responsible for reviewing and deciding whether to implement any action discussed during coaching. You should seek appropriate professional advice when a decision requires legal, tax, accounting, investment, insurance, or other specialized expertise.
Website Information
We make reasonable efforts to provide useful and accurate information, but financial rules, laws, products, programs, and other circumstances can change.
Website content is provided for general informational purposes and should not be relied upon as a substitute for advice appropriate to your individual circumstances.
Third-Party Resources
DB Financial may refer to or link to third-party websites, tools, educational resources, products, or service providers.
A reference or link does not necessarily constitute an endorsement, and DB Financial does not control or assume responsibility for third-party content, availability, security, privacy practices, products, or services.
Intellectual Property
Unless otherwise indicated, the DB Financial name, branding, original website content, graphics, and materials created by DB Financial are owned by DB Financial Ltd. or used with permission.
Some educational materials or resources used in connection with coaching may be owned by third parties and remain subject to their respective intellectual-property rights.
You may use publicly available website content for personal, noncommercial purposes. You may not reproduce, sell, distribute, or commercially exploit DB Financial content without permission.
Limitation of Liability
To the fullest extent permitted by applicable law, DB Financial Ltd. will not be liable for indirect, incidental, special, consequential, or punitive damages arising from use of this website or reliance on its general informational content.
Nothing in these Terms is intended to exclude or limit liability that cannot lawfully be excluded or limited.
Separate agreements governing paid coaching services may contain additional terms applicable to those services.
Privacy
Use of personal information is addressed in the DB Financial Privacy Policy.
Changes to These Terms
We may update these Terms from time to time. The effective date shown above identifies the current version. Continued use of the website after changes are published constitutes acceptance of the updated website Terms.
Governing Law
These Terms are governed by the laws of the State of Colorado, without regard to conflict-of-law principles, except where applicable law requires otherwise.
Contact
Questions concerning these Terms may be directed to DB Financial through the scheduling/contact methods available on this website.
DB Financial Ltd.
Colorado, United States