Legal & Privacy
Disclaimer & Disclosure
Effective date: May 22, 2026 · Last updated: May 22, 2026
Please read this disclaimer carefully before purchasing or using any content, product, or resource offered by RefinedFI . By proceeding with a purchase, you confirm that you have read, understood, and agreed to everything below.
Educational purposes only
All content published on RefinedFI — including but not limited to articles, portfolios, allocation models, downloadable resources, and member materials — is provided for educational and informational purposes only. It does not constitute investment advice, financial advice, trading advice, tax advice, or any other kind of professional advice.
Nothing on this site should be construed as a recommendation, solicitation, or offer to buy, sell, or hold any security, financial instrument, or account type.
Not a registered investment advisor
RefinedFI is not registered with the U.S. Securities and Exchange Commission (SEC), FINRA, or any state securities regulator as an investment advisor, broker-dealer, financial planner, or any other type of regulated financial professional.
No fiduciary duty or advisory relationship is created between RefinedFI and any reader, subscriber, purchaser, or member — now or at any time.
No guarantees — past performance
Portfolios, allocations, and strategies discussed on RefinedFI may reflect real holdings and real historical performance. However, past performance does not guarantee, predict, or imply future results.
All investing involves risk, including the possible loss of some or all principal invested. You may lose money. No representation is made that any strategy, portfolio, or investment approach discussed will achieve profits or avoid losses.
Author holdings & conflicts of interest
The author may hold positions in securities, ETFs, or financial instruments discussed on this site. Content may reflect the author's personal investment decisions made for their own financial situation, risk tolerance, and objectives — which may not be appropriate for yours.
The author's positions may change at any time without notice.
Your situation is unique
Before making any investment, financial, or tax decision, consult a licensed and qualified financial advisor, CPA, and/or attorney who can evaluate your individual circumstances.
What works for one investor may cause harm for another. RefinedFI content is not a substitute for professional, personalized advice.
Tax considerations
Discussion of tax-advantaged accounts, ETF structures, Roth conversions, asset location strategies, or other tax-related topics is general in nature and not tax advice.
Tax treatment depends on your individual circumstances, jurisdiction, filing status, and applicable law, which may change. Consult a qualified tax professional before taking action.
No refund policy
Due to the digital and immediately accessible nature of RefinedFI products and resources, all sales are final. No refunds are issued once a purchase has been completed and access has been granted.
If you have questions about a product before purchasing, please reach out through the contact form prior to checkout.
Limitation of liability
To the fullest extent permitted by applicable law, RefinedFI, its owner(s), and contributors shall not be liable for any direct, indirect, incidental, consequential, or special damages — including but not limited to investment losses, lost profits, or lost savings — arising from your use of, or reliance on, any content, product, or resource provided by RefinedFI.
Closing note
This disclaimer is provided for informational purposes and does not constitute legal advice. RefinedFI recommends consulting with a licensed attorney to ensure your disclosures comply with applicable federal and state laws, including SEC and FTC guidelines.
This document may be updated at any time; continued use of RefinedFI constitutes acceptance of the current version.
Important: The content on RefinedFI is not legal, tax, or investment advice. The information provided is for educational purposes only and should not be relied upon as the sole basis for any investment, tax, or legal decision. Always consult with a qualified, licensed professional who can assess your specific situation before making financial decisions.
Privacy statement
We don't sell, rent, or share your personal information with third-party marketers or data brokers.
RefinedFI collects only the information necessary to provide the service:
Email address
Collected when you subscribe to the newsletter or create a membership. Used solely to deliver content you requested and manage your account.
Payment information
Processed securely through Stripe for subscription payments. RefinedFI does not store your credit card number, CVV, or billing details on our servers. Stripe handles all payment data under PCI-DSS Level 1 compliance.
No data brokers. No ad targeting. No third-party data sharing.
Your information exists for one purpose: to deliver the service you signed up for. That's it.
Cookie policy
RefinedFI uses a minimal set of cookies — only what's necessary to make the site work. Here's exactly what's set and why:
Session cookies (authentication)
If you're a logged-in member, a session cookie keeps you signed in as you navigate between pages. It expires when you close your browser or after a set period. No persistent tracking.
Stripe cookies (payment processing)
When you interact with a payment form, Stripe sets cookies for fraud prevention and payment security. These are required by Stripe's infrastructure and are subject to Stripe's privacy policy.
Analytics cookies (future)
If we add analytics in the future, we'll update this section. Any analytics implementation will be privacy-respecting and clearly disclosed here first.
No advertising cookies. No third-party tracking cookies. No retargeting pixels.
No Facebook pixel, no Google Ads tag, no affiliate tracking scripts. The site doesn't monetize your attention — it monetizes the content.
Questions about this policy? Use the contact form.