TERMS & CONDITIONS OF PURCHASE AND SERVICES
FINANCIALLYFITLATINA / MONEYWISE BUSINESS GROUP
These Terms and Conditions of Purchase and Services (“Agreement”) are entered into between you (“Client,” “Participant,” “Member,” “Purchaser,” or “you”) and Alexia Enterprises, LLC dba FinanciallyFitLatina, a Florida limited liability company (“Company”), including, where applicable, its affiliated brands, programs and services, including FinanciallyFitLatina, Expofinanzas Mujer and Moneywise Business Group.
By purchasing, registering for, accessing, or participating in any Service offered by the Company, you acknowledge that you have read, understood, and agree to be bound by this Agreement.
If you do not agree with these Terms and Conditions, you should not purchase, access, or participate in the Services.
1. SERVICES COVERED BY THIS AGREEMENT
This Agreement applies to current and future services offered by the Company, including, but not limited to:
Digital products and downloads
Online courses and educational programs
Memberships and communities
Financial education programs
Coaching and strategic sessions
Masterminds
Workshops and trainings
Live and virtual events
Financial and wealth strategy services
Financial and patrimonial diagnostic sessions
Patrimonial mapping and organization
Gap and vulnerability analysis
Legacy and wealth strategy services
Coordination with independent attorneys and other licensed professionals
Other products or services offered by the Company
The specific scope and deliverables of each Service are determined by the description of the Service purchased and, when applicable, a separate written service agreement or engagement.
FINANCIAL & WEALTH STRATEGY SERVICES
2. FINANCIAL AND PATRIMONIAL DIAGNOSTIC SERVICES
Certain Services may include a Financial & Patrimonial Diagnostic, Patrimonial Map, Gap and Vulnerability Analysis, and Strategic Roadmap.
These services are intended to help the Client organize and understand their financial and patrimonial circumstances, identify areas that may warrant further consideration, and establish strategic priorities and next steps.
Depending on the Service purchased, Alexandra RamĂrez may assist the Client with:
Gathering and organizing financial and patrimonial information
Creating a high-level visual Patrimonial Map
Reviewing assets, accounts, properties, businesses, insurance information and beneficiary information provided by the Client
Identifying potential gaps, vulnerabilities or areas requiring further professional review
Establishing financial and legacy objectives
Developing a strategic roadmap
Coordinating the process with attorneys, CPAs, insurance professionals or other appropriately licensed professionals when necessary
The Client understands that a diagnostic or strategy session does not automatically include implementation of every strategy discussed or identified.
3. ALEXANDRA RAMĂŤREZ'S ROLE
The Client expressly acknowledges that Alexandra RamĂrez acts as a Financial & Wealth Strategist and financial educator and does not act as the Client's attorney.
Her role may include financial and patrimonial organization, education, strategic analysis, identification of matters for further consideration, and coordination with appropriately licensed professionals.
Nothing provided by Alexandra RamĂrez or the Company should be interpreted as legal advice or legal representation.
IMPORTANT ESTATE PLANNING DISCLOSURE
4. NO LEGAL SERVICES OR LEGAL ADVICE
Alexandra RamĂrez is not acting as an attorney and does not provide legal advice or legal representation.
The Company does not independently:
Determine which legal estate planning structure a Client should use
Provide legal interpretations of wills, trusts or other legal documents
Draft wills or trusts
Draft powers of attorney
Draft healthcare directives
Draft deeds or other legal instruments
Determine the legal sufficiency or validity of documents
Provide tax or legal opinions
Represent the Client in a legal matter
Any information provided regarding Estate Planning is limited to education, financial and patrimonial organization, strategic context and coordination with the appropriate licensed professional.
5. ROLE AND INDEPENDENCE OF THE ATTORNEY
When Estate Planning legal services are needed, the Client understands that the legal component of the Estate Planning process must be handled by an appropriately licensed attorney.
The attorney, and not Alexandra RamĂrez or FinanciallyFitLatina, is responsible for:
Providing legal advice
Determining the appropriate legal planning strategy
Recommending the appropriate legal documents or structures
Drafting and preparing legal documents
Explaining the legal consequences of those documents
Reviewing and approving legal documents
Advising the Client regarding execution requirements
Addressing legal questions related to the Client's Estate Plan
The attorney exercises independent professional judgment and is not required to accept any preliminary observation, strategy, map, information or recommendation discussed with the Company.
The Client understands that the attorney may recommend a different approach after conducting the attorney's own independent legal analysis.
SEPARATION OF FINANCIAL & WEALTH STRATEGY SERVICES, LEGAL SERVICES, AND INSURANCE PRODUCTS
The Client acknowledges and agrees that Financial & Wealth Strategy Services, legal Estate Planning services, and insurance products are separate services and transactions, each with its own scope, purpose, compensation structure, and applicable professional requirements.
A. FINANCIAL & WEALTH STRATEGY SERVICES
Fees paid to FinanciallyFitLatina for a Financial & Patrimonial Diagnostic, Patrimonial Map, Gap and Vulnerability Analysis, Legacy Wealth Strategy™, financial education, strategic planning, organization, coordination, or related consulting services are compensation for those services.
These fees are charged for the professional time, education, analysis, strategy, organization, and coordination provided to the Client and are not conditioned upon the Client purchasing a life insurance policy or any other financial product.
The Client may purchase and receive these strategic services whether or not the Client ultimately applies for or purchases insurance.
B. LIFE INSURANCE IS A SEPARATE TRANSACTION
Life insurance is not automatically included in the fee paid for Financial & Wealth Strategy Services.
Life insurance is a separate and optional transaction and is not included in the Financial & Wealth Strategy or Legacy Wealth Strategy™ service fee.
Alexandra RamĂrez acts as a Financial & Wealth Strategist and financial educator. Alexandra RamĂrez also is a Licensed Life Insurance Agent. When acting in connection with life insurance, she acts in her separate capacity as a licensed insurance professional and may discuss, recommend, and facilitate the application for life insurance products within the scope of her applicable license, appointments, and regulatory requirements.
She is also a Licensed Life Insurance Agent and, when providing insurance services, acts separately in that licensed capacity.
Alexandra RamĂrez is not an attorney and does not provide legal advice or legal representation.
The Client is not required to purchase life insurance in order to receive Financial & Wealth Strategy Services.
If the Client chooses to apply for or purchase life insurance, the insurance transaction will be handled separately and subject to applicable insurance laws, carrier requirements, underwriting, disclosures, and approvals.
Alexandra RamĂrez may receive separate compensation or commissions from the applicable insurance carrier or authorized entity in connection with an insurance transaction, where permitted by applicable law and carrier requirements.
Any insurance compensation is separate from the fees charged for Financial & Wealth Strategy Services.
If, during the financial and patrimonial planning process, life insurance is identified as a potential financial or legacy planning consideration, any insurance discussion, recommendation, application, underwriting, or transaction will be handled separately and in accordance with applicable insurance laws, licensing requirements, carrier requirements, disclosures, and suitability standards.
The Client is not required to purchase life insurance or any other financial product as a condition of receiving Financial & Wealth Strategy Services.
Any decision to apply for or purchase insurance is voluntary.
When acting in connection with an insurance transaction, Alexandra RamĂrez acts in her capacity as an appropriately licensed insurance professional, subject to applicable licensing, appointment, carrier, and regulatory requirements.
Where permitted by applicable law and carrier requirements, compensation related to an insurance transaction may be paid separately by the applicable insurance company or other authorized entity. Such insurance compensation is separate from fees charged for Financial & Wealth Strategy Services.
Nothing in this Agreement is intended to authorize compensation, fees, commissions, rebates, referrals, or other arrangements prohibited by applicable insurance law, carrier rules, or licensing requirements.
C. ESTATE PLANNING LEGAL SERVICES ARE SEPARATE
FinanciallyFitLatina and Alexandra RamĂrez do not provide legal services or legal representation.
Financial and patrimonial strategy may identify matters that should be reviewed with an Estate Planning attorney; however, the attorney independently determines the appropriate legal recommendations, structures, documents, and legal strategy for the Client.
The attorney is solely responsible for legal advice and for the preparation, review, approval, and legal sufficiency of wills, trusts, powers of attorney, healthcare directives, deeds, and other Estate Planning documents.
Alexandra RamĂrez may organize financial and patrimonial information and coordinate communication with the Client's attorney and other professionals, but such coordination does not replace legal advice and does not control the attorney's independent professional judgment.
Any legal fees charged by an attorney are separate from FinanciallyFitLatina’s strategy fees, unless expressly stated otherwise in writing.
D. THREE DISTINCT PROFESSIONAL COMPONENTS
The Client understands that the overall wealth and legacy planning process may involve three separate components:
1. Financial & Wealth Strategy
Financial and patrimonial organization, education, analysis, strategic planning, gap identification, and coordination provided by Alexandra RamĂrez / FinanciallyFitLatina.
2. Legal Estate Planning
Legal advice, selection of legal structures, and preparation and review of Estate Planning documents performed by an appropriately licensed attorney.
3. Insurance Planning
Insurance analysis, recommendations, applications, underwriting, and placement conducted separately under applicable insurance licensing and regulatory requirements.
The use of one component does not obligate the Client to purchase another component unless expressly agreed to in a separate written agreement.
CLIENT ACKNOWLEDGMENT
By purchasing or accepting Financial & Wealth Strategy Services, the Client acknowledges that:
The strategy fee is compensation for the strategic services purchased.
The strategy fee is not payment for a life insurance policy.
Purchasing insurance is not required to receive the strategic service.
Any insurance transaction is handled separately under applicable insurance requirements.
Alexandra RamĂrez is not acting as the Client's attorney.
Legal Estate Planning recommendations and documents are the responsibility of the Client's attorney.
The Client remains free to accept or decline any insurance product or other separately offered service.
6. COORDINATION WITH ATTORNEYS AND OTHER PROFESSIONALS
As part of certain Services, Alexandra RamĂrez or the Company may facilitate communication, organize information, and coordinate the process between the Client and independent attorneys, CPAs, insurance professionals or other licensed professionals.
Such coordination does not create an attorney-client relationship between the Client and Alexandra RamĂrez or FinanciallyFitLatina.
The Client's attorney-client relationship, if any, exists solely between the Client and the attorney providing legal services, subject to the attorney's own engagement terms.
The Company does not control or direct the attorney's independent professional judgment.
Each professional remains independently responsible for the advice and services provided within that professional's scope of practice.
7. CLIENT RESPONSIBILITY AND FINAL DECISIONS
The Client acknowledges that all final decisions concerning the Client's:
Estate Plan
Beneficiaries
Assets
Trusts or wills
Legal structures
Insurance
Investments
Business interests
Tax matters
Financial arrangements
remain the responsibility of the Client after consultation with the appropriate licensed professionals when applicable.
The Client is responsible for providing complete and accurate information.
The Company is not responsible for conclusions or strategies affected by inaccurate, incomplete, outdated or omitted information supplied by the Client.
EDUCATIONAL PROGRAMS, EVENTS & DIGITAL PRODUCTS
8. EDUCATIONAL NATURE OF SERVICES
Courses, programs, memberships, workshops, events, digital products, coaching and educational content are provided for educational and informational purposes.
Unless expressly stated otherwise in a specific service agreement, educational Services do not constitute individualized legal, tax, accounting, investment or other regulated professional advice.
Participants should consult their own appropriately licensed professionals before making decisions requiring such professional advice.
9. OPTIONAL FINANCIAL PRODUCTS AND SERVICES
Clients or Participants may receive education or information concerning financial products or strategies, including insurance or other financial solutions.
Any decision to apply for, purchase or implement a financial product is voluntary.
Where a product or transaction requires a license, recommendation, suitability determination, application, disclosure or other regulated activity, those activities will be conducted through the appropriately licensed individual or entity and subject to the applicable disclosures and requirements.
No purchase of a particular financial product is required solely because a Client purchases an educational, diagnostic or strategy Service from the Company unless expressly disclosed otherwise.
10. NO GUARANTEE OF RESULTS
The Company provides education, tools, strategies, diagnostics, coaching and coordination designed to assist Clients and Participants in making more informed decisions.
However, individual results vary.
The Company does not guarantee:
Results depend on numerous factors outside the Company's control, including the Client's circumstances, decisions, implementation, market conditions and the advice or actions of independent professionals.
EVENTS & PROGRAM PARTICIPATION
11. EVENT AND PROGRAM TERMS
For events, masterminds, retreats, workshops or other live experiences, Participants agree to comply with the details, rules and policies described in the applicable promotion, registration materials or communications.
Schedules, speakers, coaches, locations, hotels, activities and experiences may be changed due to availability, weather, safety considerations, regulations or circumstances outside the Company's reasonable control.
Participants agree to behave professionally and respectfully toward other Participants, speakers, coaches, vendors and staff.
The Company reserves the right to remove a Participant for abusive, disruptive, threatening or inappropriate behavior, subject to applicable law and the terms of the applicable event.
12. PRIVATE COMMUNITIES
If a Service includes access to a private community, including Skool, Facebook, Telegram, Slack or another platform, the Participant agrees to:
Maintain the confidentiality of private member interactions
Treat members respectfully
Refrain from unauthorized solicitation or promotion
Refrain from sending abusive or unwanted communications
Follow community guidelines
Access may be suspended or terminated for material violations of these requirements.
PAYMENTS, CANCELLATIONS & REFUNDS
13. PAYMENT TERMS
By purchasing a Service, the Client authorizes the Company and its payment processors to charge the amount displayed at checkout.
The Client is responsible for reviewing the description, price and terms of the Service before completing the purchase.
Where a payment plan is offered, the Client remains responsible for all payments agreed to at checkout, subject to applicable law and the terms of the specific Service.
14. CANCELLATIONS AND REFUNDS
Except where otherwise expressly stated in writing for a specific Service or where otherwise required by applicable law, payments are final and non-refundable once the applicable digital product has been delivered, program access has been granted, reserved event capacity has been committed, or professional/strategic services have been rendered or commenced.
Any Service-specific cancellation, rescheduling or refund terms displayed at checkout or in a separate service agreement will control if they conflict with this general provision.
The Company may postpone or reschedule events or programs because of circumstances outside its reasonable control and may provide an appropriate rescheduling option, credit or other remedy consistent with the applicable Service terms and law.
15. PAYMENT DISPUTES AND CHARGEBACKS
Clients agree to contact the Company in good faith regarding billing concerns before initiating a payment dispute or chargeback when reasonably possible.
Nothing in this Agreement is intended to waive any right that cannot lawfully be waived.
The Company reserves the right to provide this Agreement, proof of purchase, proof of access, communications, attendance records, service records and other relevant documentation to payment processors or financial institutions in connection with a legitimate payment dispute.
INTELLECTUAL PROPERTY & CONFIDENTIALITY
16. INTELLECTUAL PROPERTY
All proprietary materials provided through the Services—including videos, templates, worksheets, presentations, methodologies, frameworks, maps, educational materials, graphics, exercises, recordings and other content—remain the intellectual property of the Company or their respective owners.
Purchasing a Service provides the Client with a limited, personal, non-transferable right to use the materials for their own purposes.
Clients may not reproduce, sell, distribute, publish, sublicense, copy or commercially exploit proprietary materials without prior written authorization.
17. CONFIDENTIALITY
Participants in private coaching, masterminds, communities or group programs agree to respect the privacy and confidential information of other Participants.
Clients may not disclose another Participant's private financial information, business strategies, contact information or personal information without authorization.
Nothing in this provision prohibits legally protected communications, truthful statements required by law, reports to governmental or regulatory authorities, or the exercise of rights that cannot lawfully be waived.
LIABILITY & PROFESSIONAL RELATIONSHIPS
18. INDEPENDENT PROFESSIONALS
Attorneys, CPAs, insurance professionals, investment professionals, speakers, coaches, vendors or other third parties who provide separate professional services remain independently responsible for those services.
Unless expressly stated otherwise in writing, the Company does not guarantee or assume responsibility for the independent professional judgment, advice, services, acts or omissions of third-party professionals.
19. LIMITATION OF LIABILITY
To the fullest extent permitted by applicable law, the Company shall not be liable for indirect, incidental, special or consequential damages arising from the use of the Services or from decisions made based on educational information provided through the Services.
Nothing in this Agreement is intended to exclude or limit liability that cannot legally be excluded or limited under applicable law.
20. ASSUMPTION OF RISK FOR EVENTS
Participants acknowledge that certain live events, travel, transportation, recreational activities or experiences may involve inherent risks.
Participants are responsible for following safety instructions and exercising reasonable care.
Participants are encouraged to maintain appropriate health, travel and personal insurance where relevant.
MEDIA & MARKETING
21. PHOTOGRAPHY, VIDEO AND MEDIA
For live events where photography or recording is disclosed, Participants acknowledge that photographs, video or audio may be captured for documentation, educational or promotional purposes.
Any applicable consent, release or opt-out process communicated for a particular event will apply.
Testimonials voluntarily provided to the Company may be used for promotional purposes consistent with the permission provided by the Client and applicable law.
CLIENT RESPONSIBILITY
22. PERSONAL RESPONSIBILITY
The Client understands that education, strategy and professional guidance require active participation and informed decision-making.
The Client remains responsible for deciding whether and how to implement information or strategies discussed through the Services.
The Client agrees to seek appropriate legal, tax, accounting, investment or other professional advice when required by their individual circumstances.
DATA & PRIVACY
23. CLIENT INFORMATION
The Company may collect information reasonably necessary to deliver Services, process payments, communicate with Clients, organize financial or patrimonial information and administer programs or events.
Information will be handled in accordance with applicable privacy laws and any applicable Company privacy policy.
Financial, patrimonial and personal information supplied for individual strategic services will be treated with reasonable confidentiality, subject to disclosures authorized by the Client or required by law.
GOVERNING LAW
24. GOVERNING LAW AND VENUE
This Agreement shall be governed by the laws of the State of Florida, without regard to conflict-of-law principles.
Subject to applicable law and any mandatory jurisdictional requirements, disputes arising under this Agreement shall be brought in the appropriate courts located in Miami-Dade County, Florida.
MODIFICATIONS
25. CHANGES TO THESE TERMS
The Company may update these Terms and Conditions periodically.
Changes will apply prospectively when published or otherwise communicated, except as permitted by applicable law.
The terms applicable to a particular purchase will be those in effect at the time of purchase, together with any specific terms presented for that Service.
ENTIRE AGREEMENT
26. ENTIRE AGREEMENT
This Agreement, together with the applicable Service description, checkout terms and any separately executed written agreement, constitutes the agreement between the Client and the Company concerning the purchased Service.
The Client acknowledges that they are not relying upon promises of guaranteed financial, business, legal or personal results that are not expressly stated in writing.
ELECTRONIC ACCEPTANCE
27. ACKNOWLEDGMENT AND ACCEPTANCE
By clicking an acceptance checkbox, completing payment, registering for a Service, electronically signing, or accessing a purchased Service, the Client acknowledges that they:
Have read this Agreement
Understand the nature and scope of the Service being purchased
Understand the Company's refund and payment terms
Understand that results are not guaranteed
Understand that Alexandra RamĂrez is a Financial & Wealth Strategist and is not acting as the Client's attorney
Understand that FinanciallyFitLatina does not independently provide legal advice or prepare Estate Planning legal documents
Understand that legal recommendations, legal structures and legal documents must be determined and handled by an appropriately licensed attorney
Understand that coordination by Alexandra RamĂrez does not replace independent legal advice
Voluntarily agree to be bound by these Terms and Conditions
ESTATE PLANNING SERVICES ACKNOWLEDGMENT
If the Client purchases a Financial & Patrimonial Diagnostic, Patrimonial Map, Gap Analysis, Legacy Strategy or other service associated with Estate Planning, the Client specifically acknowledges that the Company is providing financial/patrimonial organization, education, strategy and coordination—not legal representation.
The Client understands that any attorney involved in the process exercises independent professional judgment and is solely responsible for legal advice, selection of appropriate legal structures, and preparation and review of legal documents.
COMPANY
Alexia Enterprises, LLC dba FinanciallyFitLatina
Alexandra RamĂrez
Founder & CEO
Financial & Wealth Strategist
Miami, Florida
info@financiallyfitlatina.com
ELECTRONIC CONSENT
By completing my purchase, I confirm that I have read, understand and agree to the Terms & Conditions of Purchase and Services, including the Financial & Wealth Strategy and Estate Planning disclosures above.
