Terms of Service

About This Page

This page is maintained by Riggs Publishing to set the rules and expectations for using theTwelve Steps to Financial Security website, lead magnet, and coaching services. It is provided as app-owned content and is not a legal certification, regulatory guarantee, or independent verification of compliance.

1. Acceptance of Terms

By accessing or using this website, requesting the free Chapter 1 download, or purchasing any coaching or product, you agree to these Terms of Service and our Privacy Policy. If you do not agree, please do not use the site or submit your information.

2. Age Requirement

You must be at least 18 years old to use this site, sign up for the lead magnet, or purchase coaching. If you are under 18, you may use the site only with the involvement and consent of a parent or legal guardian.

3. Intellectual Property

All content on this website, including text, graphics, logos, images, book excerpts, and downloadable materials, is owned by Riggs Publishing or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to view and download materials for personal, non-commercial use only. You may not reproduce, distribute, modify, sell, or create derivative works from any content without written permission.

4. User Conduct

You agree not to:

• Use the site for any unlawful purpose or in violation of any applicable law.
• Scrape, crawl, or use automated means to access the site without permission.
• Interfere with the security, availability, or integrity of the site or its services.
• Submit false, misleading, or unauthorized information.
• Reverse engineer, decompile, or attempt to extract source code from any part of the site.

5. Products and Services

This site offers information about the book Twelve Steps to Financial Security: With Jesus, a free Chapter 1 download, and paid 1-on-1 financial coaching with Kelly Riggs.

The free Chapter 1 is delivered by email to the address you provide. Coaching sessions are scheduled separately and are subject to availability and confirmation.

6. Refunds and Cancellations

All sales are final. Due to the digital nature of the free Chapter 1 PDF and the time reserved for paid coaching sessions, we do not offer refunds unless otherwise agreed in writing. If you need to reschedule a confirmed coaching session, contact us as soon as possible.

7. Educational and Financial Disclaimer

All content on this site, including the book, articles, emails, and coaching, is educational and faith-based. It is intended for general information and inspiration only.

Nothing on this site is financial, investment, tax, legal, or professional advice. Statements about income, ROI, real estate results, or financial outcomes are based on the author's experience and the experiences of some participants. They are not typical, are not guaranteed, and do not predict your results. You are solely responsible for any financial or business decisions you make.

8. Limitation of Liability

To the fullest extent permitted by law, Riggs Publishing and Kelly Riggs shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of your use of the site, content, or coaching. Our total liability to you for any claim shall not exceed the amount you paid to us, if any, in the twelve months preceding the claim.

9. Indemnification

You agree to indemnify, defend, and hold harmless Riggs Publishing, Kelly Riggs, and their affiliates from any claim, loss, liability, or expense arising from your use of the site, your violation of these Terms, or your infringement of any intellectual property or other right of any person or entity.

10. Governing Law and Arbitration

These Terms are governed by the laws of the State of Alabama, without regard to its conflict of laws principles.

Any dispute arising out of or relating to these Terms or your use of the site shall be resolved through binding arbitration in the State of Alabama, conducted in accordance with the rules of a recognized arbitration provider. Both parties waive any right to participate in a class action or class-wide arbitration. The arbitrator's decision will be final and binding. Judgment may be entered in any court having jurisdiction.

11. Changes to These Terms

We may update these Terms of Service from time to time. The latest version will always be posted on this page with the updated date. Continued use of the site after changes means you accept the revised Terms.

12. Contact Us

If you have questions about these Terms of Service, contact us at:

info@riggspublishing.com