Financial Literacy, Credit Education & Business Strategy-Made Clear

Copyright  © Clear Path Business Solutions, LLC


TERMS & CONDITIONS
Clear Path Business Solutions, LLC

Effective Date: 9/30/2025

1. Acceptance of Terms
By accessing this website, booking a consultation, enrolling in a course, participating in a cohort, or purchasing services from Clear Path Business Solutions, LLC (“Company”), you agree to be bound by these Terms & Conditions.
If you do not agree, please do not use our services.

2. Services Provided
Clear Path Business Solutions, LLC provides:
Financial literacy education
Personal and business credit education
Business consulting
Cohort-based training programs
Digital courses and downloadable materials
We provide education and strategic guidance only.
We are not:
A credit repair organization under federal CROA law
A law firm
A CPA firm
A financial institution

3. No Financial or Legal Advice
All information provided through consultations, courses, digital products, live trainings, or written materials is for educational purposes only.
You acknowledge that:
We do not provide legal advice.
We do not provide tax advice.
We do not guarantee funding approvals.
We do not guarantee credit score increases.
You are responsible for your financial decisions.
You agree to consult licensed professionals (attorneys, CPAs, financial advisors) when appropriate.

4. Payment Terms
All payments are due at the time of purchase unless otherwise stated.
For cohort programs (including but not limited to the Clear Path Legacy Cohort):
Payment plans must be completed in full.
Failure to complete payments may result in revoked access.
You are responsible for maintaining valid payment information.
We reserve the right to adjust pricing at any time.

5. Intellectual Property
All materials, including:
E-books
Workbooks
Slide decks
Videos
Cohort curriculum
Templates
Branding elements
Are the intellectual property of Clear Path Business Solutions, LLC.
You may not:
Copy
Reproduce
Distribute
Resell
Share login credentials
Without written permission.

6. Confidentiality
We respect client confidentiality.
However:
You are responsible for protecting your own login credentials.
Group coaching sessions do not guarantee confidentiality from other participants.

7. Limitation of Liability
Clear Path Business Solutions, LLC shall not be liable for:
Financial loss
Business loss
Missed funding opportunities
Credit score outcomes
Indirect or consequential damages
Use of our services is at your own risk.

8. Governing Law
These Terms shall be governed by the laws of the State of Missouri.

FINANCIAL & CREDIT DISCLAIMER
Clear Path Business Solutions, LLC provides financial literacy and credit education services.
We do not:
Remove accurate negative information from credit reports
Guarantee funding approvals
Guarantee credit score increases
Act as a credit repair organization as defined by federal law
Results vary based on:
Individual credit history
Payment behavior
Financial discipline
Market conditions
Lender requirements
You are solely responsible for implementing the strategies provided.

EARNINGS DISCLAIMER
We make no guarantees regarding income, business revenue, funding approvals, or financial outcomes.
Examples or case studies presented in courses, trainings, or marketing materials are illustrative only and do not guarantee similar results.
Business success depends on:
Individual effort
Market conditions
Skill execution
Economic factors
Personal discipline
Your results may vary.

REFUND POLICY
All sales are final unless otherwise stated in writing.
Due to the digital nature of our products, including:
Online courses
Downloadable materials
Cohort sessions
Strategy consultations
We do not offer refunds once access has been granted.
For cohort programs:
Missed sessions are the responsibility of the participant.
Payment plans must be completed regardless of attendance.
If you have concerns, please contact:
📧 Cpathbiz@outlook.com
We aim to resolve concerns professionally and respectfully.

Cohort Participation Policy
For live cohort programs:
Cameras may be required during orientation or designated sessions.
Respectful participation is mandatory.
Disruptive behavior may result in removal without refund.

“By submitting payment, you agree to the Terms & Conditions of Clear Path Business Solutions, LLC.”


Privacy Policy
Clear Path Business Solutions, LLC
Effective Date: [Insert Date]
Clear Path Business Solutions, LLC (“Company,” “we,” “our,” or “us”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, and safeguard your information when you visit our website, enroll in courses, book consultations, or purchase services.
By using our website or services, you agree to this Privacy Policy.

1. Information We Collect
Personal Information
We may collect personal information when you:
Book a consultation
Enroll in a course or cohort
Complete an intake form
Subscribe to our email list
Purchase products or services
This may include:
Full name
Email address
Phone number
Mailing or billing address
Business name
Payment details (processed securely through third-party providers)
Information related to your credit or business goals (if voluntarily provided)

Non-Personal Information
We may automatically collect:
IP address
Browser type
Device information
Website activity and usage data
This information helps us improve website performance and user experience.

2. How We Use Your Information
We use collected information to:
Provide financial literacy and consulting services
Process payments
Schedule consultations
Deliver course materials
Send educational emails and updates
Improve website functionality
Maintain business records
We do not sell, rent, or trade your personal information.

3. Payment Processing
Payments are processed securely through third-party providers such as:
Stripe
PayPal
Thinkific
Other payment platforms as applicable
We do not store full credit card numbers on our servers. Please review the privacy policies of those providers for additional details.

4. Confidentiality of Financial Information
Because our services may involve discussions about credit, business structure, and financial matters:
All client information is treated as confidential.
Information shared in consultations is used solely for advisory and educational purposes.
We do not disclose client financial information without written consent, unless required by law.

5. Cookies and Tracking Technologies
Our website may use cookies and analytics tools to:
Improve user experience
Analyze traffic patterns
Measure marketing performance
You may disable cookies in your browser settings if preferred.

6. Email Communications
If you subscribe to our email list, you may receive:
Educational content
Updates about services
Promotional information
You may unsubscribe at any time using the link provided in emails.

7. Data Security
We implement reasonable administrative, technical, and physical safeguards to protect your information. However, no method of electronic transmission or storage is 100% secure.

8. Third-Party Links
Our website may contain links to third-party websites or platforms. We are not responsible for the privacy practices of those sites.

9. Your Rights
Depending on your state of residence, you may have the right to:
Request access to your personal data
Request corrections
Request deletion of your information
Opt out of marketing communications
To make a request, contact us at:
Email: Cpathbiz@outlook.com
Website: Cpathbusinesssolutions.com

10. Children’s Privacy
Our services are intended for individuals 18 years of age or older. We do not knowingly collect information from individuals under 18.

11. Updates to This Policy
We reserve the right to update this Privacy Policy at any time. Updates will be posted on this page with a revised effective date.

12. Contact Information
Clear Path Business Solutions, LLC
St. Louis, Missouri
Email: Cpathbiz@outlook.com
Website: Cpathbusinesssolutions.com


☐ I have read and agree to the Privacy Policy and Terms & Conditions of Clear Path Business Solutions, LLC.