Effective Date: June 11, 2026
Last Updated: June 11, 2026
These Terms & Conditions, also referred to as the “Terms,” govern your use of Workwithcollab.com, including our website, forms, tools, resources, communications, coaching, planning, education, appointment scheduling, and customer-support services provided by Collaborative Credit Solutions, also referred to as “CCS,” “we,” “us,” or “our.”
By accessing our website, submitting information, scheduling a consultation, communicating with us, or using our services, you agree to these Terms. If you do not agree, please do not use our website or services.
You must be at least 18 years old and legally capable of entering into a binding agreement to use our website or services. By using our website or services, you represent that you meet these requirements.
We provide educational coaching, planning support, budgeting guidance, organizational tools, customer support, appointment-based consultations, and related resources.
Our services are designed to help clients understand general options, organize personal goals, prepare for coaching sessions, and make informed decisions. Our services are educational and informational in nature.
We do not provide legal, tax, accounting, or other licensed professional services unless expressly stated in a separate written agreement and permitted by law.
Our website, resources, coaching, communications, and tools are provided for general educational and informational purposes only. They are not a substitute for advice from a qualified professional who is familiar with your specific circumstances.
You are responsible for your own decisions. Before making important legal, tax, accounting, business, household, or personal planning decisions, you should consult an appropriately licensed professional.
We do not guarantee any specific result, outcome, approval, savings, improvement, timeline, or benefit from using our website, resources, coaching, communications, or services.
Results vary based on individual circumstances, actions taken by the client, third-party decisions, market conditions, legal requirements, timing, documentation, and other factors outside our control.
Any examples, testimonials, estimates, calculators, case studies, or educational materials are for illustration only and do not guarantee that you will achieve the same or similar results.
You agree to:
Provide accurate, current, and complete information.
Promptly update information that changes.
Use our website and services only for lawful purposes.
Review all information, documents, agreements, fees, and disclosures before making decisions.
Maintain your own records.
Consult qualified professionals when needed.
Not rely on website content or coaching as a substitute for licensed professional advice.
Not submit false, misleading, fraudulent, or unauthorized information.
Not use our website or services to violate any law or third-party right.
You are solely responsible for the decisions you make and the actions you take based on information, coaching, tools, resources, or communications you receive from us.
Fees for services will be stated in your agreement, invoice, checkout page, order form, or other written communication.
By providing a payment method, you authorize us and our payment processors to charge applicable fees. If you enroll in a recurring plan, you authorize recurring charges according to the plan terms disclosed to you.
You agree to keep your payment information current. Failed or late payments may result in suspension or termination of services.
Unless a written agreement, checkout page, or posted refund policy states otherwise, fees already paid are nonrefundable except where required by law.
You may request cancellation of future services or recurring billing by emailing info@workwithcollab.com.
Your cancellation request should include your full name, contact information, and the service you wish to cancel. Cancellation becomes effective after we process your request. You remain responsible for charges incurred before cancellation is processed, unless prohibited by law or stated otherwise in a written agreement.
By providing your contact information, you agree that we may contact you regarding your inquiry, appointments, account, services, transactions, customer-support requests, and relationship with us by phone, email, voicemail, or other non-SMS communication methods, where permitted by law.
SMS/text messaging is optional and requires a separate opt-in. You may use our website, submit forms, request information, schedule appointments, and purchase services without consenting to receive SMS/text messages.
By opting in to receive text messages from Collaborative Credit Solutions, you consent to receive recurring SMS or MMS messages from us at the phone number you provide.
Messages may include responses to inquiries, appointment scheduling, appointment reminders, service updates, account notifications, requested information, and customer-support communications.
Message frequency varies. Message and data rates may apply. Consent is not a condition of purchase.
To stop receiving text messages, reply STOP to any message from us. After you reply STOP, we may send one confirmation message. For help, reply HELP or email info@workwithcollab.com.
Wireless carriers are not liable for delayed or undelivered messages.
You represent that you are the account holder or authorized user of the phone number you provide. If your phone number changes or is reassigned, you agree to notify us promptly at info@workwithcollab.com.
We do not share mobile opt-in information or SMS consent with third parties or affiliates for marketing or promotional purposes. Additional details are provided in our Privacy Policy.
If you provide your email address, we may email you regarding your inquiry, appointments, account, services, customer-support requests, educational resources, and administrative notices.
You may unsubscribe from marketing emails by using the unsubscribe link in the email or by contacting info@workwithcollab.com. We may still send non-marketing emails related to your account, appointments, services, transactions, legal notices, security, or customer support.
Your use of our website and services is also governed by our Privacy Policy. By using our website or services, you acknowledge that we may collect, use, and disclose information as described in the Privacy Policy.
Our website may include tools, forms, worksheets, articles, calculators, checklists, downloads, examples, and other resources. These materials are provided for general informational purposes only.
We do not guarantee that any tool, estimate, example, or resource will be complete, accurate, current, or applicable to your specific circumstances. You should not rely solely on website tools or educational resources when making important decisions.
Our website or communications may include links to third-party websites, platforms, tools, resources, or services. These links are provided for convenience only.
We do not control and are not responsible for third-party websites, tools, platforms, resources, services, content, claims, fees, agreements, privacy practices, terms, or results. Your use of any third-party website, tool, platform, or service is at your own risk and subject to that third party’s terms and policies.
All website content, text, graphics, logos, designs, tools, worksheets, downloads, videos, resources, service materials, workflows, trademarks, and other materials are owned by Collaborative Credit Solutions or its licensors and are protected by intellectual property laws.
You may use our website and materials for your personal, non-commercial use only. You may not copy, reproduce, distribute, modify, display, sell, license, exploit, scrape, reverse engineer, or create derivative works from our materials without our prior written permission.
If you submit information, messages, feedback, testimonials, reviews, documents, or other content to us, you represent that you have the right to submit it and that it is accurate to the best of your knowledge.
You grant us a limited right to use your submissions as reasonably necessary to provide services, respond to you, operate our business, improve our services, comply with law, and enforce our rights. We will handle personal information according to our Privacy Policy.
You agree not to:
Use our website or services for unlawful, fraudulent, abusive, or harmful purposes.
Interfere with website security or functionality.
Attempt unauthorized access to our systems, accounts, data, or networks.
Upload malware, malicious code, or harmful files.
Scrape, harvest, or misuse data.
Impersonate any person or entity.
Misrepresent your identity or information.
Violate intellectual property, privacy, publicity, contractual, or other rights.
Use our content to compete with us or create similar services.
Encourage or assist anyone else in violating these Terms.
We may modify, suspend, or discontinue any part of our website or services at any time. We are not responsible for delays, interruptions, errors, outages, or unavailability caused by events outside our reasonable control, including internet failures, telecommunications issues, provider outages, power interruptions, cyber incidents, system maintenance, carrier filtering, payment processor issues, government actions, legal changes, or other unexpected events.
To the fullest extent permitted by law, our website, tools, resources, communications, coaching, and services are provided “as is” and “as available,” without warranties of any kind, whether express, implied, statutory, or otherwise.
We disclaim all warranties, including warranties of accuracy, completeness, reliability, merchantability, fitness for a particular purpose, title, non-infringement, availability, security, and error-free operation.
We do not warrant that our website or services will be uninterrupted, secure, error-free, or free from viruses or harmful components.
To the fullest extent permitted by law, Collaborative Credit Solutions and its owners, officers, employees, contractors, agents, affiliates, service providers, and representatives will not be liable for any indirect, incidental, consequential, special, exemplary, punitive, or enhanced damages, including lost profits, lost opportunities, lost data, business interruption, reputational harm, or other losses arising out of or related to your use of our website, resources, communications, coaching, or services.
To the fullest extent permitted by law, our total liability for any claim arising out of or related to the website, services, communications, coaching, or these Terms will not exceed the greater of:
The amount you paid to us for services during the three months before the event giving rise to the claim; or
$100.
Some jurisdictions do not allow certain limitations of liability, so some limitations may not apply to you.
To the fullest extent permitted by law, you agree to defend, indemnify, and hold harmless Collaborative Credit Solutions and its owners, officers, employees, contractors, agents, affiliates, service providers, and representatives from and against any claims, damages, losses, liabilities, costs, and expenses, including reasonable attorneys’ fees, arising out of or related to:
Your use or misuse of our website or services.
Your violation of these Terms.
Your violation of any law or third-party right.
Information or content you provide.
Decisions or actions you take based on our website, resources, communications, coaching, or services.
Your unauthorized use of another person’s phone number, email address, payment method, or personal information.
We may suspend or terminate your access to our website or services if we believe you violated these Terms, failed to pay fees, misused our services, provided false information, created legal or security risk, or engaged in conduct that we determine is harmful to us, our clients, third parties, or our business.
Termination does not affect rights or obligations that accrued before termination.
These Terms are governed by the laws of the State of Arizona, without regard to conflict-of-law principles, except where federal law applies or where applicable consumer protection law requires otherwise.
Before filing a claim, you agree to contact us at info@workwithcollab.com and attempt to resolve the dispute informally. Your notice should include your name, contact information, a description of the dispute, and the relief you seek.
If the dispute is not resolved informally, either party may pursue available remedies in a court of competent jurisdiction, unless a separate written agreement between you and us requires a different dispute-resolution process.
To the fullest extent permitted by law, you and Collaborative Credit Solutions waive the right to participate in any class action, collective action, representative action, private attorney general action, or consolidated proceeding.
To the fullest extent permitted by law, any claim arising out of or related to our website, services, communications, coaching, resources, or these Terms must be filed within one year after the claim arose. Claims filed after that period are barred.
We may update these Terms from time to time. When we update them, we will revise the “Last Updated” date above. Your continued use of our website or services after updated Terms are posted means you accept the updated Terms, to the extent permitted by law.
If any provision of these Terms is found invalid, illegal, or unenforceable, the remaining provisions will remain in full force and effect.
These Terms, together with our Privacy Policy and any written service agreement, order form, invoice, or signed agreement that applies to you, make up the entire agreement between you and Collaborative Credit Solutions regarding your use of our website and services.
If there is a conflict between these Terms and a signed written agreement, the signed written agreement controls for the specific services covered by that agreement.
For questions about these Terms & Conditions, contact us at:
Collaborative Credit Solutions
Website: Workwithcollab.com
Email: info@workwithcollab.com