If you do not agree to the Liability Release Agreement below, STOP now, and do not use our website, links, articles, e-mails, videos, social media, programs, products, services or anything you have purchased or experienced through us. Use of and access to steffan.ca, portal.steffan.ca, biblicalfinance.ca, portal.biblicalfinance.ca or any of our other domains and the information, materials, services, and other content available on or through these sites are subject to these terms of use and all applicable laws.

By visiting any of our websites, the visitor of this Site, acknowledge reading, understand and agree to accept all parts of this Liability Release Agreement.

For and in consideration of access to our websites which is good and valuable consideration, you, THEREFORE under the terms of this Agreement and sufficiency of which is hereby acknowledged, do hereby release and forever discharge Steffan Consulting Inc, of the City of Calgary, Province of Alberta including their agents, employees, successors and assigns, and their respective heirs, personal representatives, affiliates, successors and assigns, and any and all persons, firms or corporations liable or who might be claimed to be liable, whether or not herein named, none of whom admit any liability to the undersigned, but all expressly denying liability, from any and all claims, demands, damages, actions, causes of action or suits of any kind or nature whatsoever, which you now have or may hereafter have, arising out of or in any way relating to any and all injuries and damages of any and every kind, to both person and property, and also any and all injuries and damages that may develop in the future, as a result of or in any way relating to the following:

The terms “we”, “us”, and “our” refer to Steffan Consulting Inc, its staff, and its volunteers.

The term “Site”, and "Sites" refer to steffan.ca, biblicalfinance.ca, money-skills.ca, their subdomains and any other domain used by Steffan Consulting Inc.

The term “user”, “you,” and “your” refers to site visitors, clients, and any other users of the site.

Overview
Steffan Consulting Inc is a Canadian company owned by Kathy Steffan and registered in the province of Alberta.

We provide financial education and coaching that provides information about paying off debt, understanding and managing personal finances, mindsets, lifestyle choices, developing healthy habits, goal setting, personal development, technology education, personal and business systems, portal development, and other related information used to encourage people to gain insight and skills into reaching their version of success (our “Services”).

Our websites and related portals are educational resources put together to help individuals, organizational leaders, and business owners become more informed about what healthy finances and systems look like. Information provided on these websites is general in nature and does not constitute financial advice.

No Investment or Insurance Advice
We are not licensed for and DO NOT give legal, accounting, or investment advice, nor do we sell any financial or insurance products. A competent licensed professional’s service should be sought if you need expert assistance in areas that include investment, legal, or accounting.

The content we provide is for informational purposes only and you should not construe any content or service as legal, tax, investment, financial, or other advice. Information provided about investing and insurance is general in nature. Nothing contained on these Sites constitutes a solicitation, recommendation, endorsement, or offer by us to buy or sell any securities or other financial instruments. All investments carry the risk of loss. It is the responsibility of individuals to do their own due diligence before investing in any financial or insurance products.

Accuracy of Content
We have made a significant effort to ensure the information provided through these Sites and our Services is accurate and biblical. Because we are not financial experts and are still growing in our biblical wisdom, we cannot be held responsible for information that is outdated or may inadvertently contain inaccuracies, errors, or omissions.

Before making any major decisions, we recommend you consult a licensed professional to take into account your particular financial goals and situation. A licensed professional is required to be up to date and works at a higher level than is possible for us to go.

No Guarantees
Your success depends primarily on your own effort, motivation, commitment, and follow-through. We cannot and do not guarantee that you will attain a particular result or net worth increase, and you accept and understand that results differ by each individual. Each individual's success depends on his or her background, dedication, desire, life situation, habits, motivation, and many additional factors therefore no guarantees can be made.

You agree that we are not responsible for the success or failure of your decisions, the increase or decrease of your finances or income level, or any other result of any kind that you may have as a result of information presented to you through these Sites and our Services. You further agree that you are solely responsible for your results.

Copyright
Unless otherwise specified, copyright of information provided on these websites is owned by Steffan Consulting Inc. You may not alter or modify this information in any way, including the removal of this copyright notice. We are generous with our creations and are willing to share our resources with like-minded people. Please contact us directly if you wish to use any of our content or videos.

Privacy Policy
We respect your privacy. Click here for our full privacy policy.

Linked Sites
These Sites provide external hyperlinks to third-party resources ("Resources") which lead to their related websites ("Linked Sites"). When you select these external hyperlinks you will be leaving content managed by Steffan Consulting Inc. Linked Sites are not under our control, and we are not responsible for, and do not monitor, review, investigate, verify, or validate the content of Linked Sites, including any products, information or materials contained on them. We are not responsible for the accuracy or reliability of any information on the Linked Sites.

Other websites may provide links to our Sites and our Services with or without our authorization. We do not endorse such sites and shall not be responsible or liable for any links from those sites to this Site or our Services, or for any content, advertising, products, or other materials available on or through such other sites, or any loss or damages incurred in connection therewith. We may, at our discretion, block links to this Site without prior notice.

You will need to make your own independent judgment regarding your interaction with Linked Sites. It is your responsibility to evaluate the accuracy, reliability, timeliness, and completeness of the content of Linked Sites.

We may receive a small commission from products or programs we list on our Sites. It is your responsibility to review applicable terms and policies, including privacy and data gathering practices, of third-party web sites, and should make whatever investigation you feel necessary or appropriate before proceeding with any transaction on any Linked Site.

You acknowledge and agree that we are not responsible or liable for the availability, accuracy, content or policies of third party websites or resources. You further agree that your use of third party websites and content, including without limitation, your use of any information, data, advertising, products, or other materials on or available through such websites, is at your own risk and is subject to their terms of use.

Limitation of Liability
In particular, and without limitation, we will not be liable for damages of any kind resulting from your use of or inability to use our Sites or our Services.

Recovery of Litigation Expenses
If any legal action or any arbitration or other proceeding is brought for the enforcement of this Liability Release, or because of an alleged dispute, breach, default, or misrepresentation in connection with any of the provisions of our Sites, the successful or prevailing party or parties shall be entitled to recover reasonable attorneys’ fees and other costs incurred in that action or proceeding, in addition to any other relief to which it or they may be entitled.

Severability
If any term, provision, covenant, or condition of this Agreement is held by an arbitrator or court of competent jurisdiction to be invalid, void, or unenforceable, the rest of the Agreement shall remain in full force and effect and shall in no way be affected, impaired, or invalidated.

It is understood and agreed that this Agreement is made and received in full and complete settlement and satisfaction the causes of action, claims and demands mentioned herein; that this Release contains the entire Agreement between the parties; and that the terms of this Agreement are contractual and not merely a recital. Furthermore, this Release shall be binding upon the user, and his respective heirs, executors, administrators, personal representatives, successors and assigns. This Release shall be subject to and governed by the laws of the Province of Alberta. This Release has been read and fully understood by the user.

This agreement is subject to change at any time and updates will be posted on this page.