Terms of Service

Red to Black Advisory Group LLC

Last updated: December 2025

1. Overview

These Terms of Service govern your use of FromRedtoBlack.net and any products, services, digital downloads, or content provided by Red to Black Advisory Group LLC. By accessing or using our website or purchasing any of our products, you agree to these Terms.

If you do not agree with these Terms, please do not use our website or services.

2. Digital Products

All digital products, including the Debt to Freedom Program, the Workbook, and the Master Spreadsheet System, are delivered electronically and provide immediate access upon purchase.

Because access is instant and digital files cannot be returned, all digital product sales are final and non-refundable.

If you experience issues accessing your purchase, contact support@fromredtoblack.net.

3. Signed Paperback Orders

Signed physical books are final sale and non-returnable.

If your book arrives damaged, email support@fromredtoblack.net within 7 days with photos and we will arrange a replacement.

4. Pricing & Payments

All payments are processed securely through WooCommerce using third-party payment gateways. By completing a purchase, you authorize Red to Black Advisory Group LLC to charge your selected payment method for the total amount shown at checkout.

We do not store or have access to your full payment information.

5. Personal Use License

All digital downloads are for personal, non-commercial use only. You may not:

– Reproduce, distribute, or share the materials with others

– Upload the materials to any public or private platform

– Modify the materials for resale or redistribution

– Claim the content or spreadsheets as your own

All materials are protected under U.S. copyright law and owned exclusively by Red to Black Advisory Group LLC.

6. Email Communications

By downloading our free Expense Tracker or purchasing any product, you consent to receive emails from Red to Black Advisory Group LLC, including product delivery emails, confirmations, educational content, newsletters, and updates.

You may unsubscribe from non-essential emails at any time.

7. Website Use & Conduct

You agree not to:

– Interfere with or damage the website

– Attempt unauthorized access

– Upload harmful code

– Use the website for unlawful purposes

We may restrict access for violations of these Terms.

8. Limitation of Liability

Our content and products are educational and are not financial, legal, tax, or investment advice. You are responsible for your own financial decisions.

Red to Black Advisory Group LLC is not liable for losses resulting from the use or misuse of our content, inaccuracies in third-party data, or temporary website interruptions.

9. Disclaimers

We do not guarantee specific financial outcomes. Results depend on personal circumstances, habits, and implementation.

We provide tools and education — execution is your responsibility.

10. Intellectual Property

Unauthorized use is prohibited.

11. Changes to These Terms

We may update these Terms periodically. The ‘Last updated’ date reflects the most recent version.

Continued use of the site indicates acceptance of the updated Terms.

12. Contact Us

For questions about these Terms, contact support@fromredtoblack.net.

For business or legal correspondence:

Red to Black Advisory Group LLC