LCJ Financial Center LLC
Effective date: October 13, 2026
These Terms & Conditions ("Terms") govern your use of lcjfinancial.com and the products, courses, workshops, and services offered by LCJ Financial Center LLC ("LCJ," "we," "us," or "our"), including the Prosperity for Life™ platform. By using our website or purchasing from us, you agree to these Terms and to our Privacy Policy. If you do not agree, please do not use our website or services.
1. Educational services, not individual advice
LCJ provides financial education, coaching, and strategic planning resources. Content on our website, in our courses, workshops, assessments, and communications is general information. It is not individual legal, tax, accounting, securities, investment, or credit advice. Consult a qualified professional about your specific situation.
2. No guarantees of results
We do not guarantee any particular outcome, including financing or funding decisions, loan terms, credit score changes, property purchases, rental income, business revenue, or investment returns. Financing and lending decisions are made solely by lenders under their own underwriting criteria. Examples and illustrations are for education only and are not promises of future results.
3. Regulated services
Mortgage lending, real estate brokerage, property management, and other regulated services are provided only by appropriately licensed professionals or entities, which may have their own agreements and disclosures. Requesting information from LCJ does not create a lending, brokerage, or fiduciary relationship.
4. Eligibility and accounts
You must be at least 18 years old to use our services. You agree to provide accurate information and to keep any account login confidential. You are responsible for activity under your account.
5. Purchases, payments, and refunds
Prices are listed in U.S. dollars and are due at purchase unless stated otherwise. Course access is for your personal, non-transferable use. Refunds: if you are not satisfied with a digital course, you may request a refund within 14 days of purchase by emailing info@lcjfinancial.com. Consulting engagements are governed by their written agreement.
6. Communications
By submitting a form, you agree that we may contact you by email about your request. Text messages are sent only if you separately opt in, as described in our SMS Terms. You can unsubscribe from email or reply STOP to texts at any time.
7. Intellectual property
All website content, courses, guides, workbooks, videos, frameworks, trademarks (including Prosperity for Life™), and materials are owned by LCJ or its licensors and protected by copyright and trademark law. You may use them for your own personal, non-commercial learning. You may not copy, resell, redistribute, or create derivative works without our written permission.
8. Acceptable use
You agree not to misuse the website, including by submitting false information, attempting unauthorized access, interfering with site operation, or using our content to build competing products.
9. Links to other websites
Our website may link to other websites and services. We are not responsible for their content, policies, or practices.
10. Disclaimer of warranties
The website and materials are provided "as is" and "as available," without warranties of any kind, express or implied, to the fullest extent permitted by law.
11. Limitation of liability
To the fullest extent permitted by law, LCJ and its owners, employees, and partners are not liable for indirect, incidental, special, consequential, or punitive damages, or for financial decisions you make based on our educational content. Our total liability for any claim is limited to the amount you paid us for the product or service giving rise to the claim in the 12 months before the claim.
12. Indemnification
You agree to indemnify and hold LCJ harmless from claims arising from your misuse of the website or materials or your violation of these Terms.
13. Governing law
These Terms are governed by the laws of the State of Washington. Any dispute will be resolved in the state or federal courts located in Pierce County, Washington.
14. Changes to these Terms
We may update these Terms. The effective date above shows when they last changed. Continued use after an update means you accept the revised Terms.
15. Contact us
LCJ Financial Center LLC
15 Oregon Ave, Ste 110, Tacoma, WA 98409
Email: info@lcjfinancial.com
Phone: (844) 442-0186