Terms and Conditions for Glover Empires, LLC dba Glover Budgets

Effective Date: June 20, 2026

These Terms and Conditions (“Terms”) govern your access to and use of www.gloverbudgets.com and the financial coaching services provided by Glover Empires, LLC dba Glover Budgets (“we,” “us,” or “our”). By purchasing the Wealth Alignment Package (our signature financial coaching package), you agree to be bound by these Terms.

1. Service Eligibility

To engage our services, you must be at least 18 years of age and possess the legal authority to enter into a binding contract. By purchasing the Wealth Alignment Package (our signature financial coaching package), you represent and warrant that you are 18 years of age or older. We do not provide services to minors, and any engagement found to be with a minor will be considered a breach of these Terms, resulting in immediate termination of the service agreement. If you misrepresent your age to gain access to our services, you acknowledge that you are acting in bad faith. In such an event, you agree to indemnify and hold Glover Empires, LLC harmless from any and all claims, losses, or damages resulting from your breach of this eligibility requirement, to the fullest extent permitted by law.

2. Nature of Services: The Wealth Alignment Package

  • The Wealth Alignment Package is a financial coaching package designed to provide education, support for money mindset development, and the implementation of strategic financial systems.

  • We do not provide investment advice, financial planning, tax planning, or legal advice.

  • Coaches are not therapists or licensed mental health professionals.

  • All services provided under the Wealth Alignment Package financial coaching package are for educational purposes only and do not establish a fiduciary relationship between the Coach and the Client.

3. Payment and Refund Policy

  • All fees for the Wealth Alignment Package financial coaching package must be paid in full prior to the start of the scheduled services.

  • Refunds for the Wealth Alignment Package are provided at the sole discretion of Glover Budgets.

  • If a scheduled service within the Wealth Alignment Package is canceled by the client with less than 12 hours' notice, the service fee may be forfeited.

4. Intellectual Property

  • All materials, including templates, workshop presentations, and digital content provided within the Wealth Alignment Package financial coaching package, are the exclusive property of Glover Empires, LLC.

  • Clients are granted a limited, personal, non-commercial license to use these materials strictly for their own personal financial management.

5. Client Conduct

  • Clients are expected to provide accurate information and engage professionally.

  • Glover Budgets reserves the right to terminate the relationship associated with the Wealth Alignment Package financial coaching package, and revoke access to materials, if a client behaves inappropriately or if professional referrals to a licensed mental health or financial professional are determined to be necessary.

6. Limitation of Liability

To the maximum extent permitted by law, Glover Empires, LLC shall not be liable for any direct, indirect, incidental, or consequential damages arising out of your use of our website or your participation in the Wealth Alignment Package financial coaching package.

7. Force Majeure

We are not liable for any failure to perform our obligations under these Terms where such failure results from any cause beyond our reasonable control, including mechanical, electronic, or communications failure.

8. Electronic Consent

By purchasing the Wealth Alignment Package, you agree to receive communications from us electronically, including notifications sent to and from info@gloverbudgets.com. You acknowledge that these electronic communications satisfy any legal requirements for written notice.

9. Dispute Resolution

Any disputes arising from these Terms shall be settled through binding arbitration in the State of Ohio, rather than in court.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Ohio.

11. Changes to Terms

We reserve the right to update these Terms at any time. The "Effective Date" at the top of this document will be updated to reflect any changes.

Privacy Policy for Glover Empires, LLC dba Glover Budgets

Effective Date: June 20, 2026

Glover Empires, LLC dba Glover Budgets (“we,” “us,” or “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit www.gloverbudgets.com or engage with our financial coaching services.

1. Information We Collect

We collect the following categories of personal information:

  • Identifiers: Name, email address, and phone number.

  • Commercial Information: Records of services purchased, specifically regarding the Wealth Alignment Package.

  • Professional/Financial Information: Budget spreadsheets, spending habits, and financial goals shared during Wealth Alignment Sessions, used strictly for educational purposes.

Data Retention: We retain your personal data only as long as necessary for tax, legal, or dispute resolution purposes.

2. How We Use Your Information

We use the collected information to:

  • Provide, operate, and maintain our financial coaching services.

  • Improve, personalize, and expand our website and educational resources.

  • Communicate with you via info@gloverbudgets.com.

  • Process payments and manage your participation in the Wealth Alignment Package.

3. Cookies and Tracking Technologies

We use cookies and similar tracking technologies (such as Google Analytics) to monitor site traffic. You can instruct your browser to refuse all cookies. Our website does not currently respond to "Do Not Track" (DNT) signals.

4. Sharing Your Information

We do not sell or share your personal information for cross-context behavioral advertising. We may disclose your data only to:

  • Service Providers: Third-party vendors performing services on our behalf (e.g., payment processors).

  • Business Transfers: In the event of a merger, acquisition, or asset sale.

  • Legal Requirements: If required to do so by law or valid authority request.

5. Your Rights & Verification

You have the right to access, correct, or request deletion of your personal data. We will verify your identity before fulfilling requests. Please contact info@gloverbudgets.com. We typically respond within 30 days.

6. Children’s Privacy

Our service is for adults; we do not knowingly collect information from children under 18.

7. Email Marketing

You may opt out of marketing communications at any time via the unsubscribe link in our emails.

8. Security

We implement reasonable security measures, including the use of secure portals for sensitive financial documents. No internet transmission is 100% secure.

9. Third-Party Links

We are not responsible for the privacy practices of external links found on our site.

10. Contact Us

For privacy concerns, email: info@gloverbudgets.com.

Glover Budgets Accessibility Statement

Last Updated: June 20, 2026

Our Commitment

Glover Empires, LLC dba Glover Budgets is committed to ensuring digital accessibility for people with disabilities. We are continuously improving the user experience for everyone and aim to conform to the Web Content Accessibility Guidelines (WCAG) 2.2 Level AA (a globally recognized standard for web accessibility).

Conformance Status

This website has not yet undergone a formal third-party accessibility audit. We are currently in the process of reviewing our digital content and implementing improvements to ensure accessibility for all users. We review our accessibility status at least annually.

Compatibility & Testing

We are currently in the process of testing our website for compatibility with common web browsers and assistive technologies, such as screen readers. As this work is ongoing, we appreciate your patience and feedback as we identify and address potential barriers.

Third-Party Content

Please note that our website may contain links to third-party websites or embedded content (such as booking platforms or payment gateways). While we prioritize working with accessible partners, we cannot guarantee the accessibility of third-party content.

Feedback and Support

We welcome your feedback. If you encounter any accessibility barriers on our website, please contact us at info@gloverbudgets.com.

  • How to reach us: Please use the subject line "Accessibility Feedback" so that we may prioritize your request.

  • What to expect: We will acknowledge your report within 5 business days and strive to provide a solution or an alternative method for accessing the information. We treat all accessibility reports with high priority.

  • Alternative Formats: If you are unable to access content due to a disability, please reach out to us, and we will happily provide the requested information in an accessible format (such as an accessible PDF or via email).

  • Scope: This commitment applies to all content hosted on www.gloverbudgets.com.

Ongoing Efforts

Accessibility is an ongoing priority for Glover Budgets. We are committed to maintaining a site that is functional and inclusive, and we will update this statement as our digital infrastructure evolves.

Disclaimers for Glover Empires, LLC dba Glover Budgets


1. Eligibility

To engage in the Wealth Alignment Package (our financial coaching package), you must be at least 18 years of age. By purchasing or participating in our services, you represent and warrant that you are 18 years of age or older. Glover Empires, LLC does not provide services to minors, and any engagement found to be with a minor will be considered a breach of these terms, resulting in immediate termination of the service agreement.


2. Financial Coaching vs. Financial Advice

Glover Empires, LLC dba Glover Budgets is a financial coaching service. The information, strategies, and systems provided through our financial coaching package, the Wealth Alignment Package, as well as our workshops and website, are for educational and informational purposes only. We are not licensed financial advisors, certified financial planners, tax professionals, or legal professionals. We do not provide personalized investment advice, tax planning, or legal counsel. Your financial situation is unique, and you should consult with a qualified professional before making any significant financial, investment, or legal decisions.


3. No Fiduciary Relationship & Assumption of Risk

Participation in the Wealth Alignment Package (our financial coaching package) or any other service provided by Glover Budgets does not establish a fiduciary relationship between the Coach and the Client. Any systems, tools, or resources shared are meant to support your personal financial education and organization. By participating in our financial coaching package, you explicitly assume all risks associated with your financial choices. You remain solely responsible for your own financial decisions, actions, and the outcomes thereof. Glover Empires, LLC assumes no liability for any loss, damage, or consequence resulting from the implementation of any information or systems shared during our sessions.


4. Accuracy of Information ("As-Is" Disclaimer)

While we endeavor to keep the information on our website and in our financial coaching package materials accurate and up to date, financial regulations, systems, and structures change frequently. All content, tools, and resources are provided on an "as-is" and "as-available" basis without any representations or warranties of any kind. Glover Empires, LLC does not warrant that the information is error-free, complete, or applicable to your specific jurisdiction.


5. Third-Party Resources and Tools

During the course of our financial coaching package, we may reference, link to, or recommend third-party tools, applications, websites, or software (e.g., budgeting platforms, financial calculators, or banking products). Glover Empires, LLC does not control, endorse, or assume responsibility for the security, accuracy, privacy policies, or functionality of any third-party resources. Any use of third-party tools is entirely at your own risk.


6. Earnings and Results Disclaimer

While we strive to help you create effective financial systems through our Wealth Alignment Package, your financial success depends on numerous factors, including your personal commitment, economic conditions, and individual financial circumstances. We make no guarantees or warranties, express or implied, regarding specific financial outcomes, debt reduction, or net worth increases. All testimonials or case studies presented are for illustrative purposes and do not guarantee similar results for you.