Effective Date: September 9, 2026

Welcome to www.denzelrodriguez.com (the “Website”), operated by Builder To Contributor LLC (“Builder To Contributor,” “we,” “us,” or “our”).

These Terms and Conditions govern your access to and use of our Website, digital products, courses, programs, memberships, educational materials, coaching services, consultations, and other services offered through our Website and related platforms.

By accessing or using our Website or purchasing any product or service from us, you agree to be bound by these Terms and Conditions. If you do not agree with these Terms, please do not use the Website or purchase our products or services.

Use of the Website

You agree to use this Website only for lawful purposes.

You may not use the Website in any way that could:

• Violate any applicable law or regulation
• Harm, disrupt, or interfere with the Website or its systems
• Attempt to gain unauthorized access to accounts, systems, or data
• Misrepresent your identity or provide false information
• Copy, reproduce, distribute, or misuse our content without permission
• Use the Website for fraudulent, unlawful, or harmful purposes

We reserve the right to restrict, suspend, or terminate access to the Website or our services if we believe these Terms have been violated.

Educational Purpose Only

The information provided through this Website, including articles, videos, courses, programs, coaching, consultations, downloads, live sessions, and other educational materials, is provided for informational and educational purposes only.

Builder To Contributor LLC and Denzel Napoleon Rodriguez do not provide financial, tax, legal, or accounting advice.

Nothing on this Website should be considered a substitute for advice from a qualified financial advisor, tax professional, attorney, accountant, or other licensed professional.

You are responsible for your own decisions and actions.

Please review our Disclaimer for additional information.

No Guarantee of Results

We may share testimonials, case studies, success stories, examples, or experiences from clients, customers, or members.

These examples are intended to illustrate individual experiences only. They are not a guarantee or promise that you will achieve the same or similar results.

Your financial results depend on many factors, including your individual circumstances, income, expenses, debt, credit, financial decisions, knowledge, effort, and actions.

You understand that you are responsible for evaluating any information before making financial or other important decisions.

Digital Products, Programs, and Memberships

Builder To Contributor LLC may offer digital products, online courses, educational programs, memberships, coaching, consultations, and other services.

Access to certain products or services may require payment and the creation of an account through our Website or a third-party platform, including Kajabi.

We reserve the right to modify, update, discontinue, or change our products, services, content, pricing, or availability at any time.

Finance Geek Vault Membership

The Website currently offers Finance Geek Vault membership options, including monthly and annual plans.

The available plans and prices may be displayed at the time of purchase and are subject to change.

Monthly Membership

If you select a monthly membership option, you agree to recurring billing at the price displayed during checkout until you cancel your subscription in accordance with the cancellation process provided through the applicable platform.

Annual Membership

If you select an annual membership option, you agree to pay the annual fee displayed during checkout for access to the program for the applicable membership period.

Any renewal terms or recurring billing terms presented during checkout will apply to your purchase.

You are responsible for reviewing the pricing, billing frequency, and renewal information before completing your purchase.

Subscription Cancellation

You may cancel a recurring subscription according to the cancellation options available through the platform used to manage your membership.

Cancellation will stop future recurring charges where applicable, subject to the terms presented during checkout and the applicable billing cycle.

Cancelling a subscription does not create a right to a refund for payments that have already been made.

No Refund Policy

No refunds will be given under any circumstances for digital products.

By purchasing a digital product, online course, membership, educational program, or other digital offering from Builder To Contributor LLC, you acknowledge and agree to this no-refund policy.

Please review all available product information carefully before completing your purchase.

If you have questions about a product or program before purchasing, please contact us at Denzel@buildertocontributor.com.

Payments and Purchases

When purchasing a product, program, membership, or service, you agree to provide accurate and complete information.

Payments may be processed through third-party payment processors or platforms.

By submitting payment information, you authorize the applicable payment provider to charge the amount associated with your selected purchase or subscription.

We are not responsible for errors caused by third-party payment processors, banks, or financial institutions.

Account Access

Some products and programs may require you to create an account.

You are responsible for maintaining the confidentiality of your account credentials and for activities that occur through your account.

You may not share, sell, transfer, or provide unauthorized access to your account or purchased content unless we expressly allow it.

We reserve the right to suspend or terminate access to an account where we reasonably believe that unauthorized sharing, misuse, fraud, or a violation of these Terms has occurred.

Intellectual Property

All content available through this Website and our programs is owned by or licensed to Builder To Contributor LLC unless otherwise stated.

This includes, but is not limited to:

• Website content
• Articles and written materials
• Videos
• Courses
• Educational materials
• Downloads
• Graphics
• Branding
• Logos
• Program materials
• Strategies and presentations

You may access purchased materials for your personal, non-commercial use only.

You may not copy, reproduce, record, distribute, modify, republish, sell, sublicense, or commercially exploit our content without prior written permission.

Coaching and Consultations

Any coaching, consultation, or educational session provided by Builder To Contributor LLC or Denzel Napoleon Rodriguez is intended for educational and informational purposes.

Participation in a coaching session or consultation does not create a professional financial advisor, attorney-client, accountant-client, fiduciary, or other professional relationship unless expressly agreed to in writing.

You remain responsible for your own decisions and actions.

Third-Party Links and Services

Our Website may contain links to third-party websites, products, services, or resources.

We may also use third-party platforms to provide services, process payments, host programs, manage memberships, or support our business.

We do not control third-party websites or services and are not responsible for their content, availability, security, privacy practices, or policies.

Your use of third-party websites and services is subject to their own terms and policies.

Affiliate Relationships

Some links, products, or services mentioned on our Website may result in Builder To Contributor LLC or Denzel Napoleon Rodriguez receiving compensation or another financial benefit.

We may recommend products or services that we believe may be useful to our audience. However, you are responsible for conducting your own research and determining whether a product or service is appropriate for your individual circumstances.

Testimonials and Success Stories

Testimonials, reviews, and success stories displayed on the Website reflect individual experiences.

They should not be considered typical results or guarantees of future performance.

Your results may differ significantly based on your individual circumstances and actions.

Website Availability

We make reasonable efforts to keep the Website and our services available and functioning properly.

However, we do not guarantee that the Website will always be available, uninterrupted, secure, or free from errors.

We may modify, suspend, update, or discontinue any part of the Website or our services at any time without notice.

Disclaimer of Warranties

The Website and all information, products, services, and content provided through it are offered on an “as is” and “as available” basis.

To the fullest extent permitted by applicable law, Builder To Contributor LLC makes no warranties, whether express or implied, regarding the accuracy, reliability, availability, completeness, or suitability of the Website or its content.

We do not guarantee that the information provided will meet your specific needs or produce any particular result.

Limitation of Liability

To the fullest extent permitted by applicable law, Builder To Contributor LLC, Denzel Napoleon Rodriguez, and their affiliates shall not be liable for any damages, losses, lost profits, loss of data, or other consequences arising from:

• Your use of or inability to use the Website
• Your reliance on information provided through the Website
• Your use of our products, programs, or services
• Financial decisions you make
• Errors, interruptions, or technical issues
• Third-party websites or services

This limitation applies even if we have been advised of the possibility of such damages.

Indemnification

You agree to indemnify and hold harmless Builder To Contributor LLC, Denzel Napoleon Rodriguez, and their affiliates from claims, damages, losses, liabilities, costs, or expenses arising from:

• Your misuse of the Website
• Your violation of these Terms and Conditions
• Your violation of applicable laws
• Your infringement of another person’s rights

Privacy

Your use of the Website is also subject to our Privacy Policy.

By using the Website, you acknowledge that information may be collected and used as described in our Privacy Policy.

Changes to These Terms

We may update or modify these Terms and Conditions from time to time.

Any changes will become effective when posted on this page unless otherwise stated.

Your continued use of the Website after changes are posted means that you accept the updated Terms and Conditions.

Governing Law

These Terms and Conditions shall be governed by and interpreted according to the applicable laws of the United States and the state in which Builder To Contributor LLC is legally organized, unless otherwise required by applicable law.

Contact Us

If you have questions about this Terms and Conditions, please contact us at:

Builder To Contributor LLC

Email: Denzel@buildertocontributor.com