The Financial Confidence Method Privacy Policy and Terms & Conditions
Privacy Policy
Last Updated: July 22, 2026
Please read this Privacy Policy (“Privacy Policy”) carefully before using richjefa.com (the “Website”). By using the Website, You agree to the collection and use of information in accordance with this Privacy Policy.
Definitions:
“Digital Course” means any digital or online course offered or sold by the Business on the Website, including all course materials, video or audio lessons, slides, handouts, worksheets, checklists, and other materials provided by the Business.
“Personal Data” means any personally identifiable information that You provide that can be used to contact and/or identify You ("Personal Data"). Personal Data may include, but is not limited to:
● Email addresses
● Names
● Addresses
● Phone numbers
● Credit card information
● Purchase history
● Usernames, passwords, and other account login information
● Cookies, IP addresses, and Usage Data, as defined herein
● Personally identifiable information contained within any User Generated Content submitted by You
“Usage Data” means non-identifiable information collected by the Website, including, but not limited to, information about Your computer's browser type, browser version, geolocation data, pages of the Website that You visit, the time and date of Your visit, the time spent on the Website, clicks on the Website, unique device identifiers and other diagnostic data.
“User Generated Content” means any comment, document, photograph, video, text or intellectual property contained within any comments left by any person on the Website or Digital Course, or any document or communication submitted to Us, including, but not limited to, any document, photograph, video, text, or communication sent to Us via email or through social media.
“Website” means richjefa.com and all of its pages, sub-pages, content, including any photos, videos, and text, and Digital Course, as defined herein.
“We,” “I,” “Our,” “Us” means Top Notch Accounting LLC DBA Empoderando Hispanos, as owner of the Website.
“You,” or “Your” means the user, viewer, and/or customer of the Website.
Age Verification:
By viewing or accessing the Website, You warrant that You are over the age of 18. If You are not over the age of 18 You must cease use of the Website immediately.
Purpose:
This Privacy Policy informs You of Our policies regarding the collection, use, and disclosure of Personal Data and Usage Data when You use the Website and the choices You may have associated with that data. We use Your data to provide access to and make improvements to the Website, and provide You access to any Digital Course You purchased from Us.
Cookie Policy:
The Website uses cookies and other similar tracking technologies to track activity on the Website. Cookies are files that contain a small amount of data, which may include an anonymous unique identifier. Cookies are sent to Your browser from a website and stored on Your device. Other tracking technologies may be used on the Website, including, but not limited to beacons, pixels, tags, and scripts, which collect and track information and are used to provide access to, improve, and analyze the Website and Digital Course.
You can accept, refuse, or manage Your cookie preferences via the cookie pop-up window on the Website. Be aware, if You do not accept cookies, You may be restricted from accessing certain portions of the Website or Digital Course You purchased.
Examples of Cookies We May Use:
Session Cookies: We may use Session Cookies to operate the Website or Digital Course. Session Cookies remain in use while You are on the Website and expire when you leave the Website.
Preference Cookies: We may use Preference Cookies to remember Your preferences and various settings between visits to the Website.
Analytics Cookies: We may use Analytics Cookies to track Your activity on the Website, including the pages you visit, clicks on the Website, time spent on the Website, and other Usage Data.
Advertising Cookies: We may use Advertising Cookies to serve You with advertisements that may be relevant to You and Your interests.
Use of Data:
We use the Personal Data and Usage Data We collect from You for various purposes, including, but not limited to:
● To provide, maintain, and improve the Website or any Digital Course You purchased from the Business;
● To allow You to participate in interactive features of the Website or Digital Course;
● To monitor the usage of the Website or Digital Course;
● To provide You with news, promotional materials, and general information about things we think You will be interested in;
● To provide customer support; and
● To process sales and credit card transactions.
6. Data Retention:
We will retain Your Personal Data only for as long as necessary for the purposes set out in this Privacy Policy. We will retain and use Your Personal Data to the extent necessary to comply with legal obligations, resolve disputes, and to enforce Our legal agreements and policies, including our Course Terms & Conditions.
We will retain Your Usage Data only for as long as necessary for internal analysis purposes, including, but not limited to, strengthening the security of the Website or improving the functionality of the Website or Digital Course, or for so long as We are legally obligated to retain this data for.
Data Disclosure:
We may disclose Your Personal Data if there is a good faith belief that doing so is necessary:
● To comply with a legal obligation;
● To protect and defend Our legal rights and/or property interests;
● To prevent or investigate possible wrongdoing or misuse of the Website or Digital Course;
● To protect the personal safety of users of the Website or the public;
● To protect against legal liability.
8. Data Security:
The protection and security of Your Personal Data is very important to Us. While We implement appropriate technical and organizational measures to protect Your Personal Data, including hosting the Website and Digital Course on secure servers, no transmission of data over the internet is 100% secure and We cannot warrant or guarantee that Your Personal Data is absolutely secure.
9. FOR EUROPEAN UNION CITIZENS & RESIDENTS: Your Data Protection Rights Under the General Data Protection Regulation (“GDPR”)
If You are a resident of the European Union (“EU”), You have certain data protection rights under the GDPR. We aim to take reasonable steps to allow You to correct, amend, delete, or limit the use of Your Personal Data in accordance with those rights. You can request to access, update, or delete any of Your Personal Data by contacting Us at [email protected].
In certain circumstances, You have the following data protection rights:
● The right to be informed. You have the right to be informed about the collection and use of Your Personal Data, as provided by this Privacy Policy.
● The right to access. You have the right to access the Personal Data we have about You.
● The right of rectification. You have the right to have Your information rectified or updated if that information is inaccurate or incomplete.
● The right to restrict processing. You have the right to request that we restrict or suppress the processing of Your Personal Data.
● The right to object. You have the right to object to Our processing of Your Personal Data.
● The right to data portability. You have the right to be provided with a copy of the information We have on You in a structured, machine-readable, and commonly used format.
● The right to withdraw consent. You have the right to withdraw Your consent at any time where We previously relied on Your consent to process Your personal information.
Please note that We may ask You to verify Your identity before responding to such requests.
You have the right to complain to a Data Protection Authority about Our collection and use of Your Personal Data. For more information, please contact Your local data protection authority in the EU.
Legal Basis for Processing Personal Data under the General Data Protection Regulation (GDPR)
If you are from the EU, Our legal basis for collecting and using the personal information described in this Privacy Policy depends on the Personal Data we collect and the specific context in which we collect it.
We may process Your Personal Data:
● If You have given Us consent to do so;
● To perform under a contract We entered with You;
● The processing is in Our legitimate interest and not overridden by Your rights;
● To comply with the law.
Changes and Amendments:
We reserve the right to modify this Privacy Policy at any time, in Our sole discretion. Material changes to the Privacy Policy will take effect 30 days after posting an updated version of the Privacy Policy on the Website. At such time, we will revise the “Last Updated” date at the top of this page and add an “Effective Date” to indicate when such changes are deemed to be in effect We will also notify You by email if You have previously provided consent to receive emails from Us. Minor revisions, corrections, and clarifications will take effect immediately, as reflected by the “Last Updated” date. Continued access or use of the Website or Digital Course after any such changes go into effect shall constitute Your consent to such changes.
11. Website Services
We may use third-party companies to facilitate the Website or Digital Course, make the Website or a Digital Course available, perform Website-related services, including email services, or assist Us in analyzing how the Website is used. These third-party companies may have access to Your Personal Data only to the extent necessary to perform such tasks on Our behalf and at our discretion in accordance with this Privacy Policy.
12. Analytics
We may use third-party companies to monitor and analyze the use of the Website and Digital Course, including, but not limited to:
Google Analytics
Google Analytics is a service offered by Google that provides website analytics and tracking information. Google uses certain data to track and monitor the use of the Website. This data is shared with other Google Websites. Google may use the collected data to personalize the ads of its own advertising network.
You can opt-out of having Your activity on the Website available to Google Analytics by installing the Google Analytics opt-out browser add-on. This add-on prevents the Google Analytics JavaScript (ga.js, analytics.js and dc.js) from sharing information with Google Analytics about Your activity.
For more information on Google’s privacy policy, please see Google’s Privacy & Terms, which are available at https://policies.google.com/privacy?hl=en.
13. Links to Third-Party Websites
The Website may contain links to third-party websites that are not operated by Us. If You click a link to a third-party website, You will be directed to that third-party's website. We strongly advise you to review the Privacy Policy of every third-party website You visit, as it may differ from Ours.
We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites.
14. Contact Us
If you have any questions about this Privacy Policy, please contact Us at [email protected] or PO Box 1989, Gypsum, CO 81637.
Terms and Conditions
Last Updated:July 22, 2026
This Agreement (the “Agreement”) is entered into between Top Notch Accounting LLC DBA Empoderando Hispanos (the “Business”), and any purchaser of a digital course or product sold by the Business (“You” or “Your”).
For the purpose of this Agreement, “Digital Course” means any digital or online course, including The Financial Confidence Method, offered or sold by the Business on its website, richjefa.com (the “Website”), including all course materials, video or audio lessons, slides, handouts, worksheets, checklists, and other materials provided in conjunction with the Digital Course.
By purchasing a Digital Course from the Business, You warrant that You are over the age of 18.
You agree to the following Terms & Conditions by checking the box on the checkout page of the Website, or by tendering payment for the Digital Course. If You have any questions regarding this Agreement or its terms, You may contact Business at [email protected] or PO Box 1989, Gypsum, CO 81637.
Payment.
You agree to pay Business according to the following terms:
a) Payment Terms.
i) One-Time Payment
If You elect to purchase a Digital Course with a one-time payment, all fees must be paid in full at the time of checkout. You agree to pay Business the fee indicated on Your online shopping cart at the time of checkout, including any local sales tax that may be assessed.
ii) Payment Plan
If You elect to purchase a Digital Course with a payment plan, You agree to pay Business the monthly payment indicated on Your online shopping cart at the time of checkout, including any local sales tax that may be assessed, for the duration of your payment plan. You further authorize Business to use any payment method on file to satisfy Your monthly payment.
b) Failed Payments. In the event that any payment is declined or fails to process, the Business may suspend Your access to the Digital Course after 3 days of nonpayment. You are responsible for providing an updated and successful payment method before Your access to the Digital Course will be reinstated. You shall remain responsible for the full payment, and any future payments, in accordance with the terms of any payment plan that You agreed to. The Business reserves the right to collect any unpaid payments from You and may recover any costs or expenses incurred in connection with recovering such payments, including, but not limited to, attorneys’ fees, court costs, and collection agency fees.
c) Discounts and Sales. From time to time the Business may offer discounts or promotional sales on its Digital Course(s). In this event, the Business will provide a code that You may use to redeem the discount at checkout during a specific promotional period. Any discount code provided by Business will remain active at the Business’ discretion. In the event a valid discount code fails to apply or process any discount properly during the specific promotional period, Business agrees to honor the discount, during the specific promotional period the discount is advertised.
d) Chargebacks. By purchasing a Digital Course from Business, You agree to waive Your rights to pursue any chargeback from Your bank, credit card company, or third-party payment processor. In the event that You file a chargeback request with Your bank, credit card company, or third-party payment processor after receiving access to a Digital Course, whether You actually accessed such Digital Course or not, Business shall be entitled to reimbursement of all costs, fees, and expenses incurred to reverse the chargeback, including, but not limited to, attorneys’ fees, bank fees, chargeback fees, and payment processing fees.
Refund Policy.
NO REFUNDS. Due to the immediate access provided and unique downloadable nature of a Digital Course and course materials, the Business does not offer refunds of any kind. By purchasing a Digital Course from Business, You understand and agree that ALL SALES ARE FINAL AND NO REFUNDS WILL BE GIVEN.
By accessing, using, or downloading the Digital Course or course materials, You waive any rights to any cooling-off or withdrawal period You may otherwise be entitled to under applicable laws. If You have any questions regarding this refund policy please contact Business at [email protected] or PO Box 1989, Gypsum, CO 81637.
Delivery of the Product.
The Business agrees to provide You with the Digital Course You purchased according to the following terms:
a) Digital Course Access
The Business will provide You with access to the Digital Course and all course materials upon successful confirmation of Your purchase. In order to access the Digital Course You will be required to create an account by selecting a username and password. You are responsible for protecting and securing Your username and password. You will have access to the Digital Course for the lifetime of the Digital Course, which is defined as the period of time that the Digital Course is available for sale by the Business. It is Your responsibility to save, download, or otherwise access the Digital Course and any course materials during such time. In the event that the Business makes updates or changes to the information or materials contained within the Digital Course, You will receive access to such information through Your account.
b) Facebook Group and Coaching Calls
Upon enrolling in the Digital Course, You will receive an invitation to join a program Facebook group for a period of 12 weeks, along with access to 1:1 coaching calls, as advertised. After Your program timeframe is complete, You will be removed from the Facebook group and Your access to coaching calls will cease. Any unused 1:1 coaching calls remaining at such time will be forfeited.
c) 1:1 call cancellation, reschedule and no-show policy
The Business requires 1 business day notice to cancel or reschedule a 1:1 coaching session. The Business understands that emergencies occur and will be treated on a case-by-case basis at the Business' sole discretion. If You have a 1:1 coaching session scheduled and do not show up for your scheduled appointment, you will have 1 opportunity to reschedule. If You do not show up to that rescheduled session, You will forfeit the session and will not be able to rebook it.
d) Termination
The Business reserves the right to terminate Your access to the Digital Course in the event that You violate this Agreement in any way. In the event that the Business elects to terminate Your access, the Business shall notify You via email to the email address You provided at the time of checkout. All termination decisions made by the Business are final. In the event Your access is terminated as a result of this section, You shall not be entitled to a refund of any fees already paid and will remain responsible for any remaining payments owed under a payment plan.
Intellectual Property.
Business shall remain the sole and exclusive owner of all intellectual property rights in and to the Digital Course and all course materials, including, but not limited to any federal copyright or trademark rights associated therein. Business reserves the right to enforce its intellectual property rights in and to the Digital Course to the fullest extent of the law.
Limited License.
By successfully purchasing a Digital Course from the Business, You receive a single, limited, non-assignable, non-transferable, non-exclusive, revocable license to be used in accordance with the following terms:
i) By Purchasing a Digital Course You may:
● Access, view, download, print, complete, and otherwise use the Digital Course and course materials for personal use and/or for use within a business that is owned by You.
ii) By Purchasing a Digital Course You may not:
● Re-sell, trade, exchange, or transfer Your access to the Digital Course to anyone else.
● Share the Digital Course, including Your username and password, with anyone who has not purchased the Digital Course, including team members, partners, contractors, and/or employees of a business owned by You.
● Reprint, reproduce, or republish any part of the Digital Course, in whole or in part, on any platform or medium.
● Distribute or sell any of the materials contained in the Digital Course or course materials.
● Claim ownership or use over any of Business’ intellectual property without Business’ prior consent, which includes, but is not limited to: copyrighted materials, including the Digital Course and course materials, and trademarks.
● Purchase the Digital Course on behalf of someone else.
● Use the Digital Course or course materials in an unlawful way or for any illegal or unlawful purpose(s).
NO WARRANTIES OR GUARANTEES.
BUSINESS MAKES NO WARRANTIES AS TO THE DIGITAL COURSE. YOU AGREE THAT THE DIGITAL COURSE IS PROVIDED “AS IS.” BUSINESS DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. BUSINESS DOES NOT WARRANT, REPRESENT, OR GUARANTEE THAT THE DIGITAL COURSE WILL BE FUNCTIONAL, ACCURATE, COMPLETE, APPROPRIATE, OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT ANY PART OF THE DIGITAL COURSE IS FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS. BUSINESS IS NOT RESPONSIBLE FOR ANY LOSS OR DISRUPTION OF ACCESS TO THE DIGITAL COURSE THAT ARISES AS A RESULT OF ANY TECHNICAL OR THIRD-PARTY ERROR, INCLUDING SERVER, INTERNET CONNECTION, OR USER ERROR. BUSINESS DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE, OR THE RESULTS OF THE USE, OF THE DIGITAL COURSE IN TERMS OF ITS CORRECTNESS, ACCURACY, TIMELINESS, RELIABILITY, OR OTHERWISE. BUSINESS IS NOT RESPONSIBLE FOR ANY LOSSES, ERRORS, OR DECISIONS THAT ARISE FROM YOUR USE OF THE DIGITAL COURSE AND THE INFORMATION CONTAINED THEREIN.
Disclaimers.
The content contained in the Digital Course is intended to be for informational and educational purposes only. Purchasing the Digital Course does not create a professional or legal relationship between You and the Business. The Business is not acting as Your financial coach, accountant, lawyer, business consultant, or other licensed professional. Information contained within the Digital Course should not be construed or used as financial, tax, legal, or business advice, and should not be relied upon as a substitution for professional services. The Business encourages You to consult with Your accountant, financial coach, business coach, and/or attorney before implementing anything contained within the Digital Course.
Testimonials.
The Business may share or display testimonials from past or present Digital Course students from time to time on the Website, social media, and/or in advertisements in order to provide prospective students with insight regarding the Digital Course. All testimonials are from verified Digital Course students sharing their honest experience. Any outcomes or results shared in a testimonial are not guaranteed and may not reflect the experience of future students. In the event that you choose to provide a testimonial in connection with the Digital Course, you consent to the Business sharing your Testimonial on the Website, social media, and/or in advertisements.
Confidentiality.
You acknowledge that by purchasing a Digital Course You may be exposed to information about the Business, including, but not limited to, trade secrets, marketing strategies, proprietary information, internal business operations, and ideas that may not have been disclosed to the public (collectively, “Confidential Information”). You agree to maintain the confidentiality of all Confidential Information disclosed in connection with this Agreement or within the Digital Course, and will hold all Confidential Information in strict confidence. You further agree to refrain from disclosing or using Confidential Information for any purpose other than performing Your obligations under this Agreement, unless otherwise required to by law.
Indemnification & Release.
You agree to indemnify, release, and hold the Business and its employees, contractors, owners, agents, successors and assigns harmless from any claims, judgments, damages, liabilities, settlements, losses, costs, and expenses, including attorneys’ fees, arising from or relating to this Agreement, or Your use or inability to use or access the Digital Course in any way, including any direct, indirect, incidental, or consequential damages, to the fullest extent permissible under applicable law. The maximum damages You may be entitled to receive in any forum shall not exceed the price You paid for the Digital Course.
Non-Assignment.
You may not assign, delegate, or transfer Your rights, interests, or obligations to the Digital Course or under this Agreement without the written consent of the Business.
Attorneys’ Fees.
In the event of any action or litigation that arises out of this Agreement, including, but not limited to, any action for breach of this Agreement, the prevailing party is entitled to recover its actual attorneys’ fees, court costs, and expenses.
Comments and Feedback:
In the event that You are not satisfied with the Digital Course or would like to provide comments or feedback, please contact [email protected]. The Business will try to initially resolve any disputes directly with You through a solution that is mutually agreeable to both You and the Business.
Choice of Law, Venue, & Service of Process.
a. This Agreement is governed by the laws of the State of Colorado.
b. All disputes, claims, and/or actions shall be brought solely before a state or federal court in Eagle County, Colorado. Each party irrevocably consents to the exclusive jurisdiction of any federal or state court in Eagle County, Colorado, and further waives any objection that such party may have now, or in the future, to the venue of any action or proceeding.
c. You hereby consent to the service of process in any manner as authorized by the laws of the State of Colorado, and waive any objection You may otherwise have to service of process under the laws of the State of Colorado.
Extraordinary Events.
In the event that the Business is unable to perform its obligations under this Agreement due to pandemic, fire, act of God, death of a family member, act of terror, state of emergency, extreme weather or climate event, natural disaster, environmental disaster, act or order of any governmental authority, or other causes beyond the control of the Business (collectively, “Extraordinary Event”), then the Business will be excused from its performance during the pendency of the Extraordinary Event. The Business’ obligations under this Agreement will resume upon the resolution of the Extraordinary Event.
Hours Of Operation:
Top Notch Accounting LLC DBA Empoderando Hispanos offers the following hours of operation: Monday - Thursday, from 10:00 am MST to 5:00 PM MST. All client communication will be responded to within 2 business days or sooner during regular business hours. This includes responses inside of the The Financial Confidence Method Facebook group. Questions posted Friday through Sunday are answered on the following Monday.
Friends & Family Discount Policy:
If you were to refer a friend or family member to the The Financial Confidence Method, you and your friend or family member who joins the The Financial Confidence Method will receive an extra month in the The Financial Confidence Method Facebook group which includes access to coaching. A referral box is available at checkout so your friend or family member can type your name to get the referral. There is no monetary compensation or discount for referrals.
Updates to the Agreement.
The Business reserves the right to make updates and changes to this Agreement at any time. The Business agrees to update the date at the top of this Agreement to reflect the date the Agreement was last updated. The Business will also notify You by email if You have previously provided consent to receive emails from the Business. Continuing to use or access the Digital Course after such date constitutes Your acceptance of the changes.
Full Agreement.
This Agreement constitutes the full agreement between You and the Business and supersedes any oral or written communications between You and the Business that predate Your purchase of any Digital Course, including any comments or advertisements made by the Business.
Severability.
If any part of this Agreement is found to be invalid, illegal, or unenforceable, such invalidity, illegality, or unenforceability shall not affect the validity of the remaining parts of this Agreement, which will remain in full force and effect.
Headings.
All titles and headings are for convenience purposes only and are not to be construed as part of this Agreement.