Last Updated: February 6, 2026

These Terms and Conditions govern your use of Anchor Financial Wellness services, including our website, platform, paid services, and our SMS and email communications programs.

By using our services or opting into our communications, you agree to these Terms and Conditions and our Privacy Policy.

  1. Program Description

Anchor Financial Wellness may send SMS and email messages to users who opt in. Messages may include promotional offers, service updates, appointment confirmations, and appointment reminders. Message frequency may vary.

  1. Consent to Receive Messages

By providing your phone number and opting in, you authorize Anchor Financial Wellness to send text messages to your mobile number. Consent is not a condition of purchase.

  1. Opt-Out

You can cancel the SMS service at any time. Just text “STOP” to the 502-797-4290. After you send the SMS message “STOP” to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us.

  1. Opt-In Again

If you want to rejoin after opting out, you can opt in again using the same method you used to enroll originally.

  1. Help and Support

If you are experiencing issues with the messaging program, reply with the keyword HELP for more assistance, or contact help directly at help@anchorwellness.group or 502-797-4290.

  1. Message Frequency and Rates

As always, message and data rates may apply to any messages sent to you from us and to us from you. You may receive up to 4 messages per month. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.

  1. Carrier Disclaimer

Carriers are not liable for delayed or undelivered messages.

  1. Privacy

Your use of the messaging program is also governed by our Privacy Policy. You can view it here: Privacy Policy.

  1. Changes to Terms

We may update these Terms from time to time. Updates will be posted with a new Last Updated date.

  1. Subscription, Billing, Digital Services & Platform Access

By subscribing, you expressly authorize recurring charges to your selected payment method in accordance with the plan and billing cycle selected at checkout. This authorization remains in effect until the subscription is properly canceled through the billing system. Acceptance of these Terms is recorded electronically and may include timestamps, IP addresses, account identifiers, and billing confirmation records.

All services provided are digital, cloud-based services delivered electronically. Upon successful payment, access to the subscribed services, features, and platform functionality is enabled immediately or made available according to the configuration of the selected plan. By completing your purchase, you acknowledge that access to digital services constitutes delivery of the service. Once access is provided, the service is deemed delivered, regardless of the level of use or subjective satisfaction.

Monthly subscriptions are billed in advance on a recurring monthly basis. Monthly subscriptions may be canceled at any time. Cancellation is effective at the end of the current billing period, and access to services remains available through the end of that period. No refunds or credits are issued for partial billing periods, unused time, or unused services.

Annual subscriptions constitute a twelve (12) month contractual commitment, whether paid annually or billed in installments. Cancellation of an annual subscription prevents renewal only, and the subscription remains active through the end of the current annual term. All fees paid for annual subscriptions are non-refundable, including early termination, unused time, or unused services, to the maximum extent permitted under Pennsylvania law.

Non-subscription Services and products may be offered as one-time purchases, including, but not limited to, individual coaching sessions, group coaching programs, courses, digital content, workshops, or other deliverables. Fees for Non-subscription Services are due in full at the time of purchase unless otherwise stated in writing. All sales of Non-Subscription Services are final and non-refundable once access is provided, content is delivered, or a session is scheduled, to the maximum extent permitted under Pennsylvania law. Access to digital content or scheduling of a coaching session constitutes delivery of the service. Failure to attend a scheduled session or utilize purchased services does not entitle the purchaser to a refund or credit unless expressly stated otherwise in writing.

Upgrades may result in immediate prorated charges for the difference in subscription pricing, calculated by our payment processor. Downgrades take effect at the start of the next billing cycle. No refunds or credits are issued for downgrades during an active billing period.

Subscriptions must be canceled through the account billing interface or by authorized written confirmation from support. A cancellation request is not effective until it is recorded and confirmed within the billing system.

Access to subscribed services is provided upon payment and remains available through the active subscription term. System access logs, feature enablement records, automation activity, messaging activity, and usage metrics constitute evidence of service availability and delivery. Access to services alone constitutes delivery, regardless of usage volume.

Transaction records, invoices, subscription lifecycle logs, access records, and usage data maintained by us or our payment processor (Stripe) constitute prima facie evidence of authorized charges and service delivery.

Initiating a chargeback or payment dispute does not constitute a valid cancellation of a subscription. If a dispute is initiated for charges that were properly authorized and billed under these Terms, we reserve the right to submit evidence to Stripe, including acceptance of these Terms, billing and invoice records, subscription and cancellation timestamps, and access and usage logs. Accounts associated with chargebacks or payment disputes may be suspended or terminated immediately. You agree to contact support and attempt to resolve the issue before initiating a chargeback.

Access remains available until the end of the applicable billing term. Upon expiration, access to services, features, integrations, automations, and data may be restricted or removed. Account data may be retained for a limited period for operational, contractual, or legal purposes. Continued access after termination is not guaranteed.

Subscriptions may not be paused unless expressly agreed to in writing. Billing continues until properly canceled.

  1. Governing Law and Venue

These Terms are governed by the laws of the Commonwealth of the state of Kentucky. Any legal action arising from these Terms shall be brought exclusively in the state or federal courts located within the Commonwealth of the state of Kentucky.

  1. Contact

Questions about these Terms and Conditions can be sent to:

Anchor Financial Wellness

134 Cedar Point Court

Mt Washington, KY 40047

legal@anchorwellness.group

502-797-4290

If you have any questions regarding privacy, please read our {{Privacy Policy link}}.

Anchor Financial Wellness™ 

© Anchor Financial Wellness™

An Anchor Wellness Group™