TERMS & CONDITIONS

Effective Date: September 23, 2026

Acceptance of Terms

By accessing or using KennethBotwe.com, purchasing products or services, creating an account, or participating in programs offered through the website, you agree to be bound by these Terms & Conditions.

KennethBotwe.com is operated by Financial Metabolism LLC, a Texas limited liability company.

If you do not agree with these Terms & Conditions, please do not use the website, purchase our products or services, or participate in our programs.

Educational Purpose

All information and resources provided through this website, including articles, videos, books, calculators, tools, courses, coaching, memberships, assessments, worksheets, and downloadable resources, are provided for educational and informational purposes only.

Nothing provided by Financial Metabolism LLC or Kenneth Botwe should be considered individualized financial, investment, legal, tax, accounting, or other professional advice.

The information provided is general in nature and may not be appropriate for your particular financial circumstances.

No Professional or Fiduciary Relationship

Your use of this website, products, services, coaching, membership programs, tools, or educational materials does not create a financial advisor, investment advisor, attorney, accountant, fiduciary, or other licensed professional-client relationship with Financial Metabolism LLC or Kenneth Botwe.

You remain responsible for evaluating your own financial circumstances and making your own financial decisions.

Investment Disclaimer

Investing involves risk, including the possible loss of principal. No investment strategy can guarantee a profit or protect against loss.

Past performance does not guarantee future results.

Examples, projections, illustrations, calculators, hypothetical scenarios, or historical returns presented through our website or educational materials are for educational purposes and should not be interpreted as guarantees of future performance.

You are solely responsible for your investment decisions.

Before making significant financial or investment decisions, you should conduct your own research and, when appropriate, consult a qualified financial, investment, tax, legal, or other licensed professional.

Financial Metabolism™ Educational Framework

Financial Metabolism™ and related systems, frameworks, assessments, calculators, tools, and educational materials are designed to help individuals better understand, organize, and manage their financial lives.

They are educational resources and are not individualized financial plans, investment recommendations, or guarantees of financial results.

Your results will depend on numerous factors, including your income, expenses, debt, savings, investments, financial behavior, economic conditions, and personal circumstances.

Debt Elimination Disclaimer

Our debt reduction and debt elimination resources are educational tools designed to help users improve financial organization, evaluate potential strategies, and make informed decisions.

Individual results vary based on factors including income, expenses, interest rates, debt balances, payment behavior, financial discipline, and personal circumstances.

Financial Metabolism LLC does not guarantee that any person will eliminate debt, reduce debt by a particular amount, or become debt-free within a specific period.

No Earnings or Wealth Guarantee

Financial Metabolism LLC does not guarantee that using our products, services, systems, coaching, memberships, calculators, or educational materials will increase your income, increase your net worth, generate investment returns, create financial independence, or make you a millionaire.

Testimonials, examples, case studies, illustrations, and hypothetical scenarios are not guarantees that you will achieve the same or similar results.

Individual results will vary.

Memberships

Membership benefits may change over time as resources, coaching sessions, tools, training, community features, and educational content are added, modified, replaced, or discontinued.

Membership fees are billed according to the pricing and billing terms presented at the time of purchase.

Unless otherwise stated at checkout, recurring subscriptions automatically renew until cancelled.

Cancellation stops future renewal charges but does not automatically entitle the member to a refund of amounts previously paid.

Coaching

Coaching services offered by Financial Metabolism LLC provide financial education, accountability, strategy discussions, and implementation guidance.

Coaching does not constitute individualized financial planning, investment advisory or investment management services, legal services, accounting services, tax preparation, or other licensed professional services.

You remain solely responsible for decisions and actions taken as a result of coaching sessions.

Payments

All prices are stated in U.S. dollars unless otherwise indicated.

Payments may be processed by third-party payment processors. By making a purchase, you agree to provide accurate and current billing and payment information.

For recurring products or memberships, you authorize the applicable payment processor to charge your selected payment method according to the billing frequency disclosed at checkout until the subscription is cancelled.

Refund Policy

Refund eligibility is governed by the refund policy presented on the applicable sales page, checkout page, or offer at the time of purchase.

Digital products, memberships, coaching services, books, and other products or services may have different cancellation and refund terms.

Please review the applicable refund policy before completing your purchase.

Intellectual Property

Unless otherwise stated, the content, systems, materials, and intellectual property made available through this website and Financial Metabolism LLC's products and services are owned by or licensed to Financial Metabolism LLC.

This includes, without limitation:

• Videos and audio recordings

• Courses and training materials

• Worksheets and workbooks

• Calculators and interactive tools

• Assessments

• Graphics and designs

• Logos and branding

• Books and publications, where applicable

• Frameworks and methodologies

• Financial Metabolism™ and related proprietary systems and materials

• Membership resources

• Written content and educational materials

Purchasing or accessing our content grants you a limited, personal, non-exclusive, non-transferable right to use the materials for your own personal purposes.

Unless expressly authorized in writing, you may not copy, reproduce, modify, republish, distribute, resell, sublicense, publicly display, commercially exploit, or create derivative products from our proprietary materials.

User Conduct

When using our website, membership community, products, or services, you agree not to:

• Violate applicable laws or regulations

• Attempt unauthorized access to the website, accounts, systems, or data

• Copy, distribute, or share protected materials without authorization

• Interfere with website or service functionality

• Use our materials for unauthorized commercial purposes

• Harass, threaten, or abuse other members, customers, employees, contractors, or community participants

• Misrepresent your identity or relationship with Financial Metabolism LLC

Financial Metabolism LLC reserves the right to suspend or terminate access to its services for violations of these Terms & Conditions, subject to applicable law.

Limitation of Liability

To the fullest extent permitted by applicable law, Financial Metabolism LLC, Kenneth Botwe, and their respective officers, employees, contractors, agents, and affiliates shall not be liable for indirect, incidental, special, consequential, or punitive damages arising from or relating to your use of the website, products, services, educational materials, coaching, membership programs, or third-party resources.

Nothing in these Terms is intended to exclude or limit liability that cannot legally be excluded or limited under applicable law.

You are responsible for evaluating information provided through our services and determining whether and how to apply it to your circumstances.

Third-Party Services and External Links

Our website, products, and services may contain links to or integrate with third-party websites, platforms, applications, payment processors, or other services.

Financial Metabolism LLC does not control and is not responsible for the content, availability, privacy practices, security, terms, products, or services of third parties.

Your use of third-party services is subject to the terms and policies of those providers.

Changes to These Terms

Financial Metabolism LLC reserves the right to modify these Terms & Conditions from time to time.

Updated Terms will become effective when posted unless otherwise required by applicable law.

Your continued use of the website or services following the effective date of revised Terms constitutes acceptance of those revised Terms.

Governing Law

These Terms & Conditions shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict-of-law principles, except where applicable law requires otherwise.

Contact

If you have questions regarding these Terms & Conditions, please contact:

Financial Metabolism LLC
Kenneth Botwe
Email: ken@kennethbotwe.com
Website: KennethBotwe.com