Terms and Conditions of Use
Agreement between User and Boosting Your Financial IQ
Welcome to Boosting Your Financial IQ, a limited liability company “BYFIQ, LLC”, registered and organized in the state of Colorado, USA, herein referred to as (“BYFIQ, www.byfiq.com, Coltivar, or we/us”). The www.byfiq.com website (the "Site") is comprised of various web pages and an app operated by Coltivar Group, LLC ("Coltivar"). www.byfiq.com is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein (the "Terms"). Your use of www.byfiq.com constitutes your agreement to all such Terms. Please read these terms carefully, and keep a copy of them for your reference.
www.byfiq.com is an E-Commerce Site and app.
The purpose of the website is to provide computer software, training, community connection, and consulting services for purchase to clients across the world. In addition, the Coltivar website provides information, updates, tools, and other pieces of data to visitors.
Use of the Site and Services
This Site and the services and/or products offered on this Site are intended for the individual use of customers of Coltivar. Unless you have entered into a separate License Agreement with Coltivar, the products and/or services are not for release in corporate systems or re-packaged for re-sale or distribution as a group or sub-groups. They are not to be shared on websites or blogs or through other media channels.
Visiting www.byfiq.com or sending emails to Coltivar constitutes electronic communications. You consent to receive electronic communications and you agree that all agreements, notices, disclosures and other communications that we provide to you electronically, via email and on the Site, satisfy any legal requirement that such communications be in writing.
If you use this site, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password. You may not assign or otherwise transfer your account to any other person or entity. You acknowledge that Coltivar is not responsible for third party access to your account that results from theft or misappropriation of your account. Coltivar and its associates reserve the right to refuse or cancel service, terminate accounts, or remove or edit content in our sole discretion.
Children Under Thirteen
Coltivar does not knowingly collect, either online or offline, personal information from persons under the age of thirteen. If you are under 18, you may use www.byfiq.com only with permission of a parent or guardian.
Pricing and Billing
Payment for products and/or services is due upon purchase. Prices may be subject to change. Coltivar does not offer a price guarantee. You agree to pay for what you select at the price displayed at the time you place your order, plus applicable shipping/handling charges and any applicable taxes that Coltivar is legally obligated to collect. Prices do not include the costs for the download of services. Such costs including, but not limited to, internet charges are the direct responsibility of the customer.
Discount codes are not transferable. Coltivar, in its sole discretion, reserves the right to decline to apply a discount code at any time, for any reason whatsoever.
Coltivar accepts MasterCard, Visa, American Express and Discover.
Workshop Cancellation Policy:
If a workshop registration is cancelled more than 30 days from the start of the event, it is 100% refundable and will be credited to the form of payment used in the initial transaction.
If a workshop registration is cancelled 30 days or less from the start of the event, the registration fee is non-refundable but a Registration Credit will be given to the attendee for future use.
The Registration Credit can be applied at an alternative workshop at no additional charge. After a Registration Credit has been applied to one of the options above, that will be considered final sale and no refunds or exchanges will be available.
The Registration Credit expires six (6) months from the date of the first payment made to Coltivar. At the point a Registration Credit is created, it has no monetary value and is not eligible for any type of financial reimbursement.
Workshops and Experiential Activities
In consideration of the services of Coltivar Group, LLC. (“Coltivar”) their agents, officers, volunteers, participants, employees, and all other persons or entities acting in any capacity on their behalf, I hereby agree to release and discharge Coltivar Group from any and all liability for injuries or damages I may incur or cause in connection with or arising out of my participation in Coltivar Group programming, including but not limited to its workshops.
Although Coltivar has taken reasonable steps to provide me with appropriate equipment and skilled staff, I acknowledge that participation in Coltivar Group activities present known and unanticipated risks inherent in indoor and outdoor team building activities including, but not limited to, environmental risks (some work may be done outside of classroom) and physical activity that may result in property damage, physical injury or death. I acknowledge these risks may include, but are not limited to, physical exertion and stress associated with the activities; collision with the ground, boards, other people, falling or being dropped.
I voluntarily consent to participate in Coltivar programming. I acknowledge and understand that it is my sole responsibility to decline, decrease or cease participation in the event of illness, injury or other medical conditions. I understand that the staff may reduce or stop my participation in the best interest of my safety and well-being. I understand that it is solely my responsibility to maintain insurance, and to seek and receive medical evaluation and treatment for any symptoms that may arise out of or are related to my participation. I further agree to abide by all laws and Coltivar policies and procedures.
In consideration of all the notices contained herein, it is my express desire to participate in Coltivar’s programming at my own risk. In consideration of my participation in the activities and use of its facilities and equipment, I hereby voluntarily release, hold harmless, and forever discharge Coltivar and its officers, agents, employees, volunteers, and successors, on behalf of myself and my successors and assigns, from any and all liability for injuries or damages I may incur or cause in connection with or arising out of my participation in Coltivar programming. By signing below, I acknowledge that I have read and understand this document in its entirety and hereby voluntarily consent to all of its provisions. I understand that I may be giving up legal rights and/or remedies to which I may otherwise be entitled. I understand and agree that this agreement will be construed and governed by Colorado law and any dispute hereunder shall be resolved in a court of competent jurisdiction in Colorado. I certify that I am at least 18 years of age, and I acknowledge agreement and acceptance to all terms of this agreement.
Links to Third Party Sites/Third Party Services
www.byfiq.com may contain links to other websites ("Linked Sites"). The Linked Sites are not under the control of Coltivar and Coltivar is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. Coltivar is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Coltivar of the site or any association with its operators.
Certain services made available via www.byfiq.com are delivered by third party sites and organizations. By using any product, service or functionality originating from the www.byfiq.com domain, you hereby acknowledge and consent that Coltivar may share such information and data with any third party with whom Coltivar has a contractual relationship to provide the requested product, service or functionality on behalf of www.byfiq.com users and customers.
No Unlawful or Prohibited Use/Intellectual Property
All content included as part of the Service, such as text, graphics, logos, images, as well as the compilation thereof, and any software used on the Site, is the property of Coltivar or its suppliers and protected by copyright and other laws that protect intellectual property and proprietary rights. You agree to observe and abide by all copyright and other proprietary notices, legends or other restrictions contained in any such content and will not make any changes thereto.
You will not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create derivative works, or in any way exploit any of the content, in whole or in part, found on the Site. Coltivar content is not for resale. Your use of the Site does not entitle you to make any unauthorized use of any protected content, and in particular you will not delete or alter any proprietary rights or attribution notices in any content. You will use protected content solely for your personal use, and will make no other use of the content without the express written permission of Coltivar and the copyright owner. You agree that you do not acquire any ownership rights in any protected content. We do not grant you any licenses, express or implied, to the intellectual property of Coltivar or our licensors except as expressly authorized by these Terms.
Coltivar services and materials are not available to competitors of Coltivar. Determination of whether you are a “competitor” is solely per Coltivar’s discretion and access to services and any licenses will be denied on this basis.
Coltivar materials are proprietary. If you wish to use Coltivar materials other than for personal use on a limited basis, you must request permission to do so which will be reviewed on a case-by-case basis. Please specify if this is a request from outside the United States of America, the intended use, the specific materials requested and your contact and company information. All requests shall be determined at Coltivar’s sole discretion and may or may not be granted.
Contact Coltivar at [email protected] for Multi-User licenses and other opportunities to purchase and use Coltivar copyrighted materials.
Use of Communication Services
The Site may contain bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, and/or other message or communication facilities designed to enable you to communicate with the public at large or with a group (collectively, "Communication Services"). You agree to use the Communication Services only to post, send and receive messages and material that are proper and related to the particular Communication Service.
By way of example, and not as a limitation, you agree that when using a Communication Service, you will not: defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others; publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information; upload files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents; upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another's computer; advertise or offer to sell or buy any goods or services for any business purpose, unless such Communication Service specifically allows such messages; conduct or forward surveys, contests, pyramid schemes or chain letters; download any file posted by another user of a Communication Service that you know, or reasonably should know, cannot be legally distributed in such manner; falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded; restrict or inhibit any other user from using and enjoying the Communication Services; violate any code of conduct or other guidelines which may be applicable for any particular Communication Service; harvest or otherwise collect information about others, including e-mail addresses, without their consent; violate any applicable laws or regulations.
Coltivar has no obligation to monitor the Communication Services. However, Coltivar reserves the right to review materials posted to a Communication Service and to remove any materials in its sole discretion. Coltivar reserves the right to terminate your access to any or all of the Communication Services at any time without notice for any reason whatsoever.
Coltivar reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in Coltivar's sole discretion.
Always use caution when giving out any personally identifying information about yourself or your children in any Communication Service. Coltivar does not control or endorse the content, messages or information found in any Communication Service and, therefore, Coltivar specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service. Managers and hosts are not authorized Coltivar spokespersons, and their views do not necessarily reflect those of Coltivar.
Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction and/or dissemination. You are responsible for adhering to such limitations if you upload the materials.
Materials Provided to www.byfiq.com or Posted on Any Coltivar Web Page
Coltivar does not claim ownership of the materials you provide to www.byfiq.com (including feedback and suggestions) or post, upload, input or submit to any Coltivar Site or our associated services (collectively "Submissions"). However, by posting, uploading, inputting, providing or submitting your Submission you are granting Coltivar, our affiliated companies and necessary sublicensees permission to use your Submission in connection with the operation of their Internet businesses including, without limitation, the rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Submission; and to publish your name in connection with your Submission.
No compensation will be paid with respect to the use of your Submission, as provided herein. Coltivar is under no obligation to post or use any Submission you may provide and may remove any Submission at any time in Coltivar's sole discretion.
By posting, uploading, inputting, providing or submitting your Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in this section including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions.
Third Party Accounts
You will be able to connect your Coltivar account to third party accounts. By connecting your Coltivar account to your third party account, you acknowledge and agree that you are consenting to the continuous release of information about you to others (in accordance with your privacy settings on those third party sites). If you do not want information about you to be shared in this manner, do not use this feature.
The Service is controlled, operated and administered by Coltivar from our offices within the USA. If you access the Service from a location outside the USA, you are responsible for compliance with all local laws. You agree that you will not use the Coltivar Content accessed through www.byfiq.com in any country or in any manner prohibited by any applicable laws, restrictions or regulations.
Limitations of Liability
You agree to indemnify, defend and hold harmless Coltivar, its officers, directors, employees, agents and third parties, for any losses, costs, liabilities and expenses (including reasonable attorney's fees) relating to or arising out of your use of or inability to use the Site or services, any user postings made by you, your violation of any terms of this Agreement or your violation of any rights of a third party, or your violation of any applicable laws, rules or regulations. Coltivar reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with Coltivar in asserting any available defenses.
In the event the parties are not able to resolve any dispute between them arising out of or concerning these Terms and Conditions, or any provisions hereof, whether in contract, tort, or otherwise at law or in equity for damages or any other relief, then such dispute shall be resolved only by final and binding arbitration pursuant to the Federal Arbitration Act, conducted by a single neutral arbitrator and administered by the American Arbitration Association, or a similar arbitration service selected by the parties, in a location mutually agreed upon by the parties. The arbitrator's award shall be final, and judgment may be entered upon it in any court having jurisdiction. In the event that any legal or equitable action, proceeding or arbitration arises out of or concerns these Terms and Conditions, the prevailing party shall be entitled to recover its costs and reasonable attorney's fees. The parties agree to arbitrate all disputes and claims in regards to these Terms and Conditions or any disputes arising as a result of these Terms and Conditions, whether directly or indirectly, including Tort claims that are a result of these Terms and Conditions. The parties agree that the Federal Arbitration Act governs the interpretation and enforcement of this provision. The entire dispute, including the scope and enforceability of this arbitration provision shall be determined by the Arbitrator. This arbitration provision shall survive the termination of these Terms and Conditions.
Class Action Waiver
Any arbitration under these Terms and Conditions will take place on an individual basis; class arbitrations and class/representative/collective actions are not permitted. THE PARTIES AGREE THAT A PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN EACH'S INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PUTATIVE CLASS, COLLECTIVE AND/ OR REPRESENTATIVE PROCEEDING, SUCH AS IN THE FORM OF A PRIVATE ATTORNEY GENERAL ACTION AGAINST THE OTHER. Further, unless both you and Coltivar agree otherwise, the arbitrator may not consolidate more than one person's claims, and may not otherwise preside over any form of a representative or class proceeding.
THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. COLTIVAR GROUP, LLC AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE SITE AT ANY TIME.
COLTIVAR GROUP, LLC AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE SITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF ANY KIND. COLTIVAR GROUP, LLC AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.
Coltivar reserves the right, in its sole discretion, to terminate your access to the Site and the related services or any portion thereof at any time, without notice. To the maximum extent permitted by law, this agreement is governed by the laws of the State of Colorado and you hereby consent to the exclusive jurisdiction and venue of courts in Colorado in all disputes arising out of or relating to the use of the Site. Use of the Site is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms, including, without limitation, this section.
You agree that no joint venture, partnership, employment, or agency relationship exists between you and Coltivar as a result of this agreement or use of the Site. Coltivar's performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of Coltivar's right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Site or information provided to or gathered by Coltivar with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect.
Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and Coltivar with respect to the Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and Coltivar with respect to the Site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be written in English.
Changes to Terms
Coltivar reserves the right, in its sole discretion, to change the Terms under which www.byfiq.com is offered. The most current version of the Terms will supersede all previous versions. Coltivar encourages you to periodically review the Terms to stay informed of our updates.
Coltivar welcomes your questions or comments regarding the Terms:
Coltivar Group, LLC
1200 17th Street, Floor 10
Denver, Colorado 80202
Last Updated: October 06, 2022
Collection of your Personal Information
In order to better provide you with products and services offered on our Site, Coltivar may collect personally identifiable information, such as your:
- First and Last Name
- Mailing Address
- E-mail Address
- Phone Number
- Job Title
- Industry, Website, etc.
If you purchase Coltivar's products and services, we collect billing and credit card information. This information is used to complete the purchase transaction.
Coltivar may also collect anonymous demographic information, which is not unique to you, such as your:
Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through Coltivar's public message boards, this information may be collected and used by others.
We do not collect any personal information about you unless you voluntarily provide it to us. However, you may be required to provide certain personal information to us when you elect to use certain products or services available on the Site. These may include: (a) registering for an account on our Site; (b) entering a sweepstakes or contest sponsored by us or one of our partners; (c) signing up for special offers from selected third parties; (d) sending us an email message; (e) submitting your credit card or other payment information when ordering and purchasing products and services on our Site. To wit, we will use your information for, but not limited to, communicating with you in relation to services and/or products you have requested from us. We also may gather additional personal or non-personal information in the future.
Use of your Personal Information
Coltivar collects and uses your personal information to operate its website(s) and deliver the services you have requested.
Coltivar may also use your personally identifiable information to inform you of other products or services available from Coltivar and its affiliates.
Sharing Information with Third Parties
Coltivar does not sell, rent or lease its customer lists to third parties.
Coltivar may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is transferred to the third party. Coltivar may share data with trusted partners to help perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to Coltivar, and they are required to maintain the confidentiality of your information.
Coltivar may disclose your personal information, without notice, if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on Coltivar or the site; (b) protect and defend the rights or property of Coltivar; and/or (c) act under exigent circumstances to protect the personal safety of users of Coltivar, or the public.
Tracking User Behavior
Coltivar may keep track of the websites and pages our users visit within Coltivar, in order to determine what Coltivar services are the most popular. This data is used to deliver customized content and advertising within Coltivar to customers whose behavior indicates that they are interested in a particular subject area.
Automatically Collected Information
Information about your computer hardware and software may be automatically collected by Coltivar. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the Coltivar website.
The Coltivar website may use "cookies" to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.
One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize Coltivar pages, or register with Coltivar site or services, a cookie helps Coltivar to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same Coltivar website, the information you previously provided can be retrieved, so you can easily use the Coltivar features that you customized.
You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Coltivar services or websites you visit.
This website contains links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of any other site that collects personally identifiable information.
Security of your Personal Information
Coltivar secures your personal information from unauthorized access, use, or disclosure. Coltivar uses the following methods for this purpose:
- SSL Protocol
When personal information (such as a credit card number) is transmitted to other websites, it is protected through the use of encryption, such as the Secure Sockets Layer (SSL) protocol.
We strive to take appropriate security measures to protect against unauthorized access to or alteration of your personal information. Unfortunately, no data transmission over the Internet or any wireless network can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, you acknowledge that: (a) there are security and privacy limitations inherent to the Internet which are beyond our control; and (b) security, integrity, and privacy of any and all information and data exchanged between you and us through this Site cannot be guaranteed.
Children Under Thirteen
Coltivar does not knowingly collect personally identifiable information from children under the age of thirteen. If you are under the age of thirteen, you must ask your parent or guardian for permission to use this website.
Opt-Out & Unsubscribe from Third Party Communications
We respect your privacy and give you an opportunity to opt-out of receiving announcements of certain information. Users may opt-out of receiving any or all communications from third-party partners of Coltivar by contacting us here:
- Email: [email protected]
From time to time, Coltivar may contact you via email for the purpose of providing announcements, promotional offers, alerts, confirmations, surveys, and/or other general communication. In order to improve our Services, we may receive a notification when you open an email from Coltivar or click on a link therein.
If you would like to stop receiving marketing or promotional communications via email from Coltivar, you may opt out of such communications by [email protected].
External Data Storage Sites
We may store your data on servers provided by third party hosting vendors with whom we have contracted.
Change of Ownership
Changes to this Statement
Coltivar welcomes your questions or comments regarding this Statement of Privacy. If you believe that Coltivar has not adhered to this Statement, please contact Coltivar at:
Coltivar Group, LLC
1200 17th Street, Floor 10
Denver, Colorado 80202
Last Updated: November 29, 2022