Terms of Use and Services
MJ Financial Solutions LLC provides personal finance coaching and educational services. These Terms explain how visitors may use the Website, how coaching-related tools and dashboard features are provided, and the limits of the services available through the Website. By using this Website, contacting the business, scheduling a meeting, requesting a blueprint, or accessing any client dashboard feature, you agree to these Terms:
Effective/Last updated: 4/19/2026
Welcome to MJ Financial Solutions LLC. These Terms of Use and Services (the “Terms”) govern your access to and use of the MJ Financial Solutions website, including its pages, content, contact forms, scheduling tools, blueprint-related features, dashboard access, educational materials, and related communications (collectively, the “Website”).
These Terms are intended to explain the nature of the services offered through MJ Financial Solutions LLC, the conditions under which visitors may use the Website, and the responsibilities of both MJ Financial Solutions LLC and the individuals who use the Website or engage with its services. By accessing or using the Website, submitting information through the Website, scheduling a meeting, requesting a blueprint, or using any dashboard or related tool made available through the Website, you agree to be bound by these Terms. If you do not agree to these Terms, you should not use the Website.
1. Business Purpose and Scope of Services
MJ Financial Solutions LLC provides personal finance coaching and educational support designed to help clients better understand their finances, improve financial organization, build stronger money habits, and work toward self-defined financial goals. The Website is intended to help prospective and current clients learn about the business, review available services, contact MJ Financial Solutions LLC, schedule online meeting times, request or receive financial blueprints, and access dashboard tools made available as part of the coaching experience.
The services offered through MJ Financial Solutions LLC are educational and coaching-based in nature. They are intended to support budgeting awareness, debt organization, savings habits, financial planning discussions at a general educational level, and accountability-based coaching. The Website may also allow clients to view financial information, tools, reports, or dashboard features based on information that the client chooses to provide.
2. No Investment, Tax, Legal, Medical, or Other Licensed Professional Advice
MJ Financial Solutions LLC is a personal finance coaching business, not a registered investment adviser, broker-dealer, accounting firm, law firm, or medical practice. Nothing on the Website, in a consultation, in a blueprint, in a dashboard, in blog content, or in any communication from MJ Financial Solutions LLC should be interpreted as individualized investment advice, securities advice, tax advice, legal advice, medical advice, or any other form of licensed professional advice.
Matthew Jerrell is a Doctor of Pharmacy (PharmD), but the services provided through MJ Financial Solutions LLC relate to personal finance coaching and education, not to the practice of medicine, pharmacy, tax preparation, accounting, or law. Any information presented through the Website is intended for general educational purposes only and should not be relied upon as a substitute for advice from a licensed professional who is familiar with your specific circumstances.
You remain solely responsible for your own decisions regarding budgeting, debt repayment, savings, investing, retirement planning, taxes, legal matters, and healthcare. If you need advice in any of those areas, you should consult an appropriately licensed professional.
3. No Client, Advisory, Fiduciary, Tax, Legal, or Medical Relationship Created by Website Use Alone
Your use of the Website does not, by itself, create a coaching relationship, fiduciary relationship, advisory relationship, medical relationship, legal relationship, tax relationship, or any other professional-client relationship with MJ Financial Solutions LLC. Sending a message through the contact form, scheduling a meeting request, or accessing publicly available educational materials also does not by itself create such a relationship.
Any formal service relationship begins only when MJ Financial Solutions LLC agrees to provide a service and any required intake, scheduling, payment, consent, or service-confirmation steps have been completed.
4. User-Provided Financial Information
Some features of the Website, including financial blueprints, dashboard tools, or coaching-related resources, may depend on information that a client chooses to provide. By submitting financial information to MJ Financial Solutions LLC, you represent that the information you provide is your own information, or that you have the legal right and authority to provide it.
MJ Financial Solutions LLC does not independently verify the completeness, accuracy, or suitability of financial information submitted by a user. Any blueprint, dashboard display, educational report, or coaching discussion that relies on user-submitted information will be only as accurate as the information provided by the user. You are solely responsible for reviewing your submissions for accuracy and for promptly notifying MJ Financial Solutions LLC if your information changes or if you identify an error.
By submitting information for coaching, blueprint creation, dashboard use, or related services, you grant MJ Financial Solutions LLC a limited right to receive, review, organize, process, and display that information as reasonably necessary to provide the requested services, maintain records, and operate the related Website features, subject to the Privacy Policy and applicable law.
5. Blueprints, Tools, and Dashboard Features
MJ Financial Solutions LLC may provide clients with access to financial blueprints, calculators, dashboards, trackers, summaries, or related tools intended to support financial education, organization, and personal goal monitoring. These materials and tools are provided for educational and informational use only.
Blueprints and dashboard tools are not guarantees of future outcomes. They do not predict investment performance, income growth, debt elimination, retirement readiness, or financial success. They are designed to help clients better understand their current financial situation based on the information they voluntarily provide and to support coaching conversations and personal decision-making.
MJ Financial Solutions LLC may update, modify, improve, suspend, or discontinue any blueprint, dashboard, or related feature at any time, with or without notice, including when reasonably necessary for maintenance, security, service improvements, or platform changes.
6. Scheduling, Online Meetings, and Service Access
The Website may allow users to request consultations, schedule online meetings, or otherwise initiate service-related contact. Scheduling availability is subject to change. MJ Financial Solutions LLC reserves the right to confirm, reschedule, decline, or cancel appointments when reasonably necessary due to availability, technical limitations, emergencies, or other business considerations.
If online meeting services are provided, you are responsible for ensuring that you have a reliable internet connection, access to the required platform, and a private environment appropriate for the discussion of personal financial matters. MJ Financial Solutions LLC is not responsible for failures caused by your internet connection, device limitations, third-party platform outages, or other issues outside its reasonable control.
If you later choose to publish payment, cancellation, rescheduling, refund, or no-show rules on the Website, those rules should be incorporated into this section or into a separate service policy incorporated by reference into these Terms.
7. Contact Forms and Communications
The Website may include forms or communication methods that allow users to contact MJ Financial Solutions LLC. By using these features, you consent to MJ Financial Solutions LLC using the information you submit to respond to your inquiry, determine whether services may be a fit, provide requested information, or maintain records related to the business relationship.
You should not submit highly sensitive information through general Website forms unless the Website clearly instructs you to do so through a secure intake process. This includes, without limitation, Social Security numbers, full account numbers, passwords, login credentials, medical records, tax returns, or similar highly confidential information.
MJ Financial Solutions LLC may keep copies of communications, intake information, and service-related correspondence for business, documentation, operational, and recordkeeping purposes, subject to the Privacy Policy and applicable law.
8. Financial PharmD Blog and Third-Party Links
The Website may include links to third-party platforms or educational resources, including the Financial PharmD blog and the external website located at financialpharmd.substack.com. These external websites and platforms are owned and operated by third parties and are not controlled by MJ Financial Solutions LLC unless expressly stated otherwise.
When you click a link that sends you to a third-party website, you leave the MJ Financial Solutions LLC Website and become subject to that third party’s own terms, privacy policy, content practices, and platform rules. MJ Financial Solutions LLC is not responsible for the availability, accuracy, security, privacy practices, or content of third-party websites, including blog-hosting, newsletter, or publishing platforms.
9. Intellectual Property and Limited Use Rights
All content made available on the Website, including text, branding, layout, graphics, worksheets, blueprints, educational materials, logos, service descriptions, and other original content, is owned by or licensed to MJ Financial Solutions LLC unless otherwise stated. Such content is protected by applicable intellectual property laws.
MJ Financial Solutions LLC grants you a limited, non-exclusive, non-transferable, revocable right to access and use the Website for your personal, non-commercial use in connection with learning about the business or using the services as intended. You may not copy, reproduce, republish, sell, license, distribute, modify, scrape, reverse engineer, or exploit Website content for commercial purposes without prior written permission from MJ Financial Solutions LLC.
10. Acceptable Use of the Website
You agree to use the Website lawfully and in a manner consistent with its intended purpose. You may not use the Website to submit false information, impersonate another person, interfere with Website functionality, attempt unauthorized access to any account or data, upload malicious code, violate the rights of others, or use the Website in any manner that could damage, disable, overload, or impair the Website or related systems.
MJ Financial Solutions LLC reserves the right to suspend, restrict, or terminate access to any part of the Website if it reasonably believes a user has violated these Terms, misused the Website, or created legal, operational, technical, or security risk.
11. Account Access and Dashboard Security
If the Website provides account login or dashboard access, you are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account unless caused by MJ Financial Solutions LLC’s own misconduct. You must promptly notify MJ Financial Solutions LLC of any known or suspected unauthorized access to your account.
MJ Financial Solutions LLC may suspend or disable access to accounts or dashboard features when reasonably necessary to protect the security of the Website, user data, platform integrity, or business operations.
12. Educational Content and No Guarantee of Results
The Website may contain blog posts, articles, financial education content, planning tools, examples, templates, and illustrative scenarios. All such content is offered for general informational and educational purposes only. Individual financial outcomes vary based on many factors outside the control of MJ Financial Solutions LLC, including income, spending behavior, debt levels, emergencies, market conditions, family circumstances, discipline, and implementation.
MJ Financial Solutions LLC does not guarantee any specific financial result, savings outcome, debt payoff timeline, budgeting success, investment performance, or future financial condition. Any examples, case studies, projections, or illustrative materials are explanatory only.
13. Disclaimer of Warranties
The Website and all content, tools, services, and features made available through it are provided on an “as is” and “as available” basis to the fullest extent permitted by law. MJ Financial Solutions LLC makes no representations or warranties, express or implied, regarding the accuracy, completeness, reliability, availability, security, suitability, or uninterrupted operation of the Website or any associated content, tool, dashboard, blueprint, or service.
Without limiting the foregoing, MJ Financial Solutions LLC does not warrant that the Website will be uninterrupted, error-free, secure, or free from harmful code, or that any issues will be corrected within a particular time frame.
14. Limitation of Liability
To the fullest extent permitted by law, MJ Financial Solutions LLC and its owners, officers, employees, contractors, affiliates, and service providers shall not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or related to your use of, or inability to use, the Website, dashboard features, blueprints, educational materials, third-party links, or services.
To the fullest extent permitted by law, your sole remedy for dissatisfaction with the Website is to stop using it. If applicable law does not allow certain liability limitations, then such limitations shall apply only to the maximum extent permitted by law.
15. Indemnification
You agree to indemnify, defend, and hold harmless MJ Financial Solutions LLC and its owners, officers, employees, contractors, affiliates, and service providers from and against any claims, liabilities, damages, losses, costs, and expenses, including reasonable attorneys’ fees, arising out of or related to your misuse of the Website, your violation of these Terms, your infringement of any rights of another party, or information you submit through the Website.
16. Privacy
Your use of the Website is also subject to the MJ Financial Solutions LLC Privacy Policy. The Privacy Policy explains how information may be collected, used, stored, and shared in connection with the Website and related services. By using the Website, you acknowledge that you have reviewed or had the opportunity to review the Privacy Policy.
17. Changes to the Website or Terms
MJ Financial Solutions LLC reserves the right to update, modify, suspend, or discontinue any aspect of the Website or services at any time. MJ Financial Solutions LLC also reserves the right to revise these Terms from time to time. Updated Terms will become effective when posted on the Website unless otherwise stated.
Your continued use of the Website after revised Terms are posted constitutes your acceptance of the updated Terms.
18. Contact Information
If you have questions regarding these Terms, you may contact:
MJ Financial Solutions LLC
Email: matthew-jerrell@mjfinanciasolution.com
Website: https://www.mjfinancialsolution.com/
