Last Updated: May 12, 2026
These Terms of Use constitute a legally binding agreement between you and Kate Bernal (“I”, “me”, or “my”), operating katebernal.com (“the Site”). By accessing or using the Site, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree, you must discontinue use of the Site immediately.
I reserve the right to update these Terms at any time. The “Last Updated” date above will reflect any changes. Your continued use of the Site after any update constitutes acceptance of the revised Terms.
1. Nature of the Site
katebernal.com is a financial education website. All content on this Site — including written material, videos, frameworks, and tools — is provided for general informational and educational purposes only.
Kate Bernal is a financial educator, not a licensed financial advisor or financial planner. Nothing on this Site constitutes personalized investment, tax, or legal advice. No educator-client or advisor-client relationship is formed by your use of this Site. All financial decisions are yours alone. For advice specific to your situation, consult a qualified licensed professional.
2. Eligibility
By using this Site, you confirm that you are at least 13 years of age. If you are under 18, you must have your parent or guardian read and agree to these Terms before using the Site.
Geographic restriction: This Site and the services offered through it (including the Financial Freedom System) are not intended for residents of the province of Quebec, Canada. If you are a Quebec resident, you access this Site at your own initiative and are solely responsible for ensuring your use complies with applicable provincial laws.
This Site is intended for users in Canada and the United States. Users outside these jurisdictions access the Site at their own initiative and are solely responsible for compliance with their local laws.
3. Intellectual Property
All content on this Site — including but not limited to text, frameworks, graphics, logos, videos, audio, and downloadable materials (collectively, “Content”) — is owned by Kate Bernal and protected by applicable Canadian and international copyright and intellectual property laws.
You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Content for your own personal, non-commercial, educational purposes only. You may not:
- Copy, reproduce, distribute, or republish any Content without prior written consent
- Modify, create derivative works from, or reverse engineer any Content
- Use any Content for commercial purposes
- Remove any copyright or proprietary notices from any Content
4. Acceptable Use
By using this Site, you agree not to:
- Use the Site for any unlawful purpose or in violation of any applicable law or regulation
- Attempt to gain unauthorized access to any part of the Site
- Interfere with or disrupt the operation of the Site
- Use automated tools (bots, scrapers, spiders) to collect data from the Site without written permission
- Impersonate any person or misrepresent your affiliation with any person or entity
- Transmit any harmful, offensive, or disruptive content to the Site or its users
- Use the Site to harass, abuse, or harm any person
5. Third-Party Links and Affiliate Relationships
This Site may contain links to third-party websites, including affiliate links. Affiliate links are identified where they appear. I may earn a commission if you click an affiliate link and make a purchase — this does not affect the price you pay and does not influence the educational content on this Site.
I do not own or control third-party websites. Once you leave this Site, you are subject to the terms and privacy policies of the destination site. I am not responsible for the accuracy, content, or practices of any third-party website.
6. Strategy Session and Financial Freedom System
The Financial Freedom System (“FFS”) is a one-on-one financial education program. Booking a free strategy session through this Site does not constitute enrollment in the FFS or a commitment of any kind on either party’s part.
The FFS is an educational program only. Participation does not constitute the receipt of personalized financial, investment, tax, or legal advice. Kate Bernal is not a licensed financial advisor or financial planner. All financial decisions made by participants remain solely their own responsibility.
Program-specific terms (including payment, refund policy, and program scope) are governed by a separate written program agreement provided at the time of enrollment.
7. No Warranties
The Site and all Content are provided on an “as is” and “as available” basis without warranties of any kind, express or implied. I do not warrant that:
- The Site will be available at all times or free from errors
- The Content is complete, current, or accurate for your specific circumstances
- Use of the Content will produce any particular financial result
I reserve the right to modify, suspend, or discontinue the Site at any time without notice.
8. Limitation of Liability
To the fullest extent permitted by applicable law, Kate Bernal shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:
- Your use of or inability to use the Site
- Any errors or omissions in the Content
- Any financial decisions made in reliance on Content from this Site
- Unauthorized access to or alteration of your data
You expressly agree that your use of this Site is at your sole risk and that you are solely responsible for any financial decisions you make.
9. Indemnification
You agree to indemnify and hold Kate Bernal harmless from any claims, losses, damages, costs, or expenses (including reasonable legal fees) arising from your use of the Site, your violation of these Terms, or your violation of any applicable law.
10. Governing Law
These Terms are governed by the laws of the province of British Columbia and the federal laws of Canada applicable therein, without regard to conflict of law principles. Any disputes arising from these Terms shall be resolved in the courts of British Columbia.
11. Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.
12. Entire Agreement
These Terms of Use, together with the Privacy Policy and Disclaimer published on this Site, constitute the entire agreement between you and Kate Bernal with respect to your use of the Site.
13. Contact
For any questions about these Terms: