The information provided by Centsei, LLC (“Centsei,” “we,” “us,” or “our”) on this website, through our programs, masterclasses, quizzes, downloads, emails, social media, and other educational materials is provided for general informational and educational purposes only.
Financial Education and Coaching
Centsei provides financial education and coaching designed to help individuals and couples better understand their finances, establish goals, develop healthy financial habits, and create systems for managing their money.
Centsei’s educational and coaching services are not a substitute for personalized financial, investment, legal, accounting, insurance, or tax advice. The information we provide is general in nature and may not be appropriate for your individual circumstances.
You are responsible for evaluating your own financial situation and decisions. Before making significant financial, investment, tax, insurance, estate-planning, or legal decisions, you should consult an appropriately qualified professional who can consider your specific circumstances.
No Investment Advisory Relationship
Unless you have entered into a separate written agreement with a properly registered investment advisory firm, your use of this website or participation in a Centsei program, masterclass, quiz, call, or coaching service does not create an investment adviser-client relationship.
Centsei does not provide individualized securities recommendations, manage investment accounts, execute securities transactions, or guarantee the suitability or performance of any investment strategy.
Investment advisory services may be offered separately through Three Phases Wealth Advisors, a separate entity. Any advisory relationship with Three Phases Wealth Advisors is governed exclusively by a separate written advisory agreement and the firm’s applicable disclosures.
Centsei’s educational services and any services offered through Three Phases Wealth Advisors should not be understood as the same service or engagement.
No Tax, Legal, or Accounting Advice
Information concerning taxes, estate planning, insurance, business structures, or legal matters is provided only for general educational purposes.
Tax laws, regulations, and financial circumstances can change and may affect individuals differently. You should consult a qualified tax professional, attorney, accountant, insurance professional, or other appropriate adviser before taking action based on information presented by Centsei.
Financial Quiz Disclaimer
Any quiz, assessment, score, phase recommendation, or similar tool available through this website is intended to provide a helpful educational starting point only.
Quiz results are based solely on the answers submitted and do not constitute a comprehensive review of your financial circumstances. A quiz result is not a final financial assessment, professional recommendation, or guarantee that a particular Centsei program or financial phase is appropriate for you.
A conversation with a Centsei coach may help you better understand your result and determine an appropriate next step. However, coaching conversations remain educational in nature unless you separately engage a qualified professional for individualized advice.
No Guarantees of Results
Financial outcomes vary significantly from person to person. Your results will depend on many factors, including your income, expenses, debt, financial habits, personal circumstances, participation, effort, decisions, and economic conditions.
Centsei does not guarantee that you will eliminate debt, increase your savings, build wealth, improve your credit, achieve a particular investment return, reach a financial goal, or experience any other specific result.
Any examples, case studies, statistics, client stories, or testimonials presented on this website illustrate individual experiences and should not be interpreted as promises or guarantees that you will achieve the same or similar results.
Testimonials and Client Experiences
Testimonials and client stories reflect the personal experiences and opinions of the individuals providing them. Results are not necessarily typical, and individual experiences will vary.
Testimonials may have been edited for grammar, clarity, or length without changing their intended meaning. Where required, we will disclose any material connection, compensation, discount, or other incentive associated with a testimonial or endorsement.
Investment Risk
All investing involves risk, including the possible loss of principal. Past performance does not guarantee future results.
Any discussion of investments, retirement accounts, asset classes, financial markets, or investment strategies is provided for educational purposes and should not be interpreted as a recommendation to buy, sell, or hold a specific security or investment product.
You should carefully consider your financial circumstances, goals, time horizon, and tolerance for risk before making an investment decision.
Third-Party Products and Services
Centsei may reference, demonstrate, recommend, link to, or provide information about third-party products, platforms, professionals, or services.
References to third parties do not necessarily constitute an endorsement or guarantee of their products, services, accuracy, security, availability, or suitability. Centsei does not control third-party websites or services and is not responsible for their content, policies, performance, or practices.
Some links may be affiliate or referral links, which means Centsei may receive compensation or another benefit if you purchase or register through the link. When applicable, material affiliate or referral relationships will be disclosed.
Sponsored and Collaborative Content
From time to time, Centsei may collaborate with or receive compensation from third-party companies, organizations, or partners.
Any material financial, referral, affiliate, or sponsorship relationship connected to specific content or an offer will be disclosed as appropriate. Compensation does not change our commitment to presenting information honestly, but you should independently evaluate whether any product or service is right for you.
Accuracy and Availability of Information
We make reasonable efforts to provide helpful and accurate information. However, we do not represent or warrant that all information on this website is complete, current, accurate, or free from errors.
Financial laws, tax rules, products, pricing, technology, and economic conditions may change after information is published. We are not obligated to update previously published content, although we may do so at our discretion.
We do not guarantee that the website or its content will always be available, secure, uninterrupted, or free from technical errors.
Personal Responsibility
By using this website or participating in Centsei’s educational services, you acknowledge that you remain responsible for your own choices, actions, and financial decisions.
You agree to use your own judgment and to seek qualified professional guidance where appropriate. You should not delay seeking professional advice because of information you have read, watched, or heard from Centsei.
Limitation of Liability
To the fullest extent permitted by applicable law, Centsei and its owners, employees, contractors, coaches, representatives, affiliates, and partners will not be liable for losses, damages, costs, or other consequences arising from your reliance on information provided through this website or our educational materials.
Nothing in this disclaimer excludes or limits liability that cannot legally be excluded or limited under applicable law.
Contact Us
Questions regarding this disclaimer may be directed to:
Centsei LLC
Attn: Daniel M. Ockey
PO Box 2272
Indian Trail, NC 28079
hello@centseifinancial.com