Terms & Conditions

1. Educational Purpose Disclaimer

This website is intended to share educational content related to the book Financial FLOW: The Art of Fulfilling Life and Optimizing Wealth [Financial FLOW (operated by Indigo Business Advisory)]. The information provided is general in nature and not intended as financial, legal, tax, or investment advice. No material on this site constitutes a recommendation to engage in any particular financial strategy or transaction.

For personal guidance, please consult a licensed financial advisor, tax professional, or attorney.

2. No Advisory Relationship

Visiting this site, downloading materials, or scheduling a conversation does not create a financial advisor–client relationship. The FLOW Clarity Call is designed as an informal, educational conversation and does not include advice, recommendations, or any analysis of your personal financial situation.

You will not receive written financial plans, investment advice, or product recommendations through this website.

3. Affiliate and Institutional Disclaimers

The author of Financial FLOW is affiliated with a national financial planning franchise. However, this website is not sponsored by, endorsed by, or connected to Ameriprise Financial or any other institution.

Nothing on this site should be construed as a representation of Ameriprise or its affiliates. No investment products or services are offered here.

4. Privacy Policy

If you choose to provide your name, email, or phone number (e.g., to download resources or schedule a call), that information will be used solely to deliver the content you requested and communicate with you about future updates or offerings related to Financial FLOW.

Your information will not be sold, rented, or shared with unaffiliated third parties. You may unsubscribe at any time.

Privacy Policy Link: These Terms should be read alongside our Privacy Policy. By using this website, you agree to the terms of our Privacy Policy, including our SMS/Text Messaging disclosures and mobile information practices.

5. Intellectual Property

All content on this website, including the book, frameworks, worksheets, and the FLOW and INDIGO trademarks, is the intellectual property of Violetta Sit Terpeluk. No portion may be reproduced or distributed without express written permission.

You may view, download, and print materials from this website only for your personal, non-commercial use, unless otherwise stated in writing.

6. Investment Risk Disclosure

Investment products are not insured by the FDIC, NCUA, or any federal agency. They are not deposits or obligations of, or guaranteed by, any financial institution. Investments involve risk, including possible loss of principal and fluctuation in value.

7. Copyright and Trademark

© [2025-2026] Violetta Sit Terpeluk. All rights reserved.
Financial FLOW and INDIGO are proprietary concepts owned by the author. All other trademarks belong to their respective owners.

8. SMS/Text Messaging Privacy

If you provide your mobile phone number and opt in to receive text messages from Financial FLOW / INDIGO, we may send text messages related to your requests, including scheduling confirmations, reminders, resource delivery, and occasional updates related to Financial FLOW.

Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes. We may share information with service providers who help us deliver messages (for example, messaging platform providers), but only to the extent necessary to provide the service.

9. SMS Consent and Opt-In

By submitting your phone number and checking the SMS consent checkbox on our forms, you consent to receive text messages from Financial FLOW / INDIGO. SMS consent is not a condition of purchase.

You understand that consent to receive messages can be revoked at any time by following the opt-out instructions below.

10. Message Frequency, Rates, and Supported Carriers

Message frequency may vary depending on your interactions with us. Message and data rates may apply. Carriers are not liable for delayed or undelivered messages.

11. Opt-Out and Help Instructions

You can opt out of SMS at any time by replying STOP. After you text STOP, you may receive one final message confirming your opt-out.

For help, reply HELP or contact us at:
Email: [email protected]
Phone: +1 (916) 233-6273

12. Customer Support and Contact Information

If you have questions about these Terms, your communications, or your participation in SMS messaging, you may contact us at:
Email: [email protected]
Phone: +1 (916) 233-6273

13. Prohibited Uses and Acceptable Use

You agree not to use this website or any of its content in a way that:

Violates any applicable law or regulation, including messaging, privacy, or consumer protection laws,

Attempts to gain unauthorized access to systems, data, or accounts,

Interferes with the normal operation of the website or services,

Misrepresents your identity or provides false information.

14. Data Retention and Security

We take reasonable steps to protect the personal information you submit through this website. We retain personal information only as long as needed to provide the requested content, services, and communications, and as required for legitimate business or legal purposes.

15. Cookies and Website Analytics

Our website may use cookies or analytics tools to understand how visitors interact with the site and to improve the user experience. These technologies may collect information such as browser type, device information, and pages visited. This information is used solely for website performance and improvement purposes.

16. Age Requirement (18+)

This website and any related communications, including SMS/Text Messaging, are intended for individuals who are at least 18 years old. By using this website and submitting your information, you represent that you are 18 years of age or older.

17. Disclaimers and Limitation of Liability

This website and its content are provided on an “as is” and “as available” basis. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including any warranties of merchantability, fitness for a particular purpose, and non-infringement.

We are not liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from or related to your use of this website, your reliance on any content, or your participation in communications, including SMS messages, to the extent allowed by law.

18. Changes to These Terms

We may update these Terms and Conditions from time to time. Updates will be posted on this page with the effective date. Your continued use of this website after changes are posted constitutes your acceptance of the updated Terms.