A 7-Step Plan To Build Healthy Financial Habits & Long-term Wealth

What My Customers Say

Megan Bowen

Chief Customer Officer

I have never really been that financially savvy and initially focused on paying off debt, enrolling in company sponsored 401k's and saving money as much as possible. Jennifer helped me realize that I had an opportunity to be way more proactive in managing my money for my future and throughout multiple coaching sessions was able to help guide me to learn more about investing and make some important moves for my future financial security and peace of mind. What I loved most about working with Jennifer was that she didn't just tell me what to do but rather helped me think about investing in a way that was accessible to me, breaking down complex topics very simply and helping me think through and make the decisions that were right for me. She was a teacher, a sounding board and an encouraging coach to help hold me accountable to make some changes that will very positively impact my future.

Keturah Bishop

Entrepreneur

Jennifer explains finances in a clear, down-to-earth, non-judgy way that is perfect for someone like me who has experienced a bit (ok - a lot) of avoidance when it comes to wrangling my money. With Jennifer's guidance, I was able to make tangible progress in tackling my debt, along with a game plan for knocking out the rest of it. I've automated my monthly savings and I'm excited for the next step - investing! I now see this as something I can actually do. Thanks to Jennifer, I'm no longer lying awake at night worrying about my money. I have a long-term plan of action and feel 100% empowered to make it happen. So grateful!

Anna Vatuone

entrepreneur

I found Jenn at a time in my life when I was burdened, discouraged, & confused. With thousands of dollars in credit card debt and student loans hanging over my head, I lacked the hope I needed to move forward. Jenn was the first person I confided in about financial situation. On our first clarity call, I cried. She met me with empathy and compassion and never made me feel judged. She shared her personal story with me and provided clear next steps for taking action on my financial goals. At the end of our call she told me, “You can do this.” And she said in such a way that I believed her. Well, I did do it. I’ve paid off almost $20,000 of credit card debt in less than six months and I am now embarking on the start of my investing journey. So would I recommend Jenn to a friend? Absolutely. Run, don’t walk. Working with Jenn is the best way to take action on your goals and transform your relationship with money in a holistic, easy-to-mange way.

Samantha Kelen

Chief Compliance Officer

I chose to work with Jennifer to get my financial life in order. She helped me figure out how to bucket my money into short, medium, and long-term goals, organize and simplify my accounts, and prioritize and automate my investments. She broke down complex concepts into simple language but never spoke down to me. She never judged me based on the dollars in my accounts or shamed me for past financial decisions. She helped me set reasonable and attainable goals for responsible saving that will also allow me to enjoy my life. She did not ask me about my (non-existent) husband's income or what he thought I should do with my money. No sexism or mansplaining here. If you're looking to tackle your own financial demons, I highly recommend you set up some time to chat with her. It's well worth it.

EDUCATION

Long-term financial success begins with basic education

Money management is easier than the financial industry makes you think. And they profit handsomely when you believe you need their help. Beware.You don't need someone else to invest your money for you.You just need to learn the basics.

ACTION

Accelerate your wealth with a simple saving and investing plan.

Set it and forget it.Automating your money plan is a fool-proof way to pace toward your financial goals and enjoy life while your money works in the background.Need help designing your plan?

About me

Hi, I'm Jennifer Welsh.

I bought my first stock in 2008. The market had crashed, and my dad, a broker at the time, encouraged me to start. “Everything’s on sale,” he said.I loved picking stocks and watching them move. But I didn’t have a strategy, and I was terrible with money. So I ended up selling my stocks when I needed money.Had I held on to those early investments, I’d be sitting on a pile of money today. But I wasn’t thinking long-term. I have a lot of regrets about that.Read More

Let's Work Together

MONEY SCHOOL: A DIGITAL COURSE

$97

Money School is a self-paced online course that teaches you the basics of personal finance.

  • The week-by-week strategy I used to pay off my debt

  • A simple, 4-step game plan to a proper budget

  • My fool-proof strategy for mindful spending

  • 3 critical components to setting up a savings plan

  • One tried-and-true method to start investing in the stock market.

PRE-RECORDED COURSE

BOOK A 1:1 COACHING CALL WITH ME

$200

Need some deeper 1:1 guidance? Book some time to work with me and we can cover a variety of topics:

  • Creating a "get out of debt" plan

  • Laying out a weekly budget to maximize saving

  • Identifying key opportunities to cut spending

  • Learn to start investing on your own

45-minute 1:1 CALL

Thank you!

Thanks for joining my email list!You can expect to hear from me every Tuesday.

About me

Hi, I'm Jennifer Welsh.

I bought my first stock in 2008. The market had crashed, and my dad, a broker at the time, encouraged me to start. “Everything’s on sale,” he said.I loved picking stocks and watching them move. But I didn’t have a strategy, and I was terrible with money. So I ended up selling my stocks when I needed money.Had I held on to those early investments, I’d be sitting on a pile of money today. But I wasn’t thinking long-term. I have a lot of regrets about that.When the market crashed again in 2020, I was older and wiser. And my dad’s words came back. “Everything’s on sale.”I dusted off my old brokerage account and got back to my old hobby. Watching the market, learning, buying stocks. But this time, I was serious.It wasn’t long before I fired my financial advisor. It was clear my accounts hadn’t been managed with my best interest in mind. And I realized I could manage my own portfolio.As I learned and invested more, I talked with friends about their views on investing.Time and again, people said the same thing: The stock market intimidated them. Everyone expressed interest, but did not believe they could invest on their own.So I started showing some friends how to open a brokerage account. I showed them how I make investing decisions. I made it easy for them to understand.I got a lot of joy from demystifying the stock market so my friends could start investing too, without feeling intimidated.And with encouragement from those friends, and my husband, I started sharing my learnings about the stock market more publicly.I'm no Warren Buffett. And I’m certainly not a financial advisor.I’m a regular person who loves investing. I believe everyone can and should participate in the stock market. And you don’t need anyone to do it for you.If you want to learn the basics of stock market investing, and you want to invest on your own, then you're in the right place.I will teach you to invest in the stock market.

Free Investment Education

Free Resources

Ready to get your money in order?
Check out my free resources to help you get organized.

Money Organizer & budgeting tool

This digital workbook will guide you to organize your debt, track your expenses, and build your budget.No starting from scratch. Just use my templates.

how to open a brokerage account

When you're ready to start investing in the stock market, opening a brokerage account is your first step.This guide shows you how to open and fund your account.

Take Control of Your Finances

Money School

money school digital course
$97

Whitney Summerhays

Money School Student

"Money School is the best investment I've made into my future. Jennifer provides meaningful communication that has immediate & practical application in my life and money. I'm halfway through & have already made huge changes in my finances. I've cut my shopping and coffee budget to invest more in my future and am not scared of the stock market anymore! If I can be confident in investing, anyone can!"

Miranda Caldwell

Money School Student

"Money School removed any possible excuses & has given me permission to start from where I'm at today. That means I don't have to wait until my debt is 100% gone to invest. I'm loving on my future self instead of depriving that self of what it really needs. I've automated a small amount to be invested every week. It's not much, but it feels good that it's all just happening without having to think about it."

Summer Martin

Money School Student

"Money School has helped me to create a sustainable budget for my family. We now actually KNOW where our money is going each month and have a sense of control that we have never had before. It is empowering to spend less, save and invest more and splurge on experiences and things we truly VALUE. Money School makes you think about each purchase you make! Intentionality is key."

About Money School

Getting organized is your key to financial security.Money School is a short course that will align your intentions and your actions so your money can start working for you!You'll learn these basics of money management:✔️ The week-by-week strategy I used to pay off my debt✔️ A simple, 4-step game plan to a proper budget✔️ My fool-proof strategy for mindful spending✔️ 3 critical components to setting up a savings plan✔️ One tried-and-true method to start investing in the stock market.I share realistic tips for managing your money.And by the end of this short course, you'll understand how debt, budgeting, spending, saving, and investing all work together (for you or against you).

Coaching

Work 1:1 With Me

Book a 1:1 coaching call

Book a call to discuss debt, budgeting, spending mindset, saving, or investing.NOTE: I am not a financial advisor, and I cannot tell you what to invest in. I do not make investment portfolio suggestions of any kind.I teach the basic principles of financial literacy.

Free Guide

How to Open a Brokerage Account

Ready to start investing in the stock market?Opening a brokerage account is your first step.This type of account gives you access to the stock market.There are many different kinds of brokerage accounts you can open.
Some accounts are specifically for retirement. And others are designed to save for college education and / or for children. And there are many others.This guide will show you how to open a taxable, self-directed brokerage account in the US.Some notes on this type of account:- This is the kind of account that I use to grow my money that I don't need right now, but want access to before retirement.
- "Taxable" indicates the account is not designated for retirement and doesn't come with tax benefits. You don't have to wait until retirement to use the money. And you'll pay taxes on your profits.
- "Self-directed" means you'll be responsible for selecting your investments, executing orders, and managing your account.The beauty of a self-directed brokerage account is twofold: You have total control over what you invest in. And you won't share your profits with a money manager.Some people are intimidated by the idea of managing their own investments. But there are surprisingly easy ways to do this, with little maintenance required.After setting up a system, your plan can run on auto-pilot. Easy does it, really.In fact, the simpler, and more hands off you are, the better your chances for long-term success.If this sounds good, you're just 3 steps away.Let's do this.Step 1: Choose A Brokerage PlatformThere are many brokerage options in the world today. And I've learned a lot from using different ones.Ultimately, my preferred brokerage platform is Etrade. To be clear, I'm not earning kickbacks for recommending them. I just like Etrade, and here's why:- They earn best-in-class ratings for sleek design and user experience.
- They offer a wide range of account types and product offerings.
- The dashboard is beginner-friendly, but has robust tools too.
- They're a well-established company (founded in 1982).
- It's easy to see how my investments are performing.
- They don't charge commission fees.
- They offer dividend reinvestment.Other well-regarded platforms for beginners include TD Ameritrade and Fidelity.I think the most important factor when choosing a brokerage platform is to pick one you feel comfortable navigating when you log in. You want something that's easy to use.For some context about what I mean here... I used Vanguard for many years. It's a wonderful company, but navigating their dashboard is a real nightmare. It's not intuitive, and it was nearly impossible to understand how my money was moving. I finally left them out of frustration.And switching platforms is an ordeal. So I hope you will find a company you can stick with forever. For that reason, I tend to favor well-established brokerage firms.For me, Etrade is simple, and I enjoy logging in and doing research on their website.Bottom line: choose a platform you feel comfortable with.Do your research, and read customer reviews.And once you choose a brokerage platform, it's time to open your account!Step 2: Open A Brokerage AccountThis is pretty self-explanatory, and your brokerage platform will guide you through their process. They should make it easy, and if they don't, that's a red flag.Go to your platform and follow these steps:- Open An Account
- Choose Individual or Joint (Individual for just you. Joint if you will share the account with a partner. )Here's some information you'll have to provide to open your account:- Social Security Number or ITIN
- Foreign tax ID, passport, or visa number (if you're not a U.S. citizen or permanent resident)
- Your employer's name, address, and phone number
- Your bank account (savings or checking) and routing number you'll use to fund the account.
- Some basic personal informationNOTE: You can your bank account numbers by logging into to your bank account and searching for "my routing number" and/or "my account number" in the search bar. Note: These numbers are long, and you don't want to enter the wrong information. Copy and paste the numbers to avoid errors.The validation process to open a brokerage account usually takes 2-3 business days.Decide about how much you want to start investing, and make sure that amount is available in the bank account you linked to your brokerage account.Step 3: Fund Your New Brokerage AccountOnce your brokerage account is active, it's time to put money in there so you can invest it!You'll transfer the money from the bank account you linked to your brokerage account. And this process will probably take 2-3 business days for the money to move over.Consider automating a recurring transfer from your bank account to your new brokerage account on a schedule that works well with your income and expenses.Recurring transfers make investing a habit, and you'll get used to it before you know it.This is paying yourself first in action.After you set up a regular contribution from your bank to your brokerage account, you'll need to go into the account to make the actual investments (this is called executing orders). You can also set up an automatic investment schedule.And here's another idea that I found available on Etrade that I like a lot:You can set up automatic direct deposits from your paycheck to your brokerage account. Since Etrade offers this, I imagine other platforms do too.Bottom line: Automation can enforce good habits and discipline. The more you automate your contributions, the more likely you are to invest regularly and reap the long-term rewards.Time To Start InvestingCongratulations on setting up your brokerage account!Now, it’s time to start investing. Need some stock market education?I offer a 5-star rated course, Money School, that will teach you how to plan, budget, save, and invest your money.I can also help you think deeply about your financial goals and automate a plan to get your hard-earned money working for you in the market!Book some 1:1 time with me below if you want some direct help from me.

Jennifer Welsh llc

Privacy Policy

Privacy Policy
Last updated: March 12, 2022
This Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your information when You use the Service and tells You about Your privacy rights and how the law protects You.
We use Your Personal data to provide and improve the Service. By using the Service, You agree to the collection and use of information in accordance with this Privacy Policy.
Interpretation and Definitions
Interpretation
The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.
Definitions
For the purposes of this Privacy Policy:
Account means a unique account created for You to access our Service or parts of our Service.
Business, for the purpose of the CCPA (California Consumer Privacy Act), refers to the Company as the legal entity that collects Consumers' personal information and determines the purposes and means of the processing of Consumers' personal information, or on behalf of which such information is collected and that alone, or jointly with others, determines the purposes and means of the processing of consumers' personal information, that does business in the State of California.
Company (referred to as either "the Company", "We", "Us" or "Our" in this Agreement) refers to Jennifer Welsh LLC, 317 S. 14th Street, Nashville, TN 37206.
For the purpose of the GDPR, the Company is the Data Controller.
Consumer, for the purpose of the CCPA (California Consumer Privacy Act), means a natural person who is a California resident. A resident, as defined in the law, includes (1) every individual who is in the USA for other than a temporary or transitory purpose, and (2) every individual who is domiciled in the USA who is outside the USA for a temporary or transitory purpose.
Cookies are small files that are placed on Your computer, mobile device or any other device by a website, containing the details of Your browsing history on that website among its many uses.
Country refers to: Tennessee, United States
Data Controller, for the purposes of the GDPR (General Data Protection Regulation), refers to the Company as the legal person which alone or jointly with others determines the purposes and means of the processing of Personal Data.
Device means any device that can access the Service such as a computer, a cellphone or a digital tablet.
Do Not Track (DNT) is a concept that has been promoted by US regulatory authorities, in particular the U.S. Federal Trade Commission (FTC), for the Internet industry to develop and implement a mechanism for allowing internet users to control the tracking of their online activities across websites.
Personal Data is any information that relates to an identified or identifiable individual.
For the purposes of GDPR, Personal Data means any information relating to You such as a name, an identification number, location data, online identifier or to one or more factors specific to the physical, physiological, genetic, mental, economic, cultural or social identity.
For the purposes of the CCPA, Personal Data means any information that identifies, relates to, describes or is capable of being associated with, or could reasonably be linked, directly or indirectly, with You.
Sale, for the purpose of the CCPA (California Consumer Privacy Act), means selling, renting, releasing, disclosing, disseminating, making available, transferring, or otherwise communicating orally, in writing, or by electronic or other means, a Consumer's personal information to another business or a third party for monetary or other valuable consideration.
Service refers to the Website.
Service Provider means any natural or legal person who processes the data on behalf of the Company. It refers to third-party companies or individuals employed by the Company to facilitate the Service, to provide the Service on behalf of the Company, to perform services related to the Service or to assist the Company in analyzing how the Service is used. For the purpose of the GDPR, Service Providers are considered Data Processors.
Usage Data refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).
Website refers to Jennifer Welsh, accessible from https://jenniferwelsh.me
You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.
Under GDPR (General Data Protection Regulation), You can be referred to as the Data Subject or as the User as you are the individual using the Service.
Collecting and Using Your Personal Data
Types of Data Collected
Personal Data
While using Our Service, We may ask You to provide Us with certain personally identifiable information that can be used to contact or identify You. Personally identifiable information may include, but is not limited to:
Email address
First name and last name
Address, State, Province, ZIP/Postal code, City
Usage Data
Usage Data
Usage Data is collected automatically when using the Service.
Usage Data may include information such as Your Device's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that You visit, the time and date of Your visit, the time spent on those pages, unique device identifiers and other diagnostic data.
When You access the Service by or through a mobile device, We may collect certain information automatically, including, but not limited to, the type of mobile device You use, Your mobile device unique ID, the IP address of Your mobile device, Your mobile operating system, the type of mobile Internet browser You use, unique device identifiers and other diagnostic data.
We may also collect information that Your browser sends whenever You visit our Service or when You access the Service by or through a mobile device.
Tracking Technologies and Cookies
We use Cookies and similar tracking technologies to track the activity on Our Service and store certain information. Tracking technologies used are beacons, tags, and scripts to collect and track information and to improve and analyze Our Service. The technologies We use may include:
Cookies or Browser Cookies. A cookie is a small file placed on Your Device. You can instruct Your browser to refuse all Cookies or to indicate when a Cookie is being sent. However, if You do not accept Cookies, You may not be able to use some parts of our Service. Unless you have adjusted Your browser setting so that it will refuse Cookies, our Service may use Cookies.
Flash Cookies. Certain features of our Service may use local stored objects (or Flash Cookies) to collect and store information about Your preferences or Your activity on our Service. Flash Cookies are not managed by the same browser settings as those used for Browser Cookies. For more information on how You can delete Flash Cookies, please read "Where can I change the settings for disabling, or deleting local shared objects?" available at https://helpx.adobe.com/flash-player/kb/disable-local-shared-objects-flash.html#mainWherecanIchangethesettingsfordisabling_ordeletinglocalsharedobjects
Web Beacons. Certain sections of our Service and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of a certain section and verifying system and server integrity).
Cookies can be "Persistent" or "Session" Cookies. Persistent Cookies remain on Your personal computer or mobile device when You go offline, while Session Cookies are deleted as soon as You close Your web browser. You can learn more about cookies here: Cookies by TermsFeed Generator.
We use both Session and Persistent Cookies for the purposes set out below:
Necessary / Essential Cookies
Type: Session Cookies
Administered by: Us
Purpose: These Cookies are essential to provide You with services available through the Website and to enable You to use some of its features. They help to authenticate users and prevent fraudulent use of user accounts. Without these Cookies, the services that You have asked for cannot be provided, and We only use these Cookies to provide You with those services.
Cookies Policy / Notice Acceptance Cookies
Type: Persistent Cookies
Administered by: Us
Purpose: These Cookies identify if users have accepted the use of cookies on the Website.
Functionality Cookies
Type: Persistent Cookies
Administered by: Us
Purpose: These Cookies allow us to remember choices You make when You use the Website, such as remembering your login details or language preference. The purpose of these Cookies is to provide You with a more personal experience and to avoid You having to re-enter your preferences every time You use the Website.
Tracking and Performance Cookies
Type: Persistent Cookies
Administered by: Third-Parties
Purpose: These Cookies are used to track information about traffic to the Website and how users use the Website. The information gathered via these Cookies may directly or indirectly identify you as an individual visitor. This is because the information collected is typically linked to a pseudonymous identifier associated with the device you use to access the Website. We may also use these Cookies to test new pages, features or new functionality of the Website to see how our users react to them.
For more information about the cookies we use and your choices regarding cookies, please visit our Cookies Policy or the Cookies section of our Privacy Policy.
Use of Your Personal Data
The Company may use Personal Data for the following purposes:
To provide and maintain our Service, including to monitor the usage of our Service.
To manage Your Account: to manage Your registration as a user of the Service. The Personal Data You provide can give You access to different functionalities of the Service that are available to You as a registered user.
For the performance of a contract: the development, compliance and undertaking of the purchase contract for the products, items or services You have purchased or of any other contract with Us through the Service.
To contact You: To contact You by email, telephone calls, SMS, or other equivalent forms of electronic communication, such as a mobile application's push notifications regarding updates or informative communications related to the functionalities, products or contracted services, including the security updates, when necessary or reasonable for their implementation.
To provide You with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless You have opted not to receive such information.
To manage Your requests: To attend and manage Your requests to Us.
For business transfers: We may use Your information to evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Data held by Us about our Service users is among the assets transferred.
For other purposes: We may use Your information for other purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve our Service, products, services, marketing and your experience.
We may share Your personal information in the following situations:
With Service Providers: We may share Your personal information with Service Providers to monitor and analyze the use of our Service, for payment processing, to contact You.
For business transfers: We may share or transfer Your personal information in connection with, or during negotiations of, any merger, sale of Company assets, financing, or acquisition of all or a portion of Our business to another company.
With Affiliates: We may share Your information with Our affiliates, in which case we will require those affiliates to honor this Privacy Policy. Affiliates include Our parent company and any other subsidiaries, joint venture partners or other companies that We control or that are under common control with Us.
With business partners: We may share Your information with Our business partners to offer You certain products, services or promotions.
With other users: when You share personal information or otherwise interact in the public areas with other users, such information may be viewed by all users and may be publicly distributed outside.
With Your consent: We may disclose Your personal information for any other purpose with Your consent.
Retention of Your Personal Data
The Company will retain Your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use Your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.
The Company will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of Our Service, or We are legally obligated to retain this data for longer time periods.
Transfer of Your Personal Data
Your information, including Personal Data, is processed at the Company's operating offices and in any other places where the parties involved in the processing are located. It means that this information may be transferred to — and maintained on — computers located outside of Your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from Your jurisdiction.
Your consent to this Privacy Policy followed by Your submission of such information represents Your agreement to that transfer.
The Company will take all steps reasonably necessary to ensure that Your data is treated securely and in accordance with this Privacy Policy and no transfer of Your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of Your data and other personal information.

Disclosure of Your Personal Data
Business Transactions
If the Company is involved in a merger, acquisition or asset sale, Your Personal Data may be transferred. We will provide notice before Your Personal Data is transferred and becomes subject to a different Privacy Policy.
Law enforcement
Under certain circumstances, the Company may be required to disclose Your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).
Other legal requirements
The Company may disclose Your Personal Data in the good faith belief that such action is necessary to:
Comply with a legal obligation
Protect and defend the rights or property of the Company
Prevent or investigate possible wrongdoing in connection with the Service
Protect the personal safety of Users of the Service or the public
Protect against legal liability
Security of Your Personal Data
The security of Your Personal Data is important to Us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While We strive to use commercially acceptable means to protect Your Personal Data, We cannot guarantee its absolute security.
Detailed Information on the Processing of Your Personal Data
The Service Providers We use may have access to Your Personal Data. These third-party vendors collect, store, use, process and transfer information about Your activity on Our Service in accordance with their Privacy Policies.
Analytics
We may use third-party Service providers to monitor and analyze the use of our Service.
Google Analytics
Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network.
You can opt-out of having made your activity on the Service available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js and dc.js) from sharing information with Google Analytics about visits activity.
For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy
Fathom Analytics
Their Privacy Policy can be viewed at https://usefathom.com/privacy
Email Marketing
We may use Your Personal Data to contact You with newsletters, marketing or promotional materials and other information that may be of interest to You. You may opt-out of receiving any, or all, of these communications from Us by following the unsubscribe link or instructions provided in any email We send or by contacting Us.
We may use Email Marketing Service Providers to manage and send emails to You.
Kajabi
Their Privacy Policy can be viewed at https://kajabi.com/policies/privacy
Payments
We may provide paid products and/or services within the Service. In that case, we may use third-party services for payment processing (e.g. payment processors).
We will not store or collect Your payment card details. That information is provided directly to Our third-party payment processors whose use of Your personal information is governed by their Privacy Policy. These payment processors adhere to the standards set by PCI-DSS as managed by the PCI Security Standards Council, which is a joint effort of brands like Visa, Mastercard, American Express and Discover. PCI-DSS requirements help ensure the secure handling of payment information.
Stripe
Their Privacy Policy can be viewed at https://stripe.com/us/privacy
GDPR Privacy
Legal Basis for Processing Personal Data under GDPR
We may process Personal Data under the following conditions:
Consent: You have given Your consent for processing Personal Data for one or more specific purposes.
Performance of a contract: Provision of Personal Data is necessary for the performance of an agreement with You and/or for any pre-contractual obligations thereof.
Legal obligations: Processing Personal Data is necessary for compliance with a legal obligation to which the Company is subject.
Vital interests: Processing Personal Data is necessary in order to protect Your vital interests or of another natural person.
Public interests: Processing Personal Data is related to a task that is carried out in the public interest or in the exercise of official authority vested in the Company.
Legitimate interests: Processing Personal Data is necessary for the purposes of the legitimate interests pursued by the Company.
In any case, the Company will gladly help to clarify the specific legal basis that applies to the processing, and in particular whether the provision of Personal Data is a statutory or contractual requirement, or a requirement necessary to enter into a contract.
Your Rights under the GDPR
The Company undertakes to respect the confidentiality of Your Personal Data and to guarantee You can exercise Your rights.
You have the right under this Privacy Policy, and by law if You are within the EU, to:
Request access to Your Personal Data. The right to access, update or delete the information We have on You. Whenever made possible, you can access, update or request deletion of Your Personal Data directly within Your account settings section. If you are unable to perform these actions yourself, please contact Us to assist You. This also enables You to receive a copy of the Personal Data We hold about You.
Request correction of the Personal Data that We hold about You. You have the right to have any incomplete or inaccurate information We hold about You corrected.
Object to processing of Your Personal Data. This right exists where We are relying on a legitimate interest as the legal basis for Our processing and there is something about Your particular situation, which makes You want to object to our processing of Your Personal Data on this ground. You also have the right to object where We are processing Your Personal Data for direct marketing purposes.
Request erasure of Your Personal Data. You have the right to ask Us to delete or remove Personal Data when there is no good reason for Us to continue processing it.
Request the transfer of Your Personal Data. We will provide to You, or to a third-party You have chosen, Your Personal Data in a structured, commonly used, machine-readable format. Please note that this right only applies to automated information which You initially provided consent for Us to use or where We used the information to perform a contract with You.
Withdraw Your consent. You have the right to withdraw Your consent on using your Personal Data. If You withdraw Your consent, We may not be able to provide You with access to certain specific functionalities of the Service.
Exercising of Your GDPR Data Protection Rights
You may exercise Your rights of access, rectification, cancellation and opposition by contacting Us. Please note that we may ask You to verify Your identity before responding to such requests. If You make a request, We will try our best to respond to You as soon as possible.
You have the right to complain to a Data Protection Authority about Our collection and use of Your Personal Data. For more information, if You are in the European Economic Area (EEA), please contact Your local data protection authority in the EEA.
CCPA Privacy
This privacy notice section for California residents supplements the information contained in Our Privacy Policy and it applies solely to all visitors, users, and others who reside in the State of California.
Categories of Personal Information Collected
We collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular Consumer or Device. The following is a list of categories of personal information which we may collect or may have been collected from California residents within the last twelve (12) months.
Please note that the categories and examples provided in the list below are those defined in the CCPA. This does not mean that all examples of that category of personal information were in fact collected by Us, but reflects our good faith belief to the best of our knowledge that some of that information from the applicable category may be and may have been collected. For example, certain categories of personal information would only be collected if You provided such personal information directly to Us.
Category A: Identifiers.
Examples: A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, driver's license number, passport number, or other similar identifiers.
Collected: Yes.
Category B: Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).
Examples: A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories.
Collected: Yes.
Category C: Protected classification characteristics under California or federal law.
Examples: Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).
Collected: No.
Category D: Commercial information.
Examples: Records and history of products or services purchased or considered.
Collected: Yes.
Category E: Biometric information.
Examples: Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.
Collected: No.
Category F: Internet or other similar network activity.
Examples: Interaction with our Service or advertisement.
Collected: Yes.
Category G: Geolocation data.
Examples: Approximate physical location.
Collected: No.
Category H: Sensory data.
Examples: Audio, electronic, visual, thermal, olfactory, or similar information.
Collected: No.
Category I: Professional or employment-related information.
Examples: Current or past job history or performance evaluations.
Collected: No.
Category J: Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)).
Examples: Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.
Collected: No.
Category K: Inferences drawn from other personal information.
Examples: Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.
Collected: No.
Under CCPA, personal information does not include:
Publicly available information from government records
Deidentified or aggregated consumer information
Information excluded from the CCPA's scope, such as:
Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data
Personal Information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver's Privacy Protection Act of 1994
Sources of Personal Information
We obtain the categories of personal information listed above from the following categories of sources:
Directly from You. For example, from the forms You complete on our Service, preferences You express or provide through our Service, or from Your purchases on our Service.
Indirectly from You. For example, from observing Your activity on our Service.
Automatically from You. For example, through cookies We or our Service Providers set on Your Device as You navigate through our Service.
From Service Providers. For example, third-party vendors to monitor and analyze the use of our Service, third-party vendors for payment processing, or other third-party vendors that We use to provide the Service to You.
Use of Personal Information for Business Purposes or Commercial Purposes
We may use or disclose personal information We collect for "business purposes" or "commercial purposes" (as defined under the CCPA), which may include the following examples:
To operate our Service and provide You with our Service.
To provide You with support and to respond to Your inquiries, including to investigate and address Your concerns and monitor and improve our Service.
To fulfill or meet the reason You provided the information. For example, if You share Your contact information to ask a question about our Service, We will use that personal information to respond to Your inquiry. If You provide Your personal information to purchase a product or service, We will use that information to process Your payment and facilitate delivery.
To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
As described to You when collecting Your personal information or as otherwise set forth in the CCPA.
For internal administrative and auditing purposes.
To detect security incidents and protect against malicious, deceptive, fraudulent or illegal activity, including, when necessary, to prosecute those responsible for such activities.
Please note that the examples provided above are illustrative and not intended to be exhaustive. For more details on how we use this information, please refer to the "Use of Your Personal Data" section.
If We decide to collect additional categories of personal information or use the personal information We collected for materially different, unrelated, or incompatible purposes We will update this Privacy Policy.
Disclosure of Personal Information for Business Purposes or Commercial Purposes
We may use or disclose and may have used or disclosed in the last twelve (12) months the following categories of personal information for business or commercial purposes:
Category A: Identifiers
Category B: Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e))
Category D: Commercial information
Category F: Internet or other similar network activity
Please note that the categories listed above are those defined in the CCPA. This does not mean that all examples of that category of personal information were in fact disclosed, but reflects our good faith belief to the best of our knowledge that some of that information from the applicable category may be and may have been disclosed.
When We disclose personal information for a business purpose or a commercial purpose, We enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract.
Sale of Personal Information
As defined in the CCPA, "sell" and "sale" mean selling, renting, releasing, disclosing, disseminating, making available, transferring, or otherwise communicating orally, in writing, or by electronic or other means, a consumer's personal information by the business to a third party for valuable consideration. This means that We may have received some kind of benefit in return for sharing personal information, but not necessarily a

Share of Personal Information
We may share Your personal information identified in the above categories with the following categories of third parties:
Service Providers
Payment processors
Our affiliates
Our business partners
Third party vendors to whom You or Your agents authorize Us to disclose Your personal information in connection with products or services We provide to You
Sale of Personal Information of Minors Under 16 Years of Age
We do not knowingly collect personal information from minors under the age of 16 through our Service, although certain third party websites that we link to may do so. These third-party websites have their own terms of use and privacy policies and we encourage parents and legal guardians to monitor their children's Internet usage and instruct their children to never provide information on other websites without their permission.
We do not sell the personal information of Consumers We actually know are less than 16 years of age, unless We receive affirmative authorization (the "right to opt-in") from either the Consumer who is between 13 and 16 years of age, or the parent or guardian of a Consumer less than 13 years of age. Consumers who opt-in to the sale of personal information may opt-out of future sales at any time. To exercise the right to opt-out, You (or Your authorized representative) may submit a request to Us by contacting Us.
If You have reason to believe that a child under the age of 13 (or 16) has provided Us with personal information, please contact Us with sufficient detail to enable Us to delete that information.
Your Rights under the CCPA
The CCPA provides California residents with specific rights regarding their personal information. If You are a resident of California, You have the following rights:
The right to notice. You have the right to be notified which categories of Personal Data are being collected and the purposes for which the Personal Data is being used.
The right to request. Under CCPA, You have the right to request that We disclose information to You about Our collection, use, sale, disclosure for business purposes and share of personal information. Once We receive and confirm Your request, We will disclose to You:
The categories of personal information We collected about You
The categories of sources for the personal information We collected about You
Our business or commercial purpose for collecting or selling that personal information
The categories of third parties with whom We share that personal information
The specific pieces of personal information We collected about You
If we sold Your personal information or disclosed Your personal information for a business purpose, We will disclose to You:
The categories of personal information categories sold
The categories of personal information categories disclosed
The right to say no to the sale of Personal Data (opt-out). You have the right to direct Us to not sell Your personal information. To submit an opt-out request please contact Us.
The right to delete Personal Data. You have the right to request the deletion of Your Personal Data, subject to certain exceptions. Once We receive and confirm Your request, We will delete (and direct Our Service Providers to delete) Your personal information from our records, unless an exception applies. We may deny Your deletion request if retaining the information is necessary for Us or Our Service Providers to:
Complete the transaction for which We collected the personal information, provide a good or service that You requested, take actions reasonably anticipated within the context of our ongoing business relationship with You, or otherwise perform our contract with You.
Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
Debug products to identify and repair errors that impair existing intended functionality.
Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et. seq.).
Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information's deletion may likely render impossible or seriously impair the research's achievement, if You previously provided informed consent.
Enable solely internal uses that are reasonably aligned with consumer expectations based on Your relationship with Us.
Comply with a legal obligation.
Make other internal and lawful uses of that information that are compatible with the context in which You provided it.
The right not to be discriminated against. You have the right not to be discriminated against for exercising any of Your consumer's rights, including by:
Denying goods or services to You
Charging different prices or rates for goods or services, including the use of discounts or other benefits or imposing penalties
Providing a different level or quality of goods or services to You
Suggesting that You will receive a different price or rate for goods or services or a different level or quality of goods or services
Exercising Your CCPA Data Protection Rights
In order to exercise any of Your rights under the CCPA, and if You are a California resident, You can contact Us:
By email: hello@jenniferwelsh.me
Only You, or a person registered with the California Secretary of State that You authorize to act on Your behalf, may make a verifiable request related to Your personal information.
Your request to Us must:
Provide sufficient information that allows Us to reasonably verify You are the person about whom We collected personal information or an authorized representative
Describe Your request with sufficient detail that allows Us to properly understand, evaluate, and respond to it
We cannot respond to Your request or provide You with the required information if We cannot:
Verify Your identity or authority to make the request
And confirm that the personal information relates to You
We will disclose and deliver the required information free of charge within 45 days of receiving Your verifiable request. The time period to provide the required information may be extended once by an additional 45 days when reasonably necessary and with prior notice.
Any disclosures We provide will only cover the 12-month period preceding the verifiable request's receipt.
For data portability requests, We will select a format to provide Your personal information that is readily usable and should allow You to transmit the information from one entity to another entity without hindrance.
Do Not Sell My Personal Information
You have the right to opt-out of the sale of Your personal information. Once We receive and confirm a verifiable consumer request from You, we will stop selling Your personal information. To exercise Your right to opt-out, please contact Us.
The Service Providers we partner with (for example, our analytics or advertising partners) may use technology on the Service that sells personal information as defined by the CCPA law. If you wish to opt out of the use of Your personal information for interest-based advertising purposes and these potential sales as defined under CCPA law, you may do so by following the instructions below.
Please note that any opt out is specific to the browser You use. You may need to opt out on every browser that You use.
Website
You can opt out of receiving ads that are personalized as served by our Service Providers by following our instructions presented on the Service:
The NAI's opt-out platform: http://www.networkadvertising.org/choices/
The EDAA's opt-out platform http://www.youronlinechoices.com/
The DAA's opt-out platform: http://optout.aboutads.info/?c=2&lang=EN
The opt out will place a cookie on Your computer that is unique to the browser You use to opt out. If you change browsers or delete the cookies saved by your browser, You will need to opt out again.
Mobile Devices
Your mobile device may give You the ability to opt out of the use of information about the apps You use in order to serve You ads that are targeted to Your interests:
"Opt out of Interest-Based Ads" or "Opt out of Ads Personalization" on Android devices
"Limit Ad Tracking" on iOS devices
You can also stop the collection of location information from Your mobile device by changing the preferences on Your mobile device.
"Do Not Track" Policy as Required by California Online Privacy Protection Act (CalOPPA)
Our Service does not respond to Do Not Track signals.
However, some third party websites do keep track of Your browsing activities. If You are visiting such websites, You can set Your preferences in Your web browser to inform websites that You do not want to be tracked. You can enable or disable DNT by visiting the preferences or settings page of Your web browser.
Children's Privacy
Our Service does not address anyone under the age of 13. We do not knowingly collect personally identifiable information from anyone under the age of 13. If You are a parent or guardian and You are aware that Your child has provided Us with Personal Data, please contact Us. If We become aware that We have collected Personal Data from anyone under the age of 13 without verification of parental consent, We take steps to remove that information from Our servers.
If We need to rely on consent as a legal basis for processing Your information and Your country requires consent from a parent, We may require Your parent's consent before We collect and use that information.
Your California Privacy Rights (California's Shine the Light law)
Under California Civil Code Section 1798 (California's Shine the Light law), California residents with an established business relationship with us can request information once a year about sharing their Personal Data with third parties for the third parties' direct marketing purposes.
If you'd like to request more information under the California Shine the Light law, and if You are a California resident, You can contact Us using the contact information provided below.
California Privacy Rights for Minor Users (California Business and Professions Code Section 22581)
California Business and Professions Code Section 22581 allows California residents under the age of 18 who are registered users of online sites, services or applications to request and obtain removal of content or information they have publicly posted.
To request removal of such data, and if You are a California resident, You can contact Us using the contact information provided below, and include the email address associated with Your account.
Be aware that Your request does not guarantee complete or comprehensive removal of content or information posted online and that the law may not permit or require removal in certain circumstances.
Links to Other Websites
Our Service may contain links to other websites that are not operated by Us. If You click on a third party link, You will be directed to that third party's site. We strongly advise You to review the Privacy Policy of every site You visit.
We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.
Changes to this Privacy Policy
We may update Our Privacy Policy from time to time. We will notify You of any changes by posting the new Privacy Policy on this page.
We will let You know via email and/or a prominent notice on Our Service, prior to the change becoming effective and update the "Last updated" date at the top of this Privacy Policy.
You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.
Contact Us
If you have any questions about this Privacy Policy, You can contact us:
By email: jenniferwelsh@hey.com

Jennifer Welsh llc

Fulfillment Policy

Fulfillment Policy
The following terms and conditions (the "Agreement") administers the use of the jenniferwelsh.me website and services (“Services”) advertised and available on or at the jenniferwelsh.me website (the "Website"). The Website is owned and operated by Jennifer Welsh LLC ("Jennifer Welsh LLC"). The Website is offered subject to your (the "User" or "you") acceptance without modification of all of the terms and conditions contained herein and all other operating rules, policies and procedures that may be modified and published from time to time on the Website by Jennifer Welsh LLC – including, Pricing, Refund, Privacy Policy and others. If you do not agree to this Agreement, please refrain from using the Website.Jennifer Welsh LLC offers a refund policy adhering to the policies mentioned.1. Access & User Information
In order to purchase services on the Website, the User may fill the contact form on the Website (including filling out all required personal information). The User must notify Jennifer Welsh LLC immediately of any breach of security or unauthorized use of its account.Jennifer Welsh LLC may change, suspend or discontinue the Services, Products, fees, charges and terms at any time, including the availability of any feature or content. Jennifer Welsh LLC may also impose limits on certain features and Services or restrict User's access to parts or all of the Services without notice or liability. The User certifies to Jennifer Welsh LLC that if the User is an individual (i.e., not a corporation), the User is at least 18 years of age. The User also certifies that it is legally permitted to use the Website, and takes full responsibility for the selection and use of the Website. This Agreement is void where prohibited by law, and the right to access the Website is revoked in such jurisdictions.2. Modifications
Jennifer Welsh LLC reserves the right, at its discretion, to modify this Agreement, fees, charges and terms at any time. The User shall be responsible for reviewing and becoming familiar with any such modifications. Use of the Website by the User following such notification constitutes the User's acceptance of the changes in the terms and conditions.3. Payments and Fees
Jennifer Welsh LLC may save User’s credit or debit card information, unless the User notifies Jennifer Welsh LLC otherwise through an email to hello@jenniferwelsh.meBy accepting this Agreement, the User is confirming that it is legally entitled to use the means of payment tendered and, in the case of card payments, that the User is either the cardholder or have the cardholder's express permission to utilize the card to effect payment. Jennifer Welsh LLC may refuse to process a transaction for any reason or refuse Service to anyone at any time at Jennifer Welsh LLC's sole discretion. Jennifer Welsh LLC will not be liable to User or any third party by reason of refusing or suspending any transaction after processing has begun.Unless stated otherwise, all fees and payments are quoted in the U.S. Dollars. The User is responsible for paying all fees, payments and applicable taxes associated with our Website and Services.4. Online Payment Security
Jennifer Welsh LLC uses the secure Payment Gateway for its online credit card transactions. All online credit card transactions performed on this site are secured payments.Payments are fully automated with an immediate response.Your complete credit card number cannot be viewed by Jennifer Welsh LLC or any outside party.All transactions are performed under 128 Bit SSL Certificate.All transaction data is encrypted for storage within bank-grade data centres, further protecting your credit card data.5. Refund Policy
However, if you are not completely satisfied with your purchase for a valid reason, you may initiate a refund for the purchase. Please see below for more information on our refund policy. Refunds are generally not allowed after services have transpired unless at the discretion of Jennifer Welsh LLC.Initiate a RefundAll refunds must be initiated within fourteen (14) days of the purchase date.Refund ProcessTo initiate a refund, please email customer service at hello@jenniferwelsh.me.RefundsAfter inspection, we will process your refund. Please allow at least five (5) days from the receipt of your purchase to process your refund. Refunds may take up to 10 days to appear on your credit card statement, depending on your credit card company. We will notify you by email when your refund has been processed.6. General
No agency, partnership, joint venture, employee-employer, relationship, etc. is intended or created by this Agreement. You acknowledge that you have all the necessary permits to grant us with User’s personal data to fulfill this Agreement. If any provision of this Agreement is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced. In our sole discretion, we may assign this Agreement upon notice to you. Headings are for reference purposes only and do not limit the scope or extent of such section. Our failure to act with respect to a breach by you or others does not waive our right to act with respect to subsequent or similar breaches. We do not guarantee that we will take action against all breaches of this Agreement.Questions
If you have any questions concerning our fulfillment policy, please contact us at:+1-615-854-8049jenniferwelsh@hey.com

Fulfillment Policy
The following terms and conditions (the "Agreement") administers the use of the jenniferwelsh.me website and services (“Services”) advertised and available on or at the jenniferwelsh.me website (the "Website"). The Website is owned and operated by Jennifer Welsh LLC ("Jennifer Welsh LLC"). The Website is offered subject to your (the "User" or "you") acceptance without modification of all of the terms and conditions contained herein and all other operating rules, policies and procedures that may be modified and published from time to time on the Website by Jennifer Welsh LLC – including, Pricing, Refund, Privacy Policy and others. If you do not agree to this Agreement, please refrain from using the Website.Jennifer Welsh LLC offers a refund policy adhering to the policies mentioned.1. Access & User Information
In order to purchase services on the Website, the User may fill the contact form on the Website (including filling out all required personal information). The User must notify Jennifer Welsh LLC immediately of any breach of security or unauthorized use of its account.Jennifer Welsh LLC may change, suspend or discontinue the Services, Products, fees, charges and terms at any time, including the availability of any feature or content. Jennifer Welsh LLC may also impose limits on certain features and Services or restrict User's access to parts or all of the Services without notice or liability. The User certifies to Jennifer Welsh LLC that if the User is an individual (i.e., not a corporation), the User is at least 18 years of age. The User also certifies that it is legally permitted to use the Website, and takes full responsibility for the selection and use of the Website. This Agreement is void where prohibited by law, and the right to access the Website is revoked in such jurisdictions.2. Modifications
Jennifer Welsh LLC reserves the right, at its discretion, to modify this Agreement, fees, charges and terms at any time. The User shall be responsible for reviewing and becoming familiar with any such modifications. Use of the Website by the User following such notification constitutes the User's acceptance of the changes in the terms and conditions.3. Payments and Fees
Jennifer Welsh LLC may save User’s credit or debit card information, unless the User notifies Jennifer Welsh LLC otherwise through an email to hello@jenniferwelsh.meBy accepting this Agreement, the User is confirming that it is legally entitled to use the means of payment tendered and, in the case of card payments, that the User is either the cardholder or have the cardholder's express permission to utilize the card to effect payment. Jennifer Welsh LLC may refuse to process a transaction for any reason or refuse Service to anyone at any time at Jennifer Welsh LLC's sole discretion. Jennifer Welsh LLC will not be liable to User or any third party by reason of refusing or suspending any transaction after processing has begun.Unless stated otherwise, all fees and payments are quoted in the U.S. Dollars. The User is responsible for paying all fees, payments and applicable taxes associated with our Website and Services.4. Online Payment Security
Jennifer Welsh LLC uses the secure Payment Gateway for its online credit card transactions. All online credit card transactions performed on this site are secured payments.Payments are fully automated with an immediate response.Your complete credit card number cannot be viewed by Jennifer Welsh LLC or any outside party.All transactions are performed under 128 Bit SSL Certificate.All transaction data is encrypted for storage within bank-grade data centres, further protecting your credit card data.5. Refund Policy
However, if you are not completely satisfied with your purchase for a valid reason, you may initiate a refund for the purchase. Please see below for more information on our refund policy. Refunds are generally not allowed after services have transpired unless at the discretion of Jennifer Welsh LLC.Initiate a RefundAll refunds must be initiated within fourteen (14) days of the purchase date.Refund ProcessTo initiate a refund, please email customer service at hello@jenniferwelsh.me.RefundsAfter inspection, we will process your refund. Please allow at least five (5) days from the receipt of your purchase to process your refund. Refunds may take up to 10 days to appear on your credit card statement, depending on your credit card company. We will notify you by email when your refund has been processed.6. General
No agency, partnership, joint venture, employee-employer, relationship, etc. is intended or created by this Agreement. You acknowledge that you have all the necessary permits to grant us with User’s personal data to fulfill this Agreement. If any provision of this Agreement is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced. In our sole discretion, we may assign this Agreement upon notice to you. Headings are for reference purposes only and do not limit the scope or extent of such section. Our failure to act with respect to a breach by you or others does not waive our right to act with respect to subsequent or similar breaches. We do not guarantee that we will take action against all breaches of this Agreement.Questions
If you have any questions concerning our fulfillment policy, please contact us at:+1-615-854-8049jenniferwelsh@hey.com

Jennifer Welsh llc

Legal Disclaimer

The information I share here is based on my personal opinions and experiences. I am not a broker/dealer, nor am I an investment advisor.I have no access to non-public information about publicly traded companies, and my content is not for the giving or receiving of financial advice, advice concerning investment decisions, or tax or legal advice. I am not regulated by any State or Federal Financial Services Authority.All the content I share is intended to be an educational forum for discussing general and generic information related to stocks, investments and strategies. No content on this site constitutes – or should be understood as constituting – a recommendation to enter in any securities transactions or to engage in any of the investment strategies presented.I do not provide personalized recommendations or views as to whether a stock or investment approach is suited to the financial needs of a specific individual, and I am not compensated for any information I post on this site.MY content is intended to be used and must be used for information purposes only. It is very important to do your own analysis before making any investment based on your own personal circumstances.I do not make any warranties about the completeness, reliability, and accuracy of the information I share. I will not be liable for any losses and damages in connection with the use of my content.