Last Updated: 01/28/2026

These Terms of Use (“Terms”) govern your access to and use of www.womaninfinance.com (the “Site”). The Site is owned and operated by HEM Financial Group LLC (“HEM,” “we,” “our,” or “us”). Woman in Finance™ is a brand and program operated by HEM Financial Group LLC.

By accessing or using this Site, you agree to these Terms. If you do not agree, do not use the Site.

1. Purpose of the Site

The Site provides information about Woman in Finance™ programs and services, including strategic guidance frameworks and practical tools designed to support clarity, structure, and follow-through across personal, business, and workplace goals.

2. No Professional Advice

All content on this Site is provided for general informational purposes only.

• We are not a law firm and do not provide legal advice.
• We do not provide tax advice.
• We do not provide financial advice or investment recommendations.

Any content, tools, examples, frameworks, or resources are not a substitute for professional advice. You should consult qualified professionals before making legal, tax, financial, or investment decisions.

3. Eligibility

This Site is intended for individuals who are 18 years of age or older. By using the Site, you represent that you are at least 18.

4. Use of the Site

You agree to use the Site only for lawful purposes and in a way that does not infringe the rights of others. You must not:

• Attempt to disrupt, damage, or gain unauthorized access to the Site, server, or networks
• Use bots, scrapers, or automated tools to access or copy content without written permission
• Submit false, misleading, or unauthorized information through any form
• Upload or transmit viruses or harmful code

5. Scheduling and Requests

If the Site allows you to schedule a discovery call, submit an inquiry, or request information, you agree to provide accurate information. Availability is not guaranteed. Any services are subject to scope, eligibility, and applicable laws. A client relationship is created only through a confirmed engagement and, when applicable, a signed agreement.

6. Communications

If you submit your email through forms or inquiries, you consent to receive communications related to your request. If you opt in to marketing communications, you may unsubscribe at any time by following the instructions in the email or contacting us at info@hemfinancial.com.

7. Intellectual Property

All content on this Site, including text, graphics, logos, images, downloads, and materials, is owned by HEM Financial Group LLC or its licensors and is protected by intellectual property laws. You may not copy, reproduce, modify, distribute, republish, or create derivative works from Site content without prior written permission.

8. Third-Party Links

The Site may contain links to third-party websites or tools. We are not responsible for the content, accuracy, availability, or privacy practices of third parties. Accessing third-party links is at your own risk.

9. Disclaimers

The Site and its content are provided “as is” and “as available” without warranties of any kind. We do not guarantee that the Site will be uninterrupted, secure, or error-free.

10. Limitation of Liability

To the fullest extent permitted by law, HEM Financial Group LLC and its affiliates, owners, employees, contractors, and representatives will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Site or reliance on its content.

11. Insurance Licensing Notice (If Applicable)

Insurance products and services (when offered) are provided through Hesy Landesbaum, a licensed independent insurance broker authorized to operate in: NY, NJ, CT, PA, TX, NC, MI, and UT. Insurance offerings are available only to residents of those states and are subject to applicable state regulations.

Other consulting and educational services may be available nationwide or internationally, subject to applicable laws and program scope.

12. Privacy

Your use of the Site is also governed by our Privacy Policy. Please review it to understand how we collect, use, and protect your information.

13. Changes to These Terms

We may update these Terms from time to time. The most current version will be posted on this page with an updated Effective Date. Continued use of the Site after changes means you accept the updated Terms.

14. Governing Law

These Terms are governed by the laws of the State of Connecticut, without regard to conflict of law principles.

15. Contact

If you have questions about these Terms, contact us at:
info@hemfinancial.com