Financial Resilience Psychology

Effective Date: June 16, 2026

Welcome to Phronoia Global Consulting, LLC ("Phronoia," "Company," "we," "our," or "us"). By accessing our website, scheduling services, purchasing memberships, or participating in The Clarity Room™, you agree to be bound by these Terms and Conditions.

1. Nature of Services

Phronoia provides consulting, education, coaching, leadership development, professional development, strategic advisory services, executive support, speaking engagements, and facilitated conversations.

Services offered through The Clarity Room™ are designed to provide a confidential environment for discussion, reflection, personal insight, strategic thinking, and decision support.

The Clarity Room™ is not psychotherapy, counseling, psychiatric treatment, legal representation, financial advising, crisis intervention, or medical care.

2. No Professional Clinical Relationship

Participation in The Clarity Room™ does not establish a therapist-client relationship, physician-patient relationship, attorney-client relationship, or fiduciary relationship.

Users are responsible for seeking appropriate licensed professionals for medical, psychological, legal, financial, or emergency concerns.

3. Confidentiality

Phronoia respects the privacy of all participants.

Information shared during sessions will be treated confidentially except:

• When disclosure is required by law.
• When there is a credible threat of harm to self or others.
• When necessary to comply with legal obligations.
• When authorized in writing by the participant.

4. Memberships and Scheduling

Membership benefits, session allotments, and pricing are subject to change.

Unused sessions do not automatically roll over unless expressly stated in a membership agreement.

Appointments may be rescheduled with at least 24 hours notice.

5. Cancellation Policy

Sessions canceled with less than 24 hours notice may be forfeited.

No-shows may result in loss of the scheduled session without refund.

6. Intellectual Property

All content, materials, presentations, training resources, frameworks, publications, logos, trademarks, and methodologies remain the intellectual property of Phronoia Global Consulting, LLC unless otherwise stated.

7. Limitation of Liability

Phronoia does not guarantee specific outcomes from participation in any service.

To the fullest extent permitted by law, Phronoia shall not be liable for indirect, incidental, consequential, special, or punitive damages arising from participation in services.

8. User Responsibilities

Participants agree to:

• Provide accurate information.
• Conduct themselves respectfully.
• Refrain from unlawful activity.
• Accept responsibility for decisions made based on discussions or recommendations.

9. Modifications

Phronoia reserves the right to modify these Terms and Conditions at any time.

Continued use of services constitutes acceptance of revised terms.

10. Governing Law

These Terms shall be governed by the laws of the State of Texas, United States of America.

Contact

Phronoia Global Consulting, LLC
https://phronoia.com
info@phronoia.com

Effective Date: June 16, 2026

Phronoia Global Consulting, LLC is committed to protecting your privacy and safeguarding personal information entrusted to us.

Information We Collect

We may collect:

• Name
• Email address
• Telephone number
• Billing information
• Scheduling information
• Membership information
• Communications submitted through forms or email
• Website usage data

How We Use Information

Information may be used to:

• Schedule appointments
• Deliver services
• Process payments
• Respond to inquiries
• Improve services
• Communicate updates
• Maintain membership accounts

Confidential Communications

Conversations conducted through The Clarity Room™ are treated as confidential business communications.

However, participants should understand that electronic communications may involve inherent security risks despite reasonable safeguards.

Information Sharing

Phronoia does not sell personal information.

Information may be shared only:

• With service providers supporting operations.
• When legally required.
• To protect rights, safety, or security.
• With participant authorization.

Data Security

We implement reasonable administrative, technical, and organizational safeguards to protect personal information.

Data Retention

Information is retained only as long as reasonably necessary for operational, legal, financial, or business purposes.

Cookies and Analytics

Our website may use cookies and analytics tools to improve user experience and website functionality.

Users may disable cookies through browser settings.

Third-Party Services

Our website may contain links to third-party websites.

Phronoia is not responsible for the privacy practices of third-party websites.

Children's Privacy

Our services are intended for adults and individuals at least 18 years of age unless parental consent is provided.

Your Rights

You may request:

• Access to personal information.
• Correction of inaccurate information.
• Deletion where legally permissible.
• Withdrawal from marketing communications.

Contact

Privacy Officer
Phronoia Global Consulting, LLC
info@phronoia.com
https://phronoia.com