Legal
Last updated: February 11, 2026
By accessing or using the Financially Fit Photographers financial planning tool for creative entrepreneurs (the "Service"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, you may not access or use the Service. We reserve the right to modify these Terms at any time, and your continued use of the Service constitutes acceptance of any changes.
Financially Fit Photographers is an educational financial planning tool designed to help wedding photographers and creative professionals develop informed business pricing and personal finance strategies. The Service provides tools for estimating lifestyle costs, business expenses, tax obligations, and resulting pricing recommendations based on the data you provide.
PLEASE READ THIS SECTION CAREFULLY. IT CONTAINS IMPORTANT LIMITATIONS ON THE NATURE OF THE SERVICE.
The Service does not provide financial, tax, legal, or accounting advice. All calculations, estimates, projections, tax figures, and pricing recommendations generated by the Service are for educational and informational purposes only. They are designed to help you think through your business decisions — not to replace professional guidance.
The tax estimates provided by the Service are highly simplified approximations based on publicly available federal and state tax rate information. They do not account for your complete financial situation, including but not limited to: deductions, credits, exemptions, alternative minimum tax, prior-year losses, estimated tax payments, retirement contributions, health insurance deductions, home office deductions, depreciation, or any other factors that a qualified tax professional would consider.
You should always consult with a qualified Certified Public Accountant (CPA), tax advisor, financial planner, or attorney before making any business, financial, or tax decisions. The information provided by this Service should be used as a starting point for conversations with your professional advisors, not as a substitute for their expertise.
Your actual tax obligations, business costs, and financial outcomes may differ significantly from the estimates provided by this Service. Tax laws change frequently, and individual circumstances vary widely. We strongly encourage you to work with a licensed professional who understands your specific situation.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, LUMINANCE AND ITS OWNERS, OPERATORS, AFFILIATES, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:
This limitation applies regardless of the theory of liability, whether based in contract, tort (including negligence), strict liability, or any other legal theory, even if we have been advised of the possibility of such damages.
The Service is provided "as is" and "as available" without any warranties of any kind, either express or implied. We do not guarantee the accuracy, completeness, or reliability of any calculations, estimates, or information provided by the Service. We do not guarantee that the Service will meet your specific requirements, that results will be accurate or reliable, or that the Service will be available without interruption.
By using the Service, you acknowledge and agree that:
The Service, including its design, features, content, and underlying technology, is owned by Financially Fit Photographers and is protected by intellectual property laws. You may not copy, modify, distribute, sell, or lease any part of the Service without our prior written consent.
We reserve the right to suspend or terminate your access to the Service at any time, with or without cause, and with or without notice. Upon termination, your right to use the Service will immediately cease.
You agree to indemnify, defend, and hold harmless Financially Fit Photographers and its owners, operators, affiliates, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with your use of the Service, your violation of these Terms, or your reliance on any information provided by the Service.
These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles. Any disputes arising from these Terms or your use of the Service shall be resolved through binding arbitration in accordance with applicable rules.
If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining provisions of these Terms shall remain in full force and effect.
If you have any questions about these Terms, please contact us through the Service or reach out to our support team.