Disclaimer

Effective Date: September 4, 2026

FinancialMentalHealth.com provides financial education, financial coaching, AI-assisted financial review services, and access to separately provided counseling services. The information and services available through this website are intended to help individuals better understand their financial situation, financial habits, goals, and the relationship between money and personal well-being.

Financial Education and Coaching

Financial information provided through FinancialMentalHealth.com, including information provided through the Financial Mental Health Checkup, Financial Plan Review, financial coaching sessions, website content, and other educational materials, is provided for educational and informational purposes.

FinancialMentalHealth.com does not provide investment management, securities trading, individualized investment advice, legal advice, accounting services, or tax advice.

Financial decisions involve individual circumstances and risks. You are responsible for evaluating recommendations and determining whether they are appropriate for your circumstances. When appropriate, you should consult a qualified financial adviser, investment professional, attorney, accountant, tax professional, or other licensed professional before making significant financial decisions.

AI-Assisted Information

FinancialMentalHealth.com may use artificial intelligence tools to assist with reviewing information, identifying patterns, organizing observations, developing educational recommendations, and preparing Financial Plan Reviews.

Artificial intelligence systems can make mistakes, misunderstand information, produce incomplete results, or generate inaccurate conclusions. AI-generated information should therefore be reviewed critically and should not be relied upon as the sole basis for significant financial, legal, tax, investment, healthcare, or other important decisions.

The use of AI tools through or in connection with FinancialMentalHealth.com does not create a professional financial advisory, legal, accounting, tax, investment, or healthcare relationship.

Financial Mental Health Checkup

The Financial Mental Health Checkup is an educational self-assessment intended to help users think about their financial circumstances and their relationship with money.

The Checkup and its scores are not diagnostic tools and do not constitute a financial evaluation, psychological assessment, medical diagnosis, or mental-health diagnosis. Results should not be interpreted as determining whether a person has a particular financial, psychological, or medical condition.

Financial Plan Review

The Financial Plan Review is an educational and coaching service based on information voluntarily provided by the customer. It is intended to identify issues for consideration, possible opportunities, financial habits, priorities, and potential next steps.

A Financial Plan Review is not a comprehensive financial plan prepared by a registered investment adviser, certified financial planner, attorney, accountant, tax professional, or other regulated financial professional unless expressly stated otherwise.

Counseling Services

Counseling services offered through FinancialMentalHealth.com are provided separately by Erin Dale, LCSW, a California Licensed Clinical Social Worker, and are subject to applicable professional standards, licensing requirements, informed-consent procedures, and California law.

Counseling services are available to eligible California residents only.

Purchasing, requesting, or inquiring about counseling through this website does not by itself establish a therapist-client relationship. A professional counseling relationship begins only after applicable intake, consent, eligibility, and other professional requirements have been completed and accepted.

No Guarantee of Results

Financial and personal outcomes depend on many factors outside the control of FinancialMentalHealth.com. We do not guarantee particular financial results, improvements in financial circumstances, investment performance, debt reduction, increased savings, improved well-being, or any other particular outcome from using this website or purchasing a service.

Third-Party Services

FinancialMentalHealth.com may reference or link to third-party websites, products, services, financial institutions, payment processors, AI services, or other resources. A reference or link does not necessarily constitute an endorsement.

We are not responsible for the accuracy, availability, security, privacy practices, products, services, or content of third parties.

Emergency and Crisis Situations

FinancialMentalHealth.com is not an emergency or crisis service. Website forms, email, financial coaching services, and AI-assisted services should not be used to seek emergency medical or mental-health assistance.

If you believe you or another person is in immediate danger or experiencing an emergency, contact 911 or an appropriate local emergency service. For mental-health or suicide crisis support in the United States, call or text 988.

Changes to This Disclaimer

We may update this Disclaimer from time to time. The effective date shown at the top of this page indicates when it was last revised.

Contact

Questions about this Disclaimer or FinancialMentalHealth.com may be directed to:

FinancialMentalHealth.com
Email: jim@financialmentalhealth.com