Last Updated on Dec-4-2025

NOTICE: Please read the Terms & Conditions set forth below, which are legally binding. By visiting, viewing or using this website and/or by using any program, product, course or service from us, you agree to be bound by these Terms & Conditions and our Privacy Policy and Disclaimer.

PLEASE READ THE SECTIONS TITLED “BINDING ARBITRATION” AND “CLASS ACTION WAIVER” AS THEY AFFECT YOUR LEGAL RIGHTS.

Erika Kullberg, which is operated by LLC (“Company”, “we”, “us”, or “our”) provides visitors information on www.erika.com (“website”) subject to the following terms and conditions (“Terms and Conditions”). The term “you” refers to any visitor, viewer or user of the website and/or any user of any free or paid program, product, course or service of the Company (each, a “Product”).

By viewing, visiting or using the website and/or a Product, you indicate your acceptance and agreement to be bound by these Terms and Conditions and our Privacy Policy and Disclaimer, which are hereby incorporated by reference (collectively, this “Agreement”). If you do not accept the terms and conditions of this Agreement, then please do not use the website or any Products. These Terms and Conditions were created with the help of the Terms and Conditions Generator and Terms and Conditions Solutions.
We reserve the right to amend this Agreement at any time without notice to you. We will alert you to any changes by posting the effective date of the latest version at the top of this page, at which point any changes will become immediately effective. It is your responsibility to check for updates, as your continued use of the website or any
Products after this Agreement is amended will constitute your acceptance and agreement to continue to be bound by this Agreement, as amended.

United States AND OVER 18 USE ONLY

The website is intended only for individuals over the age of 18 residing in the United States. We do not make any representations that this website is appropriate or available for use outside of the United States. If you access the website or any of our Products from outside of the United States, you do so at your own risk and on your own initiative. It is solely your responsibility to ensure compliance with applicable laws in your specific jurisdiction.

GUIDELINES FOR USE

We have established certain guidelines in our Terms & Conditions to keep our community safe (“Guidelines”). By visiting or using the website or any Product, you agree to abide by these Guidelines, which are as follows: 

  • You will comply with all applicable law;
  • You will not send, email, or otherwise make available any information or content which in any way infringes any copyright, trade secret, trademark, right of publicity, privacy, property or other intellectual property or proprietary rights, or any information or content which you do not have the right to make available, through any law, contractual or fiduciary relationship or otherwise;
  • You will not act in any way that is fraudulent, false, misleading, deceitful or deceptive, such as by impersonating another individual or falsifying your association with an individual or entity;
  • You will not send, email, or otherwise make available any material or behave in any manner which could be perceived as harassing, demeaning, threatening, “stalking”, defamatory, sexually explicit, abusive, vulgar, hate speech, obscene, indecent or otherwise objectionable;
  • You will not send, email, or otherwise make available any material which would reveal the personal information of another individual;
  • You will not behave in any manner which could limit or otherwise impact any other person’s use or enjoyment of the website and/or any Product;
  • You will not engage in any unsolicited or unauthorized advertising nor will you send any spam;
  • You will not engage in or encourage others to engage in any activity which would violate any law, constitute a criminal offense, give rise to civil liability, or infringe on the rights of any third party;
  • You will not send any materials which contain viruses, devices, information collection or transmission mechanisms, trojan horses, worms, time-bombs, adware, keystroke loggers or any other programs or code which would be harmful to, interfere with or attempt to interfere with our systems;
  • You will not engage in market research or any research intended to help a competitor;
  • You will not deploy any automated query program, such as a bot or spider, at any time or for any purpose without our express written consent;
  • You will not block or cover any advertisements on the website;
  • With the exception of any personal information you share (which is covered under our Privacy Policy), once you send, email, or otherwise make available any material, we have the right to display, repurpose or otherwise use such material in any way; and
  • You will notify us through the contact information provided below if you know or have reason to know that a violation of any of our Guidelines has occurred.
We reserve the right to deny you access to the website and any Products in our sole discretion at any time and for any reason.

INTELLECTUAL PROPERTY

The website and its content and all Products, including but not limited to videos, coursework, training modules, photographs, sound recordings, images, digital content, material available as a free download, software, text, graphics and other material, are owned or licensed by the Company and are protected by copyright, trademarks (whether registered or unregistered), design rights, database rights and all other intellectual property rights afforded to us (“Intellectual Property”).
While you may view and have access to our Intellectual Property for your own personal and non-commercial use, you agree to abide by the following:
  • Our Intellectual Property must be kept intact with the proper copyright and other intellectual property notices; and
  • You may not reproduce, resell, distribute, publicly perform, create derivative works, translate, transmit, post, republish, exploit, copy or otherwise use our Intellectual Property for any commercial or non-personal use, unless you have received explicit written consent from us to do so.
It is in our sole discretion to give written consent for you to reproduce, resell, distribute, publicly perform, create derivative works, translate, transmit, post, republish, copy or otherwise use our Intellectual Property. If you have any questions, please contact us using the contact information provided below.

NO WARRANTIES

Your use of this website and any Products is entirely at your risk, as the website and our Products are provided on an “as is” and “as available” basis. We do not make any express or implied warranties or representations relating to the website, its content and our Products, including but not limited to warranties of title, merchantability, fitness for a particular purpose and non-infringement of third parties’ rights. We also do not make any express or implied warranties or representations that the website will operate without error or that the website, the servers relied on, our Products and any content is free from computer viruses or other potentially harmful or destructive features. Some jurisdictions do not permit the exclusion of certain warranties. As such, some of the exclusions referenced in this section may not apply to you.

LIMITATION OF LIABILITY

To the fullest extent permissible by law, the Company and our directors, contractors, successors, joint venture partners, shareholders, agents, affiliates, officers, employees, assignees and licensees, as applicable, shall not be liable for any direct, indirect, special, incidental, consequential, exemplary or other loss or damage, including but not limited to damages for loss of profits, goodwill, business interruption, use or loss of data or other intangible losses, which may directly or indirectly arise out of or be related to your use of or inability to access this website or any Products or your reliance on any advice, opinion, information, representation or omission contained on, or received through this website or any Products, even if we have been advised of the possibility of such damages occurring.
This limitation of liability applies whether such liability arises from tort, negligence, breach of contract or any other legal theory of liability.

INDEMNIFICATION

You shall indemnify, defend and hold harmless the Company and our affiliates, and our respective directors, contractors, successors, joint venture partners, shareholders, agents, affiliates, officers, employees, assignees and licensees from and against any and all damages, liabilities, losses, costs and expenses resulting from any suits, proceedings, judgments, demands, causes of action and claims (collectively, the “Claims”), including legal and accounting fees and expenses, whether or not involving a third party claim, to the extent arising out of, relating to or resulting from: (i) your use or misuse of this website or any of our Products, (ii) your breach of this Agreement, or (iii) your violation of any third party rights, including without limitation any copyright, trade secret, trademark, right of publicity, privacy, property or other intellectual property or proprietary rights. We will provide you with notice of any Claims, and may in our sole discretion assist you, at your expense, in defending such Claims. We reserve the right to assume exclusive control of defending any such Claim, at your expense, including choice of legal counsel. You agree to cooperate and assist us in defending any such Claim.

LIMITED LICENSE

Notwithstanding any other provisions in this Agreement, if you purchase any Products or download any of our free Products, we grant you a limited, non-sublicensable, non-transferable, non-exclusive, revocable license (“License”) to use or access the Products for your personal and non-commercial use. You may not reproduce, resell, distribute, create derivative works, translate, transmit, post, republish, exploit, copy or otherwise use our Products for any commercial or non-personal use.
Your License is for individual use. You have no right to assign any of your rights or transfer any of your obligations under this Agreement. If we discover that any violation of the terms and conditions in this Agreement has occurred, including violation of the License granted to you, we reserve the right to terminate your access to the Products and invoice you for any damages.

CONFIDENTIAL INFORMATION

Please do not send, email, or otherwise make available any material that contains any confidential information. 

FEES

When you purchase any Product through this website, you are responsible for all applicable fees and taxes. It is your responsibility to provide complete, accurate and up to-date billing and credit card information. If you are on a payment plan or recurring payment, it is your responsibility to keep an up-to-date payment method with us. If your payment method is declined or expired, you hereby agree to pay all applicable fees and taxes due upon demand. You also agree to pay all costs of collection, including but not limited to attorney’s fees, on any outstanding balance.

WEBSITE AVAILABILITY

Your access to the website or Products may occasionally be restricted, such as when we need to make repairs or are introducing new features. Your access to the website or Products may also become permanently disabled, such as if we decide to terminate the operation of the website or Products. We cannot guarantee that you will have continuous access to the website or Products.

REFUND POLICY

We reserve the right to change our refund policy at any time.

Mastering YouTube for the Busy Professional – If you are not satisfied with a Product, please contact us within 14 days of your purchase and we will gladly issue you a full refund.

Any discount codes or coupons for the Mastering YouTube for the Busy Professional program are only applicable to single-payment options, and not split-payment options. 

3D Money – If you are not satisfied with a Product, please contact us within 30 days of your purchase and we will gladly issue you a full refund. 

Erika Kullberg Insiders Monthly Subscription – If you are not satisfied with a Product, please contact us within 30 days from the start of your subscription and we will gladly cancel your membership. Alternatively, you can cancel yourself anytime by following the instructions here. 

Once you cancel your subscription, your access will be immediately removed from the Circle EKI Community Dashboard and any other benefits we provide exclusive to Erika Kullberg Insiders. You will lose membership for the remainder of the month. We do not offer refunds for the monthly subscription.

Erika Kullberg Insiders Annual Subscription – If you are not satisfied with a Product, please contact us within 30 days from the start of your subscription and we will gladly honor our 30-Day Money Back Guarantee by issuing a full refund and canceling your membership. Alternatively, you can cancel yourself anytime by following the instructions here.

Once you cancel your subscription, you will keep access to Erika Kullberg Insiders for the remainder of your annual subscription. You will be removed from the EKI Circle Community Dashboard, and any other benefits we provide exclusive to Erika Kullberg Insiders at the end of your annual subscription period.

Upon annual rebill of your annual subscription, you have 3 days from the date of rebill to request a refund of that charge. Otherwise, you can cancel your annual subscription anytime. 

Erika Kullberg Insiders Travel Live BONUS Training Session October 2024 – If you are not satisfied with a Product, please contact us within 14 days from the date of purchase and we will gladly follow our 14-Day Money Back Guarantee by issuing a full refund.

Canceling your EKI Community Dashboard account on Podia or leaving the Facebook Group does not cancel your annual subscription payments.

Done-For-You Dream Trip Planning Package – 

Because the Done-For-You Dream Trip Planning Package is a personalized, done-for-you service, we reserve dedicated time from our travel experts immediately upon purchase. For this reason, all sales are final once your intake form has been submitted.

You may request a refund only if all of the following conditions are met:

  1. You have not completed or submitted the intake form, and

  2. You request the refund within 14 days of the original purchase date.

If both conditions are satisfied, you may contact [email protected] within 14 days to request a refund. Refunds will not be granted for any reason after the intake form has been submitted, or after the 14-day refund window has passed, regardless of payment plan.

First Class Travel Secrets – 

If you are not satisfied with First Class Travel Secrets, and if you bought the product on or after September 13, 2025, please contact [email protected] within 90 days from the date of purchase of First Class Travel Secrets, regardless of which payment plan you choose.

You’ll receive a short refund request form where you can share:

    • The progress you’ve made in the course
    • Which trips you planned/are planning, and how many points were required
    • The cards you applied for/used
    • The timeframe you gave yourself to collect the points

If you’ve gotten at least one of the key cards we recommend, earned points to fund your trip, and followed the system by completing at least 80% of the program and implementing it, but still didn’t see a savings benefit compared to booking at the regular price, we’ll issue a full refund.

If an upcoming split-payment intent fails, no refund for the first payment shall be given. We are unable to delay or cancel upcoming payments under any circumstances. The 90-day refund guarantee applies from the first day of your first split payment.

Please note: Refunds cannot be given for reasons unrelated to course performance, such as:

  • Deciding you don’t want to open a new card.
  • Skipping the credit score lessons in Module 1 to improve your credit score, and requesting a refund due to a current low credit score.
  • Only giving yourself a short window (ex: 1 month) to fund a specific trip with points.
  • Your preferred flights for a trip being unavailable for your preferred travel dates. 
  • Buying the program to review the material with no intention of implementing.
  • Changing or canceling your upcoming travel plans. 
  • Requesting a refund due to the material being too basic without completing the more advanced modules (Module 6 – The 7-Step Points Plan, Module 7–9 – Redemption & Transfer Strategies, Bonus Modules) and applying these learnings.


This way, our guarantee protects serious action-takers who are committed to using the strategies to travel for pennies on the dollar.

If you are not satisfied with First Class Travel Secrets, and if you bought the product after March 3, 2025 and did not join the Sep 13, 2025 Live Travel Secrets Workshop, please contact us within 30 days from the date of purchase of the First Class Travel Secrets and/or the Ultimate Points Travel Bonus Bundle. We ask that you first prove you have made an honest effort to go through the program, at least 80% of the modules. We will then gladly follow our 30-Day Money Back Guarantee by issuing a full refund. If an upcoming split-payment intent fails, no refund for the first payment shall be given. We are unable to delay or cancel upcoming payments under any circumstances. The 30-day refund guarantee applies from the first day of your first split payment.

If you are not satisfied with a Product, and if you bought the product after January 27, 2025, please contact us within 30 days from the date of purchase of the First Class Travel Secrets and/or the Ultimate Points Travel Bonus Bundle. We ask that you first prove you have made an honest effort to go through the program, at least 80% of the modules. We will then gladly follow our 30-Day Money Back Guarantee by issuing a full refund. If an upcoming payment intent fails, no refund for the first payment shall be given. We are unable to delay or cancel upcoming payments under any circumstances. The 30-day refund guarantee applies from the first day of your first split payment.

If you are not satisfied with a Product, and if you bought the product between November 2024 – Jan 27, 2025, please contact us within 180 days from the date of purchase We ask that you first prove you have made an honest effort to go through the program, at least 80% of the modules. We will then gladly follow our 180-Day Money Back Guarantee by issuing a full refund. If an upcoming payment intent fails, no refund for the first payment shall be given. We are unable to delay or cancel upcoming payments under any circumstances. The 180-day refund guarantee applies from the first day of your first split payment.

If you are not satisfied with a Product, and if you bought the product before November 2024, please contact us within 14 days from the date of purchase. We ask that you first prove you have made an honest effort to go through the program, at least 80% of the modules. We will then gladly follow our 14-Day Money Back Guarantee by issuing a full refund. If an upcoming payment intent fails, no refund for the first payment shall be given. We are unable to delay or cancel upcoming payments under any circumstances. The 14-day refund guarantee applies from the first day of your first split payment. 

Please note that the refund policy for the First Class Travel Secrets depends upon the date the program was purchased, according to specific sale campaigns. If, after meeting the eligibility requirements and reaching out within 90 days of your purchase, you still find that the program isn’t the right fit for you, we’re happy to honor our guarantee and issue a full refund.

 

Erika's Magic Budgeting System – There are no refunds for the $17 Magic Budgeting System, or for the $37 Budgeting Community.

Million Dollar Investor – The “Million Dollar Investor” operates under the Risk-Free Guarantee Terms & Conditions. After the program has ended, if you did not feel 100% satisfied with the program, then from the day the program has concluded, you will have 14 days to claim our risk-free guarantee and we’ll refund your entire payment. Please note that refunds will not be issued before the program has started or during the program, as the risk-free guarantee only applies if you do the work.

You will need to show us completed action items from each week as proof of your commitment.

 
Action items:
1. A screenshot of your program dashboard showing that you have watched all of the video lessons inside the program.
2. Screenshots showing that you have funded your Webull account and that you have created a core investment portfolio (or equivalent account if Webull is not available in your country/ was not your account choice)
3. A screenshot of each live Q&A session that you attended (either Foundations or Advanced), or screenshots of the replay videos you watched if you could not attend the live sessions.
4. Screenshots or copies of all 8 completed Million Dollar Investor Workbooks completely properly and fully.

Non-refundable circumstances:

In addition to the above, refunds will not be issued for the Million Dollar Investor course in cases including, but not limited to, the following situations:

1. The student has not completed the program within the 4-week timeframe.
2. The student has not sufficiently completed the workbooks.
3. The student has not had time to start the program.
4. The student was not in their country of residence at the time of the program.
5. The student no longer wants to complete the program.

For the split payment option, if you cancel upcoming payments or an upcoming payment intent fails, no refund for the first payment shall be given, and access to the program and the private Community and Live Events will be immediately revoked. We are unable to delay or cancel upcoming payments under any circumstances.

If you have purchased the Million Dollar Investor with 12 months of access to the Community and Live Events, access will be revoked after the 12 month period ends, unless extended. 

Million Dollar Investor Coaching Program 

The Million Dollar Investor Coaching Program is non-refundable. You will have lifetime access to sessions that you have attended via a replay link sent to your email. You can cancel your subscription at any time by following the instructions here. 

“Refer A Friend” Referral Program Reward and Refund Conditions 

The policy outlined below ensures fairness for all students and prevents misuse of the referral program.

Referral rewards (including Amazon e-gift cards) are issued only after the referred friend has successfully enrolled in the program.

Any refund requests must follow the official refund policy (outlined above) and may only be submitted during the 14-day risk-free guarantee window following program completion, provided all refund eligibility criteria are met.

Four Day Investing Challenge VIP – November 2025 

The Four Day Investing Challenge VIP and bonus live session “How To Unlock an Extra $500 A Month In 10 Minutes or Less” are both non-refundable. All sales are final. 

SMS and Text Message Marketing Terms of Service

By opting into our SMS and text message marketing program, you agree to abide by the following terms and conditions. Please read this section carefully before providing your consent to receive marketing messages via SMS.

Opt-In and Consent
By providing your mobile phone number and opting into our SMS and text message marketing program, you expressly consent to receive promotional messages, alerts, and other marketing communications from [Your Company Name]. You also confirm that you are the account holder or have the account holder's permission to enroll in this service. Standard message and data rates may apply.

Frequency of Messages
You agree to receive SMS and text message marketing communications from [Your Company Name] periodically. The frequency of messages may vary based on your interaction with our platform and your preferences. You can opt-out of these messages at any time by following the instructions provided in the messages.

Opt-Out and Unsubscribe
To stop receiving SMS and text message marketing communications, you can unsubscribe by replying “STOP” to any marketing message you receive from us. After opting out, you will no longer receive marketing messages via SMS, but you may continue to receive non-promotional messages related to your account or transactions.

Data and Privacy
We value your privacy and will handle your personal information in accordance with our Privacy Policy. By enrolling in our SMS and text message marketing program, you acknowledge and agree that your mobile phone number and other provided data may be used to deliver marketing messages, offers, and promotions. We will not share your information with third parties for marketing purposes without your explicit consent.

Message Content
The content of our SMS and text message marketing communications may include but is not limited to promotions, discounts, product updates, event information, and other relevant marketing material related to our products and services.

Support and Assistance
For any questions, concerns, or assistance related to our SMS and text message marketing program, you can contact our customer support team at [Your customer support contact details].

Changes to the Terms
We reserve the right to modify or update these SMS and text message marketing terms without prior notice. Any changes will be effective immediately upon posting the updated terms on our website or sending them to you via SMS. Your continued participation in the program after any modifications constitutes your acceptance of the revised terms.

By enrolling in our SMS and text message marketing program, you acknowledge that you have read, understood, and agree to these terms. If you do not agree to these terms, please do not opt into our SMS marketing program.

GOVERNING LAW

All matters relating to or arising out of this Agreement shall be governed by and construed and interpreted under the laws of the state of Wyoming, United States of America, without regard to conflicts of laws principles that would require the application of any other law.

BINDING ARBITRATION

In the event that either party asserts that there is a dispute arising out of or relating to this Agreement, such party shall first notify the other party in writing, specifying the nature of the dispute and scheduling a meeting to attempt to resolve the dispute.

If no resolution is reached within thirty (30) calendar days of the delivery of the written notice, either party may then elect to exclusively and finally resolve the dispute by binding arbitration by filing a written notice of arbitration in accordance with this section under the subheading “Binding Arbitration” and the Rules of Conciliation and Arbitration of the International Chamber of Commerce applicable at the time of submission of the dispute to arbitration (the “ICC Rules”).

Notwithstanding anything to the contrary in the ICC Rules, the following terms and conditions shall apply.
The arbitration shall be conducted by a panel of three (3) arbitrators. Each party shall have the right to appoint one (1) arbitrator within fifteen (15) days following the delivery of the written notice of arbitration, and a third arbitrator shall be selected by those two (2) party-appointed arbitrators within thirty (30) days of the appointment of the two (2) party-appointed arbitrators.
The arbitration proceedings shall be held in Sheridan, Wyoming, United States of America in the English language.
The parties shall equally bear the costs and fees of the arbitration, and each party shall bear its own cost for its own legal expenses. The arbitrators shall apply the substantive law set forth in the section of this Agreement under the subheading “Governing Law”. Any arbitration proceeding shall be conducted on a confidential basis.
The arbitrators shall specify the reason and basis for their decision, the reason for any damages awarded and the breakdown for such damages awarded, and the basis for any other remedy authorized under this Agreement, including but not limited to injunctive relief or specific performance. For the avoidance of doubt, nothing in this Agreement shall prevent us from seeking injunctive or other equitable relief.
The decision of the arbitrators shall be considered as a final and binding resolution of the dispute, shall be final and binding on the parties, and shall not be subject to appeal or reexamination. The award of the arbitrators may be entered as a judgment and enforced by any court of competent jurisdiction.
TO THE EXTENT PERMITTED BY APPLICABLE LAW, YOU AGREE TO WAIVE YOUR RIGHT TO TRIAL BY JURY IN ANY PROCEEDINGS, ACTION OR COUNTERCLAIM.

INJUNCTIVE OR OTHER EQUITABLE RELIEF

We may seek injunctive or other equitable relief that is necessary to protect our rights and intellectual property. All actions or proceedings related to this Agreement that are not subject to binding arbitration will be brought solely in the state or federal courts of the State of Wyoming, United States of America. You hereby unconditionally and irrevocably consent to the personal and subject matter jurisdiction of those courts for purposes of any such action.

CLASS ACTION WAIVER

You agree that any dispute arising out of or relating to this Agreement shall be solely between you and the Company.
YOU AGREE TO WAIVE THE RIGHT TO LITIGATE IN COURT OR ARBITRATE ANY CLAIM OR DISPUTE AS A CLASS ACTION. YOU AGREE THAT YOU WILL ONLY MAKE CLAIMS AGAINST US IN YOUR INDIVIDUAL CAPACITY, AND CANNOT MAKE CLAIMS AGAINST US AS A MEMBER OF A CLASS OR AS A REPRESENTATIVE.

ENTIRE AGREEMENT

This Agreement, the Privacy Policy and Disclaimer contain the entire agreement between you and the Company with respect to the subject matter hereof and thereof and supersede all prior agreements and undertakings, both written and oral, with respect thereto.

TERMINATION OF AGREEMENT

We reserve the right, in our sole discretion, to terminate this Agreement and to terminate, restrict, deny, or suspend your access to the website and all Products at any time and for any purpose without prior notice. We also reserve the right to discontinue any or all of the website or Products at any time and for any purpose without prior notice.

SEVERABILITY

If any term or other provision of this Agreement is held to be invalid, prohibited or unenforceable under applicable law, the other provisions of this Agreement will remain in full force and effect.

MISCELLANEOUS

Our failure to act on or delay in exercising any privilege, power or right under this Agreement will not operate as a waiver of such privilege, power or right, and no single or partial exercise of any such privilege, power or right will preclude any other or further exercise of such privilege, power or right or the exercise of any other privilege, power or right.
Subheadings in this Agreement are used for convenience of reference only and in no way define, describe, limit or extend the scope of this Agreement or the intent of any of its provisions. They shall not be considered in construing or interpreting this Agreement.
The terms and conditions of this Agreement shall inure to the benefit of and be binding upon the successors, heirs, executors, administrators, legal representatives and assigns of the Company. Nothing in this Agreement, express or implied, is intended to confer upon any party other than the Company or our successors, heirs, executors, administrators, legal representatives and assigns, any rights, remedies, obligations or liabilities under this Agreement. You may not assign any of your rights or transfer any obligations under this Agreement to any other person.
If any action at law or in equity is necessary to enforce or interpret the terms of this Agreement, the prevailing party shall be entitled to reasonable attorneys’ fees, costs and disbursements in addition to any other relief to which such party may be entitled.

HOW TO CONTACT US

If you have any questions, please contact us using the information below. By email: [email protected]

Disclaimer

Last Updated on 29-January-2024

NOTICE: Please read the Disclaimer set forth below, which is legally binding. By visiting, viewing or using this website and/or by using any program, product, course or service from us, you agree to be bound by this Disclaimer and our Privacy Policy and Terms and Conditions.
Erika Kullberg, which is operated by LLC (“Company”, “we”, “us”, or “our”) provides visitors information on www.erikakullberg.com (“website”) as a public service, subject to the following terms and conditions (“Disclaimer”). The term “you” refers to any visitor, viewer or user of the website and/or any user of any free or paid program, product, course or service of the Company (each, a “Product”).

GENERAL DISCLAIMER

The content on this website is provided to you “as is” and is intended to serve as general information. While we strive to provide you with quality content, we give no representation or warranty that the content is accurate, complete, updated, timely, relevant or free from typographical, technical, informational or pricing errors and omissions, whether negligent or otherwise. By using this website or any Products, you agree and acknowledge that your use of this website and use of any Products is solely at your own risk. This Disclaimer was created with the help of the Disclaimer Generator and Disclaimer Solutions.

NOT PROFESSIONAL ADVICE

This website does not contain professional advice, nor is any professional-client relationship established with you through your use of this website. Any information found on or derived from this website should not be a substitute for and cannot be relied on as any legal, tax, real estate, medical, financial, risk management, marital or other professional advice. If you require any such advice, please consult with a licensed or knowledgeable professional in that area before taking any action.

YOUR RESPONSIBILITY

It is your responsibility to take all necessary steps to independently verify and ascertain that any information you choose to rely on from, access through or take action based upon this website or our Products is accurate, as we are not responsible for your use of the information obtained from or accessed through this website or our Products. Any views expressed on this website are solely the personal views of the author and do not necessarily reflect the views of the Company.

EARNINGS DISCLAIMER

While we may, on this website, through any of our Products or in our communications, reference certain results or outcomes, you agree and acknowledge that information about these results or outcomes are received from third parties and we have no control over the accuracy of such statements, nor is there any guarantee that you can achieve the same results or outcomes. You agree and acknowledge that these results are not guaranteed or typical in any way and that individual outcomes may vary. Please do not rely on these results or outcomes in using the website or purchasing any Products.

THIRD PARTY LINKS

Our website may contain links to third party websites, for example, through hyperlinks we provide or through banners or advertisements, solely as a convenience to you. However, we are not responsible for any content found on or accessed through any links to third party websites. Any links to third party websites we provide do not serve as endorsements by us for the third party website or any of the products or services you may find on such website. We have no control over third parties and assume no responsibility for any third party websites or any of the products or services you may find on such websites, even if you access a third party website through a link on this website. If you choose to access a third party website, it is solely at your own risk.

TESTIMONIALS DISCLAIMER

This website may contain testimonials by users of our Products. Each testimonial reflects solely the personal view, opinion or experience of the individual providing the testimonial and does not reflect our views or opinions. You should not rely on any testimonial as indicative of a certain result or outcome. We do not claim, nor should you assume that your use of our Products will lead to the same result or outcome. We also do not independently verify, nor can we guarantee the accuracy of any information provided in such testimonials.
Except for correcting spelling and grammatical errors, each testimonial appears verbatim as we have received it. We do not pay or provide any form of compensation to individuals for providing testimonials.

AFFILIATE DISCLAIMER

This website may contain links to affiliate websites. When you click on and/or make a purchase through an affiliate link placed on our website, we may receive a small commission or other form of compensation at no additional cost to you. Please assume that any links contained on our website are affiliate links. Our use of affiliate links does not influence the products, services and websites that we share with you. This Disclaimer applies to all of the various means we use to communicate with you, including via this website, email, phone, social media, our Products or otherwise.

AMAZON AFFILIATE DISCLAIMER

We are a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for us to earn fees by linking to Amazon.com and affiliated sites. When you click on and/or make a purchase through a link to an Amazon affiliate link placed on our website, we may receive a small commission at no additional cost to you.

FAIR USE DISCLAIMER

We may use copyrighted material on our website without specific authorization. In these instances, we do so because we believe such use constitutes fair use of any such copyrighted material under Section 107 of the United States copyright law.

CHANGES TO THE DISCLAIMER

We reserve the right to amend this Disclaimer at any time without notice to you. We will alert you to any changes by posting the effective date of the latest version at the top of this page, at which point any changes will become immediately effective. It is your responsibility to check for updates, as your continued use of the website and our Products after this Disclaimer is amended will constitute your acceptance and agreement to continue to be bound by this Disclaimer, as amended.

HOW TO CONTACT US

If you have any questions about these Terms & Conditions, please contact us using the information below. By email: [email protected]

Advertiser Disclosure

Our aim is to help you make financial decisions with confidence through our objective article content and reviews. Erika.com is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as MileValue.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.