Terms of Use

Last updated: November 12, 2026

These Terms of Use apply to navlight.net and everything on it: articles, pages, free tools, calculators, worksheets and other downloads. By using the site, or by downloading or using any of our tools, you agree to these terms. If you don't agree, please don't use the site.

1. Education, not professional advice

Everything on this site is for general education and information only. NavLight Financial Coaching is not a registered investment adviser, broker-dealer, certified public accountant, attorney or insurance agent, and nothing here is individual financial, investment, tax, legal or insurance advice. Nothing on this site is a recommendation to buy or sell any security or financial product.

Reading our articles, using our tools or contacting us does not create an adviser-client, fiduciary, attorney-client or accountant-client relationship. Your situation is unique. Before you make important financial, tax or legal decisions, talk with a qualified professional who knows your full circumstances. You are responsible for your own decisions and their results.

2. Free tools, calculators and downloads

Our calculators, worksheets, templates and other tools are provided free as a convenience. Their results are estimates based on the numbers you enter and on assumptions (such as interest rates, inflation and investment returns) that may not match what actually happens. They are not predictions or guarantees, and they may contain errors. Please double-check anything important with a professional.

When you download a tool, you may use it for your own personal and household planning, and you may print or save copies for that purpose. You may not sell, resell, repackage or publicly redistribute our tools or present them as your own. If you'd like to share a tool with someone, please share the link to its page on our site instead.

3. Coaching services

Financial coaching is educational. It helps you understand your options, build a plan and stay on track, but it does not include investment recommendations, tax preparation or legal services. Paid coaching is governed by a separate coaching agreement that you'll receive before you begin, and that agreement controls if it differs from these terms.

4. Our faith and values

Our content is shaped by Christian faith and traditional American values, and some articles include Scripture. We share these as our perspective and as encouragement. You're welcome here whatever your beliefs, and you don't need to share ours to use the site or work with us.

5. Accounts

If you create an account, keep your password private and let us know right away if you think someone else has used it. You're responsible for activity under your account. We may suspend or close accounts that are misused.

6. Our content

The articles, tools, graphics and logo on this site are owned by NavLight Financial Coaching and protected by copyright and trademark law. You're welcome to quote a short excerpt with credit and a link back to the original article. Please don't copy whole articles or republish our content without written permission.

7. Links, affiliates and other websites

We sometimes link to other websites, and some links may be affiliate links. See our Disclosures page for how that works. We don't control other websites and aren't responsible for their content, products, services or privacy practices.

8. Using the site responsibly

Please don't attempt to break into, overload or disrupt the site, scrape it in bulk, or use it for anything unlawful.

9. No warranties

We work to keep our information accurate and current, but laws, rates, limits and products change, and mistakes happen. The site and everything on it is provided "as is" and "as available," without warranties of any kind, express or implied, including warranties of accuracy, completeness, fitness for a particular purpose and non-infringement.

10. Limitation of liability

To the fullest extent allowed by law, NavLight Financial Coaching and its owners will not be liable for any loss or damage of any kind arising from your use of this site, its content or its tools, or from decisions you make based on them, including financial losses, lost profits, and indirect, incidental or consequential damages. If any liability can't be excluded, it is limited to the amount you paid us, if anything, in the twelve months before the claim. Some states don't allow certain limitations, so some of these may not apply to you.

11. Indemnity

If your misuse of the site or violation of these terms leads to a claim against us, you agree to cover the reasonable costs of that claim.

12. Changes

We may update these terms from time to time. The date at the top shows when they last changed. Continuing to use the site after a change means you accept the updated terms.

13. Governing law

These terms are governed by the laws of the State of Michigan, without regard to its conflict-of-law rules. Any dispute will be handled in the state or federal courts located in Michigan.

14. Questions

Questions about these terms? Email us at the address shown at the bottom of every page.