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Terms and Conditions

Welcome to Cressivo, Inc! By accessing this website, purchasing any of our online courses, or subscribing to our weekly Zoom coaching, you agree to these Terms and Conditions. Please read them carefully.

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1. General
This website, Cressivo, Inc, is operated by Michelle Kinney. These terms apply to all users, including those enrolling in our self-paced online course (“Course”) and/or subscribing to our weekly Zoom coaching sessions (“Coaching”).

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2. No Financial Advice
The content provided in our Course and Coaching, including trading strategies, market analysis, and Q&A sessions, is for educational and informational purposes only. It does not constitute financial advice, investment advice, or recommendations to buy or sell any securities or financial products. Michelle Kinney is not a licensed financial advisor. You are solely responsible for your trading decisions and financial outcomes. Consult a qualified financial professional before making investment decisions.

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3. Services

  • Courses: A one-time purchase granting access to self-paced trading lessons. No refunds are offered after purchase.

  • Coaching: A $99/month subscription for 1-hour weekly Zoom sessions during market hours, including live trade analysis and Q&A. Subscription is pay-as-you-go, cancellable anytime via your account or by contacting info@cressivo.com. Payments are non-refunded for partial months.
    We reserve the right to modify or cancel services with reasonable notice.

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4. User Responsibilities

  • You must be 18 or older to purchase or subscribe.

  • Provide accurate payment and account information.

  • Do not share Course access or Zoom links with non-subscribers.

  • Use our services for lawful purposes only.

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5. Intellectual Property
All content (videos, PDFs, Zoom sessions) is owned by Michelle Kinney. You may not copy, distribute, or resell any materials without written permission. Limited personal use is granted to paid users.

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6. Payments

  • Courses: One-time payment, processed securely via Wix Payments/Stripe/PayPal.

  • Coaching: $99/month, auto-renewed until cancelled. Failed payments may suspend access.
    Prices are in USD, subject to change with notice.

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7. Cancellation and Refunds

  • Course: No refunds post-purchase, as digital content is instantly accessible.

  • Coaching: Cancel anytime; no refunds for partial months. To cancel, use your account dashboard or email info@cressivo.com.

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8. Liability Disclaimer
Our services are provided “as is.” Cressivo, Inc and Michelle Kinney are not liable for any losses, damages, or trading outcomes resulting from use of our Courses or Coaching. We do not guarantee profits or specific results. Your use is at your own risk.

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9. Termination
We may suspend or terminate access for violating these terms (e.g., sharing content, non-payment). You may stop using our services anytime.

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10. Governing Law

These Terms are governed by the laws of the State of New York. Any disputes arising from these Terms will be resolved in the courts of New York City, unless applicable law requires otherwise.

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11. Contact
Questions? Email info@cressivo.com or write to Cressivo, Inc, 108 W 39th Street, Suite 1006, New York, NY 10018

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We may update these terms periodically. Check this page for changes. Thank you for choosing Cressivo!

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