Terms of Use & Privacy Policy

PART ONE — TERMS OF USE

 

1. Who We Are
 

From the Floor is a financial education brand operated by an individual content creator ("we", "us", "our"). The brand publishes educational content about investing, personal finance, and financial markets across multiple channels including the website fromthefloor.co, Substack newsletter, TikTok, Instagram, and other platforms. All products and services offered, including the 30 Day Investment Foundations Challenge and Clarity Call sessions, are strictly educational in nature.

By accessing or using any part of From the Floor — including the website, newsletter, digital products, or 1-on-1 sessions — you agree to these Terms of Use. If you do not agree, please do not use our content or services.
 

2. Educational Purpose Only — Not Financial Advice
 

This is the most important clause in this document. Please read it carefully.  All content published by From the Floor — including but not limited to website articles, Substack newsletters and notes, TikTok and Instagram posts, YouTube videos, digital products, email communications, and 1-on-1 sessions — is provided for general educational and informational purposes only.

Nothing on From the Floor constitutes, or should be construed as:

   •  Financial, investment, tax, legal, or accounting advice;

   •  A recommendation to buy, sell, or hold any financial instrument, security, fund, or asset;

   •  A solicitation or offer to engage in any financial transaction;

   •  A guarantee of any particular financial outcome or return;

   •  A substitute for professional regulated financial advice.

From the Floor is not a regulated financial adviser, broker, dealer, investment company, or financial institution. They do not constitute professional advice, nor do they create any advisory, fiduciary, or professional relationship between us and any user.

All financial decisions you make are your own. You should always consult a qualified, regulated financial adviser before making any investment or financial decisions. We accept no responsibility for any loss, damage, or consequence arising from reliance on our content.
 

3. No Professional Relationship
 

Use of this website, participation in any digital product, or attendance at a 1-on-1 session does not create a client relationship, advisory relationship, fiduciary duty, or any other professional relationship between you and From the Floor.

Clarity Call sessions are educational conversations only. Nothing discussed during a session constitutes regulated financial advice. We do not provide personalised investment recommendations. Any frameworks, ideas, or information shared are for educational purposes and general illustration only.
 

4. Accuracy of Information
 

We make reasonable efforts to ensure the accuracy of the information we publish. However, financial markets move quickly and information can become outdated rapidly. We do not guarantee the accuracy, completeness, timeliness, or suitability of any content for any particular purpose.

Market data, prices, yields, and other figures referenced in our content are illustrative and may not reflect current conditions. Always verify data through official sources before making any decisions.
 

5. Use of Artificial Intelligence
 

From the Floor may use artificial intelligence tools — including but not limited to large language models, AI writing assistants, and AI image generation tools — to assist in the creation, drafting, editing, research, or formatting of content. This includes written content such as newsletter articles, social media posts, website copy, and digital product materials.

Where AI tools are used, a human author reviews, edits, and takes editorial responsibility for the final content. AI is used as a tool to assist the creative process, not to replace human judgment or professional knowledge.

You acknowledge that AI-assisted content may occasionally contain errors, inaccuracies, or outdated information. You should verify any important information independently before relying on it.
 

6. Use of Visual Inspiration Sources
 

From the Floor may draw visual inspiration from platforms including but not limited to Pinterest, Instagram, and other publicly available creative platforms. Visual inspiration is used to inform the aesthetic direction of branding, design, and content presentation only.

We do not reproduce, copy, or claim ownership of third-party images or creative works. Any original visual content created for From the Floor — including graphics, illustrations, and brand assets — is independently created and owned by us, even where external mood boards or inspiration references were consulted during the creative process.

If you believe any content on From the Floor infringes your intellectual property rights, please contact us!!
 

7. Intellectual Property
 

All original content published by From the Floor — including written articles, newsletter issues, course materials, graphics, logos, branding, and website design — is the intellectual property of From the Floor and its creator, unless otherwise stated.

You may not reproduce, republish, distribute, sell, sublicense, or create derivative works from our content without prior written permission. You may share links to our public content with appropriate attribution.

Where AI tools have been used in the creation of content, we assert ownership to the fullest extent permitted by applicable law, on the basis that the content reflects substantial human creative direction, editorial judgment, and intellectual input by the creator.

From the Floor respects third-party intellectual property. If we reference, quote, or adapt third-party material, we do so within the limits of applicable copyright law, with attribution where required.
 

8. Digital Products — 30 Day Investment Foundations Challenge
 

The 30 Day Investment Foundations Challenge is a self-paced educational programme hosted on Gumroad. By purchasing this product, you confirm that you understand it is educational content only and does not constitute financial advice.

No refunds are offered on digital products once access has been granted, as the product is delivered digitally and immediately accessible upon purchase. In the event of a technical issue preventing access, please contact us and we will resolve it promptly.

Course content is for personal use only. You may not share, redistribute, resell, or otherwise make the course materials available to third parties.
 

9. Clarity Call Sessions — €160 for 45 Minutes
 

Clarity Call sessions are one-on-one educational conversations conducted via video call. As stated above, these sessions are educational in nature and do not constitute regulated financial advice.

Sessions are 45 minutes in duration. Cancellations made with less than 48 hours' notice or no-shows may not be eligible for rescheduling. We reserve the right to end a session early if the participant requests information outside the scope of financial education or requests anything we are not in a position to provide.

Session fees are payable in advance. Pricing is subject to change. The price applicable is the price stated at the time of booking.
 

10. User Conduct
 

By using any part of From the Floor, you agree not to:

   •  Use our content for any unlawful purpose or in violation of applicable law;

   •  Reproduce or distribute our content without permission;

   •  Harass, threaten, or intimidate us or other users;

   •  Use our platforms to solicit others;

   •  Misrepresent our content as your own.
 

11. Third-Party Platforms and Links
 

From the Floor operates across third-party platforms including Substack, Gumroad, TikTok, Instagram, and Wix. Your use of these platforms is subject to their own terms of service and privacy policies. We are not responsible for the practices of any third-party platform.

Our content may contain links to external websites. We do not endorse, control, or take responsibility for the content of any external site.
 

12. Limitation of Liability
 

To the fullest extent permitted by applicable law, From the Floor and its creator shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from:

   •  Use of or reliance on any content we publish;

   •  Financial decisions made based on our educational content;

   •  Interruption or unavailability of our website or products;

   •  Errors, inaccuracies, or omissions in our content;

   •  Any action or inaction taken as a result of information obtained from us.

Our total liability for any claim arising in connection with our services shall not exceed the amount paid by you for the specific product or service in question.
 

13. Governing Law
 

These Terms of Use are governed by the laws of the European Union and the jurisdiction in which From the Floor operates. Any disputes shall be subject to the exclusive jurisdiction of the courts of that jurisdiction.
 

14. Changes to These Terms
 

We reserve the right to update these Terms at any time. Changes will be posted on this page with an updated date. Continued use of our content or services after changes are posted constitutes your acceptance of the updated Terms.


PART TWO — PRIVACY POLICY

 

15. Introduction
 

Wix (wix.com) — website hosting platform. Wix independently collects certain technical and usage data through site infrastructure and cookies. Wix acts as an independent data controller for data collected through its own systems. Please refer to Wix's Privacy Policy for full details.

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16. What Data We Collect
 

We may collect the following types of personal data:

   •  Identity data: your name, where provided;

   •  Contact data: email address;

   •  Purchase data: transaction records via Gumroad for digital product purchases;

   •  Form responses: answers to our pre-session intake form, including information about your financial situation and goals;

   •  Usage data: information about how you interact with our website, including pages visited and time spent, collected via website analytics tools.

We do not knowingly collect data from individuals under the age of 18.
 

17. How We Use Your Data
 

We use your personal data for the following purposes:

   •  To deliver the Substack newsletter and educational content you have subscribed to;

   •  To process purchases made via Gumroad;

   •  To schedule and prepare for Clarity Call sessions;

   •  To respond to enquiries you send us;

   •  To improve our content and user experience;

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18. Third-Party Processors
 

We use the following third-party platforms that may process your personal data on our behalf:

   •  Substack — newsletter and content delivery platform;

   •  Gumroad — digital product payment and delivery platform;

   •  Wix — website hosting and analytics;

•  Stripe;

   •  Video conferencing platforms (e.g. Zoom, Google Meet) — for Clarity Call sessions.

Each of these platforms operates under its own privacy policy and data processing terms. We encourage you to review their policies. We ensure that any third-party processor we use provides adequate data protection guarantees.
 

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19. Cookies
 

Our website may use cookies and similar technologies to improve user experience and collect usage data. By using our website, you consent to the use of cookies in accordance with this policy. You may disable cookies through your browser settings, though this may affect the functionality of the site.
 

20. Data Security
 

We take reasonable technical and organisational measures to protect your personal data against unauthorised access, loss, or misuse. However, no transmission over the internet is entirely secure, and we cannot guarantee the security of data transmitted to us electronically.
 

21. International Transfers
 

Some of the third-party platforms we use may store or process data outside the European Economic Area (EEA). 
 

 

This document does not constitute legal advice. From the Floor recommends consulting a qualified legal professional for advice specific to your circumstances. This document was last reviewed and updated on 5 May 2026.