Terms & Conditions
Last updated: June 12, 2025
These Terms and Conditions (“Terms”, “Terms and Conditions”) govern your use of the website
operated by CRMC & Associates LLC (“Company”, “we”, “us” or “our”). By accessing or using
the Service (defined below) you agree to be bound by these Terms. If you disagree with any
part of the Terms, you may not access the Service.
Interpretation and Definitions
Interpretation
Words whose initial letter is capitalized have meanings defined under the following conditions.
The definitions below have the same meaning whether they appear in singular or plural.
Definitions
For the purposes of these Terms and Conditions:
● Partners means an entity that controls, is controlled by, or is under common control with
a party; “control” means ownership of 50 % or more of the shares, equity interest or
other securities entitled to vote for election of directors or other managing authority.
● Account means a unique account created for you to access our Service or parts of our
Service.
● Country refers to: Michigan, United States of America.
● Company refers to CRMC & Associates LLC, Detroit, Michigan, USA.(cliftroach.com)
● Device means any device that can access the Service such as a computer, cellphone or
digital tablet.
● Feedback means feedback, innovations or suggestions sent by you regarding the
attributes, performance or features of our Service.
● Goods refers to the items offered for sale on the Service.
● Orders means a request by you to purchase Goods from us.
● Promotions refers to contests, sweepstakes or other promotions offered through the
Service.
● Service refers to the Website.
● Terms and Conditions (also referred to as “Terms”) means these Terms and
Conditions that form the entire agreement between you and the Company regarding the
use of the Service.
● Third-party Social Media Service means any services or content (including data,
information, products or services) provided by a third party that may be displayed,
included or made available by the Service.
● Website refers to Clift Roach — The Money Coach, accessible from
● You means the individual accessing or using the Service, or the company or other legal
entity on behalf of which such individual is accessing or using the Service, as applicable.
Acknowledgement
These are the Terms and Conditions governing your use of this Service and the agreement that
operates between you and the Company. These Terms set out the rights and obligations of all
users regarding the Service.
Your access to and use of the Service is conditioned on your acceptance of and compliance
with these Terms. You represent that you are at least 18 years old— the Company does not
permit those under 18 to use the Service.
Your access to and use of the Service is also conditioned on your acceptance of and
compliance with our Privacy Policy, which explains how we collect, use and disclose your
personal information. Please read it carefully before using the Service.
Placing Orders for Goods
By placing an Order for Goods through the Service, you warrant that you are legally capable of
entering into binding contracts.
Your Information
If you wish to place an Order, you may be asked to supply certain information including, without
limitation, your name, email, phone number, credit-card number, card-expiration date, billing
address and shipping information. You represent and warrant that you have the legal right to
use any payment method submitted and that the information you supply is true, correct and
complete. By submitting such information, you grant us the right to provide it to payment-
processing third parties for purposes of facilitating your Order.
Order Cancellation
We reserve the right to refuse or cancel your Order at any time for reasons including, but not
limited to:
● Goods availability
● Errors in the description or prices for Goods
● Errors in your Order
● Suspected fraud, unauthorized or illegal transactions
Order-Cancellation Rights
Any Goods you purchase can be returned only in accordance with these Terms and our Returns
Policy. Your right to cancel applies only to Goods that are returned in the same condition in
which you received them and with all original instructions, documents and wrappings. We will
reimburse you no later than 14 days from the day we receive the returned Goods, using the
same payment method you used for the Order.
You will have no right to cancel an Order for:
● Goods made to your specifications or clearly personalized;
● Goods that deteriorate rapidly or have passed their expiry date;
● Goods unsuitable for return due to health protection or hygiene reasons that were
unsealed after delivery;
● Goods inseparably mixed with other items after delivery;
● Digital content supplied on a non-tangible medium once performance has begun with
your prior express consent.
Availability, Errors and Inaccuracies
We are constantly updating our offerings of Goods on the Service. The Goods available may be
mispriced, described inaccurately, or unavailable, and we may experience delays in updating
information. We cannot guarantee the accuracy or completeness of any information and reserve
the right to change or update information and correct errors, inaccuracies or omissions at any
time without prior notice.
Prices Policy
The Company reserves the right to revise its prices at any time prior to accepting an Order.
Prices may also be revised after acceptance due to matters beyond our control (e.g.,
government action, increased shipping charges, currency fluctuations). In that event, you have
the right to cancel your Order.
Payments
All Goods purchased are subject to a one-time payment via the payment methods we make
available (e.g., Visa, MasterCard, American Express, PayPal). Payment cards are subject to
validation checks and authorization by your card issuer; without authorization, we will not be
liable for any delay or non-delivery.
Promotions
Any Promotions made available through the Service may be governed by separate rules. If you
participate, please review the applicable rules as well as our Privacy Policy. If the Promotion
rules conflict with these Terms, the Promotion rules will apply.
User Accounts
When you create an Account, you must provide information that is accurate, complete and
current at all times. Failure to do so constitutes a breach of the Terms and may result in
immediate termination of your Account. You are responsible for safeguarding your password
and agree not to disclose it to any third party. Notify us immediately of any breach of security or
unauthorized use.
Intellectual Property
The Service and its original content (excluding content provided by users), features and
functionality are and will remain the exclusive property of the Company and its licensors. The
Service is protected by copyright, trademark and other laws. Our trademarks and trade dress
may not be used without our prior written consent.
Your Feedback to Us
You assign all rights, title and interest in any Feedback you provide. If such assignment is
ineffective, you grant the Company a non-exclusive, perpetual, irrevocable, royalty-free,
worldwide licence to use, reproduce, disclose, sub-license, distribute, modify and exploit such
Feedback without restriction.
Links to Other Websites
Our Service may contain links to third-party websites or services that are not owned or
controlled by the Company. We assume no responsibility for the content, privacy policies or
practices of any third-party sites and you acknowledge that we will not be liable for any damage
or loss caused by their use. We strongly advise you to read the terms and privacy policies of
any third-party sites you visit.
Termination
We may terminate or suspend your Account immediately, without prior notice or liability, for any
reason, including breach of these Terms. Upon termination, your right to use the Service will
cease immediately.
Limitation of Liability
Notwithstanding any damages you might incur, the entire liability of the Company and its
suppliers under any provision of these Terms and your exclusive remedy shall be limited to the
amount actually paid by you through the Service or 100 USD if you have not purchased
anything. To the maximum extent permitted by law, the Company and its suppliers shall not be
liable for any indirect, incidental, special or consequential damages (including loss of profits,
data, business interruption or personal injury) arising out of or related to the use of the Service,
even if advised of the possibility of such damages.
Some jurisdictions do not allow the exclusion of implied warranties or limitation of liability for
incidental or consequential damages, so the above limitations may not apply to you. In such
cases, liability will be limited to the greatest extent permitted by law.
“AS IS” and “AS AVAILABLE” Disclaimer
The Service is provided “AS IS” and “AS AVAILABLE” with all faults and defects without
warranty of any kind. The Company disclaims all warranties, express or implied (including
merchantability, fitness for a particular purpose, title and non-infringement). We make no
representation that the Service will meet your requirements, operate without interruption or be
error-free.
Some jurisdictions do not allow the exclusion of certain warranties or limitations on statutory
rights, so some or all of the above exclusions and limitations may not apply to you.
Governing Law
These Terms are governed by the laws of the State of Michigan, excluding its conflict-of-law
rules. Your use of the Service may also be subject to other local, state, national or international
laws.
Dispute Resolution
If you have a dispute or concern, you agree to first attempt to resolve it informally by contacting
the Company.
European Union (EU) Users
If you are an EU consumer, you will benefit from any mandatory provisions of the law of the
country in which you reside.
United States Legal Compliance
You represent and warrant that (i) you are not located in a country subject to a U.S.
Government embargo or designated as a “terrorist-supporting” country, and (ii) you are not
listed on any U.S. Government list of prohibited or restricted parties.
Severability and Waiver
If any provision of these Terms is held unenforceable or invalid, such provision will be modified
to accomplish its objective to the greatest extent possible, and the remaining provisions will
remain in full force and effect. Failure to exercise a right or require performance under these
Terms shall not affect a party’s ability to exercise such right or require such performance at any
time thereafter.
Translation Interpretation
These Terms may have been translated for your convenience. You agree that the original
English text shall prevail in the case of a dispute.
Changes to These Terms and Conditions
We reserve the right to modify or replace these Terms at any time. If a revision is material, we
will provide at least 30 days’ notice before new terms take effect. What constitutes a material
change will be determined at our sole discretion. By continuing to access or use the Service
after revisions become effective, you agree to be bound by the revised Terms. If you do not
agree to the new terms, please stop using the Service.
Contact Us
If you have any questions about these Terms and Conditions, you can contact us:
● By email: business@cliftroach.com(cliftroach.com)
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