This website and its content are owned by Dollars Plus Sense. Information provided on Dollars Plus Sense is for informational, educational, and entertainment purposes only. I am not a financial professional and this information should not be construed as professional advice. Although I am a practicing attorney in good standing in the state of New York, this does not replace the guidance you would get from your own attorney, accountant, or financial advisor. Please seek a certified professional if you need assistance.

Dollars Plus Sense sometimes publishes affiliate endorsements and advertisements. I will earn a commission if you decide to make a purchase after clicking through some of these affiliate links, at no additional cost to you. I only use companies that I have used (or would use) and match the Dollars Plus Sense values. I recommend them because they are helpful and useful, not because of the small commissions I make if you decide to buy something through my links. Please do not spend any money on these products unless you feel you need them or that they will help you achieve your goals. Any opinions, analyses, reviews or evaluations provided here are those of Dollars Plus Sense alone, and have not been reviewed, approved or otherwise endorsed by affiliate advertisers. The companies whose products are featured do not provide the editorial content on this site.

Rates and Offers provided by advertisers can change without notice. I try my best to provide up to date information, but it could differ from actual numbers. This website does not envisage offering goods or services to individuals living in the European Union as detailed in the General Data Protection Regulation. In addition, the information presented and associated with this website is intended for individuals that reside in the United States only.

Privacy Policy

Dollars Plus Sense does not collect personal information about our visitors except for standard traffic logs automatically generated by our web server and Google Analytics. By using this Website, you are consenting to the collection, use, disclosure, and transfer of your information as described in this Policy. If you do not consent to the collection, use, disclosure and transfer of your information as described in this Policy, you may not use this Site. If you have questions about this Policy, please contact me via e-mail at [email protected].

I will have your email address if you choose to contact me or sign-up for our email list. However, I will not sell or voluntarily disclose your email address or personal information to anyone else.

Cookie Policy

The Dollars Plus Sense Website uses “Cookies” to identify the areas of my Website that you have visited. A Cookie is a small piece of data stored on your computer or mobile device by your web browser. I use Cookies to personalize the content that you see on my Website. By using my Website you are consenting to the use of Cookies. Most web browsers can be set to disable the use of Cookies. However, if you disable Cookies, you may not be able to access functionality on our Website correctly or at all. I never place Personally Identifiable Information in Cookies.

I respect your right to make choices about the ways we collect, use, and disclose your information. This Policy describes some of your choices, such as your choice to opt out of receiving Cookies, and to opt out of having your information shared with third parties for their own marketing purposes. In addition, and as required by law, you can opt out of receiving promotional emails from me by clicking on the “unsubscribe” link at the bottom of each promotional email.

Terms Of Use

By using our website you are agreeing to comply with and be bound by the following terms of use. Review the terms carefully, and if you do not agree with them, do not use this website. The terms “us”, “we”, or “our” refers to Dollars Plus Sense, while the term “you” refers to the user or viewer of the site.

You agree to the terms and conditions as outlined in this Terms of Use Agreement with respect to our site. This agreement is the entire and only agreement between us and you, and it replaces any prior agreements you may have had with us, with respect to our site, products, services, and content. We reserve the right to change this agreement from time to time, without notification. The latest agreement will be posted on our website, and it is your responsibility to review the latest agreement.

This site is copyrighted by us. This copyright covers all content, organization, design, graphics, compilations, digital conversion, and magnetic translation that relates to this site. Copying this website, unless otherwise allowed, is a violation of our copyrights, and is strictly prohibited. You do not own any rights to any content on this website, unless it is your own work, such as messages you have written in our forum or comments section. and others are our service marks or registered service marks or trademarks. Other product and company names mentioned on this site belong to their respective owners.

You are granted a non-exclusive, non-transferable, revocable license to:

  • Use the site strictly in accordance with this agreement.
  • Use the site solely for internal, personal, non-commercial purposes
  • To print out information from the site solely for internal, personal, non-commercial purposes, ensuring that you adhere to all copyright laws and other policies in your usage of that information.

You are not granted permission to use any information printed from our site in any type of litigation or arbitration, under any circumstances.

Your right and license to access and use this site, including any information or materials on this site, are subject to the following restrictions and prohibitions of use:

  • You may not copy, print (except as expressed above), republish, distribute, display, sell, rent, lease, loan, transmit, or otherwise make available in any form, or by any means, all or any portion of this site or any content and materials retrieved from this site.
  • You may not use the site or any materials on the site to develop any information, storage or retrieval system, database, information base, or any other similar type of resource that we offer for commercial distribution of any kind, including through license, sale, lease, rental, subscription, or any other type of distribution.

Refund Policy

Due to the digital nature of my products, I generally offer no refunds or exchanges. This is because the digital product is delivered instantly via Internet download upon confirmation of purchase. In agreeing to receive the download at the point of purchase you will lose your right to cancel and your right to a refund.

Orders made due to a lack of research about the product will not be granted. Please make sure you read the title and description of the product you are ordering carefully before proceeding with the purchase.

Unless otherwise stated, refund requests made after the digital product is delivered will not be granted.

Budget To Freedom Society Membership Terms & Conditions

If you are planning to join the Budget To Freedom Society, (“the Membership”) then you must read these terms and conditions in full prior to purchasing.

  • Membership Terms & Conditions (‘Terms’): Key Details

These Terms cannot be varied and in proceeding to purchase the Membership you will be deemed to have accepted these Terms. The Terms set out below apply to the services offered by Dollars Plus Sense. Please read them carefully as they affect your rights and liabilities under law and set out the Terms under which Dollars Plus Sense (“we”, “our” or “us”) provide services to you, as a purchaser of the Membership. These Terms are subject to any rights you have under consumer law to which we are bound and which cannot be waived by contract.

Please be aware that we may update these Terms at any time. Your continued use of the Membership indicates your acceptance of the terms and agreement to any changes.

  • Membership Outline

Budget To Freedom Society is a membership platform for like-minded women all working towards a common goal—financial freedom. The Membership is an ongoing commitment where you can get regular support and guidance.

  • Membership Specifics

There are three elements to the Membership:

  1. Resource Library
  2. Monthly Q&A Sessions
  3. A Private Online Group

Resource Library

The Resource Library will contain downloadable documents and courses led by Dafina from Dollars Plus Sense. These training resources are available for members to consider in their own time. For best results, you should work through the video trainings and worksheets regularly in your own time. Give yourself a set date and time every week to go through the materials and work on your finances. Failure to do so may limit your ability to learn from the tips and guidance shared in the course.

Monthly Q&A Sessions

Each month you will get the chance to ask questions about your finances. Every member will get the opportunity to ask questions live or questions from the private online membership group which should be submitted in advance will be answered. Please note that I am NOT a financial planner, therefore, we do not give specific investing advice.

Each month one member will take the “hot seat” for 15 minutes to get feedback and a budget review. Any remaining time will be utilized for shorter questions.

Private Online Group

You will have access to a private online group to support you during the Membership. The intention of the private online group is to provide community support and a network of individuals at a similar stage of their financial journey and who are facing similar challenges.

From time to we may post and offer support in the private online group but there is no guarantee that posts will be responded to immediately or that any private online group mailboxes will be monitored.

Please be advised that while we hope that you will be able to utilize the private online group, we make no guarantees as to the availability of the group and/or the content within the group at any time. Therefore, always ensure that you have backup copies of any information shared within the group.

  • Behavior

It is requested that at all times your behavior towards others is polite and respectful. Should your behavior be deemed offensive or inappropriate we reserve the right to remove you from the Membership with immediate effect.

Each person is responsible for their own behavior and we will not be held responsible for the behavior or actions of any other Members.

  • Membership Fees and Payment Terms

The cost of the Membership is set at the time you subscribe. Once subscribed you will agree to monthly payments.

The Membership is an ongoing monthly subscription and payment will be taken on the same day each month.

We reserve the right to change the content and delivery of the services within the membership and the associated price point at any time. Should we do this we will provide advance notice so that you can decide whether to consider your subscription. We will never increase your membership fees without providing at least 28 days’ notice and without providing you with advance notification.

  • Refunds and Cancellation

It is our aim that you will be completely happy with the Membership. However, we understand that there may come a time when you wish to leave the Membership.

If you feel like this Membership is not for you, you can cancel at any time. You will have access to all program materials until your current payment period is complete.

There are absolutely no strings attached and no hard feelings if you cancel. However, as you have instant access to the Membership resources you will not be entitled to a refund of your subscription fees should you join and then wish to leave. We do not provide refunds or prorate any uncompleted time in the program.

Please consider the detail of the Membership carefully before purchasing and get in touch to ask any questions about suitability. You will not be entitled to a refund if you change your mind.

We reserve all rights to cancel the program for any reason without prior notice. In such circumstances, a refund will be provided for the remainder of that month or year as applicable.

Notwithstanding any right or remedy available to us, we may cancel your Membership with immediate effect under the following circumstances:

  • If you fail to pay your Membership fees by the relevant due date;
  • If you commit a repudiatory breach of the Terms of this agreement;
  • As decided at our sole discretion from time to time.
  • Contact and Schedule

It is the intention that the Membership will run continuously and that any training material, live Q&As, and live masterclass sessions will be provided as set out above. Should an unforeseen reason arise which causes a session(s) to be postponed they will be re-arranged as soon as possible.

Any live sessions that are recorded will be available for 90 days before their archived.

Throughout the Membership, we will be available by email at [email protected]. Please allow at least 48 hours for a response.

  • Disclaimers

We make no guarantees or claims as to the success of any member. Each individual is unique and their abilities are unique to them. The aim is that you will learn how to manage your money better so you can save more money, get out of debt, and eventually achieve financial freedom.

All training provided will be general information and guidance and will not be bespoke advice. We are not responsible for any action or inaction which you take as a result of the information within the Membership.

We are not responsible for any loss of opportunity or any investments which you make. No content in this Membership should be construed as financial or legal advice—although I am a lawyer, that is licensed to practice law, I am not your lawyer.

We ask that all members in the Membership respect the rights of others in respect of their behavior and privacy. We will not be responsible for the action of any members including for any disclosures made by any members based on information that has been shared within the Membership.

  • Limitation of Liability and Indemnification

To the fullest extent permitted by applicable laws, we limit liability and responsibility for any harm resulting from your use of all or any part of the Membership. We shall not be liable to you for any damages, including lost profits, whether such claim is based on warranty, contract, tort, or otherwise (even if we have been advised in advance of the possibility of such damages).

If we are found to be liable to you for any damage or loss which arises out of or is in any way connected with your use of the Membership, our liability shall in no event exceed the total of any fees with respect to the Membership received by us from you, during the 6 months preceding the date on which the claim arose.

Nothing in these Terms shall limit or exclude our liability in respect to fraudulent misrepresentation, resulting from our negligence, or any other liability which cannot be limited or excluded by law.

You agree to indemnify, defend and hold us, our subcontractors and employees, harmless from any claim or demand, including solicitors’ fees, made by a third party due to or arising out of your breach of these terms, or your violation of any law or the rights of a third party.

  • Privacy and Confidentiality

Your privacy and protection of your personal data are important to us. You are responsible for ensuring that your contact details are accurate and up-to-date, at the time of registration, and on an ongoing basis thereafter.

Your personal data is protected as set out in our privacy policy noted above. By providing your personal data you agree to the terms of our privacy policy.

During the course of the Membership, you may have access to confidential information, in particular the personal affairs of other members. In accepting these Terms, you agree that you will not use or disclose to any person, organization or company, and shall use your best endeavors to prevent the publication of, any confidential information relating to any other member.  

You accept that any unauthorized disclosure of personal or confidential information belonging to another may amount to immediate dismissal from the Membership. Should you decide to leave the Membership then you remain bound by the confidentiality and privacy obligations.

Please be aware that some training sessions may be recorded and your name and image/video may be captured. The recordings of the training will be kept and made available to others in the Membership. If you provide or share any information within these sessions about yourself or your business that information will be shared within the group. Should you not wish to be recorded please ensure that if you attend any training your camera is switched off and your name field is changed to “Attendee” with your initials so that support can still be offered but no personal identifiable information will be captured.

Your log-in details must remain confidential, and you must not disclose this information to a third party, without our express permission in writing. If you know or suspect, that your log-in details have been obtained by a third party, you agree to change your password immediately and provide notification of the same as soon as possible to [email protected].

  • Intellectual Property

During your time as a Member, you will be provided with various video trainings and printable worksheets. At all times the intellectual property rights and copyrights connected with those materials remain with us. You have the right to use the materials as learning tools but you are not permitted to duplicate, republish, reproduce, distribute, translate or provide copies to third parties. We retain and reserve all of our copyrights.

You agree that whilst in Membership, and for a period of 6 months following termination or cancellation of your Membership, you shall not use the confidential information revealed to you for any commercial purpose. In addition, you shall not elicit or entice away any current or potential members by sending “Friend Requests” or otherwise targeting them. You also agree not to become involved in any capacity with any business concern which is in or tends to be in, direct competition with us.

  • Waiver

In the event that we fail to insist upon your strict performance of any obligations under these Terms, or we fail to exercise any rights or remedies to which we are entitled, this will not constitute a waiver of any such rights and/or remedies available to us.

  • Errors and Inaccuracies

There may be information within our Site or the Membership which contains typographical errors, inaccuracies, or omissions relating to the service delivery, pricing or promotion of the Membership. We reserve the right to correct or amend any errors without prior notice.

  • Complaints

It is our aim that you are completely satisfied with the Membership. Should you have any feedback please feel free to share it with us as we are always striving to ensure that we provide you with the highest level of service. If you have a complaint about the Membership this should be made to made in writing to Dafina Sharpe at [email protected].

  • General

We intend to rely on the written Terms set out in Terms and Conditions for the services that we provide to you in delivery of the Membership. These written Terms shall constitute the entire agreement between us.

Should there be any conflict between these Terms and any Membership hosting platform or payment gateway, these Terms shall prevail.

If any provision within these Terms is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect. If any unlawful and/or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect (unless that would contradict the clear intention of the parties, in which case the entirety of the relevant provision will be deemed to be deleted).

We may update these Terms and Conditions from time to time for legal or regulatory reasons or to allow the proper operation of your service. Any changes will be notified to you as soon as possible.