WHAT THEY DON'T TEACH YOU

The terms that govern your use of this website and our services.

Effective date: July 1, 2026

Please read these Terms and Conditions carefully before using theydontteachyou.com or any services offered by What They Don't Teach You. By accessing our website or engaging any of our services, you agree to be bound by these terms. If you do not agree, please do not use this website.

1. Who We Are

What They Don't Teach You is an educational content brand operated by Caleb and Mary Beth Lutz, based in Kansas City, Missouri. We produce a YouTube channel, website content, and free educational resources focused on income streams, financial education, career development, and personal influence. We also offer coaching, workshops, and speaking services.

2. Educational Disclaimer

All content on this website, including episodes, blog posts, resources, guides, worksheets, and tools, is provided for educational and informational purposes only. Nothing on this site constitutes professional financial, legal, tax, or investment advice.

We are not licensed financial advisors, attorneys, CPAs, or investment professionals. Any financial decisions you make based on content from What They Don't Teach You are made at your own risk. We strongly encourage you to consult qualified professionals before making significant financial, legal, or business decisions.

Results mentioned or implied in our content are not guaranteed. Individual outcomes will vary based on your personal circumstances, effort, experience, and many other factors outside our control.

3. Intellectual Property

All content on this website and across our YouTube channel, including but not limited to episode videos, written resources, guides, worksheets, cheat sheets, quizzes, templates, and graphics, is the intellectual property of What They Don't Teach You.

You may not reproduce, distribute, republish, sell, or create derivative works from our content without our express written permission. Personal, non-commercial use is permitted provided you clearly credit What They Don't Teach You and link back to theydontteachyou.com.

4. Free Resources

We offer free downloadable resources including guides, worksheets, and tools. These resources are provided for your personal use only. You may not resell, redistribute, or present these materials as your own. The content in all resources remains the intellectual property of What They Don't Teach You.

5. Coaching and Services

What They Don't Teach You offers coaching, workshop, and speaking services. The following terms apply to all paid and unpaid service engagements:

No guarantee of results

Coaching and workshop services are educational and supportive in nature. We do not guarantee any specific financial outcome, income level, career result, or business success. Our role is to share our experience, perspective, and frameworks. Your results depend entirely on your own effort, decisions, and circumstances.

Payment and cancellation

Payment terms, cancellation policies, and refund provisions for individual coaching or workshop engagements will be outlined in a separate service agreement provided at the time of engagement. In the absence of a separate agreement, all payments are non-refundable unless otherwise agreed in writing.

Confidentiality

We respect the privacy of our clients. Information shared during coaching sessions will not be shared publicly without your explicit permission. We may reference general themes or anonymized insights from client work in our content without identifying you personally.

6. Collaborator Network

What They Don't Teach You connects our audience with trusted collaborators in various fields including financial advising, real estate, legal, tax, marketing, and wellness. The following applies to all collaborator referrals:

• We do not receive compensation for referrals to our collaborator network unless explicitly disclosed

• We do not guarantee the services, outcomes, or conduct of any collaborator in our network

• Any engagement between you and a collaborator is a separate relationship governed by that collaborator's own terms

• We encourage you to independently verify the credentials and suitability of any professional before engaging their services

7. User Conduct

By using this website, you agree not to:

• Use the site for any unlawful purpose

• Reproduce or distribute our content without permission

• Submit false or misleading information through any of our forms

• Attempt to gain unauthorized access to any part of our website or systems

• Use our content or brand to misrepresent your own products or services

8. Third-Party Links

Our website and content may contain links to third-party websites, tools, or resources. These links are provided for your convenience and do not constitute an endorsement of those sites or their content. We are not responsible for the content, accuracy, or practices of any third-party site.

9. Affiliate Relationships

From time to time, we may recommend products or services and receive a commission if you purchase through our link. We will always disclose affiliate relationships clearly. We only recommend products and services we genuinely believe in and would stand behind regardless of compensation.

10. Limitation of Liability

To the fullest extent permitted by law, What They Don't Teach You and Caleb and Mary Beth Lutz shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this website, our content, or our services. This includes, without limitation, any loss of income, data, or business opportunity.

Your use of this website and any services is at your own risk.

11. Indemnification

You agree to indemnify and hold harmless What They Don't Teach You and Caleb and Mary Beth Lutz from any claims, damages, losses, or expenses arising from your use of our website, your violation of these terms, or your violation of any third-party rights.

12. Governing Law

These Terms and Conditions are governed by the laws of the State of Missouri, United States, without regard to its conflict of law provisions. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts located in Missouri.

13. Changes to These Terms

We reserve the right to update these Terms and Conditions at any time. Changes will be reflected by an updated effective date at the top of this page. Your continued use of the website following any changes constitutes your acceptance of the revised terms.

14. Contact Us

If you have any questions about these Terms and Conditions, please reach out through our contact page at theydontteachyou.com/connect.

What They Don't Teach You  ·  theydontteachyou.com  ·  Kansas City, Missouri