Effective September 13, 2026
efa (“efa,” “we,” “us”) connects members with independent financial educators for one-on-one sessions focused on budgeting, debt payoff, investing basics, retirement planning, homeownership, and weighing financial decisions. efa provides financial education and mentorship only. It is not individualized financial, legal, tax, or investment advice, and no educator-member conversation creates an advisory, fiduciary, or professional relationship. Decisions you make about your money are yours alone. Consider talking to a licensed professional (financial advisor, CPA, or attorney) before acting on anything discussed in a session.
You must be at least 18 years old and able to form a binding contract to create an efa account. You're responsible for keeping your login credentials confidential and for all activity under your account. The information you give us (name, email, timezone, quiz answers) must be accurate.
After a short quiz, efa recommends one or more educators based on your answers. Sessions are fixed at 55 minutes and booked into a specific time slot. Once a slot is booked it's held for you. Please give at least reasonable advance notice if you can no longer make it, so it can be released for someone else. efa (via an administrator) can cancel or reschedule a booking, including for an educator's unavailability.
efa is free for members. You will never be asked to pay for your match, your sessions, or your account. Educators pay efa a fee for each new member they are matched with; that fee is between efa and the educator and does not change what you owe, which is nothing.
Sessions take place over a video call link provided at booking. A session may be recorded for quality and training purposes; where recording occurs, efa will make reasonable efforts to notify participants at the start of the call. Some states require every participant's consent before a call can be recorded. By joining a session you consent to any recording disclosed at its start, and you should say so plainly if you don't consent. Don't record a session yourself without telling the other participant.
Educators are independent professionals, not efa employees or agents. efa reviews and approves educators before they're shown to members but doesn't guarantee the outcome of any session or the accuracy of anything an educator says. Report a concern about an educator to us at support@efa-finance.com.
Use efa lawfully and respectfully. Don't misuse the platform to harass anyone, attempt to bypass booking or payment mechanics, scrape or resell educator information, or interfere with the service's normal operation.
efa is provided “as is,” without warranties of any kind. To the fullest extent permitted by law, efa isn't liable for any financial decision you make based on a session, or for indirect, incidental, or consequential damages arising from your use of the platform. Nothing here limits liability that can't be limited under applicable law.
We may update these Terms from time to time; continuing to use efa after an update means you accept the revised Terms. We may suspend or close an account that violates these Terms.
Questions about these Terms? Reach us at support@efa-finance.com.