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The Royer Consultancy, Inc. and all of its brands
Effective: September 29, 2026
Thank you for being here. These terms are the ground rules for using anything we offer, on any of our sites or brands. We kept them in plain words on purpose, so please give them a read. You accept these terms when you create an account, register, enroll, or buy from us, and when you use our sites and services. If you don’t agree with them, please don’t use our Services.
The full terms below are what count.
“We,” “us,” and “our” mean The Royer Consultancy, Inc., a Florida corporation, and the brands and businesses it owns or runs. Right now that includes:
These terms cover all of our websites (including trclearninghub.com, catchyourmoney.com, and lauraroyer.com), our online community, courses and trainings, live and recorded events, podcasts, emails and sign-up forms, and the products we sell. Together, we call these our “Services.” When we add a new brand or site that links to these terms, they cover it too.
“You” means the person using our Services. If you use them for an organization (for example, you sign your team up for a training), you’re agreeing to these terms for yourself and for your organization, and you’re confirming you have the authority to do that.
Other policies. Our Privacy Policy explains how we handle your information. Our Community Guidelines explain how we treat each other in the TRC Lounge, and they’re part of these terms.
Separate agreements. Coaching, consulting, speaking, and custom training for organizations come with their own written agreement. If that agreement and these terms say different things, the agreement terms supersede for that work.
Other companies’ platforms. Sometimes we teach, publish, or sell through another company’s platform, like a partner’s learning site, a podcast app, or an online bookstore. That company’s terms apply there too.
The TRC Lounge is a professional community for people who do housing counseling, financial capability, and related work. It works because members can trust each other. Our Community Guidelines spell out the details. Here’s the heart of it:
Members’ posts are their own views, not ours, and we don’t review everything before it’s posted. We may remove content, limit features, or pause or close an account when we believe someone has broken these terms or the Community Guidelines, or when we need to keep the community safe. Anything that doesn’t fit the community’s purpose may come down too, even if it doesn’t break a specific rule. Our team will use good judgment and may act without advance notice.
See something that breaks the rules? Use the ⋯ menu on the post to report it, or email info@lauraroyer.com.
What you post is still yours. That includes posts, comments, messages, profile details, photos, and files.
When you post something in our Services, you give us a free, worldwide, non-exclusive permission to host, store, copy, display, and share it within our Services. That permission lasts until the content is removed, plus a limited time in our backups. Want something you posted taken down, like a post or a photo? Message us at info@lauraroyer.com and we’ll remove it.
What the TRC Lounge is talking about. Our emails and sites may mention what members are discussing in the TRC Lounge, in general terms that don’t point to anyone. Before we quote your post outside the TRC Lounge, we’ll ask you.
You’re responsible for what you post. Please only post things you have the right to share and that follow these terms and the law.
Ideas and feedback. If you send us suggestions, we may use them freely, without owing you anything.
Coaching, consulting, speaking, and custom training come with a separate written agreement that covers the scope, fees, schedule, and confidentiality. These terms cover anything that agreement doesn’t.
Coaching is not therapy or mental health care. It also isn’t financial, legal, or tax advice (see section 9).
Everything we share is for education. That includes our courses, podcasts, emails, planners, tools, community posts, and coaching. None of it is financial, investment, legal, tax, or accounting advice, and none of it is a promise of any particular result.
Every situation is different. Before you make decisions about your money, your business, or your organization, talk with a qualified professional who knows your situation. When we share someone’s results, they’re real, and they aren’t a promise you’ll get the same. Your results depend on many things, including your own effort.
If you work in housing counseling or financial capability, our trainings don’t replace the rules and policies that govern your work, like HUD requirements, your funders’ requirements, or your agency’s policies. You’re responsible for how you apply what you learn.
What other members share is their own experience, not advice from us.
Everything we create is protected by copyright. It belongs to The Royer Consultancy, Inc. or to the people who license it to us. That includes our courses, trainings, recordings, slides, worksheets, tools, templates, planners, books, podcasts, emails, and the resources we share in the TRC Lounge. Our names and logos (including The Royer Consultancy, The TRC Learning Hub, The TRC Lounge, Catch Your Money, and In the House) are ours too.
Please don’t copy, share, sell, post, adapt, or teach from our materials without our written permission, except as these terms allow (like the client tools in section 5). Want to use something? Email info@lauraroyer.com and ask. Permission only counts when it comes from us in writing.
We respect other people’s work. If you believe something in our Services copies your work without permission, email info@lauraroyer.com and include:
We’ll review it and remove the material if that’s the right call. When we remove something you posted, we’ll let you know and explain how to send a counter notice if you believe it was a mistake. In appropriate cases, we’ll close the accounts of members who repeatedly infringe copyrights.
Partner courses and collaborations. Some courses and materials come from organizations or consultants we work with, or are made together with them. They own their materials, and we respect their copyrights, so please do the same. When a partner’s course comes with its own terms, those terms apply too. If they conflict with ours, the partner’s terms win for that course.
Other companies’ sites and tools. Our Services link to and use other companies’ sites and tools, like Zoom, Kit, podcast apps, and payment companies. We don’t control them and aren’t responsible for them. Their own terms and privacy policies apply when you use them.
You can stop using our Services anytime. To close your TRC Lounge account, email us at info@lauraroyer.com and we’ll take care of it.
We may pause or end your access if you break these terms, if the law requires it, or if we stop offering a Service. Parts of these terms that by their nature should continue (like ownership, disclaimers, limits on liability, and how we settle disagreements) still apply after your access ends.
We work hard to keep our Services helpful and running smoothly. Even so, we provide them “as is” and “as available.” We can’t promise they’ll always be available or free of errors, or that they’re right for your situation. To the fullest extent the law allows, we disclaim all warranties, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
To the fullest extent the law allows:
Some places don’t allow these limits, so some of them may not apply to you. These limits also don’t apply to fraud or intentional misconduct.
If someone makes a claim against us because of something you posted, your breaking these terms, or your violating the law or someone else’s rights, you agree to cover our reasonable costs and losses from that claim, including reasonable attorney’s fees.
We may update these terms as our Services grow. When we do, we’ll change the date at the top. If a change is significant, we’ll let you know by email or with a notice on our sites before it takes effect. Continuing to use our Services after a change takes effect means you accept the updated terms. A change won’t apply to a disagreement that started before it took effect.
The Royer Consultancy, Inc.
5200 NW 43rd Street, Suite 102-275, Gainesville, FL 32653
Questions about these terms? Email us anytime. Happy to serve you.
The Royer Consultancy, Inc. and all of its brands
Effective: September 29, 2026
When you share your information with us, you’re trusting us with it, and we take that seriously. This policy explains what we collect when you use anything we offer, how we use it, and the choices you have. We kept it in plain words on purpose.
The full policy below is what counts.
“We,” “us,” and “our” mean The Royer Consultancy, Inc., a Florida corporation, and the brands and businesses it owns or runs. Right now that includes:
This policy covers all of our “Services”: our websites (including trclearninghub.com, catchyourmoney.com, and lauraroyer.com), our community, courses and trainings, live and recorded events, podcasts, emails and sign-up forms (including forms hosted by our email platform, Kit), and the products we sell.
Coaching and consulting clients. If you have a signed agreement with us, its privacy terms also apply to that work, like how we handle session notes and recordings. Where that agreement is more specific, it wins.
Other companies’ platforms. When you reach our content through another company’s platform, like a podcast app, a partner’s learning site, or an online store, that company’s privacy policy covers what it collects.
When you visit our sites or open our emails, we and the tools we use collect some basic information, like your device and browser type, IP address, the pages you visit, and the links you click. Our email platform also tells us whether you opened an email. In the TRC Lounge, other members can see basic activity, like when you were last active. Section 6 explains how we use cookies.
We use your information to:
AI tools. We use AI tools to help run our business, for example to draft and organize our work, manage our sites, and transcribe recorded sessions. Some of that work can involve information you’ve shared with us. We use private, paid accounts, and where a tool gives us the choice, we turn off the setting that lets the company train its AI models on our data.
We don’t sell your personal information. Here are the only situations where we share it:
We may also share numbers that don’t identify anyone, like how many people from each state attended a training, in our reports and marketing.
Cookies are small files your browser saves when you visit a site. We use them to:
Some pages include content from other companies, like our podcast player, videos, or sign-up forms. Those companies, and any analytics tools we use, may set their own cookies and collect information about your visits to our sites and other websites over time.
You can block or delete cookies in your browser settings. If you block the cookies the site needs, some parts (like logging in) won’t work.
Do Not Track. Some browsers can send a “Do Not Track” signal. There’s no common standard for how sites should respond to it, so our sites don’t respond to it right now.
We keep your information only as long as we need it for the reasons in this policy:
No system is perfectly secure, so we can’t promise your information will never be exposed. If a breach affects your information, we’ll let you know as the law requires. You can help by using a strong password you don’t use anywhere else.
Wherever you live, you can ask us to:
Email info@lauraroyer.com. We’ll confirm it’s you, then reply within 30 days or tell you why we need more time. Where a privacy law that applies to us gives you more rights, we’ll honor them.
Your profile. You can update most of your profile yourself anytime, and some fields let you choose who can see them.
Our Services are for adults 18 and older. We don’t knowingly collect information from anyone under 18. If you believe someone under 18 has given us their information, email us and we’ll delete it.
We’re based in the United States, and the tools we use store information here. If you use our Services from another country, your information will be transferred to, stored, and processed in the U.S., where privacy laws may be different from where you live.
We may update this policy as our Services grow. When we do, we’ll change the date at the top. If a change is significant, we’ll let you know by email or with a notice on our sites before it takes effect. Before we use information we already have in a significantly different way, we’ll ask for your OK.
Questions about your privacy, or want to make a request? Reach us here:
The Royer Consultancy, Inc.
5200 NW 43rd Street, Suite 102-275, Gainesville, FL 32653
Happy to serve you.