Terms of Service

[This is a placeholder terms of service document. Please consult with a legal professional to create comprehensive terms of service tailored to your business needs and compliant with applicable laws.]

1. Acceptance of Terms

By accessing and using this website and my coaching services, you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use my services.

2. Description of Services

I provide financial coaching services designed to help individuals and families achieve financial wellness through education, accountability, and personalized guidance based on proven financial principles.

3. Nature of Coaching Services

Important Disclaimer: My coaching services are educational in nature and do not constitute:

• Financial planning or investment advice
• Legal advice
• Tax advice
• Accounting services
• Credit repair services

For specific financial, legal, or tax advice, please consult with a licensed professional in the appropriate field.

4. Client Responsibilities

As a client, you agree to:

• Provide accurate and complete information
• Attend scheduled coaching sessions or provide adequate notice for cancellations
• Take responsibility for implementing financial strategies discussed during coaching
• Maintain confidentiality of coaching materials and resources provided
• Pay all fees as agreed upon in a timely manner

5. Booking and Cancellation Policy

Booking: Consultations can be booked through my online booking system. You will receive a confirmation email upon successful booking.

Cancellation: If you need to cancel or reschedule an appointment, please provide at least 24 hours notice. Late cancellations or no-shows may result in fees.

6. Payment Terms

Payment for coaching services is due at the time of booking or as otherwise agreed upon in writing. I accept various payment methods as indicated during the booking process.

7. Refund Policy

Free consultations are provided at no charge. For paid services, refunds may be available under certain circumstances as outlined in your service agreement. Please contact me to discuss refund requests.

8. Confidentiality

I maintain strict confidentiality regarding your personal and financial information shared during coaching sessions. Information will not be shared with third parties except as required by law or with your explicit consent.

9. Intellectual Property

All content on this website, including text, graphics, logos, and coaching materials, is the property of my coaching practice or my licensors and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works without written permission.

10. Limitation of Liability

My coaching services are provided "as is" without any warranties. I am not liable for any financial losses, damages, or consequences resulting from actions taken or not taken based on my coaching advice. You acknowledge that all financial decisions are ultimately your responsibility.

11. Indemnification

You agree to indemnify and hold harmless my coaching practice and its owner from any claims, damages, or expenses arising from your use of my services or violation of these terms.

12. Termination

Either party may terminate the coaching relationship at any time with written notice. Upon termination, you remain responsible for any outstanding fees for services already provided.

13. Modifications to Terms

I reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to this website. Your continued use of my services constitutes acceptance of any modifications.

14. Governing Law

These Terms of Service are governed by the laws of [Your State/Country]. Any disputes arising from these terms or my services shall be resolved in the courts of [Your Jurisdiction].

15. Contact Information

If you have any questions about these Terms of Service, please contact me at: