Terms And Conditions

Effective Date: 12/01/2024
Last Updated: 12/01/2024

Welcome to Finance4People! By engaging in our financial coaching services, you agree to the terms and conditions outlined below. Please read these Terms and Services carefully before proceeding.

Website and Coaching Disclaimers

Limitation of Liability:
"We," "us," "I," "Finance4People," "the Business," "website," and "blog" collectively refer to Finance4People.com and any affiliated entities.

• The views expressed on this website and blog are solely those of the individual author(s) and may not represent the views of employees, employers, family members, or clients.

• The information provided on this website and blog is for general informational purposes only and should not be construed as financial, investment, or professional advice.

• Finance4People makes no representations or warranties about the completeness, accuracy, or suitability of the information provided.

• We shall not be liable for any loss or damage arising from the use of this website or blog.

Link Disclaimer:

• Links to external websites are provided for convenience and informational purposes only. We do not endorse the content or views expressed on these sites and are not responsible for their accuracy or availability.

Personal Responsibility Disclaimer:

• You acknowledge and accept full responsibility for your financial decisions and outcomes.

• Finance4People assumes no responsibility for any losses or damages resulting from your participation in our coaching services.

Investment Disclaimer:

• Finance4People does not provide specific investment recommendations or advice. Clients are encouraged to consult with qualified professionals before making investment decisions.

• Investments involve risk, and past performance is not indicative of future results.

Confidentiality Disclaimer:

• Except as otherwise agreed or required by law, all client information will remain confidential.

Our Financial Coaching Services

Finance4People offers personalized coaching to help clients:

• Set and achieve financial goals

• Develop effective budgeting strategies

• Manage and reduce debt

• Improve credit scores

• Save and invest for the future

• Address behavioral and emotional barriers to financial success

Coaching Formats:

• In-person

• Online (video conferencing, email, instant messaging, text)

• Telephonic

• Hybrid (combining in-person and remote sessions)

Costs and Scheduling:

• Clients may choose individual sessions or packages.

• Pricing details are outlined in the payment agreement.

• No refunds are allowed; exchanges are at the coach’s discretion.

1. Services Provided
Finance4People offers the following services:

• Financial coaching sessions (individual or package options)

• Budgeting and financial planning tools

• Debt management strategies

• Savings and goal-setting support

• Personalized financial education

Our services are educational and advisory in nature, and do not include investment, legal, or tax advice 

2. Confidentiality
All sessions and communications between you and Finance4People are strictly confidential.

• Your personal and financial information will not be shared with third parties without your written consent, except as required by law.

• Finance4People utilizes secure tools and platforms to protect your data.

3. Client Responsibilities
To maximize the effectiveness of our coaching:

• Provide accurate and complete financial information.

• Be open and honest about your goals, challenges, and expectations.

• Act on agreed-upon action steps and recommendations.

Finance4People is not responsible for outcomes resulting from incomplete or inaccurate information provided by the client.

4. Fees and Payment

• All fees for services will be disclosed upfront and agreed upon prior to booking.

• Payment is due at the time of booking unless otherwise specified.

• Accepted payment methods include credit cards and debit cards.

Refunds and Cancellations:

• Cancellations must be made at least 24 hours in advance to avoid a $25.00 fee. Clients are allowed one cancellation without incurring this charge.

• Refunds are not provided for services already rendered.

5. Scheduling and Session Policies

• Coaching sessions must be scheduled in advance.

• Late arrivals will result in a shortened session without a reduction in fees.

• If the coach needs to reschedule, you will be notified as soon as possible, and an alternative time will be provided.

6. Disclaimer
Finance4People provides guidance based on current financial principles and best practices but cannot guarantee specific results.

• Financial coaching is not a substitute for professional legal, tax, or investment advice.

• Clients are responsible for making their own financial decisions.

Finance4People shall not be held liable for any financial losses or damages resulting from the use of our services.

7. Termination of Services
Finance4People reserves the right to terminate the coaching relationship at any time if:

• The client violates the terms of this agreement.

• There is a lack of cooperation or commitment from the client.

• Finance4People may also terminate the coaching relationship for any reason at its sole discretion and

any prepaid sessions will be refunded for unused services.

8. Intellectual Property
All materials provided by Finance4People, including worksheets, guides, and tools, are proprietary and for personal use only.

• You may not reproduce, distribute, or resell these materials without prior written consent.

9. Dispute Resolution
In the event of a dispute, both parties agree to attempt to resolve the issue amicably through informal negotiation.

• If a resolution cannot be reached, disputes will be handled through mediation in accordance with local laws.

10. Governing Law
This agreement is governed by the laws of South Carolina.

11. Agreement to Terms
By engaging with Finance4People’s services, you acknowledge that you have read, understood, and agree to these Terms and Services.

Contact Information 

Finance4People

Email: Finance4PeopleCoach@gmail.com

Facebook: https://www.facebook.com/Finance4People/ 

Payment Agreement
Effective Date: 12/01/2024

This Payment Agreement outlines the terms and conditions for payments for services provided by Finance4People.

1.     Payment Terms
• All fees for services will be disclosed and agreed upon before booking any sessions.
• Payment is due at the time of booking, unless otherwise specified in a payment plan.
• Accepted payment methods: Credit Card, PayPal.

Fees
• Consultation: Free

• Individual 30 Minute Session: $30 per session.

• Individual 60 Minute Session: $55 per session.

• Coaching Packages: $100 for Four 30 Minute Sessions or $180 for Four 60 Minute Sessions

.
• Additional Services: Fees for additional services will be disclosed before service is provided.

2.     Payment Plans (if applicable)
For coaching packages or extended services, payment plans may be offered. Details will be agreed upon prior to booking and will include:
• Amount of each installment
• Due dates for each installment
• Payment methods accepted

3.     Cancellations and Refunds
• Cancellations must be made at least 24 hours before the scheduled session to avoid a $25.00 cancellation fee.
• Refunds are not provided for sessions that have already been completed.
• Prepaid sessions may be refunded if the client decides to terminate coaching, minus any cancellation fees.

4.     Late Payments
• Late payments may result in the suspension of services until payment is received.
• If payments are not made by the due date, services will be terminated until the account is brought up to date.

5.     Client Responsibility
By booking and attending coaching sessions, the client agrees to these payment terms. Failure to make payments or adhere to payment schedules may result in termination of services.