1. Introduction

Welcome to Everyday Financials. These Terms and Conditions govern your use of our services, including free consultations and any subsequent coaching programs. By scheduling a consultation or engaging with our services, you agree to these terms.

2. Scope of Services

• Everyday Financials provides financial coaching services to educate and empower clients in budgeting, debt management, savings strategies, goal setting, and general investment education.

• Coaching services do not include specific investment, legal, or tax advice. Clients should consult with licensed professionals for those services.

3. Free Consultation

• A free 30-minute consultation is offered to assess your financial coaching needs and determine the suitability of our services.

• Consultations are held virtually and subject to availability. Rescheduling requires at least 24 hours' notice.

4. Confidentiality

• Information shared during consultations and coaching sessions will be treated as confidential and will not be disclosed to third parties, except as required by law or with your explicit consent.

• Everyday Financials may use anonymized, aggregated data for research or marketing purposes, without identifying individual clients.

5. Disclaimer of Guarantees

• Everyday Financials does not guarantee specific outcomes or results. Your success depends on your individual effort, circumstances, and ability to implement strategies discussed during sessions.

• Coaching is educational and advisory in nature and does not substitute for professional financial, legal, or tax advice.

6. Client Responsibilities

• You are responsible for providing accurate and complete information during consultations and coaching sessions.

• The effectiveness of coaching services depends on your active participation and commitment to implementing agreed-upon strategies.

7. Cancellation and Rescheduling

• Free consultations and coaching sessions require a minimum of 24 hours' notice for cancellations or rescheduling. Missed appointments without notice may not be rescheduled.

8. Limitation of Liability

• Everyday Financials shall not be liable for any losses or damages resulting from decisions or actions you take based on coaching advice.

• You accept full responsibility for any financial decisions made during or after engaging with our services.

9. Amendments to Terms

• Everyday Financials reserves the right to update these Terms and Conditions at any time. Clients will be notified of significant changes before their next session or service.

10. Contact Information

If you have any questions about these Terms and Conditions, please contact:
Everyday Financials
everdayfinancialscoach@gmail.com