Welcome to HarMoney Wellness! These Terms and Conditions outline the rules and expectations for using our financial coaching services. By engaging with our services, you agree to these terms.

1. Services Provided

HarMoney Wellness offers:
 

• Personal and Group Financial Coaching

• Personalized Money Planning

• Budgeting Tools and Templates

• Financial Education Workshops and Webinars

• Resource and Referral Support

Note: HarMoney Wellness provides coaching and educational support only. We do not offer legal, tax, or investment advice.

2. Client Responsibilities

To benefit from coaching, clients agree to:
 

• Participate actively in sessions

• Complete assigned homework and tools

• Share accurate and current financial information

• Maintain respectful communication with the coach

3. Confidentiality

We take your privacy seriously:
 

• Client information is stored securely and shared only with explicit consent

• We use Google Drive/Sheets for file sharing and expect clients to maintain access control

• All discussions during coaching sessions are confidential

4. Session Policies
 

• Sessions are by appointment only (in-person or via video conference)

• Payment is due before the scheduled session

• Cancellations must be made at least 24 hours in advance or the session fee may be forfeited

• No home visits will be conducted for privacy and safety reasons

5. Fees and Payment
 

• Coaching and planning sessions are billed at agreed-upon rates

• Payment methods: PayPal, Venmo, Credit/Debit Card, Cash, Check

• Receipts will be provided upon request

6. Scope of Coaching

Coaching is not financial advising and does not include securities trading, legal counsel, or CPA services
We will refer clients to licensed professionals when needed (tax, legal, insurance, investing)

7. Results Disclaimer

Financial outcomes vary. While we provide tools, structure, and support:

• We cannot guarantee specific financial results

• Your progress depends on personal effort and follow-through

8. Intellectual Property

All coaching materials, tools, templates, and branded resources are the intellectual property of HarMoney Wellness. You may use them personally, but not reproduce or share them without permission.

9. Code of Conduct

We reserve the right to discontinue services if a client:

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• Is consistently non-participatory

• Engages in inappropriate behavior

• Fails to comply with agreed-upon expectations

10. Changes to Terms

HarMoney Wellness may update these terms occasionally. Updates will be posted on our website and communicated via email if applicable.