Terms and Conditions

Terms and Conditions for Anderson Financial Coaching Ltd

1. Introduction. These terms and conditions ("Terms") govern the relationship between Anderson Financial Coaching Ltd ("Anderson Financial Coaching", "we", "us", or "our") and our clients who use our financial coaching services. By using our services, you agree to these Terms.

2. Services. We provide financial coaching services to our clients, which includes providing financial advice, education, and coaching. We do not provide investment advice, tax advice, or legal advice. Our services are designed to help our clients improve their financial literacy, develop financial goals, and create a financial plan to achieve those goals.

3. Client responsibilities. Clients are responsible for providing accurate and complete information about their financial situation, goals, and objectives. Clients are also responsible for implementing the financial plan we create for them, including taking any necessary action to achieve their financial goals.

4. Fees. Clients are responsible for paying fees for our services as set out in our fee schedule, which is available on our website. All fees must be paid in advance, and we reserve the right to suspend or terminate services for non-payment.

5. Cancellations and rescheduling. Clients may cancel or reschedule appointments with at least 24 hours' notice without penalty. Cancellations or rescheduling with less than 24 hours' notice may result in a cancellation fee.

6. Confidentiality. We will keep all client information confidential and will not disclose it to any third parties without the client's express written consent, except where required by law.

7. Intellectual property. All intellectual property rights, including copyrights and trademarks, in the material provided by us, belong to us or our licensors. Clients are not permitted to reproduce, distribute, or share any material provided by us without our express written permission.

8. Limitation of liability. We will not be liable for any loss or damage that may arise from the use of our services, including but not limited to, any indirect, incidental, or consequential damages. Our liability will be limited to the amount paid by the client for our services.

9. Indemnification. Clients agree to indemnify and hold us harmless from any claims, damages, or expenses arising from their use of our services.

10. Digital sessions. We may conduct coaching sessions with clients through videoconferencing software, such as Zoom. We will take reasonable steps to ensure the security and privacy of all Zoom sessions. However, clients are responsible for ensuring they have a secure and private internet connection and for taking appropriate steps to secure their own devices.

11. Governing law and jurisdiction.These Terms shall be governed by and construed in accordance with the laws of Scotland. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the Scottish courts.

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By using our services, the client agrees to these Terms.