Terms and Conditions for Wealthcraft Financial Coaching Services
1. Wealthcraft Financial Advice Disclaimer
Wealthcraft Financial Coaching Services operates strictly as an educator and coach and does not hold any licence as a financial advisor or investment professional.
The Client acknowledges that the Coach is not a Licensed Financial Advisor, Accountant, or Attorney. Coaching services are provided solely for educational and informational purposes. No information given should be considered as investment, tax, or legal advice. The Client is responsible for all financial decisions and is advised to consult a licensed professional before making significant changes to their financial portfolio.
Nature of Service: The Client recognises that the Coach provides financial coaching, which is an educational and behavioural service. The aim is to help the Client set and achieve goals, create budgets, understand financial concepts, and improve financial habits for a more secure financial future.
No Investment or Legal Recommendations: The Coach will not:
Provide specific investment recommendations (for example, "You should buy Apple stock" or "Invest in this specific managed fund").
Execute financial transactions on behalf of the Client.
Provide legal or tax advice.
Offer formal "debt settlement" or "credit repair" services as defined by regulations governing those industries.
2. Scope of Services
Wealthcraft Financial Coaching Services provide a range of personal financial coaching packages tailored to each client's individual needs. Every coaching relationship starts with an initial discovery consultation, after which clients may choose to proceed with additional coaching and guidance relevant to their circumstances. Coaching services are normally conducted in a face-to face environment. Details of all financial coaching packages can be found under the ‘our services’ tab on the Wealthcraft Website.
What’s Included: The ‘What’s included’ section on the Wealthcraft website provides details about each coaching package, including the number of individual sessions, session duration (such as 60 minutes), service costs, and available communication methods (face-to-face, phone, email, or Zoom/Teams).
What’s Excluded: Wealthcraft Financial Coaching Services do not manage clients’ money, execute trades, or provide specific stock selections.
Exclusions: Any service not explicitly mentioned in the chosen Program description is not included.
Additional Services: Clients who require help with a specific financial issue can access personalised consultations tailored to their situation.
An initial 60-minute session private consultation is booked with the coach.
In this session details of the financial issue are discussed and a way forward recommended to the client.
If the client’s issue cannot be resolved during the initial consultation, additional sessions may be required to find a suitable solution.
Fees for these services are negotiated on a price-on-arrangement (POA) basis, depending on the complexity of the support required by the client.
Personal Finance Workshops: Workshops are available for clients to book and are conducted on-demand once a minimum number of participants required to run the session, have registered. These sessions cover topics such as financial psychology, budgeting, investment basics, savings strategies and debt management providing understanding through group interaction. Workshop fees are listed on the Wealthcraft website, and bookings can be made through the website once dates and details are released. Wealthcraft can also be emailed with an expression of interest.
3. Payment and Refund Policy
Payment Terms: Fees for all Wealthcraft coaching packages are listed on the Wealthcraft website under the ‘our services’ tab. Payment is required either upfront or by instalments at the time of booking through the scheduling page for the term of the chosen coaching package. Clients may also book additional coaching sessions if needed.
Upfront payment: Full upfront payment is required for the Initial Discovery Consultation ($300).
Payment by instalments: For your convenience, the 10-Week Tailored Coaching Program and the 12-Month Support Coaching Program can be paid per session (fortnightly/monthly) or clients may choose to pay the total fee upfront for all sessions.
Validity for using initial discovery consultation data: Clients have a maximum of three months to select a follow-on coaching package. After this period, any previously recorded data for this service will lapse, and clients will need to book and pay for a new initial discovery session.
Payment for any additional coaching sessions: On completion of a Wealthcraft Coaching Program, the standard coaching rate of $300 per/ hr applies for extra sessions. Clients may wish to switch to a subscription-based payment model if they feel they need on-going support.
Payment for ad hoc coaching services: Fees for these services are negotiated as POA and depend on the complexity of the financial issue. These sessions are for clients who require assistance with a particular matter and may not wish to commit to a full coaching program.
Refunds: Wealthcraft Financial Coaching maintains a "No Refund" policy for sessions that have been completed.
Late Fees: A 10% penalty is applied to invoices that are overdue by more than seven days.
Booking Financial Coaching Sessions: All sessions must be booked online through the booking tab, with payment required at the time of booking.
Group Sessions: Personal financial workshops require a minimum number of participants to be registered prior to being conducted by Wealthcraft Financial Coaching.
4. Cancellation and Rescheduling
The 48-Hour Rule: Clients must provide at least 48 hours’ notice to cancel or reschedule coaching sessions. If cancellations or no-shows occur with less than 48 hours’ notice, the client will forfeit their fees and will not receive a refund. Exceptions to this policy for emergencies will be considered on a case-by-case basis.
Agreement: By booking a session, clients indicate their agreement with this cancellation policy.
No-Show Policy: Clients who miss appointments without providing notice will forfeit their fees and no refunds will be issued.
· Termination of coaching services: Either party may terminate this Agreement at any time via written notice (email satisfies this requirement).
If terminated by the Client, no refunds for remaining pre-paid sessions will be issued. Exceptions to this policy for emergencies may be considered on a pro-rata basis.
If terminated by the Coach due to the Client’s breach of this agreement (e.g., non-payment, abusive behaviour), no refunds will be issued.
Dispute Resolution: Any disputes or disagreements with Wealthcraft Financial Coaching Services will initially be addressed at the lowest level. If a resolution cannot be reached, both parties agree to use mediation before pursuing legal action.
5. Client Responsibility & Results
Acknowledgment: Clients understand that their financial results depend on their own actions, commitment to following their tailored plan and on external market factors. The Coach provides tools and guidance, but cannot guarantee any specific financial outcomes, debt reduction amounts, or increases in credit scores.
6. Confidentiality and Data Protection
Wealthcraft Financial Coaching is committed to maintaining client confidentiality and protecting data. Any information disclosed between Wealthcraft Financial Coaching and the client is not resold, shared, or used for other commercial purposes. All client data is securely backed up and stored by a third party at an off-site location.
Privacy: All client data is kept strictly confidential and stored securely.
Exceptions: Wealthcraft Financial Coaching is legally obliged to report intent to harm oneself or others, or certain criminal activities.
Academic Research: Wealthcraft may use non-personal data (such as financial behaviours, attitudes towards debt or savings, general goals, session attendance, and group financial opinions from workshops) for academic research or publication. All data will be generalised, and clients can request that their information not be included.
7. Intellectual Property (IP)
All materials provided to the Client by the Coach, including but not limited to budget spreadsheets, worksheets, guides, and workbooks, are the exclusive intellectual property of the Coach.
These materials are provided for the Client’s personal, non-commercial use only. The Client agrees not to reproduce, resell, distribute, or share these materials with third parties without the Coach’s express written consent.
Clients may retain these materials for their personal use during and after the coaching engagement. All intellectual property rights remain with Wealthcraft Financial Coaching.
Usage Rights: All materials, whether digital or physical, are intended for personal use only by the client. They must not be resold, shared, or utilised for commercial purposes.
8. Limitation of Liability
To the fullest extent permitted by law, the Client agrees that the Coach’s total liability for any claim arising out of this Agreement shall not exceed the total amount paid by the Client to the Coach under this Agreement. In no event shall the Coach be liable for indirect, incidental, or consequential damages resulting from the Client's financial decisions.