£150.00 GBP

 

RUTH GILBEY LTD

Financial Coaching Agreement

This Agreement is made between:

  • Ruth Gilbey Ltd (“RG”)
  • You, the Client

By purchasing financial coaching services, you acknowledge and agree to the following terms:

1. Terms of Engagement

1.1. The Client is engaging RG as a financial coach to provide coaching and mentoring services ("Services").
1.2. Financial coaching is not regulated financial advice. The Client remains responsible for their financial decisions. RG will provide education, support, and tools to empower informed financial choices.
1.3. This Agreement begins on the Effective Date and will continue unless terminated with one week’s written notice by either party.

2. Session & Cancellation

2.1. The one-off 1:1 coaching session will last approximately 60 minutes and will take place via Zoom/Skype.

2.2. Payment Policy:

  • The session must be paid in full before the scheduled session takes place.
  • If the Client is on a payment plan, the full amount must be settled before the session.

2.3. Refund Policy:

  • The Client may request a full refund within 14 days of purchase, provided that the coaching session has not yet taken place.
  • Once the coaching session has been completed, no refunds will be issued under any circumstances.

2.4. Rescheduling & Cancellations by the Client:

  • If the Client needs to reschedule, they must provide at least 24 hours’ notice before the session start time.
  • If the Client fails to attend without notice, the session will be forfeited with no refund or reschedule option.

2.5. Rescheduling & Cancellations by RG:

  • RG reserves the right to reschedule a session with at least 24 hours’ notice.
  • If RG cancels, a new session will be arranged at a mutually convenient time.

3. Duties of the Coach

3.1. RG will provide coaching services with due care, skill, and professionalism.
3.2. Due to the nature of coaching, RG does not guarantee specific results.

4. Coaching Boundaries

4.1. Financial coaching is not a substitute for financial advice, therapy, or legal services. The Client is responsible for consulting appropriate professionals when needed.
4.2. RG provides support during scheduled coaching sessions only. Outside of these sessions, the Client is responsible for their own actions and decisions.
4.3. RG does not offer emergency support. If the Client experiences a financial crisis, they should seek advice from a regulated financial adviser, accountant, or relevant professional body.

5. Client Commitment

5.1. The Client agrees to:

  • Attend scheduled sessions on time and be fully present.
  • Take ownership of their financial decisions and actions.
  • Complete any agreed-upon tasks or exercises between sessions.
  • Communicate openly and honestly with RG.
    5.2. The Client understands that coaching is a collaborative process and that progress depends on their engagement and effort.

6. Fees & Payment Terms

6.1. The Client agrees to pay £150 per session, as outlined in the Schedule of Fees.
6.2. Payment must be made in full before each session.
6.3. If the Client is on a payment plan, payments must be made as agreed.
6.4. Late Payments:

  • A 5% interest charge may apply for overdue payments.
  • RG may suspend services until full payment is received.
  • RG reserves the right to terminate this Agreement for non-payment.

7. Confidentiality

7.1. RG will keep all Client information strictly confidential.
7.2. Exceptions to confidentiality:

  • If required by law.
  • If RG believes disclosure is necessary to prevent harm.
  • If discussing anonymised insights with a coaching supervisor for professional development.

8. Data Protection & Intellectual Property

8.1. The Client’s personal data will be processed in accordance with UK GDPR.
8.2. RG retains ownership of all materials provided during coaching.
8.3. The Client may not reproduce, share, or distribute coaching materials without prior written consent.
8.4. The Client consents to coaching calls being recorded for personal review only.

9. Termination

9.1. Either party may terminate this Agreement with one week’s written notice.
9.2. Upon termination, all outstanding fees must be settled immediately.
9.3. Termination does not affect any accrued rights or obligations.

10. Liability

10.1. RG is not liable for financial losses, business losses, or decisions made by the Client as a result of coaching.
10.2. RG’s total liability is limited to the amount paid by the Client for services.

11. Governing Law

This Agreement is governed by English law. Any disputes shall be resolved in the jurisdiction of England and Wales.

12. Entire Agreement

This Agreement supersedes all prior agreements and represents the full understanding between RG and the Client.

 

 

Business Breakthrough 1-2-1

“I came into the session full of overwhelm and self-doubt and left with a clear plan and confidence that I can do this.”
 — Business  Breakthrough session client

Feel stuck, foggy, or just craving some focused time to think? Let’s talk it through.

Running a business often means carrying a lot in your head — ideas, decisions, to-do lists, worries — with very little time or space actually to process it all.

Maybe you’re…

  • Ticking things off but not feeling the momentum

  • Second-guessing your next steps

  • Juggling so many thoughts you can’t find a clear path forward

You’re not alone. It happens to all of us.

And the way through? It’s rarely doing more.
 It’s having space to pause.
 To speak your thoughts out loud.
 To untangle things with someone who really gets it.

Let’s be honest — this is why I pay for a coach, too.
 My poor husband can’t take the ear-battering when I’m in processing mode, and he’s in a completely different industry — he doesn’t run his own business, so of course, he just doesn’t get it.

But I do.

This is your space to be heard, supported, and to walk away with clarity — and a plan you actually want to follow.

This isn’t just a strategy session—it’s a pause, a reset, and a plan.

The Business Breakthrough Session is a one-off 1:1 session designed to help you reconnect with your vision, clarify your priorities, and develop a focused plan of action.

Whether you’re finding it hard to get back into your business after a slower summer, questioning your direction, or just feeling a bit flat and disconnected, this is a space to be honest, explore what’s going on, and find your way forward with support.

This is for you if…

  • You’re feeling a bit lost or flat and want to regain direction

  • You have lots of ideas but no clear plan

  • You’re running a business solo and need someone to bounce things off

  • You’re stuck in the weeds and need to zoom out again

  • You know it’s time for a reset, but you don’t want another big course or program

Here’s how it works:

✅ Pre-session questionnaire
 Before we meet, you’ll get a short but powerful set of questions to help you reflect on your business, your finances, and how you're feeling about work. (Clients often say the questionnaire alone sparks major realisations.)

✅ One-to-one session (60 minutes)
 We’ll meet on Zoom for a focused, supportive conversation tailored to you.You bring the real stuff — the tangled thoughts, tricky decisions, or big ideas that need sorting. I’ll bring clear thinking, honest reflection, and coaching that cuts through the noise.

Once you’ve completed a short questionnaire, we’ll hone in on the 1–3 areas that matter most right now. You don’t need to prepare anything else — just turn up ready to talk it out.

 

✅ Personalised summary
 After your session, I’ll send you a short summary with key takeaways and suggested next steps to help you stay on track.

What clients say:

“You helped me to get clear on what I’m doing and where I’m going.”
 — Coaching client

“You helped me find clarity and get out of the rut of ‘I don’t know what to do.’”
 — Group programme client

“You always create space for me to talk, reflect and share what’s really going on.”
 — 1:1 coaching client

“You helped me realise I don’t need to do everything at once—and that was such a relief.”
 — Coaching client

“I hadn’t realised how stuck I felt until we started talking. Thank you for creating space and asking the right questions.”
 — Coaching client

“I got off the call feeling lighter, clearer, and more focused than I’ve felt in months.”
 — Business  Breakthrough session client

You don’t have to figure it all out alone.

This session is for when you’re ready to pause, reflect, and gain clarity and direction without having to commit to a long programme.

Sometimes, one conversation really can change everything.