RUTH GILBEY LTD

3-Month Financial Coaching Programme Agreement

This Agreement is made between:

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

By purchasing this 3-month financial coaching programme, 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 a 3-month coaching programme ("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 for three months unless terminated earlier under Section 9.

2. Programme Details & Sessions

2.1. The programme includes:

• Six (6) private coaching sessions (approximately 60 minutes each, via Zoom/Skype).
• Personalised financial guidance, tools, and resources tailored to the Client’s needs.
• Support via email or messaging between sessions (see Section 5).
  2.2. If the Client cannot attend a session, they must provide at least 24 hours’ notice to reschedule. Missed sessions without notice may not be rescheduled.

3. Fees & Payment Terms

3.1. The total programme fee is £1,300.
3.2. The Client may choose:

• Full payment: £1,300 upfront.
• Payment plan: Three (3) monthly payments of £440 each.
  3.3. Payment must be made before the first session (for full payments) or before each monthly cycle (for payment plans).
  3.4. Late Payments:
• A 5% interest charge may apply to overdue payments.
• RG reserves the right to pause coaching sessions until payments are up to date.
• RG may terminate the Agreement for non-payment.

4. Refund & Cancellation Policy

4.1. The Client has 14 days from the date of purchase to request a full refund, provided that no coaching sessions have taken place.

4.2. If the Client has already attended a session within the first 14 days, they will no longer be eligible for a full refund. However, they may request a partial refund based on the remaining unused sessions. The refund amount will be calculated pro-rata based on the sessions used.

4.3. After 14 days, all payments are non-refundable. If the Client is on a payment plan and cancels after 14 days, they will not owe future payments, but past payments will not be refunded.

4.4. If RG cancels the programme due to unforeseen circumstances, the Client will receive a pro-rata refund for unused sessions.

5. Coaching Boundaries & Communication

5.1. Financial coaching is not a substitute for financial advice, therapy, or legal services.
5.2. The Client will receive email support between sessions (responses within 48 hours during business hours).
5.3. Coaching support is provided within reasonable working hours (Monday–Friday). RG does not offer emergency financial support.

6. Client Commitment

6.1. The Client agrees to:

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

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 coaching materials.
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. If the Client terminates after 14 days, past payments are non-refundable, and no future payments will be required.
9.3. If RG terminates the Agreement, a pro-rata refund will be provided for unused sessions.

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.