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.