Terms of Service
Effective Date: January 5, 2026
Welcome to KPW Financial Coaching, LLC ("we", "us", "our"). By accessing or using our website at www.kpwfinancialcoaching.com (or successor and subsidiary URLs) (collectively, the "Site"), you agree to the following terms and conditions ("Terms"). Please read these Terms carefully before using the Site.
1. Acceptance of Terms
By accessing or using the Site, you agree to comply with and be bound by these Terms. If you do not agree with any part of the Terms, please do not use the Site. You represent that all information you provide to us is accurate and complete and that you will not use the Site for any unlawful or harmful purpose.
2. Use of the Site
Eligibility: You must be at least 18 years old to use this Site.
User Conduct: You agree to use the Site only for lawful purposes and not to engage in any conduct that could harm us or any third party.
3. No Professional Advice
The information provided through the Site and our coaching services is for educational and informational purposes only. We do not provide financial, investment, tax, accounting, or legal advice, and no content on the Site or information provided in our sessions should be interpreted as such. While we discuss financial concepts, strategies, and general principles intended to guide you in making informed financial decisions, we do not make financial decisions for you. You acknowledge you are solely responsible for your financial decisions.
4. Intellectual Property
All content on this Site, including text, graphics, logos, and images, is the intellectual property of KPW Financial Coaching, LLC or its content suppliers. You may not reproduce, distribute, or exploit any content without our express written permission.
5. Appointment Scheduling and Payments
Scheduling: You can schedule appointments through our Site using our designated scheduling system or platform, as updated or replaced from time to time.
Payments: Payment for services is handled by our third-party payment processor, and by using the Site, you agree to their terms and conditions.
6. Refunds
All sales are final upon purchase. Fees are due and payable in advance of services being rendered. Cancellation and rescheduling terms, if any, vary by service offering and are subject to the applicable contract or terms presented at time of purchase. No refunds will be applied for any missed or completed sessions.
7. Testimonials
This Site may contain testimonials or case studies from clients. These reflect real-life experiences but are unique to each client. We make no guarantees regarding specific results, outcomes, or personal achievements.
8. Indemnification
You agree to indemnify, defend, and hold us and our agents, successors, assigns, personal representatives, executors, heirs, and employees from any claims, losses, damages, liabilities, including legal fees and expenses, arising out of your use or misuse of the Site or any violation by you of these Terms.
9. Limitation of Liability
To the fullest extent permitted by law, we will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of the Site or our services. Our total liability to you for any claim arising out of or relating to these Terms or our services will not exceed the total amount paid by you to us for the coaching services giving rise to the claim. Nothing in these Terms limits liability for fraud, intentional misconduct, or any other liability that cannot be limited under applicable law.
10. Disclaimer of Warranties
The Site and all content and services provided through the Site are provided on an “as-is” and “as-available” basis without warranties of any kind, whether express or implied. We do not guarantee that the Site will be uninterrupted, error-free, secure, or free of viruses or other harmful components.
11. Privacy Policy
Your use of this Site is also governed by our Privacy Policy, which can be found at https://www.kpwfinancialcoaching.com/privacy-policy, which are incorporated herein by reference.
12. Modification of Terms
We may update these Terms from time to time. When we do, we will post the updated Terms with a new Effective Date. Changes become effective when posted. Your continued use of the Site after the updated Terms are posted constitutes acceptance of the revised Terms.
13. Governing Law
These Terms are governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions.
14. Contact Information
If you have any questions or concerns about these Terms, please contact us at:
KPW Financial Coaching, LLC
Email: kim@kpwfinancialcoaching.com