GO FROM BROKE 1-on-1 Coaching Terms & Conditions
Last Updated: September 2026

General Purpose
These Terms & Conditions ("Terms") govern your participation in 1-on-1 financial coaching services offered by Natalie Graham, doing business as Go From Broke, LLC ("Coach," "we," "us," "our"). By purchasing or participating in coaching services, you ("Client," "you," "your") agree to these Terms. Services may be delivered via video conferencing, telephone, or other agreed-upon methods.

Scope of Services
Coaching services begin on the date indicated in your Welcome Email after your first payment is received. These Terms apply to all Go From Broke coaching packages. The specific package, session frequency, and duration (one-time or ongoing) you've selected were confirmed at booking and are incorporated into these Terms by reference.

Payment & Billing
By providing your payment method, you authorize Go From Broke, LLC to charge that payment method for all fees related to your coaching services, per the rate and billing schedule confirmed at booking. All fees are in USD.
For one-time packages, the first payment is non-refundable, as it secures your spot and covers administrative costs including any referral fees and initial setup.
For ongoing monthly packages, your card will be charged automatically each billing period until the engagement ends per the terms below.
If a scheduled payment is missed, coaching sessions will be paused until your balance is brought current.

Client Responsibilities
To get the most from coaching, you agree to:

Coach Responsibilities
We are committed to:

Scheduling & Engagement
After your initial session, we'll establish a recurring appointment at your selected frequency and a time that works for your schedule. This removes the friction of week-to-week scheduling and keeps momentum going.
You may reschedule with at least 48 hours' notice. Availability for rescheduled sessions cannot be guaranteed.
This coaching relationship requires active participation. If there has been no contact for 30 consecutive days—including missed appointments without rescheduling or failure to respond to communication—your spot will be released and the engagement will be considered complete. For one-time packages, any remaining balance will still be due. For ongoing packages, billing will stop as of that date going forward.

One-time packages are complete once all included sessions have been delivered.

Ongoing packages continue on a month-to-month basis until ended by either party, per the terms below.

Between-Session Support
Limited async support via email is available between sessions for brief questions or check-ins. Email is the appropriate channel for all coaching-related communication. We cannot monitor social media or other channels for client messages.

Session Recordings
Neither party may record coaching sessions without the explicit prior consent of the other. If you wish to record a session for your own reference, please request permission in advance. We will do the same.

Nature of Coaching Services
Financial coaching is a professional relationship focused on helping you develop skills, strategies, and systems to manage your money more effectively. We provide education, accountability, and support around budgeting and behavioral patterns related to money. Where our work draws on frameworks like Sacred Money Archetypes, behavioral patterns, or other lenses, these are offered as tools for reflection and self-recognition, not diagnostic assessments or predictions.
IMPORTANT: We are not financial advisors, investment advisors, tax professionals, or attorneys. We do not provide:

If you need any of these specialized services, we're happy to help you identify appropriate licensed professionals.

Confidentiality
We agree to protect and safeguard any confidential information you share during coaching, including your financial situation, goals, and personal circumstances. We will:

This confidentiality obligation survives termination of our coaching relationship.

Consent to Use Testimonials
By submitting reviews, testimonials, or feedback to us (whether on social media, review sites, or directly), you grant us permission to use your submissions for business purposes, including marketing materials and our website. We may use your first name along with your submission. If you'd prefer your submission to be anonymized or for identifying financial details to be omitted, just let us know and we will honor that request.

Independent Contractor Relationship
Our relationship is that of independent contractor and client, not employer-employee or business partnership. You are solely responsible for how you implement any coaching guidance in your own financial life.

No Guarantees
Coaching services are provided on an "as-is" basis. While we are committed to supporting your financial growth, we make no guarantees about specific financial outcomes or results. Your success depends on your own effort, follow-through, and circumstances.

Refund Policy
For one-time packages, the first payment is non-refundable as it secures your commitment and covers administrative costs. Because coaching services are delivered in real time and we turn away other clients to hold your spot, we do not offer refunds once coaching has begun. If you choose to discontinue before all sessions are complete, any remaining balance on a payment plan will still be due.
For ongoing packages, you may cancel per the notice terms in your Coaching Agreement. Charges already billed for the current period are non-refundable.

Chargebacks
By attempting a chargeback with your financial institution, you expressly agree to pay the full cost of your original purchase plus any fees or costs incurred. We reserve the right to present these Terms to your financial institution or investigating agency in connection with any chargeback dispute.

Termination
We may terminate your access to coaching services at any time for any reason, including non-payment, violation of these Terms, or inappropriate behavior. You are responsible for any charges incurred prior to termination.
You may choose to end the coaching relationship at any time, per the terms confirmed at booking, but you remain responsible for any outstanding balance owed as of the date of termination.

Limitation of Liability
To the maximum extent permitted by law, Go From Broke, LLC and Natalie Graham are not liable for any damages arising from your participation in coaching services, including but not limited to financial losses, business losses, or other damages. Our maximum liability for any claims shall be limited to the actual amount you paid for coaching services.

Dispute Resolution
Any disputes that cannot be resolved amicably will be handled through binding arbitration in accordance with the rules of the American Arbitration Association. Arbitration will be held in Pima County, Arizona. Both parties will equally share the costs of arbitration.

Choice of Law
These Terms are governed by the laws of the State of Arizona.

Severability
If any provision of these Terms is found to be invalid or unenforceable, all other provisions remain valid and enforceable.

Changes to Terms
We reserve the right to update these Terms at any time. Your continued participation in coaching after updates indicates your acceptance of the changes.

Notices
We will provide notice via email at the address you provide during registration. You may reach us at contact@gofrombroke.com. Notices sent by email are effective when sent.

Entire Agreement
These Terms, together with your Coaching Agreement, constitute the entire agreement between us regarding coaching services and supersede all prior agreements or understandings.