1.1 These Terms and Conditions (“Terms”) constitute a legally binding agreement between you (“Client”) and The YNAB Coach, Chelsea Alventosa (“Coach”, “I”, “me”, “my”) in relation to coaching services and programs (“Services”).

1.2 By purchasing or using the Services, you confirm that you have read, understood, and agree to be bound by these Terms.

1.3 If you do not agree to these Terms, you must not purchase or use the Services.

2.1 You must be at least 18 years old to use the Services.

2.2 I provide coaching services to clients globally. You acknowledge that:

2.3 The governing law of this agreement is England and Wales, and you agree that any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales, regardless of where you are located.

3.1 Coaching is a collaborative, educational process designed to support personal finance and budgeting outcomes. It does not constitute financial advice, legal advice, tax advice, or therapy.

3.2 No specific results are guaranteed.

3.3 You remain solely responsible for your financial decisions, actions, and outcomes.

4.1 Fees are as stated at the time of purchase and must be paid in full at the time of booking unless otherwise agreed in writing.

4.2 Payments are non-transferable unless explicitly agreed by me.

4.3 I reserve the right to refuse, suspend, or terminate Services if payment is not received when due.

5.1 Coaching packages must be used within the following timeframes from the date of purchase:

5.2 Any unused sessions after the applicable expiry period will automatically expire and are forfeited. No refund will be due for unused Services after expiry.

5.3 It is your responsibility to schedule and attend sessions within the validity period.

6.1 If you fail to respond to communication, schedule sessions, or engage with the Services for a continuous period of 60 days or more, I may treat the Services as abandoned.

6.2 In the event of abandonment, I reserve the right to terminate Services without refund for unused sessions.

7.1 Sessions must be booked in advance and are subject to availability.

7.2 If you are more than 10 minutes late, the session may be considered a no-show and will not be rescheduled.

7.3 Cancellations or rescheduling must be made at least 24 hours in advance.

7.4 Late cancellations or no-shows may result in the session being forfeited without refund.

8.1 Refunds are only provided where explicitly stated at the point of purchase or where required by law.

8.2 Unless otherwise stated:

8.3 Nothing in these Terms affects your statutory rights.

9.1 You agree to:

9.2 Delays caused by your failure to respond or act will not be my responsibility.

10.1 I will treat all client information shared during coaching as confidential.

10.2 Confidential information will not be disclosed to third parties except where:

11.1 All materials provided remain my intellectual property unless otherwise stated.

11.2 You are granted a personal, non-transferable licence to use materials for your own personal use only.

12.1 I provide Services on an “as is” basis and do not guarantee outcomes.

12.2 To the maximum extent permitted by law, I am not liable for:

12.3 Nothing in these Terms excludes liability for fraud or personal injury caused by negligence where such exclusion is prohibited by law.

13.1 Either party may terminate this agreement with written notice.

13.2 If terminated by you, you will remain responsible for payment for Services already delivered.

13.3 If terminated by me due to breach of these Terms, no refund will be due for unused Services.

I am not liable for delays or failure to perform caused by events beyond my reasonable control.

These Terms constitute the entire agreement between us and supersede any prior agreements or understandings.

These Terms are governed by the laws of England and Wales.

If any provision is found unenforceable, the remaining provisions will continue in full force.