Terms and Conditions

Last updated: 9/16/25

Welcome to Talcott Financial Coaching (“Coach,” “we,” “us,” or “our”). By accessing our website, enrolling in our coaching programs, or participating in any of our services, you (“Client,” “you,” or “your”) agree to be bound by the following Terms and Conditions. Please read carefully.

1. Scope of Services

Talcott Financial Coaching provides educational financial coaching designed to help individuals understand their financial situation, clarify goals, and develop strategies to achieve them. Our services may include:

  • Budgeting systems and debt management strategies

  • Savings and net worth planning

  • Money habits, mindset, and values alignment coaching

  • General education on financial concepts

Important: We are not licensed attorneys, accountants, insurance agents, or investment advisors. We do not provide legal, tax, or investment advice. All actions taken by you are your sole responsibility.

2. Client Responsibilities

  • Provide accurate and truthful information about your financial situation.

  • Actively participate in coaching, complete paperwork, and follow agreed-upon steps.

  • Communicate openly about changes in your financial circumstances.

  • Understand that coaching is a collaborative process, but implementation is your responsibility.

If married, both spouses must attend sessions together. Sessions will be rescheduled if both are not available.

3. Payment Terms

  • Payment is due as outlined in the chosen program (e.g., Build 180° Financial Plan, Budget Bootcamp).

  • All payments are processed automatically by the card on file.

  • Coaching is a fee-for-time service; no refunds will be issued for unused sessions or early termination.

  • If payment fails, services may be suspended until resolved.

4. Session Scheduling & Cancellations

  • Sessions are scheduled through Calendly and held virtually or at an approved business location (never private homes).

  • At least 24 hours’ notice is required to cancel or reschedule.

  • No-shows or cancellations within 24 hours are subject to a $50 fee, automatically charged to your card on file.

5. Program Timelines & Deliverables

  • All sessions must be completed within the program timeline (90 days for Budget Bootcamp, 6 months for Build 180°).

  • Missed sessions or delays will not extend the program.

  • Complimentary access to tools (e.g., Monarch Money, ProjectionLab) is included only during the active term. Access ends if you do not renew.

6. Guarantee

We stand behind our coaching. For the Build 180° Program only:

  • If you complete the 6-month program and do not achieve at least a $3,000 net worth increase (via debt reduction, savings, or investments), we will continue coaching at no additional charge until you do. This guarantee does not apply to the 90-day Budget Bootcamp.

Guarantee applies only if:

  • You complete the full program term.

  • You attend all sessions.

  • You complete assigned action steps.

7. Confidentiality

All information shared during coaching will be kept strictly confidential, except where disclosure is required by law or with your written consent.

8. Indemnification

You agree to indemnify and hold harmless Talcott Financial Coaching, its employees, agents, and affiliates from any claims, damages, or losses resulting from your use of coaching services, decisions made, or actions taken.

9. Limitation of Liability

  • Coaching is educational support only and results vary by individual.

  • We do not guarantee specific outcomes such as debt payoff, savings levels, or investment returns.

  • Talcott Financial Coaching shall not be held liable for financial losses, legal actions, or other consequences of your decisions.

10. Marketing Consent

By engaging in coaching, you grant permission for Talcott Financial Coaching to use your testimonial(s), story, results, name, image, or likeness in marketing materials.

  • Sensitive financial details will never be shared without consent.

  • You may revoke future use in writing, but past use cannot be undone.

  • No additional compensation is provided beyond any agreed incentive.

11. Website & Cookie Policy

Our website may use cookies and third-party integrations (such as Calendly) to enhance your experience and manage bookings. By using our website, you consent to the use of cookies. You can adjust preferences in your browser settings.

12. Governing Law

These Terms are governed by the laws of the State of Montana. Any disputes will be handled exclusively in the courts of Montana.

13. Amendments

We may update these Terms at any time. Updates will be posted on our website, and continued use of services constitutes acceptance of the new Terms.

14. Contact

For questions regarding these Terms, contact:
kevin@talcottfinancialcoaching.com