Policies, Proceedures, and Agreement to Participate in Financial Coaching

New financial coaching clients will need to complete the New Client Intake Form which includes acknowledging the policies and procedures below and accepting the Agreement to Participate in Financial Coaching.

Page is current as of October 11, 2021

Policies and Proceedures

Coaching Session Appointments

Financial coaching sessions are by appointment only and subject to availability. It is your responsibility to schedule appointments or notify me if you are unable to find adequate scheduling availability. Coaching sessions are conducted over the telephone or over a web video chat service including, but not limited to, Skype, Zoom, or Google Meet. It is your responsibility to select the method of communication (telephone or over a web video chat) and initiate the telephone call or join the scheduled web meeting at the scheduled appointment time.

Payment

Payment is due at the end of each coaching session. You will be sent an email with a link to pay by credit card (Visa, MasterCard, Discover, or American Express) or direct debit from your bank account. If for any reason, you are not satisfied with the quality of your first financial coaching session and say so during or upon conclusion of our first financial coaching session, no fee will be due, the client-coach relationship will end, and you cannot schedule future appointments with me.

Cancellation Policy

24 HOURS NOTICE IS REQUIRED FOR ALL CANCELLATIONS. It is your responsibility to notify me of a cancellation at least 24 hours in advance of the scheduled session. This allows me adequate time to schedule another client in your time slot. Any appointment canceled with less than 24 hours notice will be billed at full price. I do take into consideration exceptions for sudden illness or emergencies. Also, reminder email messages, text messages, or calls are a courtesy. Should I fail to give or should you fail to receive a reminder, you are still responsible for paying a cancellation fee if you miss your appointment or fail to give 24 hours notice prior to cancellation.

Privacy Policy and Limitations

I will not disclose ANY client information without written consent, UNLESS disclosure is required to protect your welfare, the welfare of others, or is required by law. When disclosure is required, only the information that is essential is revealed, and you will be informed of such disclosure. This policy extends beyond the termination of the Client-Coach Relationship. CLIENT-COACH COMMUNICATIONS ARE NOT SUBJECT TO THE PROTECTION OF ANY LEGALLY RECOGNIZED PRIVILEGE.

Financial Coaching for Couples and “No Secrets” Policy

A couple participating in financial coaching is considered to be the “Client” in the Client-Coach Relationship and for the Financial Coaching Agreement. Each participating member of the couple must submit a separate New Client Intake Form, identifying their significant other as the other participating member of the client couple.

I adhere to a “No Secrets” policy, meaning no information will be withheld from either of the participating members of a client couple. Acceptance of this policy serves as your consent to disclose any and all information you provide to the person you identify as your significant other. Revoking this consent terminates the existing Client-Coach Relationship and requires a new agreement for individual financial coaching.


Agreement to Participate in Financial Coaching

You (Client) agree to enter into a Client-Coach Relationship with me (Dylan L. Ross, Coach) for financial coaching as described above and subject to the terms below.

Client-Coach Relationship

Financial Coaching is a collaborative, educational process to evaluate your current financial situation and educate on how to meet financial goals and may include recommendations for specific courses of action. You have the absolute right to accept, decline, or make a counteroffer to any coaching request. As the client, you are solely responsible for creating and implementing your own financial, physical, mental, and emotional well-being decisions, choices, actions, and results arising out of or resulting from the coaching relationship. As your coach, I am not and will not be liable or responsible for any actions or inaction, or for any direct or indirect results of financial coaching.

FINANCIAL COACHING DOES NOT INVOLVE THE DIAGNOSIS OR TREATMENT OF MENTAL DISORDERS AND COACHING IS NOT TO BE USED AS A SUBSTITUTE FOR MENTAL HEALTH COUNSELING, PSYCHOTHERAPY, OR PSYCHOANALYSIS, AND THAT IT IS THE CLIENT’S EXCLUSIVE RESPONSIBILITY TO SEEK SUCH INDEPENDENT PROFESSIONAL GUIDANCE AS NEEDED.

FINANCIAL COACHING IS NOT A GUARANTEE OR PROMISE OF FINANCIAL IMPROVEMENT, INCREASE IN WEALTH, OR AVOIDANCE OF FINANCIAL LOSS, AND FINANCIAL COACHING IS NOT, ACCOUNTING, TAX ADVICE, LEGAL ADVICE, OR INVESTMENT ADVICE.

Fees and Billing

The price for a 60-minute financial coaching session is $155. Payment is due upon the conclusion of each session.

Future Price Increases

Coach will provide Client notice of future price increases at least 2 months prior to the new price taking effect.

Notification

Notifications to Coach shall be made to http://dylanlross.com/contact/ or to dylan@dylanlross.com. Notifications to Client shall be made to the email address provided in this New Client Intake Form.

Termination

Either party may terminate the Client-Coach Relationship at any time and for any reason by notifying the other.

Limitation of Liability

EXCEPT AS EXPRESSLY PROVIDED IN THIS AGREEMENT, THE COACH MAKES NO GUARANTEES, REPRESENTATIONS OR WARRANTIES OF ANY KIND OR NATURE, EXPRESS OR IMPLIED WITH RESPECT TO THE COACHING SERVICES NEGOTIATED, AGREED UPON AND RENDERED. IN NO EVENT SHALL THE COACH BE LIABLE TO THE CLIENT FOR ANY INDIRECT, CONSEQUENTIAL OR SPECIAL DAMAGES.

NOTWITHSTANDING ANY DAMAGES THAT THE CLIENT MAY INCUR, THE COACH’S ENTIRE LIABILITY UNDER THIS AGREEMENT, AND THE CLIENT’S EXCLUSIVE REMEDY, SHALL BE LIMITED TO THE AMOUNT ACTUALLY PAID BY THE CLIENT TO THE COACH UNDER THIS AGREEMENT FOR ALL COACHING SERVICES RENDERED THROUGH AND INCLUDING THE TERMINATION DATE.

Miscellaneous

This Agreement constitutes the entire understanding and agreement of the parties, and any and all prior agreements, understandings, and representations are hereby terminated and canceled in their entirety and are of no further force and effect.

If any provision of this Agreement is deemed illegal or unenforceable, that provision is severed from the Agreement and the other provisions remain in force.

This Agreement shall be governed, construed, and enforced in accordance with the laws of the State of Maryland.


Acknowledging these policies and procedures and accepting the financial coaching agreement is done when completing the New Client Intake Form.