Terms and Conditions
Payment & Coaching Services

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Last Updated: June of 2026

 

These Terms and Conditions ("Terms") govern all coaching services, including one-on-one sessions and cohort/group sessions, provided by Nick Bromaroff, operating as a sole proprietor ("the Coach," "I," "me"), to any individual purchasing or enrolling in these services ("Client," "you"). By making a payment and enrolling in any program, you agree to the Terms outlined below.

 

Nature of Services

 

I am a financial mindset coach. I am **not** a licensed financial advisor, accountant, or any other licensed financial professional. I do not provide financial advice, investment direction, or management of your personal finances.

 

My role is to coach and guide you toward making better financial decisions of your own volition, using mindset coaching, accountability, and educational tools (including spreadsheet templates) that I provide.

 

Any decisions you make regarding your personal finances, investments, debt, or money management remain entirely your own responsibility. If you require licensed financial, legal, or tax advice, you are responsible for seeking that assistance from an appropriately licensed professional. I will not be held liable for any financial outcomes, losses, or decisions made as a result of coaching provided under this program.

 

Payment Structure

 

All coaching programs (one-on-one and cohort) are offered on a **one-time payment basis only**. Payment is due in full prior to your first scheduled session. No installment or recurring payment plans are offered at this time.

 

Refund Policy

 

- **No refunds** will be issued once the first session has been completed following payment.

- If you are unable to attend a scheduled session due to an emergency or unavoidable appointment, you must notify me a **minimum of 24 hours before your next scheduled session**.

- In the case of a genuine emergency, the affected Client is entitled to reschedule the missed session(s) at a mutually agreed time.

- If a Client misses multiple sessions due to ongoing emergencies and is unable to continue or complete the program, a **partial refund** may be issued at my discretion, based on the number of sessions completed versus sessions remaining.

- Failure to provide the required 24-hour notice for a missed session, without a qualifying emergency, may result in forfeiture of that session with no rescheduling or refund.

 

Cancellations and Rescheduling

 

- Sessions must be rescheduled with a minimum of 24 hours' notice wherever possible.

- Repeated late cancellations or no-shows without notice may affect your continued eligibility for rescheduling accommodations under this policy.

- I reserve the right to reschedule or adjust session times in the event of my own unforeseen circumstances, and will provide as much notice as possible when this occurs.

 

Client Responsibilities

 

By enrolling, you acknowledge that:

 

- The results of this coaching program depend significantly on your own effort, consistency, and follow-through between sessions.

- I do not guarantee specific financial outcomes, savings amounts, or results, as these depend on factors outside of my control, including your personal financial circumstances and actions.

- Any tools, templates, or spreadsheets provided are for your personal use only and are not to be redistributed, resold, or shared outside of your own household without permission.

 

Confidentiality

 

Any personal or financial information you choose to share with me during coaching sessions will be kept confidential and will not be shared with third parties, except where required by law.

 

Limitation of Liability

 

To the fullest extent permitted by law, I am not liable for any indirect, incidental, or consequential damages arising from participation in this coaching program, including but not limited to financial loss, missed opportunities, or decisions made based on coaching discussions. Coaching is provided for educational and motivational purposes only and does not replace professional financial, legal, or tax advice.

 

Governing Law

 

These Terms shall be governed by and interpreted in accordance with the laws of Canada. Any disputes arising from these Terms or the services provided shall be resolved under Canadian jurisdiction.

 

Changes to These Terms

 

I reserve the right to update or modify these Terms at any time. Continued enrollment or participation in coaching services following any changes constitutes acceptance of the updated Terms.

 

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Acknowledgment

 

By submitting payment for any coaching program (one-on-one or cohort), you confirm that you have read, understood, and agreed to these Terms and Conditions in full.