Terms of Service

Review the policies for using my website and services.

Disclaimers

General Disclaimer:

  • The information provided by Positive Money Mode during coaching sessions is for educational purposes only and does not constitute financial, investment, tax, or legal advice. Clients should consult with appropriate professionals before making any financial decisions.

Results Disclaimer:

  • Financial coaching is designed to educate and empower clients, but it does not guarantee specific financial outcomes. Results may vary based on individual circumstances, effort, and external factors.

Third-Party Disclaimer:

  • The Coach may provide information about third-party products, services, or institutions. The Coach is not affiliated with, endorsed by, or responsible for any actions taken by these third parties.

Confidentiality Disclaimer:

  • While all efforts will be made to maintain confidentiality, the Coach may be required by law to disclose certain information under specific circumstances, such as court orders or legal investigations.

No Fiduciary Relationship:

  • The relationship between the Coach and Client is not a fiduciary relationship. The Coach acts as an educator and guide, and the Client is solely responsible for their financial decisions.

Money Coaching Agreement

This Money Coaching Agreement ("Agreement") is entered into on [Date], by and between:

  • Coach: Karen Amadis, Positive Money Mode
  • Client: [Client’s Full Name]

**1. Services Provided

The Coach agrees to provide money coaching services to the Client, which may include but are not limited to:

  • Financial goal setting
  • Budget creation and management
  • Debt management strategies
  • Saving and investment advice
  • Financial education

**2. Coaching Sessions

  • Duration: Each coaching session will last approximately [Duration, e.g., 60 minutes].
  • Frequency: Sessions will be held [Frequency, e.g., weekly, bi-weekly, monthly], at times mutually agreed upon by both parties.
  • Delivery Method: Sessions will be conducted [in-person, over the phone, via video conferencing, etc.].

**3. Fees and Payment

  • Fee Structure: The Client agrees to pay [Fee Amount, e.g., $150 per session, $1,000 per month].
  • Payment Method: Payment shall be made [Payment Method, e.g., via bank transfer, PayPal, credit card].
  • Due Date: Payments are due [Due Date, e.g., before each session, on the 1st of every month].

**4. Cancellation and Rescheduling

  • Cancellation Policy: If the Client needs to cancel or reschedule a session, they must provide at least [Notice Period, e.g., 24 hours] notice. Failure to provide adequate notice may result in a [Cancellation Fee, e.g., full charge for the missed session].
  • Rescheduling: Sessions may be rescheduled with mutual consent.

**5. Confidentiality

  • The Coach agrees to keep all client information confidential, except as required by law.
  • No information shared during coaching sessions will be disclosed to third parties without the Client's express consent.

**6. Coach's Role and Limitations

  • The Coach is a financial educator and guide, not a financial advisor, tax professional, or legal advisor.
  • The Coach does not provide specific investment, legal, or tax advice, and all decisions made by the Client are their responsibility.
  • The Client acknowledges that the Coach is not responsible for any actions taken by the Client as a result of the coaching sessions.

**7. Client Responsibilities

  • The Client agrees to actively participate in coaching sessions and take responsibility for their financial decisions.
  • The Client will provide accurate information and disclose all relevant financial details to the Coach.

**8. Termination of Agreement

  • Either party may terminate this Agreement with [Notice Period, e.g., 14 days] written notice.
  • If the Client terminates the Agreement before the end of a prepaid period, the Coach will refund the remaining balance on a pro-rata basis, minus any applicable fees.

**9. Disclaimer

  • The Client acknowledges that the Coach is not providing financial advice or guarantees of any kind.
  • The Client understands that financial outcomes depend on various factors, including the Client’s actions, market conditions, and external events.
  • The Coach is not liable for any losses, damages, or legal claims resulting from the Client’s financial decisions.

**10. Governing Law

  • This Agreement shall be governed by and construed in accordance with the laws of the state of [State], without regard to its conflict of law principles.

**11. Entire Agreement

  • This Agreement constitutes the entire understanding between the parties and supersedes any prior agreements, whether oral or written, related to the subject matter.

Legal Notice

All notices from Positive Money Mode to You may be posted on our Web site and will be deemed delivered within thirty (30) days after posting. Notices from You to Positive Money Mode shall be made either by regular mail, sent to the address we provide on our Web site, or first class mail to our address at:
Delivery shall be deemed to have been made by You to Positive Money Mode five (5) days after the date sent.

Copyright Notice

All content appearing on this Web site is the property of Positive Money Mode.
Copyright © 2026, Positive Money Mode. All rights reserved. As a user, you are authorized only to view, copy, print, and distribute documents on this Web site so long as (1) the document is used for informational purposes only, and (2) any copy of the document (or portion thereof) includes the following copyright notice: Copyright © 2026, Positive Money Mode. All rights reserved.

Trademarks

All brand, product, service, and process names appearing on this Web site are trademarks of their respective holders. Reference to or use of a product, service, or process does not imply recommendation, approval, affiliation, or sponsorship of that product, service, or process by Positive Money Mode. Nothing contained herein shall be construed as conferring by implication, estoppel, or otherwise any license or right under any patent, copyright, trademark, or other intellectual property right of Positive Money Mode or any third party, except as expressly granted herein.

Terms of Use

This site may contain other proprietary notices and copyright information, the terms of which must be observed and followed. Information on this site may contain technical inaccuracies or typographical errors. Information, including product pricing and availability, may be changed or updated without notice. Positive Money Mode and its subsidiaries reserve the right to refuse service, terminate accounts, and/or cancel orders in its discretion, including, without limitation, if Positive Money Mode believes that customer conduct violates applicable law or is harmful to the interests of Positive Money Mode and its subsidiaries.

Privacy Policy

This site may contain other proprietary notices and copyright information, the terms of which must be observed and followed. Information on this site may contain technical inaccuracies or typographical errors. Information, including product pricing and availability, may be changed or updated without notice. Positive Money Mode and its subsidiaries reserve the right to refuse service, terminate accounts, and/or cancel orders in its discretion, including, without limitation, if Positive Money Mode believes that customer conduct violates applicable law or is harmful to the interests of Positive Money Mode and its subsidiaries.

Shipping and Delivery

At this time, Positive Money Mode ships merchandise to locations within the United States and U.S. territories, including Alaska, Hawaii, Puerto Rico, Guam, and the US Virgin Islands. Additionally, Positive Money Mode ships merchandise to Canada and Mexico, but not to other international locations. The risk of loss and title for all merchandise ordered on this Web site pass to you when the merchandise is delivered to the shipping carrier.

International

Customs and import duties may be applied to International orders when the shipment reaches its destination. Such charges are the responsibility of the recipient of your order and vary from country to country. Contact your local customs office for details.

Shipping laws are different in each country. It is your responsibility to check with your Customs office to verify whether the country to which you are shipping permits the shipment of your products. Positive Money Mode is not responsible for any direct, indirect, punitive, or consequential damages that arise from improper international shipping practices.

Sales Tax

Positive Money Mode charges sales tax for merchandise ordered on this Web site based on the applicable state sales tax rate and the location to which the order is being shipped.

Warranties

The Content included in this Web site has been compiled from a variety of sources and is subject to change without notice as are any products, programs, offerings, or technical information described in this Web site. Positive Money Mode makes no representation or warranty whatsoever regarding the completeness, quality, or adequacy of the Web site or Content, or the suitability, functionality, or operation of this Web site or it's Content. By using this Web site, you assume the risk that the Content on this Web site may be inaccurate, incomplete, offensive, or may not meet your needs and requirements.

Positive Money Mode SPECIFICALLY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NONINFRINGEMENT WITH RESPECT TO THESE WEB PAGES AND CONTENT. IN NO EVENT WILL Positive Money Mode BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
-- OR Depending on State --
The information and content on this server is provided "as is" with no warranty of any kind, either express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. Any warranty that is provided in connection with any of the products and services described on this Web site is provided by the advertiser or manufacturer only, and not by Positive Money Mode.

The references and descriptions of products or services within the Web site materials are provided "as is" without any warranty of any kind, either express or implied. Positive Money Mode is not liable for any damages, including any consequential damages, of any kind that may result to the user from the use of the materials on this Web site or of any of the products or services described hereon.

The descriptions of, and references to, products, services and companies on this Web site are the sole responsibility of the companies providing the information ("advertisers"), and not Positive Money Mode.
The inclusion of material on this server does not imply any endorsement by Positive Money Mode, which makes no warranty of any kind with respect to the subject matter of the server materials advertised.

A possibility exists that the server materials could include inaccuracies or errors. Additionally, a possibility exists that unauthorized additions, deletions, and alterations could be made by third parties to the server materials. Although Positive Money Mode tries to ensure the integrity and the accurateness of the server materials, it makes no guarantees about their correctness or accuracy. Before relying on any representation made in any of the server materials, check with the advertiser of the product or service to ensure that the information you are relying upon is correct.

Return Policy

You may purchase merchandise from this Web site by using any one of the payment options listed in (link to Payment Options). Positive Money Mode reserves the right to change its payment procedures at any time without prior notice to you.

Miscellaneous

VOID WHERE PROHIBITED: Although the information on this Web site is accessible worldwide, not all products or services discussed in this Web site are available to all persons or in all geographic locations or jurisdictions. Positive Money Mode and the advertisers each reserve the right to limit the provision of their products or services to any person, geographic area, or jurisdiction they so desire and to limit the quantities of any products or services that they provide. Any offer for any product or service made in the materials on this Web site is void where prohibited.

GOVERNING LAW: In the event of litigation both parties agree that the Law of the State of business registration of Positive Money Mode shall apply and both parties shall consent to the jurisdiction of said State's courts, or in the event of diversity of citizenship, the United States District Court for the (District). Both parties expressly waive a trial by jury.

MISCELLANEOUS: The Terms and Conditions constitute the entire agreement between you and Positive Money Mode with respect to this Web site. The Terms and Conditions supersede all prior or contemporaneous communications and proposals, whether electronic, oral or written between you and Positive Money Mode with respect to this Web site. No modification of the Terms and Conditions shall be effective unless it is authorized by Positive Money Mode. If any provision of the Terms and Conditions is found to be contrary to law, then such provision(s) shall be constructed in a manner to closely reflect, as much as possible, the intentions of the parties, with the other provisions remaining in full force and effect.