Introduction
These Terms of Business set out the basis on which Paul Mitchell trading as Your Smart Retirement Coach (“we”, “us”, “our”) provides financial coaching services to clients. By engaging our services, you agree to be bound by these terms.
About Us
Your Smart Retirement Coach provides financial coaching services. We are NOT regulated by the Financial Conduct Authority (FCA) and do not provide regulated financial advice or recommend specific financial products.
Our Services
3.1 Financial Coaching Services
We provide financial coaching focused on retirement planning, including:
⦁ Exploring retirement goals and aspirations
⦁ Financial education and guidance
⦁ Development of financial understanding and confidence
⦁ Support in creating financial plans
⦁ General discussions about financial options
3.2 Initial Discovery Call
⦁ We offer a complimentary 15-minute discovery call
⦁ This call is provided free of charge and with no obligation
⦁ The purpose is to understand your needs and explain how we can help
Fees and Payment
4.1 Fee Structure
⦁ Our hourly rate is £250.00 inclusive of VAT (if applicable) but initially we offer up to a 90 minute consultation meeting for just £250.00.
⦁ Sessions are charged in hourly increments
⦁ Minimum booking time may apply for certain services
4.2 Payment Terms
⦁ Payment is required at the time of booking or immediately after each session
⦁ We accept payment via [specify payment methods]
⦁ Invoices will be provided for all paid services
4.3 Cancellation Policy
⦁ 48 hours’ notice is required for cancellation
⦁ Cancellations with less than 48 hours’ notice may be charged at full rate
⦁ No charge for rescheduling with adequate notice
Client Responsibilities
You agree to:
⦁ Provide accurate and complete information
⦁ Engage honestly and openly in the coaching process
⦁ Attend scheduled sessions punctually
⦁ Pay fees as agreed
⦁ Make independent decisions regarding your finances
Our Responsibilities
We commit to:
⦁ Maintain professional competence
⦁ Provide services with reasonable care and skill
⦁ Maintain confidentiality
⦁ Be clear about the non-regulated nature of our services
⦁ Refer you to regulated financial advisers when appropriate
Limitations of Service
We do not:
⦁ Provide regulated financial advice
⦁ Recommend specific financial products
⦁ Make investment decisions on your behalf
⦁ Provide tax or legal advice
⦁ Guarantee specific financial outcomes
Confidentiality
We treat all client information as confidential and comply with UK data protection legislation. Please refer to our Privacy Policy for detailed information about how we handle your data.
Professional Standards
Whilst we are not FCA regulated, we maintain high professional standards and:
⦁ Carry appropriate professional indemnity insurance
⦁ Maintain continued professional development
⦁ Follow ethical business practices
Termination
Either party may terminate the coaching relationship at any time by giving written notice. Any fees due for services already provided will remain payable.
Changes to Terms
We reserve the right to modify these terms at any time. Changes will be communicated to existing clients and posted on our website.
Contact Details
Your Smart Retirement Coach:
93 Farnley Road, Balby,Doncaster.DN4 8TP
Email: [email protected]
Phone: +44 7887 7887 59
Website: https://www.yoursmartretirementcoach.co.uk
Governing Law
These terms are governed by English law and subject to the exclusive jurisdiction of the English courts.