top of page

Disclaimers & Policies

Mindful Money Coaching — Policies & Disclaimers

Last updated: 7 April 2026

 

This page outlines the legal, ethical, and operational policies that guide Mindful Money Coaching. These policies ensure transparency, safety, and clarity for everyone who engages with my services.

​

​

1. Disclaimer

Mindful Money Coaching provides behavioural money coaching. All information on this website,  including blog posts, videos, worksheets, and program descriptions, is general in nature and is not financial advice, legal advice, tax advice, or investment advice.

​

Nothing on this website should be relied upon to make financial decisions.
If you require personalised financial advice, I encourage you to seek support from a licensed financial adviser, accountant, or legal professional.

​

Mindful Money Coaching does not guarantee financial outcomes, behavioural outcomes, or emotional outcomes. Your results depend on your own circumstances, participation, and decisions.

​

2. Terms of Use

By using this website, booking a service, or participating in a program, you agree to the following:

 

Scope of Services

Mindful Money Coaching offers:​

  • behavioural money coaching

  • emotional exploration of money patterns

  • values‑based guidance

  • financial literacy education

 

Mindful Money Coaching does not provide:

  • investment recommendations

  • tax strategies

  • debt consolidation

  • legal advice

  • financial product advice

  • psychological services

 

Eligibility

You must be 18 years or older to participate in coaching services.

 

Intellectual Property

All content, including the Mindful Money Method™, worksheets, prompts, models, videos, and written materials, is the intellectual property of Mindful Money Coaching. You may not copy, reproduce, distribute, or share these materials without written permission.

​

No Guarantees

Coaching is a collaborative process. While I provide tools, insight, and support, I cannot guarantee specific financial or behavioural outcomes.

​

Governing Law

These terms are governed by the laws of New South Wales, Australia.

​

3. Privacy Policy

Mindful Money Coaching is committed to protecting your privacy and handling your personal information with care.

 

What Information I Collect

I collect only what is necessary to provide coaching services, including:

  • name and contact details

  • intake form responses

  • session notes

  • email communication

  • optional budgeting data (e.g., PocketSmith)

Mindful Money Coaching does not collect or store any client banking or card details.

Payments are processed securely through your own financial institution via PayID..

​

How Your Information Is Collected

Information is collected through:

  • booking forms

  • intake forms

  • email communication

  • coaching sessions

​

How Your Information Is Stored

All client data is stored securely using:

  • Microsoft OneDrive (encrypted)

  • Microsoft OneNote (encrypted)

  • Microsoft Forms (encrypted)

 

All systems use encryption and two‑factor authentication.

Data Retention

Client data is retained for 7 years from the date of last contact, then securely deleted.

 

Your Rights

You may request:

  • access to your data

  • correction of inaccurate data

  • deletion of data (where legally permitted)

Requests can be made via email.

 

Cookies & Analytics

This website may use cookies or analytics tools to improve user experience. You may disable cookies in your browser settings.

 

Contact

For privacy enquiries:
info@mindfulmoneycoaching.com.au

​

4. Booking & Payment Policy

Group Program Bookings

Group programs are booked through Wix Events. Registration holds your place for 48 hours while payment is made via PayID. Your place is confirmed once payment is received.

 

1:1 Coaching Bookings

1:1 coaching is available on Mondays and Saturdays and by expression of interest.

1:1 coaching is booked via an application form. Once a weekly time slot is confirmed, clients commit to that time for the full 12‑week program.

 

Payment Methods

Payments are made via:

  • Direct bank transfer using PayID

 

Cancellations & Rescheduling

  • Cancellations require 24 hours’ notice.

  • Late cancellations or no‑shows may be charged the full session fee.

  • Group program fees are non‑refundable once the program has commenced.

 

Program Transfers

Transfers to a future cohort may be offered at my discretion and subject to availability.

​

5. Refund Policy

Group Programs

Due to the small‑group nature of the program and limited spaces, all group program fees are non‑refundable once the program has begun.

If you withdraw before the start date, a partial refund may be considered on a case‑by‑case basis.

 

1:1 Coaching

Refunds are not offered for completed sessions.
If you have prepaid for a package, unused sessions may be refunded at my discretion.

​

For payment plans, the first instalment is non‑refundable once the program has commenced. The second instalment is due at Week 6 and is also non‑refundable once paid.

​​​

6. Confidentiality Statement

Everything shared in coaching sessions is confidential and will not be disclosed unless:

  • you provide written consent

  • disclosure is required by law

  • there is a risk of harm to yourself or others

  • records are subpoenaed by a court

Session notes are stored securely and privately.

​

7. Data Security Statement

Mindful Money Coaching follows strict cybersecurity protocols, including:

  • encrypted storage

  • password‑protected devices

  • automatic screen lock

  • two‑factor authentication

  • secure WiFi

  • no storage of client data on personal devices

Client data is never shared with third parties without consent.

​

8. Contact Information

Mindful Money Coaching
Terrigal, NSW
ABN: 27723642045
Email: info@mindfulmoneycoaching.com.au
Phone: 0401 680 754​​​​​​​​​​

Terms
Disclaimer
Booking
Refund
Confidentiality
Data
Privacy
Contact
bottom of page