Terms and Conditions

Last updated 14th February 2019

This page, and any other pages referred to within, details the terms and conditions by which you may make use of our website www.wealthflowmoneycoach.com. By using our website you indicate your acceptance of these terms and conditions and agree to abide by them. It is important you read these terms and conditions carefully before booking your Wealthflow Money Coach Programme. Please print a copy of these terms and conditions for future reference.

The Wealthflow Money Coach Programme is provided by Wealthflow LLP and Dr George Callaghan in accordance with the terms set out below. Dr George Callaghan is not regulated by the Financial Conduct Authority (FCA).

We reserve the right to periodically make updates to these terms and conditions. It is your responsibility to review the terms and conditions before each booking and make note of any changes that have been made. The date of the last update is listed at the top of the page.

Webinar Programme – Webinars

The Webinar Programme includes three webinars on different aspects of personal finance. These will last for 1 hour and be run over three consecutive weeks during the programme. They will be held via Skype/ Zoom and be interactive in nature.

Responsibilities
  • During webinars we will not provide advice related to the purchase or sale of any specific financial product. This includes but is not limited to: particular debt products such as mortgages, personal loans and credit cards, savings products such as Individual Savings Accounts, or investment products such as those relating to stocks, shares or bonds.
  • Dr George Callaghan will work with the Participant to improve their knowledge and experience on issues such as: tax; savings and investment; compounding; asset allocation; pensions; consumer debt; mortgages and insurance. As with the Group Workshops, tools and techniques to help participants better understand their emotional relationship with money will also be used in webinars.
  • The Participant is responsible for making their own financial decisions, choices and actions. As such, the Participant agrees that Dr George Callaghan is not, and will not, be liable for any action or inaction or for any direct or indirect outcomes related to the financial decisions they make. The Participant understands Dr George Callaghan is not providing regulated financial advice and webinars are not a substitute for regulated financial advice.
  • The Participant agrees to being supported to communicate openly and participate fully in the webinars.
Services and Schedule
  • The Participant has the option to engage in the series of webinars, delivered by Dr George Callaghan via Skype/Zoom. The content of each webinar will be released in advance giving the participant the opportunity to plan their attendance. The webinar schedule and content will be determined by Dr George Callaghan. Participants are required to confirm their attendance ahead of the webinar.
Fees
  • The series of three webinars is the first part of the Webinar Programme. Participants must purchase their programme at least 48 hours prior to the first webinar date. The total programme fee is to be purchased and paid via the website.
Cancellation
  • If, in exceptional circumstances, we cannot provide a scheduled webinar it will be re-arranged to take place on an alternative date determined by Dr George Callaghan. Where possible, every effort will be made to notify programme participants of any webinar rescheduling at least 48 hours prior to the original webinar start time.

Webinar Programme – One-to-one Coaching Sessions

The Webinar Programme One-to-one Coaching Sessions will create a coaching partnership (i.e. an alliance not a legal business partnership) between Dr George Callaghan and the Participant. Through a thought-provoking and creative process the Participant will be inspired to improve and develop their practical and emotional relationship with money.

Responsibilities
  • During One-to-one Coaching Sessions we will not provide advice related to the purchase or sale of any specific financial product. This includes: particular debt products such as mortgages, personal loans and credit cards, savings products such as Individual Savings Accounts, investment products such as those relating to stocks, shares or bonds.
  • Dr George Callaghan will work with the Participant to identify financial goals and objectives, provide practical elements of financial education (such as spending, budgeting, constructing a balance sheet) and help the Participant develop a plan and strategy for meeting their financial goals and objectives. We will also use tools and techniques to help the Participant better understand their emotional relationship with money.
  • The Participant is responsible for making their own financial decisions, choices and actions. As such, the Participant agrees that Dr George Callaghan is not and will not be liable for any action or inaction, or for any direct or indirect outcomes related to the financial decisions they make. The Participant understands Dr George Callaghan is not providing regulated financial advice and One-to-one Coaching Sessions do not substitute for regulated financial advice.
  • The Participant agrees to communicate honestly, be open to feedback and support, and create the time and energy to participate fully in One-to-one Coaching Sessions.
Services and Schedule
  • The parties agree to engage in a series of three (each one hour duration) One-to-one Coaching Sessions delivered either in-person or by phone/Skype meeting. Dr George Callaghan will be available to the Participant by email and/or voicemail in between scheduled sessions, timings and frequency to be discussed and agreed.
Fees

The series of three One-to-one Coaching Sessions is the second part of the Webinar Programme. The total programme fee is to be purchased and paid via this Website.

Procedure
  • The time and/or location of One-to-one Coaching Sessions will be arranged by Dr George Callaghan and the Participant on a mutually agreed basis. The Participant will initiate scheduled calls with Dr George Callaghan by calling direct on; 07814 928757. If an instance arises in which Dr George Callaghan will be using a different phone number the Participant will be notified prior to the scheduled appointment time.
Cancellation
  • If circumstances arise in which the Participant needs to cancel a scheduled One-to-one Coaching Session it is their responsibility to notify Dr George Callaghan 48 hours in advance of the scheduled date and time. Dr George Callaghan will attempt in good faith to reschedule a cancelled session.
    In exceptional circumstances, such as illness, bereavement, inappropriate Participant behaviour, actual or potential conflict of interest, Dr George Callaghan reserves the right to terminate the One-to-one Coaching series early. In these cases we will provide reasonable notice and refund any advance payments.

Workshop Programme – Group Workshops

The Workshop Programme Group Workshops focus on different aspects of personal finance including but not limited to: attitudes to money, emotions around money, setting financial goals and objectives, budgeting, debt and borrowing, saving and investing, retirement and financial choices in later life. Group Workshop participants will not be asked to divulge any personal financial information but will be given the opportunity to do so in One-to-one Coaching Sessions.

Responsibilities
  • During Workshop Programme Group Workshops we will not provide advice related to the purchase or sale of any specific financial product. This includes: particular debt products such as mortgages, personal loans and credit cards, savings products such as Individual Savings Accounts, investment products such as those relating to stocks, shares or bonds.
  • The Participant agrees that Wealthflow LLP and Dr George Callaghan is not and will not be liable for any action or inaction or for any direct or indirect outcomes related to the Group Workshop. The Participant understands Dr George Callaghan is not providing regulated financial advice and the Group Workshop does not substitute for regulated financial advice.
  • The Participant agrees to being supported to communicate openly and participate fully in the Group Workshop.
Services and Schedule

The parties agree to engage in the Group Workshop provided by Wealthflow LLP and Dr George Callaghan. The Group Workshop day will start at 9:30am and finish at 4:00pm. Given the interactive nature of the workshop, participant numbers will be restricted to a maximum of 9 participants.

Fees

The Group Workshop day is the first part of the Workshop Programme. Participants must purchase their Programme online via this Website at least seven days prior to their Group Workshop date. The total programme fee is to be purchased and paid via this Website.

Cancellation

If, in exceptional circumstances, we can not provide a scheduled Group Workshop it will be re-arranged to take place on a mutually agreed date.

If circumstances arise in which the Participant needs to cancel their Group Workshop place it is their responsibility to notify Wealthflow LLP and Dr George Callaghan seven days in advance of the scheduled Group Workshop date. We will, wherever possible, offer to replace a cancelled Group Workshop place with a place on a future Group Workshop.

Workshop Programme – Webinars

The Workshop Programme includes three webinars on different aspects of personal finance. These will last for 1 hour and be run over three consecutive weeks during the programme. They will be held via Skype/ Zoom and be interactive in nature.

Responsibilities
  • During webinars we will not provide advice related to the purchase or sale of any specific financial product. This includes but is not limited to: particular debt products such as mortgages, personal loans and credit cards, savings products such as Individual Savings Accounts, or investment products such as those relating to stocks, shares or bonds.
  • Dr George Callaghan will work with the Participant to improve their knowledge and experience on issues such as: tax; savings and investment; compounding; asset allocation; pensions; consumer debt; mortgages and insurance. As with the Group Workshops, tools and techniques to help participants better understand their emotional relationship with money will also be used in webinars.
  • The Participant is responsible for making their own financial decisions, choices and actions. As such, the Participant agrees that Dr George Callaghan is not, and will not, be liable for any action or inaction or for any direct or indirect outcomes related to the financial decisions they make. The Participant understands Dr George Callaghan is not providing regulated financial advice and webinars are not a substitute for regulated financial advice.
  • The Participant agrees to being supported to communicate openly and participate fully in the webinars.
Services and Schedule
  • The Participant has the option to engage in the series of webinars, delivered by Dr George Callaghan via Skype/Zoom. The content of each webinar will be released in advance giving the participant the opportunity to plan their attendance. The webinar schedule and content will be determined by Dr George Callaghan. Participants are required to confirm their attendance ahead of the webinar.
Fees
  • The series of three webinars is the second part of the Workshop Programme. Participants must purchase their programme at least seven days prior to their Group Workshop date. The total programme fee is to be purchased and paid via the website.
Cancellation
  • If, in exceptional circumstances, we cannot provide a scheduled webinar it will be re-arranged to take place on an alternative date determined by Dr George Callaghan. Where possible, every effort will be made to notify programme participants of any webinar rescheduling at least 48 hours prior to the original webinar start time.

Workshop Programme – One-to-one Coaching Sessions

The Workshop Programme One-to-one Coaching Sessions will create a coaching partnership (i.e. an alliance not a legal business partnership) between Dr George Callaghan and the Participant. Through a thought-provoking and creative process the Participant will be inspired to improve and develop their practical and emotional relationship with money.

Responsibilities
  • During One-to-one Coaching Sessions we will not provide advice related to the purchase or sale of any specific financial product. This includes: particular debt products such as mortgages, personal loans and credit cards, savings products such as Individual Savings Accounts, investment products such as those relating to stocks, shares or bonds.
  • Dr George Callaghan will work with the Participant to identify financial goals and objectives, provide practical elements of financial education (such as spending, budgeting, constructing a balance sheet) and help the Participant develop a plan and strategy for meeting their financial goals and objectives. We will also use tools and techniques to help the Participant better understand their emotional relationship with money.
  • The Participant is responsible for making their own financial decisions, choices and actions. As such, the Participant agrees that Dr George Callaghan is not and will not be liable for any action or inaction, or for any direct or indirect outcomes related to the financial decisions they make. The Participant understands Dr George Callaghan is not providing regulated financial advice and One-to-one Coaching Sessions do not substitute for regulated financial advice.
  • The Participant agrees to communicate honestly, be open to feedback and support, and create the time and energy to participate fully in One-to-one Coaching Sessions.
Services and Schedule
  • The parties agree to engage in a series of three (each one hour duration) One-to-one Coaching Sessions delivered either in-person or by phone/Skype meeting. Dr George Callaghan will be available to the Participant by email and/or voicemail in between scheduled sessions, timings and frequency to be discussed and agreed.
Fees
  • The series of three One-to-one Coaching Sessions is the third part of the Workshop Programme. The total programme fee is to be purchased and paid via this Website.
Procedure
  • The time and/or location of One-to-one Coaching Sessions will be arranged by Dr George Callaghan and the Participant on a mutually agreed basis. The Participant will initiate scheduled calls with Dr George Callaghan by calling direct on; 07814 928757. If an instance arises in which Dr George Callaghan will be using a different phone number the Participant will be notified prior to the scheduled appointment time.
Cancellation
  • If circumstances arise in which the Participant needs to cancel a scheduled One-to-one Coaching Session it is their responsibility to notify Dr George Callaghan 48 hours in advance of the scheduled date and time. Dr George Callaghan will attempt in good faith to reschedule a cancelled session.
    In exceptional circumstances, such as illness, bereavement, inappropriate Participant behaviour, actual or potential conflict of interest, Dr George Callaghan reserves the right to terminate the One-to-one Coaching series early. In these cases we will provide reasonable notice and refund any advance payments.

Confidentiality

All information, documented or verbal, a programme participant shares with Wealthflow LLP and Dr George Callaghan will be treated as confidential. We will not disclose any information pertaining to the participant without written consent and will not disclose the participant’s name as a reference without consent. All data relating to the participant will be held according to the relevant Data Protection Regulations and any HMRC stipulations. Data, including notes taken during coaching sessions, will only be used to facilitate the coaching partnership and to support the participant in meeting their financial goals. Written data will be kept in a secure cabinet and electronic data will be password protected. Data will be kept only for the length of time necessary for the purposes for which it was collected.

Termination

Termination of any agreement may be made by either the participant or Wealthflow LLP and Dr George Callaghan at any time with two weeks written notice. Any fees owed by the participant will become due at the time notice is given. Any refund will be at our discretion.

Limited Liability

Except as expressly provided in this agreement, Wealthflow LLP and Dr George Callaghan make no guarantees or warranties, express or implied. In no event will we be liable to the participant for consequential or special damages. Notwithstanding any damages the participant may incur, our entire liability under this agreement, and the participant’s exclusive remedy, will be limited to the amount paid by the participant under this agreement for all services rendered up until the termination date.

This is the entire agreement of the parties and reflects a complete understanding of the parties with respect to the subject matter. This agreement supersedes all prior written and oral representations.

If a dispute arises from this agreement that cannot be resolved by mutual consent, we agree to attempt to mediate in good faith for up to 30 days after notice given. If the dispute is not resolved, and in the event of legal action, the prevailing party shall be entitled to recover attorney’s fees and court costs from the other party.