Terms of Service

Last Updated: September 17th, 2026

Welcome to Cleared 4 Wealth. By accessing this website, purchasing coaching services, scheduling appointments, or participating in any coaching program offered by Cleared 4 Wealth, you agree to these Terms of Service.

If you do not agree with these terms, please do not use this website or purchase coaching services.

1. About Our Services

Cleared 4 Wealth provides financial coaching, education, accountability, and personal development services designed to help clients improve financial awareness, habits, and decision-making.

Coaching services may include:

  • One-on-one coaching sessions

  • Goal setting and accountability

  • Budget and cash flow guidance

  • Debt reduction strategies

  • Financial education

  • Worksheets, templates, and resources

  • Email or messaging support when included in a coaching package

Specific services and package details will be outlined during enrollment or purchase.

2. Coaching Relationship

Financial coaching is a collaborative relationship based on mutual respect, trust, and open communication.

Clients remain solely responsible for all decisions, actions, and outcomes resulting from information discussed during coaching sessions.

Participation in coaching does not guarantee specific results, financial improvements, income increases, debt reduction, investment performance, or achievement of personal goals.

3. Payment Terms

All coaching fees are due according to the payment terms presented at checkout or outlined in the selected coaching package.

Accepted payment methods may include:

  • Debit cards

  • ACH transfers

  • Other approved payment methods

For payment plans:

  • Payments must be made on schedule.

  • Missed payments may result in suspension of services.

  • Clients remain responsible for the full balance of the purchased coaching package.

4. Cancellation & Rescheduling Policy

To respect the time reserved for all clients:

  • At least 48 hours' notice is required to cancel or reschedule a coaching session.

  • Sessions canceled with less than 48 hours' notice may be forfeited or subject to a cancellation fee.

  • No-shows may be charged the full session fee.

  • Unused package sessions expire according to the terms of the purchased program unless otherwise agreed in writing.

Cleared 4 Wealth reserves the right to reschedule sessions when necessary and will make reasonable efforts to provide advance notice.

5. Refund Policy

Unless otherwise stated in writing:

Coaching Services

Payments for completed coaching services are non-refundable.

Coaching Packages

Any refund eligibility for prepaid coaching packages will be determined according to the specific coaching agreement associated with the purchased package.

Early Termination

If a client chooses to discontinue coaching before the completion of a coaching package, refunds are not guaranteed and will be handled according to the applicable coaching agreement.

6. Chargebacks

Clients agree to contact Cleared 4 Wealth before initiating a chargeback or payment dispute.

Most billing concerns can be resolved directly and efficiently through communication.

Initiating a chargeback after receiving coaching services may constitute a violation of these Terms of Service.

7. Confidentiality

Cleared 4 Wealth respects client privacy and maintains reasonable safeguards to protect client information.

Information shared during coaching sessions will not be disclosed to third parties without consent except:

  • When required by law

  • To comply with legal obligations

  • To protect rights, safety, or property

While reasonable precautions are taken, no electronic communication method can be guaranteed to be completely secure.

8. Financial Coaching Disclaimer

Financial coaching is educational in nature.

Cleared 4 Wealth does not provide:

  • Investment advice

  • Financial advisory services

  • Securities recommendations

  • Tax advice

  • Accounting services

  • Legal advice

  • Mental health counseling

  • Therapy

Nothing discussed during coaching sessions should be interpreted as a recommendation to buy, sell, or invest in any financial product.

Clients are encouraged to consult appropriately licensed professionals regarding legal, tax, investment, medical, or mental health concerns.

9. No Guarantees

Every client enters coaching with different circumstances, resources, motivations, and goals.

Therefore, Cleared 4 Wealth makes no guarantees regarding:

  • Financial outcomes

  • Debt reduction

  • Savings growth

  • Investment performance

  • Business success

  • Career advancement

  • Personal achievements

Success depends largely on the client's actions, decisions, consistency, and circumstances beyond the coach's control.

10. Limitation of Liability

To the fullest extent permitted by law:

  • Clients assume full responsibility for all decisions and actions taken following coaching services.

  • Cleared 4 Wealth shall not be liable for financial losses, business losses, indirect damages, lost profits, or consequential damages resulting from coaching services.

The maximum liability of Cleared 4 Wealth for any claim arising from coaching services shall not exceed the total amount paid by the client for services during the three-month period immediately preceding the claim.

11. Intellectual Property

All coaching materials, tools, templates, frameworks, worksheets, presentations, recordings, and resources remain the exclusive intellectual property of Cleared 4 Wealth.

Clients may:

  • Use materials for personal use

  • Download materials provided during coaching

Clients may not:

  • Copy materials for commercial use

  • Resell coaching content

  • Distribute proprietary materials

  • Share paid program content publicly

without prior written permission.

12. Termination of Services

Cleared 4 Wealth reserves the right to terminate services if a client:

  • Violates these Terms

  • Fails to make required payments

  • Harasses or behaves disrespectfully toward the coach

  • Uses services in an unlawful manner

Clients may discontinue services at any time, subject to applicable refund and payment policies.

13. Dispute Resolution

Before filing legal action, both parties agree to attempt good-faith resolution of any dispute.

If a dispute cannot be resolved informally, the parties agree to participate in mediation before pursuing further legal remedies.

Where permitted by law, disputes may be resolved through binding arbitration.

14. Governing Law

These Terms of Service shall be governed by and interpreted according to the laws of the State of Texas, without regard to conflict-of-law principles.

15. Changes to These Terms

Cleared 4 Wealth may modify these Terms of Service at any time.

Updated versions will be posted on this website with a revised "Last Updated" date.

Continued use of services after changes are posted constitutes acceptance of the revised Terms.

16. Contact Information

Cleared 4 Wealth
Dan Kiley
Email: dankiley@cleared4wealth.com
Website: Cleared 4 Wealth