Terms and Conditions
These Terms and Conditions ("T&Cs") govern the use of the Intentional Money website and the purchase of services offered by Intentional Money, owned and operated by Elizaveta Shafir.
1. Acceptance of Terms.
By accessing and using this website, including but not limited to viewing content, subscribing to the newsletter, or clicking the checkbox during the service booking process, you ("Client" or "User") agree to be bound by these T&Cs and the Intentional Money Privacy Policy. By using this website, you represent that you are at least 18 years of age. If you do not agree to these T&Cs, you must not use this website or purchase any services.
2. Disclaimer and Scope of Financial Coaching Services.
Intentional Money is a financial coaching service and is NOT a regulated financial advisory, investment advisory, tax advisory, or legal service.
No Fiduciary Duty: Intentional Money, its owner, and representatives are not acting as a financial advisor, broker-dealer, investment advisor, or Certified Public Accountant (CPA).
Coaching Scope: Services are limited to financial coaching and education, focusing on personal finance mindset, budgeting, goal setting, cash flow management, and financial organization.
The owner, Elizaveta Shafir, is an AFC® Candidate currently enrolled in the AFC® certification program, completing the required education, preparing for the examination, and gaining professional experience hours. She operates under the AFCPE Code of Ethics, which prohibits the giving of personalized investment or tax advice.
Client Responsibility: You understand and agree that you are solely responsible for all financial decisions, investments, tax filings, and actions taken or not taken as a result of the coaching relationship. Any general information provided on this website or in coaching sessions is for educational purposes only. No Guarantee of Results: Intentional Money makes no guarantees or warranties, express or implied, regarding any specific financial outcome, savings amount, or financial achievement resulting from the use of its website or services.
Electronic Recording and AI Transcription: You acknowledge and provide prior written consent for Intentional Money to use AI-driven transcription and recording tools during coaching sessions. These tools are used solely for the purpose of maintaining accurate coaching records and improving service quality. All recordings are handled in accordance with our Privacy Policy regarding data security and confidentiality.
Media Release for Group Events and Webinars: By participating in any group session, workshop, or webinar hosted by Intentional Money, you grant Intentional Money the irrevocable right to use your voice, name, or likeness as captured in the recording for promotional, educational, or commercial purposes (e.g., website, YouTube, social media). If you do not wish to be recorded, you must keep your camera and microphone off during the session or refrain from participating.
3. Website and Content Use.
Intellectual Property: All content on this website (intentional.money), including text, graphics, logos, images, blog posts, workbooks, guides, and course materials (collectively, the "Content"), is the sole property of Intentional Money and is protected by intellectual property laws.
Limited License: You are granted a non-exclusive, non-transferable, revocable license to access and use the website and Content strictly for your personal, non-commercial use, provided you do not modify or delete any copyright or proprietary notices.
Prohibited Actions: You agree not to copy, reproduce, distribute, sell, or commercially exploit any Content without the express prior written permission of Intentional Money.
4. Service and Payment Terms.
Payment: All fees for services, including One-Session Coaching/5-Session Coaching Package, are due in advance and processed via Wix Payments.
Scheduling and Cancellations: For all bookings, including Free Intro Calls, Intentional Money requires at least 24 hours' notice for cancellations or rescheduling. Intentional Money reserves the right to decline future bookings from Users who repeatedly fail to attend scheduled sessions without notice.
Refund Policy: All sales for coaching services are final. Intentional Money maintains a strict No Refund Policy once the service is purchased or the initial session has been completed, as further detailed in the separate Coaching Agreement. Client Agreement Requirement: All clients purchasing a coaching session or a coaching package must also execute a separate, formal Coaching Agreement via E-Signature Platform prior to the start of the first session. This T&Cs document covers general website use and serves as a foundational agreement, but the Coaching Agreement governs the specifics of the coaching relationship.
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5. Limitation of Liability and Indemnification.
Limitation of Liability: You agree that Intentional Money, its owner, and representatives shall not be liable for any direct, indirect, incidental, consequential, or exemplary damages, including but not limited to damages for loss of profits, goodwill, data, or other intangible losses, resulting from: (i) the use or inability to use the service; (ii) unauthorized access to or alteration of your transmissions or data; or (iii) any other matter relating to the website or services.
Maximum Liability: In no event shall Intentional Money's total liability to you for all damages, losses, and causes of action exceed the total amount you paid to Intentional Money for the most recent service purchased. Indemnification: You agree to indemnify, defend, and hold harmless Intentional Money from and against any and all claims, liabilities, losses, and expenses (including legal fees) arising out of or related to your breach of these T&Cs or your use of the Content and services.
6. Governing Law and Dispute Resolution.
Governing Law: These T&Cs shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions.
Dispute Resolution: You agree to first attempt to resolve any dispute informally. If a dispute is not resolved within 30 days of notice, you agree to submit the matter to binding arbitration in Santa Clara County, California, under the rules of the American Arbitration Association (AAA).
7. Changes to Terms.
Intentional Money reserves the right, at its sole discretion, to change or modify portions of these T&Cs at any time. Your continued use of the site or services after any such changes constitutes your acceptance of the new T&Cs.