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Terms and Conditions

These terms and conditions (the ‘Terms and Conditions’) govern the use of (the ‘Site’).  This Site is owned and operated by Your Smart Money Decisions™.  This Site is an ecommerce website offering financial coaching and counseling services via web or phone.

By using this Site, you indicate that you have read and understand these Terms and Conditions and agree to abide by them at all times.


Client-Coach Relationship

Financial Coaching is a collaborative, educational process to evaluate your current financial situation and educate you on how to meet financial goals and may include recommendations for specific courses of action. You have the absolute right to accept, decline, or make a counteroffer to any coaching request. As the client, you are solely responsible for creating and implementing your own financial, physical, mental, and emotional well-being decisions, choices, actions, and results arising out of or resulting from the coaching relationship. Your Smart Money Decisions™ will not be liable or responsible for any actions or inaction, or for any direct or indirect results of financial coaching.


Intellectual Property

All content published and made available on this Site is the property of Your Smart Money Decisions™ and the Site’s creators.  This includes, but is not limited to images, text, logos, documents, downloadable files and anything that contributes to the composition of the site.  You agree to observe and abide by all copyright and other proprietary notices, legends or other restrictions contained in any such content and will not make any changes thereto.


Privacy Policy and Limitations

Your Smart Money Decisions™ will not disclose ANY client information without written consent, UNLESS disclosure is required to protect your welfare, the welfare of others, or is required by law. When disclosure is required, only the information that is essential is revealed, and you will be informed of such disclosure. This policy extends beyond the termination of the Client-Coach Relationship. CLIENT-COACH COMMUNICATIONS ARE NOT SUBJECT TO THE PROTECTION OF ANY LEGALLY RECOGNIZED PRIVILEGE.



You will be sent an email with a link to pay by credit card or direct debit from your bank account. 

Payment is due prior to the start of our session. 

Missed Appointments

Our time scheduled is set aside specifically for you.  If you need to cancel a scheduled appointment, please give at least 24 hours' notice. Failure to provide 24-hour notification will result in forfeiture of that session and no refund.


Age Restrictions

The minimum age to use this Site is 18 years old.  By using this Site, users agree that they are over 18 years old.  We do not assume any legal responsibility for false statements about age.


Limitation of Liability

Your Smart Money Decisions™ and its directors, officers, agents, employees, subsidiaries, and affiliates will not be liable for any actions, claims, losses, damages, liabilities and expenses including legal fees from your use of the Site.




Except where prohibited by law, by using this Site you indemnify and hold harmless Your Smart Money Decisions™ and its directors, officers, agents, employees, subsidiaries, and affiliates from any action, claims, losses, damages, liabilities and expenses including legal fees arising out of your use of the Site or your violation of these Terms and Conditions.


Applicable Law

These Terms and Conditions are governed by the laws of the State of Arizona.



If at any time any of the provisions set forth in these Terms and Conditions are found to be inconsistent or invalid under applicable laws, those provisions will be deemed void and will be removed from these Terms and Conditions.  All other provisions will not be affected by the removal and the rest of these Terms and Conditions will still be considered valid.



These Terms and Conditions may be amended from time to time in order to maintain compliance with the law and to reflect any changes to the way we operate the Site and the way we expect users to behave on the Site. We will notify users by email of changes to these Terms and Conditions or post a notice on the Site.


Contact Details

Please contact us if you have any questions or concerns.  Our contact details are as follows:

Your Smart Money Decisions™

Cave Creek, AZ  85331

(623) 273-9740

Effective November 2022.

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