Refund and AGREEMENT Policy

Refund Policy: We want you to be happy with the Resource(s) you receive and treated well by the people who care most about you and your success.

In the event the goals were not met while implementing our Resource(s) to the best of your ability, email our team at within the 14 days purchase window, and let us know you’d like a refund.  Please include in the email your payment receipt and why you are not satisfied. Refunds must be e-mailed other ways of communication with not be accepted via social platform.

We will not provide refunds more than 14 days following the date of purchase. 

Digital Product. Please e-mail us and let us know how your goals were not met while implementing our Resource(s) to the best of your ability with our digital product and what we can do for you to ensure you are satisfied with your purchase. All digital products are nonrefundable since you have to copy in your possession. Incompatibility with your system is not an acceptable reason for a refund.

Digital files, term of use.


Print digital resource(s) for personal use only.

Save digital resource(s) to device for personal use only. 

Promote digital resource(s) on social platforms that you are using product. 


Share the file with anyone else via e-mail, USB, hard drive, social platform, or any other means. 

Sell printable file to anyone else.

Sell print outs of the printable file to anyone. 

Upload to the web.

Use printable files or prints in giveaways without my written permission.

Change, manipulate, or use the printable file on products for sale. 

Use printable files for any commercial use. 

Coaching Sessions Fees. We promise you will get out of the coaching session what you put into it and unfortunately, these sessions are not refundable as we are a fee-for-time service. 

Phone Coaching No Shows.  Your financial coach will make 3 attempts to contact you at the phone number you provided and agreed upon.  If you do not answer after the 3rd attempt, your appointment will be cancelled and documented as a No Show.  You acknowledged that if you are a No Show, you will only be eligible for 50% of the cost you paid for your consult session. 

Purchasing does not transfer rights. Copyright of design and worksheets remains with Believe and Budget. 

Upon purchase, you agree to Believe and Budget Terms and Conditions

Agreement Policy

Cancellation Policy                                                             

All coaching sessions and Back to Basic course(s) are final sale.  Once the payment is received for any course a refund is not accepted.  We do not allow cancellation for our courses. 

If you need to cancel an appointment for any coaching session, please notify your financial coach at Believe and Budget at least twenty-four (24) hours in advance of the appointment date to reschedule that coaching session. Cancellation must be done in writing (by email to the following address:

Purpose of Budget Coaching Services.                            

The purpose of budget coaching services is to provide the client(s) with information based on their defined short-term and long-term goals and the education and years of experience of the budget coach in various aspects, including economics, budgeting, and cost-benefit analysis. This service includes, but is not limited to, brainstorming techniques, identifying action plans, follow-up procedures to maintain client motivation, educating the client, as well as asking and answering questions. 

Please note, you will be asked to state your financial goals and both the financial coach and you, the client(s), will work toward those stated goals. Therefore, it is highly recommended, given the stated purpose of financial coaching, that married clients have their spouse commit to, and partake in, the financial coaching sessions. When attempting to improve a financial situation, it is crucially important that both spouses agree to take the necessary steps to attain their improved financial goals, as stated. 

Termination of Agreement                                               

Termination of this agreement may occur at the discretion of the financial coach when an impasse is reached with the client(s). As long as the client(s) adhere(s) to the guidelines stated above and continue to work toward reaching their own financial success, and the coach adheres to professional practices and standards, the relationship will continue. The goal is to better the client(s) financial situation (i.e., increase networth, increase savings and investments, and reduce debt). All efforts will be made towards that end. 

Examples of terminable offenses: 

·  Lack of payment 

·  Lack of adherence to guidelines, as stated above 

·  Indifference on the part of the client to prescribed session action items 

Confidentiality Statement                                                 

Anything that is said or revealed in the sessions between the financial coach and the client(s) is and will remain privileged information and will not be disclosed to any outside party. The exception is if the information revealed includes disclosure of illegal, unethical, or criminal activities. 

An exception is if the client(s) agree to have their success marketed on Believe and Budget social media, website, or other means of media etc to help others have success in their financials as well. This must be agreed upon both the client(s) and financial coach in writing via email to before marketed.

Indemnification of Liability                                          

The financial coach will work with client(s) diligently to understand and evaluate the current budget, goals, and resources of the client(s); begin developing a strategy to meet and exceed those stated goals; and recommend specific courses of action that the client(s) should consider taking. 

That said, the financial coaching is designed to give you accurate and authoritative information with regard to the subject matter covered. It is provided with the understanding that the coach is not engaged to render legal, accounting, investing, or other professional advice. Since your situation is in fact dependent, you must additionally seek the services of an appropriate licensed legal, accounting, or investment professional. 

The methods employed by Believe and Budget do not guarantee results and no money back guarantee is offered. The methods employed are guidelines that the client(s) must follow through on in order for the client(s) to begin realizing any type of change. The client(s) agree(s), therefore, to hold Believe and Budget and the financial coach free of any liability and responsibility for adverse reactions resulting from advice given during the coaching sessions. 


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