Payment Terms and Conditions

1. Acceptance of Terms
By engaging our services and submitting payment, you agree to be bound by these Payment Terms and Conditions. Your use of our services constitutes acceptance of these terms.

2. Services and Fees
Consultations and services are provided at the agreed rates as outlined in your agreement or invoice. All prices are subject to change at our discretion until payment is received.

3. Payment Terms
All fees are due in advance. Consultations and planning services will not be scheduled or delivered until payment is received in full. We accept Zelle and credit/debit card payments; applicable processing fees may apply.

4. Invoices and Billing
You will receive an invoice via email upon engagement of services. It is your responsibility to ensure billing information is accurate and current. Payments not completed in a timely manner may delay services.

5. Non-Refundable Payments
Payments are non-refundable except in the limited circumstance where we determine that the services you requested cannot be provided within the scope of your booked package. Approved refunds will be issued via Zelle or check, less any processing fees. Refund processing may take up to 30 days.

6. Service Modifications or Cancellations
We reserve the right to modify, suspend, or discontinue services at any time. If we cancel services after payment has been made and cannot otherwise meet your needs, you may be eligible for a refund as described in Section 5.

7. Client Obligations
You agree to provide all necessary information and cooperation required for us to deliver services. Delays or failures by you to provide requested information may affect our ability to deliver services and do not relieve your payment obligations.

8. Use Restrictions
Our services and any deliverables provided to you are for your personal use only. You agree not to copy, reproduce, resell, transfer, or otherwise exploit our services or materials except as expressly permitted in writing.

9. Limitation of Liability
To the fullest extent permitted by law, we are not liable for any indirect, incidental, consequential, special, or exemplary damages arising from your use of our services. Our total liability to you for any claim will not exceed the total fees paid by you for the specific services giving rise to the claim.

10. Governing Law
These terms will be governed by and interpreted in accordance with the laws of the state in which our business is located.

11. Amendments
We may update these terms at any time. Updated terms will be posted and shall become effective immediately for all clients and future engagements.