These Terms and Conditions ("Agreement") are entered into between Moneyed Wallet, hereafter referred to as "the Company," and any individual accessing or using the services provided on this website, hereafter referred to as "the User." By using our services, the User agrees to be bound by the terms and conditions outlined below:

1. Services: a. The Company offers financial coaching services, which include but are not limited to, financial education, budgeting assistance, and investment guidance. Moneyed Wallet is not a financial advisor.

2. Eligibility: a. Users must be at least 18 years old to access our services. b. Users are responsible for providing accurate and up-to-date information.

3. Consultations: a. Consultations are scheduled in advance and may be subject to fees. b. The Company reserves the right to modify appointment times with prior notice.

4. Payments: a. Fees for services are clearly communicated and must be paid in advance. b. Payments are non-refundable unless otherwise specified by the Company.

5. Confidentiality: a. All user information shared during coaching sessions is confidential. b. The Company will not disclose user information without explicit consent, except as required by law.

6. User Responsibilities: a. Users are responsible for implementing advice at their own discretion. b. Users are urged to consult with other professionals for legal, tax, or investment advice.

7. Limitation of Liability: a. The Company is not responsible for any losses incurred based on user decisions. b. The Company does not guarantee financial outcomes and is not liable for investment performance.

8. Termination: a. The Company reserves the right to terminate services if a user violates the terms of this Agreement. b. Users may terminate services at any time, adhering to cancellation policies.

9. Intellectual Property: a. All content on the website is the intellectual property of the Company. b. Users may not reproduce, distribute, or display any content without prior written consent.

10. Modifications: a. The Company reserves the right to modify these terms at any time. b. Users will be notified of changes, and continued use of services implies acceptance of the modified terms.

11. Governing Law: a. This Agreement is governed by the laws of [Your Jurisdiction]. b. Any disputes arising from this Agreement will be resolved through arbitration in accordance with the rules of [Arbitration Organization].

By accessing our services, the User acknowledges having read and understood these Terms and Conditions and agrees to be bound by them.