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Terms & Conditions

Last updated: December 6, 2025

Please read these Terms and Conditions ("Terms," "Terms and Conditions") carefully before using the financial coaching services and the website operated under the name Lin Financial Coaching (referred to as "we," "us," or "our"), operating as a Sole Proprietorship owned by Chuntao Lin.

By accessing or using our Services, you agree to be bound by these Terms. If you disagree with any part of the terms, then you may not access the Services.

1. Services

Lin Financial Coaching provides educational and informational financial coaching services ("Services") designed to help clients improve their financial literacy, habits, and knowledge of various investment strategies and instruments.

A. Important Disclaimer: Education vs. Advice

The Services provided by Lin Financial Coaching are for educational and informational purposes only.

While we discuss the different types of investments, investment strategies, and how various investment instruments work (e.g., stocks, bonds, funds, retirement accounts), we are not licensed financial advisors, investment advisors, certified public accountants (CPAs), or tax professionals.

  • We do not provide personalized investment recommendations. We will not tell you which specific stock, mutual fund, ETF, or asset to buy, sell, or hold based on your personal financial circumstances.

  • We do not provide tax, legal, or licensed financial advice.

  • You are solely responsible for your investment decisions, actions, and results.

  • Always consult with a licensed professional before making any specific investment, tax, or legal decision.

B. Guarantees

While we aim to provide high-quality coaching, we make no guarantee of specific financial outcomes, income increases, or asset growth as a result of using our Services.

2. Client Responsibilities

As a client, you agree to:

  • Provide accurate and truthful information about your financial situation when necessary for the coaching process.

  • Understand and accept that all financial decisions, including investment choices, are ultimately your own.

  • Notify us immediately of any issues or concerns regarding the quality of the coaching session.

3. Fees, Payments, and Cancellations

A. Fees

Fees for coaching services are clearly outlined on our website and are subject to change without prior notice, though changes will not affect any package or session you have already paid for.

B. Payment

All payments for coaching services are processed through a third-party payment processor (e.g., Square). By purchasing a service, you agree to the terms and conditions of that payment processor. We are not responsible for errors or disputes related to the payment processing platform.

C. Cancellation and No-Show Policy

  • Required Notice: If you need to cancel or reschedule a session, you must provide at least 24 hours advance notice.

  • No-Shows and Late Cancellations: If you fail to attend a scheduled session (No-Show) or cancel with less than 24 hours notice, you will be fully billed for that session.

    • If you purchased a package of sessions, one session credit will be subtracted from your remaining balance.

    • If you purchased a single session, you forfeit the payment for that session.

  • No Makeup Sessions: We do not offer free makeup sessions for No-Shows or late cancellations.

D. Refund Policy

All sales of coaching packages are generally final and non-refundable once the first session has been delivered. Any refund requests will be reviewed on a case-by-case basis.

4. Intellectual Property

The content, materials, and digital documents provided to you during the coaching sessions (including templates, worksheets, and presentations) are the property of Lin Financial Coaching and are protected by copyright.

  • You are granted a limited, non-transferable license to use these materials for personal, non-commercial use only.

  • You may not copy, distribute, share, or resell the materials without our express written permission.

5. Limitation of Liability

To the fullest extent permitted by applicable law, in no event shall Lin Financial Coaching or its owner, Chuntao Lin, be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from:

  • Your use of the Services;

  • Any financial decisions, including investment choices, you make based on the information provided in our Services;

  • The results you achieve or fail to achieve following your participation in the Services.

We are not liable for actions resulting from your ordinary negligence.

6. Termination

We may terminate or suspend your access to our Services immediately, without prior notice or liability, if you breach the Terms (e.g., non-payment or violation of Section 4: Intellectual Property). Upon termination, your right to use the Services will immediately cease.

  • We also reserve the right to terminate our coaching relationship and your access to materials if your behavior is disruptive, abusive, or non-compliant with our professional standards.

  • Refund Policy Upon Termination:

    • If termination occurs due to your non-payment, disruptive behavior, or breach of these Terms, you will not be entitled to a refund for any unused coaching sessions or package balance.

    • If termination occurs due to an amicable situation (e.g., we are unable to continue providing services for our own reasons, or a mutual, good-faith agreement is reached), a full refund will be issued for any unused, paid-for sessions or package balance.

7. Affiliate and Third-Party Disclosure

Our Services or materials may contain links to third-party websites, products, or services that are not owned or controlled by Lin Financial Coaching.

We may receive an affiliate commission for any purchases or sign-ups made through these links. This disclosure is made to you to comply with the U.S. Federal Trade Commission's (FTC) guidelines. You acknowledge and agree that we have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

8. Governing Law and Dispute Resolution

A. Governing Law

These Terms shall be governed and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions.

B. Dispute Resolution

Any dispute arising from or relating to these Terms shall first be addressed through informal negotiations. If a resolution is not found within 30 days, the dispute shall be resolved through binding Arbitration in California. We agree to pay any excessive arbitration fees deemed required to enforce this clause.

9. Changes to These Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. We will let you know by updating the "Last updated" date at the top of this policy. Your continued use of the Services after the effective date of the revised Terms constitutes your acceptance of the changes.

10. Contact Information

If you have any questions about these Terms, or if you need to provide us with a formal legal notice, please contact us at: chuntaolincoach@gmail.com or mail to 1800 Sutter Street Suite 500,Concord, CA 94520 US.

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