1. G&G Consulting provides financial education, financial coaching, financial organization, budgeting, cash-flow planning, values-based financial planning, and behavioral financial guidance. Our services are intended to help clients better understand their financial circumstances, identify financial goals, recognize financial behaviors and patterns, and develop practical strategies for improving financial organization and decision-making. Services may include financial audits, budgeting assistance, cash-flow analysis, values assessments, behavioral pattern discussions, goal planning, coaching, accountability, and educational resources.

 

2. Not Financial, Investment, Tax, or Legal Advice. Our services are educational and coaching-based in nature. Unless expressly stated otherwise and permitted by applicable law, G&G Consulting does not provide individualized investment advice, securities recommendations, legal advice, tax advice, or other professional advice requiring a separate license or credential. We do not recommend or direct clients to purchase, sell, or hold specific investments or securities. Clients should consult appropriately licensed professionals, including investment advisers, attorneys, tax professionals, or insurance professionals, when specialized advice is required.

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3. No Guarantee of Financial Results. We do not guarantee any specific financial outcome, savings amount, debt reduction, investment return, income level, or other financial result. Your results depend on many factors, including your individual circumstances, decisions, actions, market conditions, and other factors outside our control.

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4. Client Responsibilities: Clients are responsible for providing accurate and complete information relevant to the services being provided. Clients are also responsible for making their own financial decisions and implementing recommendations or action plans. We encourage clients to carefully evaluate recommendations and seek professional advice when appropriate.

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5. Confidentiality: We respect the privacy and confidentiality of information shared during our work together. We will take reasonable measures to protect client information and will not intentionally disclose confidential client information to third parties except:

• With the client's permission;

• When required by law;

• When necessary to provide agreed-upon services; or

• In other circumstances permitted by applicable law.

 

Additional privacy practices are described in our Privacy Policy.

 

6. Client Information: Clients should only provide information necessary for the services being requested. We encourage clients to avoid sending sensitive information, including passwords, Social Security numbers, full account numbers, or other confidential credentials, through unsecured communication channels.

 

7. Fees and Payment: Fees for services are disclosed before services begin. Payment is due according to the payment terms presented at the time of purchase or outlined in the applicable service agreement. Additional services outside the original scope may be subject to additional fees.

 

8. Cancellations and Rescheduling: Clients may reschedule appointments according to our cancellation policy. Appointments cancelled or rescheduled with less than 24 hours' notice may be subject to a cancellation fee. We reserve the right to waive cancellation fees at our discretion.

 

9. Refunds: Because services involve customized analysis, preparation, and time reserved specifically for a client, certain services are non-refundable.

 

10. Intellectual Property: All original materials created by G&G Consulting, including worksheets, templates, frameworks, educational materials, and written reports, remain the intellectual property of G&G Consulting unless otherwise agreed in writing. Clients may use materials provided to them for their personal, non-commercial use. Clients may not reproduce, distribute, resell, or commercially exploit proprietary materials without written permission.

 

11. Website Content: The information provided on this website is for general educational purposes only. We make reasonable efforts to provide accurate information but do not guarantee that all content is complete, current, or applicable to every individual's circumstances.

 

12. Third-Party Services: We may occasionally reference or recommend third-party services, tools, software, or professionals. We are not responsible for the products, services, policies, or actions of third parties.

 

13. Limitation of Liability: To the fullest extent permitted by applicable law, G&G Consulting shall not be liable for indirect, incidental, consequential, or special damages arising from the use of our website or services. Nothing in these Terms is intended to exclude liability that cannot legally be excluded under applicable law.

 

14. Termination: Either party may terminate a coaching or service relationship according to the terms of the applicable service agreement. We reserve the right to terminate services if a client violates these Terms, fails to make required payments, engages in abusive or inappropriate conduct, or otherwise creates circumstances that make continuation of the professional relationship impractical.

 

15. Changes to These Terms: We reserve the right to update these Terms from time to time. Updated Terms will be posted on this website with a revised effective date.

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16. Governing Law: These Terms shall be governed by the laws of California, without regard to its conflict-of-law provisions.

 

17. Contact: If you have questions about these Terms, please submit an inquiry through our platform.