AHORA INC. FINANCIAL COACHING SERVICES
1. TERMS AND CONDITIONS
This Agreement (the “Agreement”) contains the rules that govern, where appropriate, the provision of financial coaching services to you by Ahora, Inc., a Massachusetts-based 501(c)3 organization.
2. COACHING SERVICES AHORA PROVIDES
Ahora’s personal financial coaching involves several steps. This Agreement is to confirm our mutual understanding of the goals and objectives of our commitment to provide you with personalized financial coaching and plan, as well as the nature of the services we will provide. We will prepare a personalized financial plan after the review and consideration of your financial objectives and goals.
3. FINANCIAL COACHING
Under Ahora’s financial coaching services, we will provide you with financial coaching and guidance about your finances. Depending on the plan selected, clients will have access to a budgeting tool, webinars and/or one-on-one access to an Ahora Financial Coach. Ahora will supply coaching and guidance, including budgeting, debt management, credit repair/building strategies, financial and general wealth building tips.
We will assist you in the decision-making process, suggest alternative recommendations to help you achieve your goals. The suggestions and recommendations included in your personal financial plan will be advisory in nature, based solely on the information you provide to Ahora.
Please note that Ahora cannot guarantee the performance or future outcomes of any banking product, or financial projections which are based on future assumptions and multiple variables.
If in the course of this engagement we become aware of a service you need that Ahora cannot provide to complete the engagement, we will coach you of what is needed and recommend other trusted service providers to supply the service you need.
Please note that you have the right to decline to engage such recommended service provider(s). If declining the service(s) compromises the recommendations we presented, we will revisit and revise the plan accordingly.
4. SERVICES NOT INCLUDED UNDER THIS AGREEMENT
Please note that Ahora Inc. coaches do not provide investment services or advice. Ahora Inc. does however, partner with trusted organizations that can offer clients pro-bono investment advisory to Ahora Inc. clients. Such pro-bono advisory shall be limited to Ahora Inc. clients who subscribe to Ahora Inc.
5. SERVICES NOT PROVIDED
Ahora Inc. does not offer investment management, legal, tax or accounting services.
6. YOUR REPRESENTATIONS AND ACKNOWLEDGMENTS
You represent and agree regarding the following to Ahora, here and throughout the term of this Agreement, and understand and agree that we are relying on these representations and agreements to support you with financial coaching services:
• You will provide us with the necessary information needed to provide you with the agreed upon services.
o Our coaching services are based on information provided by you regarding your goals and circumstances. We cannot offer guidance based on limited or incomplete information provided by you.
- You are solely responsible for making all financial planning decisions and you are under no obligation to follow, either wholly or in part, any recommendation or suggestion provided by us.
- We may perform similar service for other clients and may make recommendations to those clients that differ from the recommendations made to you.
- We obtain information from a wide variety of publicly available sources and cannot guarantee the accuracy of the information or success of the advice which we may provide. The information and recommendations developed by us is based on our professional judgment and the information you provide to us.
- We shall not be obligated to provide any services with or for you if, in our reasonable judgment, this would (i) violate any applicable federal or state law or any applicable rule or regulation of any regulatory agency, or (ii) be inconsistent with any internal policy maintained by us from time-to-time relating to business conduct with our clients.
7. FEES AND CHARGES
You agree to pay the applicable fee for your coaching services, tool and content provided by Ahora Inc. You may submit payment either on a monthly basis, or on an annual basis.
Fees may be paid through credit card or PayPal. In the event you cancel the service, you will no longer have access to the Ahora online tool, webinars, or coaches, etc.
To the extent you access our services through a mobile device, your wireless service carrier’s charges, data rates, and other fees may apply. As such, you (not Ahora Inc) are responsible for such charges.
7a. Plan Options. You will be charged monthly in advance for your plan. If you cancel or change your plan, the cancellation or change may not take effect for 30 days. You may cancel your plan by contacting the Ahora representative from whom you receive Coaching Sessions or directly via email, or phone.
7b. Authorization. You authorize Ahora to charge all fees for the plan you select.
7c. Payment Processing. Payment processing services for Ahora may be provided by our third-party payment processors, which may include Stripe Inc. (“Stripe”). The processing of credit card charges or credits, as applicable, relating to your use of the Service will be subject to the Stripe Connected Account Agreement, which includes the Stripe Terms of Service (collectively, the “Stripe Services Agreement”). You hereby agree to be bound by the Stripe Services Agreement, which may be modified by Stripe from time to time. You agree to provide Ahora and Ahora’s third-party payment processor with current, accurate, and complete information about you and your payment methods.
8. TERM AND TERMINATION
You may terminate this Agreement and any set of services under this Agreement at any time and such termination will be effective upon receipt of notification of such termination. We may also elect to terminate this Agreement or any set of services under this Agreement at any time, for any reason or no reason, within our sole discretion.
Termination of this Agreement will not affect (a) the validity of any action previously taken under this Agreement; or (b) your obligation to pay Ahora fees 30 days after you terminate.
9. MODIFICATIONS AND AMENDMENTS
Ahora may amend or change any terms of this Agreement. You acknowledge that we will generally not be required to obtain your consent for any amendments to the Agreement or changes to any services.
If at any time the terms, conditions or fees are not acceptable to you, you may terminate this Agreement after paying any fees or charges owed to Ahora. We may cancel or suspend your services at any time.
10. E-SIGN CONSENT
We would like to communicate with you using electronic means. When you agree to this Agreement and click the “I Agree” button, this tells us:
- You agree to receive any electronic communication from us for any purpose;
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You agree to receive an electronic version of any written notice or disclosures we
must send you under law (“Legal Disclosures”); and
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You understand that to receive Legal Disclosures, you must meet the requirements
specified under Technology Requirements below.
When we send electronic communication, including a Legal Disclosure, it may come in the form of an update to the Ahora Website or within the Ahora App; as an email, text, or communication on social media; as a notification on mobile, tablet, or wearable devices; or through other electronic means. When you sign-up to receive services from Ahora, we will request your mobile telephone number. We request this information in order to send you security confirmation text messages and information about our services.
By clicking the “I agree” button below, you are telling Ahora that you consent and agree to accept and receive communications from us, including email, text message, calls and push notification to the mobile telephone number you provide to us. As part of this consent, Ahora, or someone on our behalf, may send you communications generated by automatic telephone dialing systems [and/or deliver prerecorded messages] that includes (i) security confirmation messages; (ii) communications about use and updates to our services, and (iii) other information concerning our services. Ahora does not charge you when we communicate with you via text message, but your phone carrier may apply standard text messaging charges and data rates.
10a. Technology Requirements
In order to receive electronic communications, including Legal Disclosures, you must have:
- A computer or mobile device with an internet connection.
- A web browser.
- The ability to view and retain Portable Document Format (PDF) files.
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A valid email address and phone number.
We may change these requirements, but we will notify you promptly of any material changes.
10b. Saving and Reviewing this Consent
This consent can be printed and saved for your records.
11. OPTIONAL THIRD-PARTY SERVICES.
Ahora and third parties may make available integrations between the Service and third-party products or services, including plugins and related (“Third-Party Services”) that you may elect to use. Any use by you of such Third-Party Services is solely between you and the applicable Third-Party Service provider. Because the Third-Party Services rely on the Third-Party Service provider’s continued operation, Ahora does not warrant or provide support for Third-Party Services. Ahora is not responsible for any violations of applicable law by Third-Party Service providers, or for any liability arising from your use of Third-Party Services. Ahora does not guarantee the continued availability of any Third-Party Services (or any integration with Third-Party Services or related Service features), and if such Third-Party Services or related features are discontinued, you will not be entitled to any refund, credit, or other compensation.
12. DATA.
Ahora may collect and analyze data relating to your use of the Service that is aggregated in such a way that it is not associated with you and other information relating to the provision, use, and performance of various aspects of the Service and related systems and technologies (including information provided by third-party analytical tools). Ahora may analyze, process, collect, and use Usage Data for any purpose, including for improving the Service and developing new products, services, features, and functionality.
13. Consent to Electronic Communications.
a. Administrative Communications. By using the Service, you agree that we may communicate with you electronically regarding registration, security, privacy, and administrative issues relating to your use of the Service.
b. Coaching Session Communications. Coaching Sessions may take place over video conference on your personal device, in person, or over the phone.
c. Consent. You consent to receiving our email newsletter and other marketing-related emails from us. If you wish to remove yourself from our email list for such marketing- related emails, please use the unsubscribe link in any email received from us.
14. CONTACT INFORMATION
Ahora wants to hear your comments, concerns, suggestions, or questions. Email us at contactus@ahoramoney.org
