These Terms of Service ("Terms") govern your use of takeaccountcoaching.com and the financial coaching services provided by Take Account, a service of Aurelius Consulting LLC, a Texas limited liability company ("we," "us," or "Take Account"). By using our website or engaging our services, you agree to these Terms. Please read them carefully.
What we do
Take Account provides personal financial coaching and planning to Christian families. Our services include reviewing your finances, building your Take Account Scorecard, helping you set goals, and meeting with you regularly to discuss your progress and choices. Our work is grounded in the conviction of biblical stewardship.
What we are not
We want to be clear about what Take Account is and is not, because the distinctions matter:
- We are not a registered investment advisor. We do not provide investment advice, recommend specific securities or investment products, or manage assets.
- We are not a CPA firm. Take Account is not a licensed certified public accounting firm, and these services are not regulated by the Texas State Board of Public Accountancy.
- We do not provide tax advice or prepare tax returns. For tax matters, you should consult a qualified tax professional.
- We do not provide legal advice. For legal matters, including estate planning, contracts, or other legal questions, you should consult a licensed attorney.
- We do not take possession of your money, manage your accounts, or have authority to act on your behalf with any financial institution. You retain full control of all your accounts at all times.
- We do not sell financial products and do not earn commissions on products you may purchase.
Your responsibilities
To get value from this work, you agree to:
- Provide accurate, complete, and honest information about your financial situation
- Make your own decisions about your finances; we coach you, but the decisions and the responsibility for them are yours
- Pay for services as agreed
- Communicate openly during our engagement, including raising concerns or questions promptly
- Consult qualified professionals (CPAs, attorneys, licensed financial advisors) for matters outside the scope of coaching
Your representations
By engaging our services, you represent and warrant that: (1) you have the legal capacity to enter into these Terms and to make decisions about your finances; (2) you are at least eighteen (18) years old and not a minor in your jurisdiction; (3) the information you provide to us is true, complete, and accurate to the best of your knowledge; and (4) your use of our services will not violate any applicable law or regulation. If any information you provide is found to be inaccurate or incomplete in a way that materially affects our work, we may suspend or end the engagement.
Fees and payment
Our fees are stated on the website at the time of booking. As of the last update of these Terms:
- The Review & Strategy Meeting is $299, paid at the time of booking
- Ongoing Professional Accountability is $99 per month (or $59 per month for families whose net worth is currently negative), billed as a recurring subscription
Payments are processed by Stripe. By providing your payment information, you authorize the applicable charges. Subscription fees are billed monthly until you cancel. Fees may change with reasonable notice.
Refunds and cancellations
Review & Strategy Meeting: If you need to reschedule your meeting, please do so at least 48 hours before the scheduled time through your booking confirmation. If you cancel more than 48 hours before the meeting, we will refund the fee. Cancellations within 48 hours of the meeting are non-refundable, because the analysis and preparation work has already begun. Once the meeting has been delivered, the fee is non-refundable.
Monthly accountability: You may cancel your monthly subscription at any time. Cancellation takes effect at the end of your current billing period; we do not prorate refunds for partial months. To cancel, contact us directly or use any self-service cancellation tool we make available.
We may, at our discretion, offer refunds outside of these terms in cases of unusual circumstances or to make things right.
No guarantees of results
Financial outcomes depend on many factors, most of which are outside our control: your choices, your income, market conditions, life events, and discipline over time. Take Account makes no guarantees about specific financial results, debt elimination timelines, savings accumulation, net worth growth, or any other financial outcome. Our work is to provide honest analysis, faithful counsel, and consistent accountability. The outcomes are not ours to promise.
Confidentiality
We treat the information you share with us as confidential. We will not disclose your financial information to third parties except as needed to provide our services (our service providers like Stripe and Acuity), as you authorize, or as required by law. See our Privacy Policy for details.
Intellectual property
The content of takeaccountcoaching.com, including the Take Account name, branding, written materials, the Take Account Scorecard framework, and any worksheets or templates we provide, is the property of Aurelius Consulting LLC. You may use materials we provide for your own family's planning, but you may not reproduce, distribute, sell, or use them commercially without our written permission.
Communications
By engaging our services, you consent to receive communications from us related to your coaching engagement, including email confirmations, reminders, and follow-up. We do not send marketing emails without separate permission, and you can opt out of any non-essential communications at any time.
Limitation of liability
To the maximum extent permitted by law, Aurelius Consulting LLC and its members, officers, employees, and contractors are not liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, savings, or data, arising from or related to your use of our services or website.
Our total liability for any claim arising from your use of our services, regardless of the cause of action, will not exceed the total amount you paid us in the twelve months preceding the claim.
Some jurisdictions do not allow the exclusion or limitation of certain damages, so these limits may not apply to you. Nothing in these Terms is intended to waive any rights you have that cannot legally be waived.
Indemnification
You agree to indemnify and hold harmless Aurelius Consulting LLC and its members from any claims, losses, or expenses (including reasonable attorneys' fees) arising from your breach of these Terms, your provision of inaccurate information to us, or your financial decisions made with or without our coaching input.
Governing law and disputes
These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-laws principles. Any dispute arising from or related to these Terms or our services will be resolved exclusively in the state or federal courts located in Collin County, Texas, and you and we both consent to the jurisdiction of those courts.
Before initiating any formal dispute, we ask that you contact us directly so we can try to resolve the matter informally. Most concerns can be addressed through honest conversation.
Termination
We may decline service or end our coaching relationship with you at our discretion, particularly if there is a breakdown of trust, repeated dishonesty in the information shared, or behavior that makes a productive coaching relationship impossible. You may end the engagement at any time, subject to the refund and cancellation terms above.
Corrections and errors
There may be information on our website that contains typographical errors, inaccuracies, or omissions, including in descriptions, pricing, and availability. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update information on the website at any time without prior notice. If you have booked a service based on an obvious error (for example, a price that was clearly mistyped), we may, at our discretion, void the booking and refund any payment rather than honor the incorrect terms.
Data and records
We maintain certain records that you transmit to us — including intake forms, financial information you share, and notes from our meetings — for the purpose of providing our services and complying with our retention obligations. Although we take reasonable care in handling and backing up this information, you are solely responsible for keeping your own copies of any financial documents, records, or data you provide to us. We are not liable for any loss or corruption of your data, and you waive any right of action against us arising from any such loss.
Electronic communications and signatures
By visiting our website, sending us emails, completing online forms, or booking through our scheduling tools, you consent to receiving communications from us electronically. You agree that any agreements, notices, disclosures, and other communications we provide to you electronically — including by email, through your booking confirmations, or on the website — satisfy any legal requirement that such communication be in writing. You agree to the use of electronic signatures, contracts, and records, and you waive any right to require an original physical signature or non-electronic record.
Changes to these Terms
We may update these Terms from time to time. When we make material changes, we will update the "last updated" date at the top of this page and, where reasonable, notify active clients directly. Your continued use of our services after changes constitutes acceptance of the updated Terms.
Severability
If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force. The unenforceable provision will be modified to the minimum extent necessary to make it enforceable while preserving the intent.
Entire agreement
These Terms, together with our Privacy Policy and any written engagement agreement we may sign with you, constitute the entire agreement between you and Aurelius Consulting LLC regarding our services.
How to contact us
For questions about these Terms, or about your engagement with us, contact:
Aurelius Consulting LLC, operating as Take Account
Email: hello@takeaccountcoaching.com