Nicole Kobziewicz Financial Coaching Terms & Conditions

Effective Date: August 12, 2023


Welcome to Nicole Kobziewicz Financial Coaching. By accessing and using our services, you agree to adhere to the following terms and conditions.

Our Services

Nicole Kobziewicz Financial Coaching offers financial coaching services, including but not limited to Budgeting, Debt Snowball, Emergency Funds, Sinking Funds, Change In Mindset, Accountability, and Encouragement.

User Conduct

Users agree to:

  • Use our services for lawful purposes only.
  • Not infringe on the rights of any third party.
  • Not impersonate any individual or entity.


All services provided by Nicole Kobziewicz Financial Coaching are subject to fees as specified at the time of booking. Payments are due upon receipt of the invoice.


Refunds are at the discretion of Nicole Kobziewicz Financial Coaching and may vary based on the specific service rendered.

Limitation of Liability

Under no circumstance shall Nicole Kobziewicz Financial Coaching be liable for any direct, indirect, or incidental damages resulting from the use or inability to use our services.

Intellectual Property

All content provided by Nicole Kobziewicz Financial Coaching, including but not limited to text, graphics, logos, and images, is our property and is protected by copyright laws.


Users’ privacy is of utmost importance to us. Please refer to our Privacy Policy to understand how we collect and use personal information.


Nicole Kobziewicz Financial Coaching reserves the right to terminate access to any user who violates these terms and conditions.

Changes to This Policy

We may update our Terms and Conditions from time to time. Users are advised to review this page periodically for any updates.

Governing Law

These terms and conditions are governed by and construed in accordance with the laws of the state of New York.

Contact Us

If you have any questions about these terms or your dealings with our website, please contact us at