Terms & Conditions

By accessing our website, booking a consultation, enrolling in a coaching program, or using any of KAV Solutions’ services (collectively, the “Services”), you agree to be bound by these Terms and Conditions (“Terms”).

If you do not agree to these Terms, please do not use our Services. These Terms apply to all visitors, clients, workshop attendees, and partner advisors.

These Terms are governed by the laws of the Commonwealth of Pennsylvania, United States of America.

KAV Solutions provides the following financial advisory and education services:

• Personalized family financial coaching
• Life insurance review and carrier comparisons
• Estate planning guidance and attorney referrals
• Retirement strategy development (401(k), IRA, Social Security timing)
• Education savings planning (529 Plans & Canadian RESPs)
• Free and paid community financial workshops
• Advisor training and women’s cohort programs

All services are delivered by licensed, background-checked financial professionals advisors. Specific service terms may be detailed in individual service agreements or engagement letters provided at the time of enrollment.

The information, guidance, and recommendations provided through KAV Solutions’ Services constitute financial coaching and education, not investment advice as defined by applicable securities laws.

Specifically, our Services do not include:

• Securities recommendations or portfolio management
• Tax preparation or certified tax advice
• Legal advice or document drafting (except through referred attorneys)
• Guaranteed financial outcomes or return projections

All financial decisions remain your own. We strongly encourage you to consult a licensed CPA, securities advisor, or attorney for matters outside the scope of our coaching services.

KAV Solutions operates with an education-first approach in all advisory relationships. This means every recommendation we make is legally and ethically required to be in your best interest not ours.

Our commitment means:

• We do not accept undisclosed commissions or kickbacks
• We disclose all material conflicts of interest in writing
• We recommend insurance products based solely on your needs and carrier quality
• Our fee structure is transparent and agreed upon before any engagement

Where we receive compensation from insurance carriers (e.g., standard agent commissions), this will be disclosed to you in writing before any product is recommended.

Fee-Transparent Structure

KAV Solutions operates primarily on a flat-fee, fee-transparent basis. Fees for specific coaching packages and services are provided in writing prior to engagement.

Payment

Payments are processed securely via Stripe. By providing payment information, you authorize KAV Solutions to charge the agreed fee. All fees are in USD unless otherwise stated.

Free Services

The following are offered at no cost and carry no obligation:

• Initial 30-minute clarity call
• Community financial workshops
• Published educational resources and guides

Taxes

Clients are responsible for any applicable taxes on services received. KAV Solutions will provide receipts but does not provide tax advice.

Free Clarity Calls

You may cancel or reschedule your free 30-minute clarity call up to 2 hours before the scheduled time at no cost.

Paid Coaching Packages

• Full refund: Cancellation requested before the first coaching session begins.
• Pro-rated refund: Cancellation after the first session you are refunded for unused sessions only.
• No refund: Sessions already delivered are non-refundable.

Refund requests must be submitted in writing to contact@kav.solutions. Approved refunds are processed within 10 business days.

By using our Services, you agree to:

• Provide accurate and complete financial information when requested
• Keep your account credentials (if applicable) secure and confidential
• Use our Services only for lawful, personal financial planning purposes
• Not misrepresent your identity, financial situation, or intentions
• Not attempt to reverse-engineer, scrape, or copy our proprietary tools or content
• Notify us promptly of any changes to your financial situation that may affect your plan

You acknowledge that the accuracy of your financial plan depends on the completeness and accuracy of the information you provide.

All content on the KAV Solutions website and within our Services including text, graphics, coaching frameworks, workshop materials, financial templates, guides, and branding is the exclusive property of KAV Solutions or its licensed contributors.

You may:

• Use materials provided for personal financial planning purposes
• Share links to public resources with appropriate attribution

You may not:

• Reproduce, republish, or distribute our content commercially
• Use our branding, logos, or trademarks without written permission
• Claim authorship of KAV Solutions materials

To the fullest extent permitted by applicable law, KAV Solutions and its advisors, officers, and affiliates shall not be liable for:

• Financial losses arising from decisions made based on our coaching, even if such advice was given in good faith
• Indirect, incidental, or consequential damages of any kind
• Losses resulting from inaccurate information provided by you
• Service interruptions, technical failures, or third-party platform issues

Our maximum liability to any client for claims arising out of our Services shall not exceed the total fees paid by that client in the twelve (12) months preceding the claim.

Nothing in these Terms limits liability for gross negligence, willful misconduct, or fraud.

You agree to indemnify, defend, and hold harmless KAV Solutions, its advisors, employees, and affiliates from and against any claims, damages, losses, liabilities, and costs (including reasonable legal fees) arising from:

• Your use of the Services in violation of these Terms
• Your provision of false or misleading financial information
• Your violation of any applicable law or regulation
• Any third-party claim relating to your conduct

These Terms are governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania, United States of America, without regard to its conflict of law principles.

Dispute Resolution

In the event of any dispute arising out of or relating to these Terms or our Services, both parties agree to first attempt resolution through good-faith negotiation.

If negotiation fails, disputes shall be resolved by binding arbitration administered under the rules of the American Arbitration Association (AAA), conducted in Pennsylvania. Either party may seek emergency injunctive relief in a court of competent jurisdiction.

Class Action Waiver: You agree to resolve disputes individually and waive any right to participate in a class action lawsuit or class-wide arbitration.

KAV Solutions may revise these Terms from time to time. Material changes will be communicated to active clients via email at least 14 days before they take effect.

The “Last Updated” date at the top of this page indicates when the Terms were last revised. Continued use of our Services after the effective date of changes constitutes your acceptance.