These are the legally binding terms and conditions of this website
TERMS AND CONDITIONS
The coaching schedule will be arranged between Sarah and the client and can be booked up to 3 months in advance. Sarah will recommend the frequency of coaching sessions based on a professional assessment of the client’s requirements. This recommendation, or plan, is not binding and may be altered and adjusted throughout the coaching journey by mutual agreement, in accordance with the terms set out in this agreement.
The number and frequency of coaching sessions will be agreed at the start of coaching between Sarah and the client, and confirmed by Sarah by email or written correspondence. Where no specific number is agreed sessions will be provided on a session by session basis.
In return for the fees payable by the client (or by a third party on their behalf), Sarah agrees to provide the service as described below and in accordance with the terms and conditions set out below. The client agrees to pay fees for the service on the terms and conditions set out below (in situations where a third party pays the fees, the third party counts as an agent acting on behalf of the client).
USE OF THE SITE
The Site offers coaching practice, programs, courses, information, and services for sale online which provide information and guidance related to personal finance and self-help. Any and all information posted on the Site is intended to be used exclusively for educational purposes. Sarah is not encouraging you to take any form of action by providing such information, but is simply allowing you to learn about different strategies that may work. You understand that in purchasing these products and perusing through all of the information on the Site, you are doing so at your own risk.
Fees can be paid online by debit or credit card or by bank transfer. Where receipts are requested by the client, they will be sent by e-mail unless otherwise requested.
Fees are payable in advance of each coaching session unless otherwise agreed. Where payment has not been received by Sarah in advance of a coaching session Sarah is not obliged to provide the session.
Integrity and keeping your word are the cornerstones of all success. With that in mind, this is how we have drafted our cancellation and refund policy. All coaching packages and courses are final sale and non-refundable. No exceptions. If a client needs to rearrange a coaching session, they should provide at least 48 hours notice. No refunds will be given to clients for unused coaching sessions unless 48 hours notice has been given. In exceptional circumstances Sarah may need to rearrange a coaching session. In those instances she will also give the client 48 hours notice where practical.
Personal information or business information supplied by clients in coaching sessions will be treated as confidential. It will not be disclosed to a third party without the client’s prior permission, save where required by law or where action might be necessary to prevent harm to the client or someone else.
Sarah will seek to enable the client to improve their quality of life or level of business success and to achieve their desired outcomes. Remarkable results can be achieved where clients follow a clear plan in a committed way. However, the client has sole responsibility for taking important decisions in their life or business. Sarah has no liability for any loss incurred by any client, whether financial or otherwise, following commencement of coaching sessions, or purchase of a course of program, or for any perceived failure by the client, whether justified or otherwise, to achieve a material improvement in quality of life or business or to achieve their desired outcomes or goals.
This contract is governed by the law of Sweden whose courts have exclusive jurisdiction in relation to any dispute, disagreement, proceedings or legal claim of any nature relating to the service provided or the contract.
Feedback about the service is welcomed and can be given during a coaching session or by writing to firstname.lastname@example.org.
Effective from 2020-10-27
PERSONAL INFORMATION WE COLLECT
When you visit the Site, we automatically collect certain information about your device, including information about your web browser, IP address, time zone, and some of the cookies that are installed on your device. Additionally, as you browse the Site, we collect information about the individual web pages or products that you view, what websites or search terms referred you to the Site, and information about how you interact with the Site. We refer to this automatically-collected information as “Device Information.”
We collect Device Information using the following technologies:
- “Cookies” are data files that are placed on your device or computer and often include an anonymous unique identifier. For more information about cookies, and how to disable cookies, visit http://www.allaboutcookies.org.
- “Log files” track actions occurring on the Site, and collect data including your IP address, browser type, Internet service provider, referring/exit pages, and date/time stamps.
- “Web beacons,” “tags,” and “pixels” are electronic files used to record information about how you browse the Site.
Additionally when you make a purchase or attempt to make a purchase through the Site, we collect certain information from you, including your name, billing address, shipping address, payment information (including credit card numbers), email address, and phone number. We refer to this information as “Order Information.”
Sarah Bengtsson may work with third party applications in order to provide you with the best services on the Site. These organizations may collect personal information from you in order to provide you with these services including your name and contact information. Specifically, the third parties Sarah Bengtsson works with on the Site are listed below. We’ve included links to their Privacy Policies to ensure you are comfortable using them:
HOW DO WE USE YOUR PERSONAL INFORMATION?
We use the Order Information that we collect generally to fulfill any orders placed through the Site (including processing your payment information, arranging for shipping, and providing you with invoices and/or order confirmations). Additionally, we use this Order Information to:
Communicate with you;
Screen our orders for potential risk or fraud; and
When in line with the preferences you have shared with us, provide you with information or advertising relating to our products or services.
We use the Device Information that we collect to help us screen for potential risk and fraud (in particular, your IP address), and more generally to improve and optimize our Site (for example, by generating analytics about how our customers browse and interact with the Site, and to assess the success of our marketing and advertising campaigns).
SHARING YOUR PERSONAL INFORMATION
We share your Personal Information with third parties to help us use your Personal Information, as described above. For example, we use Wix to power our site and online store -you can read more about how Wix.com uses your Personal Information here: We also use Google Analytics to help us understand how our customers use the Site--you can read more about how Google uses your Personal Information here: You can also opt-out of Google Analytics here:
Finally, we may also share your Personal Information to comply with applicable laws and regulations, to respond to a subpoena, search warrant or other lawful request for information we receive, or to otherwise protect our rights.
As described above, we use your Personal Information to provide you with targeted advertisements or marketing communications we believe may be of interest to you. For more information about how targeted advertising works, you can visit the Network Advertising Initiative’s (“NAI”) educational page at
You can opt out of targeted advertising by sending us an email or opt out of the email list.
Additionally, you can opt out of some of these services by visiting the Digital Advertising Alliance’s opt-out portal at:
DO NOT TRACK
Please note that we do not alter our Site’s data collection and use practices when we see a Do Not Track signal from your browser.
If you are a European resident, you have the right to access personal information we hold about you and to ask that your personal information be corrected, updated, or deleted. If you would like to exercise this right, please contact us through the contact information below.
Additionally, if you are a European resident we note that we are processing your information in order to fulfill contracts we might have with you (for example if you make an order through the Site), or otherwise to pursue our legitimate business interests listed above. Additionally, please note that your information might be transferred outside of Europe, including to Canada and the United States.
When you place an order through the Site, we will maintain your Order Information for our records unless and until you ask us to delete this information.
For more information about our privacy practices, if you have questions, or if you would like to make a complaint, please contact us by e-mail at or by mail using the details provided below:
You are going to see these words, ‘No Guarantees’ a lot in our Disclaimer, so we thought we would put it front stage and center. What do No Guarantees mean? It is very basic and the words are meant to have their exact meaning: we make NO GUARANTEES about any success that you’ll get from our Site or our products and services. We will do everything for you to succeed, but we make No Guarantees.
You understand that Sarah Bengtsson makes no guarantees whatsoever regarding any results based on any action or inaction relating to your life or business based on the information we share or services we sell through the Site. At the end of the day, we will not be responsible or make any promises for what will happen in your life and business. Even if you’ve worked with us as a client before and had certain results, we make no guarantee that will happen again.
YOU ARE RESPONSIBLE FOR YOUR OWN ACTIONS
You are fully responsible for any actions you do or do not take while interacting with the Site. As a condition of using this Site, you agree you will be prudent and consult with a professional before taking any significant decisions regarding your life or business based on information you find on the Site.
NOT PROFESSIONAL ADVICE
The financial industry is a strictly regulated industry and Sarah Bengtsson does not represent or warrant to be a professional financial investment advisor, nor financial planner with professional designations. She makes no guarantees regarding any specific success from working with her. Your choice to rely on her advice, guidance, teaching or principles is simply that - your choice. We’re not telling you what to do. We are telling you things you can do which we have seen work for other people. That doesn’t mean it is guaranteed to work for you.
Hire a professional or seek professional advice if you are making important decisions for your life and business, but understand you can’t hold us responsible for how you interact with the information on our website.
If we provide a link to an affiliated service or some form of partnership of a business we work with, we will let you know. Also, just a heads up - if we have an affiliation with a company, it is because we think they are wonderful at what they do and want to share their services with you. You will always retain the right to choose to work with another company, business or professional if you like and we ask you not to rely solely on our recommendations. You will always be the one to decide if a purchase feels right and we encourage you to be diligent in making any such decisions. If we get a kickback from an affiliation, it never comes at a cost to you.
We are super proud of our amazing clients whom we have helped achieve incredible results. We want you to know that all of these testimonials are from actual clients and all of their words, feelings and results are totally authentic. Please note however, that while these testimonials showcase incredibly hard working and talented individuals, their results are a product of their hard work and efforts. Further, their success is NO GUARANTEE for results you will get from working with Sarah Bengtsson. Everyone is different and everyone will have different results. We have chosen to highlight some of our favourite clients and have them explain our services in their own words.
Sarah Bengtsson makes no promises that the Site or third party programs we use to offer our services and products will always be operational. If something goes wrong, obviously, we’ll do everything we can to fix it ASAP. We also make no representations or warranties of any kind around any of the content we produce or share on the Site. To the maximum extent permissible by Swedish laws, Sarah Bengtsson disclaims all warranties regarding all information, products and services offered on or through the Site.
RELEASE OF LIABILITY
Sarah Bengtsson will not be liable for any actions you do or not take based on the information on the Site and products or services sold through the Site. None. Sarah Bengtsson will not be liable for any damages based on your participation of using the Site or through anything you have purchased through the Site.
Further, you understand that by the fullest extent permissible by law that Sarah Bengtsson will not be held responsible for any form of damages or any legal claims against it based out of your use of the Site and through any of the services or products purchased through the Site.
Please feel free to connect with Sarah Bengtsson to ask us any questions. All communications should be directed to email@example.com.