Coaching Terms & Conditions

Last updated: 10 September 2026

1. Introduction

This agreement outlines the terms and conditions under which Manna Financial Freedom will provide financial coaching services to you, and explains how we handle your personal data in compliance with the UK General Data Protection Regulation (UK GDPR). By entering into a coaching relationship with us, you confirm that you have read, understood, and agreed to the terms outlined in this document.

2. Scope of Services

Manna Financial Freedom offers personal financial coaching with a focus on helping clients:

Understand their current financial situation
Create realistic budgets
Set and work towards financial goals
Develop positive financial habits
Learn foundational financial principles using the M.A.N.N.A. Framework

These services are designed for educational and coaching purposes only. We do not provide regulated financial advice or specific product recommendations. Should regulated advice be required, this can be offered by Natasha Smith separately through Throgmorton Private Capital Ltd, which is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 431157).

Coaching services may be delivered through one-on-one sessions (virtual), group workshops, written resources, and email/telephone communication.

Services are available to clients aged 18 and over. Clients under 18 require parental/guardian consent and participation in all sessions.

3. Client Responsibilities

As a coaching client, you agree to:

Participate actively and honestly in coaching sessions
Take full responsibility for your own decisions and outcomes
Communicate with your coach between sessions as needed, particularly regarding challenges or questions related to your action plans
Respect scheduled session times and the terms of your selected package
Ensure you have a reliable internet connection and appropriate device for virtual sessions

You acknowledge that coaching is a collaborative process and that your results depend on your personal commitment and effort. Manna Financial Freedom does not guarantee any specific financial outcomes.

4. Package Terms & Conditions

To ensure consistency and fairness across all services, the following terms apply:

4.1 Validity & Usage Periods

Clarity, Momentum, and Breakthrough Packages must be used within 6 months of the first session.
Freedom Journey Package must be used within 15 months of the first session.
Sessions not used within these timeframes will be forfeited unless an extension is agreed in writing.

Package Extensions:

Extensions may be granted in exceptional circumstances (e.g., serious illness, bereavement, or unavoidable emergency)
Extension requests must be submitted in writing at least 2 weeks before the package expiry date
Extensions are granted at the coach's discretion and may incur an administrative fee of £25
Standard extensions are for up to 3 months

4.2 Session Scheduling & Rescheduling

Clients are responsible for scheduling their sessions promptly
We recommend booking all sessions in advance to ensure availability
Sessions may be rescheduled with at least 24 hours' notice at no charge
Sessions cancelled or rescheduled with less than 24 hours' notice will be forfeited and counted as used
Emergency exceptions may be considered on a case-by-case basis (e.g., sudden illness, family emergency)

4.3 Virtual Session Technology

Sessions are conducted via Zoom (link provided upon booking)
Clients need: a stable internet connection, a device with camera/microphone, and a quiet, private space
If technical difficulties occur, we will attempt to reconnect for up to 10 minutes; if unresolved, the session will be rescheduled at no charge
Recordings of sessions are not provided unless specifically agreed in writing

4.4 Payment Terms

Packages must be paid in full 48 hours before the first session, unless a payment plan has been arranged
Payment is accepted by bank transfer or via the Square/Stripe payment link provided
Payment Plans: Available through Clearpay via our payment system. Clearpay allows you to split payments into instalments according to their terms. The first instalment must be processed 48 hours before your first session. You remain responsible for all Clearpay payments even if you do not complete your coaching package
Sessions cancelled with less than 24 hours' notice will be forfeited (not refunded)
Packages are non-transferable and must be used by the named client(s) within the agreed time period
Non-refundable: Payments are non-refundable after the first session has taken place, except under exceptional circumstances as determined by Manna Financial Freedom
Manna Financial Freedom reserves the right to update or amend package features, pricing, and availability at any time without prior notice
Any changes will not affect packages already purchased or sessions already booked
We are committed to maintaining the quality and value of all coaching services provided

Special Offers: From time to time, Manna Financial Freedom may offer promotional pricing, limited-time packages, or special rates. These offers will have their own specific terms and expiry dates, which will be clearly communicated at the time of promotion.

4.5 Cooling-Off Period

In accordance with the UK Consumer Contracts Regulations, you have the right to cancel your package within 14 days of purchase for a full refund, provided no sessions have taken place. If you wish to begin coaching within the 14-day cooling-off period, you expressly agree to waive your right to a full refund, and any refund after this point will be at the discretion of Manna Financial Freedom based on the circumstances.

To exercise your cooling-off right, contact natasha@mannafinancial.co.uk in writing.

4.6 Package Details

Specific details of available coaching packages, including number of sessions, features, and pricing, will be provided separately at the time of enquiry or booking. Package inclusions are tailored to meet individual client needs and may be subject to updates to ensure the highest quality of service.

Definition of "Couple": Couple sessions are for two individuals sharing finances (married, cohabiting, or in a committed relationship). Both parties must attend all sessions together unless otherwise agreed with the coach.

Between-Session Support (where included in package):

Available Monday–Friday, 9am–5pm (excluding UK bank holidays)
Responses typically provided within 48 hours
Support is for brief questions, clarifications, and accountability check-ins
Complex issues requiring detailed analysis will be addressed in scheduled sessions
Emergency financial decisions should not rely solely on between session support

5. Confidentiality and Data Protection

We take the privacy and confidentiality of your personal and financial information seriously.

Manna Financial Freedom C.I.C. is the data controller for the personal data we collect from you. To provide your coaching, we collect and process personal data including identity details (such as your name, date of birth and marital status, and where required for our records, your National Insurance number), contact details, financial information (such as your income, expenditure, assets, debts, bank details and financial goals), lifestyle and employment details, verification data where required, and notes from your sessions.

The full detail of what we collect, how and why we use it, the lawful bases we rely on, how we share and store your data, international transfers, and your rights over your data is set out in our Privacy Policy at www.mannafinancial.co.uk/privacy-page. Please read it alongside this agreement.

In summary:

We process your data to deliver and tailor your coaching, to meet our legal and tax obligations, and to improve our services. We will not use your data for marketing without your explicit consent.
The lawful bases we rely on are the performance of our agreement with you, compliance with our legal obligations, our legitimate interest in running and improving our services, and your consent where applicable.
Everything you share with us during coaching is treated as strictly confidential. We will not share your personal or financial information with third parties except where necessary to deliver your coaching (for example, scheduling or invoicing tools), where required by law (for example, HMRC), or where you give explicit written consent. All third-party providers we use process data only under our instruction.
We keep coaching and financial records for up to six (6) years after our relationship ends, in line with HMRC guidance, after which they are securely deleted or anonymised.
You have rights over your personal data, including access, correction, erasure, restriction, objection, portability, and withdrawal of consent. To exercise them, contact natasha@mannafinancial.co.uk or 07931 371729. If you are unhappy with our response, you may complain to the UK Information Commissioner's Office (ICO) at www.ico.org.uk.

If there is any conflict between this section and our Privacy Policy, the Privacy Policy governs how we handle your personal data.

6. Cancellation and Termination

You may cancel your coaching engagement at any time by providing written notice to natasha@mannafinancial.co.uk
Refunds for unused sessions are at the discretion of Manna Financial Freedom and subject to the terms of your selected package
Manna Financial Freedom reserves the right to terminate the coaching relationship if:
- The coaching relationship is no longer productive or beneficial to the client
- The client behaves in a manner that is disrespectful, abusive, or threatening
- The client repeatedly fails to attend scheduled sessions without notice
- There is a breach of these terms and conditions

In the event of termination by the coach, a pro-rata refund for unused sessions may be offered at the coach's discretion.

7. Limitation of Liability

Manna Financial Freedom shall not be held liable for any direct or indirect loss, injury, or damage resulting from your reliance on the information provided in coaching sessions. You remain solely responsible for your financial decisions.

We do not offer regulated investment advice. If this is required, it will be provided separately through Throgmorton Private Capital Ltd, which is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 431157).

Manna Financial Freedom carries professional indemnity insurance to protect both parties in the delivery of coaching services.

8. Dispute Resolution

In the event of any dispute or disagreement arising from this agreement, both parties agree to:

First attempt resolution through good-faith discussion directly with each other
If unresolved, consider mediation through an independent third party
Only pursue legal action if the above steps have been exhausted

This approach aims to resolve issues efficiently and maintain a respectful professional relationship.

9. Accessibility and Reasonable Adjustments

Manna Financial Freedom is committed to making coaching services accessible to all clients. If you require any reasonable adjustments to participate fully in coaching (e.g., due to disability, neurodivergence, or other needs), please inform us so we can accommodate your requirements wherever possible.

10. Client Declaration and Agreement

By signing below, you confirm that:

You have read and understood this Client Agreement and Data Protection Notice
You consent to the lawful processing of your data as described
You understand the nature and scope of the coaching services
You agree to the terms outlined above
You are 18 years of age or older (or have parental/guardian consent if under 18)

11. Marketing Preferences

At Manna Financial Freedom, we occasionally send out helpful resources, newsletters, event invitations, and updates on new services or workshops that we believe may support your journey toward financial freedom.

We respect your privacy and will only send you marketing communications if you consent.

You can change your preferences or unsubscribe at any time by emailing us at natasha@mannafinancial.co.uk or clicking the unsubscribe link in our emails.

We will never sell or share your personal information with third parties for marketing purposes.