Terms of Service

1. Nature of Services

North Bridge Consulting provides personal development, business growth, and financial literacy coaching delivered through:

• One-on-one coaching sessions
• Strategic planning frameworks
• Educational materials and guidance

We do not provide legal, investment, tax, lending, credit repair, or financial advisory services, and we do not manage or hold client funds.

All services are intended for educational and informational purposes only.

2. Client Responsibility

You acknowledge that:

• Results are not guaranteed
• Outcomes vary based on individual effort and external factors
• You are solely responsible for decisions and actions taken

3. Payment Terms

• Payment is required in full or via agreed plan prior to service delivery
• By submitting payment, you authorize charges to your selected method
• Failure to complete payments may result in suspension of services

4. Service Delivery

• Services are delivered digitally and/or through scheduled sessions
• Access to services may begin immediately upon purchase
• Timelines vary based on the selected package and client participation

5. Communication

Communication is conducted via email, phone, or scheduled sessions. Response times vary by service level.

6. Refund Policy

See our Refund Policy for full details. In short: a full refund is available within 7 days of purchase if no session has been attended and no materials accessed. Once an engagement has started, payments for sessions already delivered are non-refundable.

7. Rescheduling

Sessions may be rescheduled with at least 24 hours' notice. Missed sessions without notice may be forfeited.

8. Limitation of Liability

North Bridge Consulting is not liable for:

• Financial outcomes
• Business results
• Any indirect or consequential damages

All services are provided "as is" without warranties.

9. Disputes

If a concern comes up, please contact us first — we'll work with you to resolve it directly.