Coleman Financial Firm

 

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SERVICE DISCLAIMERS

CLIENT SERVICE AGREEMENTS

PRIVACY POLICY

TERMS OF SERVICE

REFUND POLICY

WEBSITE DISCLAIMER

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Effective Date: May 15, 2026

www.colemanfinancialfirm.com

support@colemanfinancialfirm.com

(754) 300-8663

 

 

SECTION 1: SERVICE DISCLAIMERS

 

Service Disclaimers

The following disclaimers apply to the services offered by Coleman Financial Firm. By engaging any service, clients acknowledge and accept the terms set forth below. These disclaimers are intended to clarify the nature and limitations of each service provided.

1.1  Financial Coaching Disclaimer

Coleman Financial Firm provides financial coaching services for educational and informational purposes only. Our financial coaches are not licensed investment advisors, attorneys, accountants, or certified financial planners (CFP) unless otherwise explicitly stated in writing.

 

This service does not constitute:

• Investment advice or recommendations to buy, sell, or hold any securities

• Legal advice or legal representation of any kind

• Tax advice or certified tax planning

• Accounting or auditing services

• Psychological or therapeutic counseling

 

Financial coaching sessions are designed to help clients understand financial concepts, develop money management habits, and work toward self-defined financial goals. Results are not guaranteed and vary based on individual circumstances, effort, market conditions, and factors outside the control of Coleman Financial Firm.

Clients are strongly encouraged to consult with a licensed financial advisor, CPA, or attorney before making significant financial decisions.

1.2  Tax Preparation Disclaimer

Coleman Financial Firm offers tax preparation services to assist clients in preparing and filing federal and state income tax returns. Our tax preparers are trained professionals; however, the following limitations apply:

 

• Coleman Financial Firm is not a law firm and does not provide legal representation before the IRS or any state taxing authority unless explicitly stated and a valid Power of Attorney (POA) is in place.

• Tax outcomes, including refund amounts or liability determinations, depend on the accuracy and completeness of information provided by the client.

• Tax laws change frequently. While we make every reasonable effort to remain current, we cannot guarantee that all interpretations will be accepted by the IRS or applicable tax authority.

• Clients are responsible for retaining copies of all tax documents and supporting records for a minimum of seven (7) years.

• Coleman Financial Firm is not liable for penalties, interest, or assessments resulting from client-provided inaccurate, incomplete, or fraudulent information.

 

Any audit support services provided are limited to reviewing and explaining the prepared return unless a separate Audit Representation Agreement is executed in writing.

1.3  Credit Restoration / Credit Optimization Disclaimer

Coleman Financial Firm provides credit restoration and optimization services to assist clients in identifying inaccurate, unverifiable, or outdated information on their credit reports and exercising their rights under the Fair Credit Reporting Act (FCRA) and related laws.

 

Important disclosures required by law:

• You have the right to dispute inaccurate information on your credit report directly with the credit bureaus (Equifax, Experian, and TransUnion) at no charge.

• Coleman Financial Firm cannot guarantee the removal of any specific item from your credit report.

• Coleman Financial Firm cannot guarantee any specific increase in your credit score.

• Results vary based on individual credit profiles, creditor responses, and bureau processing timelines.

• Coleman Financial Firm does not advise clients to make any false or misleading statements to credit reporting agencies, creditors, or any other party.

• Negative accurate information may remain on your credit report for up to seven (7) years, or ten (10) years for certain bankruptcies, regardless of dispute efforts.

 

Nothing in our credit restoration services should be construed as legal advice. Clients with complex credit legal matters are encouraged to consult with a consumer law attorney.

1.4  Business Consulting / Business Formation Disclaimer

Coleman Financial Firm provides business consulting and formation assistance services to entrepreneurs and small business owners. These services are advisory and educational in nature.

 

The following limitations apply:

• Coleman Financial Firm is not a law firm and does not provide legal advice. Business formation documents (such as Articles of Organization or Operating Agreements) prepared by Coleman Financial Firm are provided as templates or administrative assistance and do not constitute legal counsel.

• Clients should consult with a licensed business attorney for legal advice regarding entity selection, liability protection, contracts, and regulatory compliance.

• Coleman Financial Firm is not a licensed CPA firm. Business consulting does not include certified accounting, auditing, or preparation of financial statements for third-party reliance.

• Business success projections, revenue models, or strategic recommendations are estimates based on available information and industry data. Actual results may differ materially.

• Coleman Financial Firm is not responsible for any business decisions made based on consulting advice, and the client assumes full responsibility for all business decisions.

 

By engaging our business consulting services, the client acknowledges they have read and understood this disclaimer and agree to seek independent legal and accounting counsel as needed.

 

 

SECTION 2: CLIENT SERVICE AGREEMENTS

 

Client Service Agreements

The following agreements govern the relationship between Coleman Financial Firm and its clients for each major service category. By enrolling in or purchasing any service, clients agree to be bound by the applicable agreement below, as well as the general Terms of Service contained in this document.

2.1  Financial Coaching Service Agreement

Parties

This agreement is entered into between Coleman Financial Firm ("Company") and the individual or entity enrolling in financial coaching services ("Client").

Scope of Services

The Company agrees to provide the following coaching services as selected by the Client:

• One-on-one financial coaching sessions (virtual or in-person)

• Personalized budget and cash flow analysis

• Debt reduction strategy development

• Savings and wealth-building goal planning

• Financial education resources and materials

• Between-session accountability check-ins (as included in selected package)

Client Responsibilities

The Client agrees to:

• Provide accurate and complete financial information as requested

• Actively participate in scheduled sessions and complete assigned action items

• Notify the Company at least 24 hours in advance to reschedule or cancel a session

• Understand that results depend on their own commitment and effort

Fees and Payment

Coaching fees are as outlined in the selected service package at the time of enrollment. Payment is due prior to each session or in full at the start of a package, as specified. The Company reserves the right to update pricing with 30 days' written notice.

Confidentiality

The Company will maintain the confidentiality of all Client information shared during coaching sessions, except as required by law or with explicit written consent of the Client.

Limitation of Liability

The Company's total liability arising out of or related to this agreement shall not exceed the total fees paid by the Client in the three (3) months preceding the claim. The Company shall not be liable for indirect, incidental, or consequential damages of any kind.

Termination

Either party may terminate this agreement with 14 days' written notice. Unused prepaid sessions will be refunded per the Refund Policy contained in this document.

 

2.2  Tax Preparation Service Agreement

Parties

This agreement is entered into between Coleman Financial Firm ("Company") and the Client engaging tax preparation services.

Scope of Services

The Company agrees to prepare and file the tax returns specified by the Client, which may include:

• Federal individual income tax returns (Form 1040 and applicable schedules)

• State income tax returns for applicable states

• Self-employment and small business tax returns (Schedule C, Schedule SE)

• Prior year tax returns (additional fees may apply)

• Amended returns (Form 1040-X) where applicable

Client Responsibilities

The Client agrees to:

• Provide all tax documents (W-2s, 1099s, receipts, etc.) in a timely manner

• Review and approve the completed return before filing

• Sign all required authorization forms, including Form 8879 for e-file authorization

• Notify the Company immediately of any IRS or state notices received

• Retain copies of all tax records for a minimum of seven (7) years

Accuracy and Reliance

The Company's ability to prepare an accurate return is entirely dependent on the completeness and accuracy of information provided by the Client. The Client represents that all information provided is true, accurate, and complete to the best of their knowledge.

Fees and Payment

Tax preparation fees are based on the complexity of the return and the services selected. Fees are due upon completion of the return prior to filing. Rush filing fees may apply for returns requested within five (5) business days of a tax deadline.

E-File Authorization

By signing Form 8879 or equivalent state authorization, the Client authorizes the Company to electronically file their return(s) on their behalf. The Client remains solely responsible for the accuracy of information provided.

Limitation of Liability

The Company shall not be liable for penalties or interest resulting from (a) inaccurate or incomplete information provided by the Client, (b) Client failure to respond to IRS or state correspondence in a timely manner, or (c) changes in tax law enacted after the return was prepared.

 

2.3  Credit Restoration Service Agreement

Parties

This agreement is entered into between Coleman Financial Firm ("Company") and the Client enrolling in credit restoration services.

Required Disclosures (Federal Law)

Under the Credit Repair Organizations Act (CROA), 15 U.S.C. § 1679, the Company is required to inform you of the following before you sign this agreement:

• You have the right to dispute inaccurate information in your credit report yourself, free of charge.

• You may cancel this contract without penalty or obligation within three (3) business days of signing.

• This agreement cannot require waiver of any of your rights under state or federal law.

Scope of Services

The Company agrees to:

• Obtain and review the Client's credit reports from all three major bureaus

• Identify items that may be inaccurate, unverifiable, or outdated

• Prepare and send dispute letters to credit bureaus and/or creditors on the Client's behalf

• Track dispute responses and follow up as appropriate

• Provide the Client with regular progress updates

• Provide credit education and best-practice guidance

Client Responsibilities

The Client agrees to:

• Provide valid identification and authorization for credit report access

• Forward any correspondence received from credit bureaus or creditors to the Company within five (5) business days of receipt

• Refrain from applying for new credit, closing existing accounts, or making large purchases during active dispute periods without consulting the Company

• Not make any false or misleading statements to creditors, bureaus, or the Company

No Guarantee

The Company makes no guarantee regarding the removal of any specific item from the Client's credit report or any specific improvement in the Client's credit score. The Client understands that results vary based on individual circumstances and creditor/bureau responses.

Fees and Payment

Credit restoration fees are as specified in the selected package. Monthly retainer fees (if applicable) are due on the same date each month. The Company will not charge any fee before services are fully rendered in compliance with the CROA.

Right of Cancellation

The Client may cancel this agreement within three (3) business days of signing without any penalty. After the cancellation period, either party may terminate with 14 days' written notice. Fees paid for completed work are non-refundable.

 

2.4  Business Consulting / Business Formation Service Agreement

Parties

This agreement is entered into between Coleman Financial Firm ("Company") and the Client engaging business consulting or formation services.

Scope of Services

Services may include, but are not limited to:

• Business entity selection guidance (LLC, S-Corp, sole proprietorship, etc.)

• Filing of Articles of Organization or Incorporation with the applicable state

• Registered Agent coordination

• Operating Agreement or Bylaws template preparation

• EIN application assistance

• Business plan development and review

• Business banking and funding strategy guidance

• Branding, marketing strategy, and launch planning consultation

Engagement and Deliverables

The specific deliverables, timelines, and fees will be outlined in a Statement of Work (SOW) provided to the Client at the time of engagement. The SOW is incorporated by reference into this agreement.

Client Responsibilities

The Client agrees to:

• Provide accurate business information, owner information, and any required documentation in a timely manner

• Review and approve all filings and documents before submission

• Understand that state filing timelines are outside the Company's control

• Seek independent legal and accounting advice for decisions requiring licensed professional guidance

Intellectual Property

All deliverables produced by the Company for the Client under this agreement become the property of the Client upon full payment of applicable fees. The Company retains the right to use anonymized project details for portfolio or marketing purposes.

Fees and Payment

Fees for business formation services are typically charged as a flat fee per project, as specified in the SOW. Consulting retainer fees, if applicable, are billed monthly. A deposit may be required before work commences.

Limitation of Liability

The Company's liability is limited to the total fees paid for the specific engagement. The Company is not liable for business losses, loss of revenue, regulatory penalties, or any consequential damages arising from consulting services.

 

 

SECTION 3: PRIVACY POLICY

 

Privacy Policy

Effective Date: May 15, 2026

Coleman Financial Firm ("we," "us," or "our") is committed to protecting the privacy of our clients and website visitors. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit www.colemanfinancialfirm.com or engage our services.

By using our website or services, you consent to the practices described in this policy. If you do not agree, please do not use our website or services.

3.1  Information We Collect

Personal Information You Provide

• Full name and contact information (address, phone number, email)

• Date of birth and Social Security Number (for tax and credit services only)

• Financial information including income, debts, account details, and tax documents

• Business information including EIN, business name, and formation documents

• Payment information (processed securely through third-party payment processors)

Information Collected Automatically

• IP address and browser/device information

• Pages visited, time spent, and links clicked on our website

• Cookies and similar tracking technologies (see Cookie Policy below)

3.2  How We Use Your Information

We use the information we collect to:

• Provide, operate, and improve our services

• Communicate with you about your account, services, and appointments

• Prepare tax returns, credit dispute letters, and business documents on your behalf

• Send promotional communications (with your consent; opt-out available at any time)

• Comply with applicable laws, regulations, and legal obligations

• Detect and prevent fraud or unauthorized use of our services

3.3  How We Share Your Information

We do not sell your personal information. We may share your information with:

• Credit bureaus and creditors as necessary to provide credit restoration services

• IRS, state tax authorities, and regulatory bodies as required by law

• State filing agencies for business formation

• Service providers who assist in operating our business (e.g., payment processors, email platforms) under strict confidentiality agreements

• Law enforcement or legal authorities when required by valid legal process

We will not share your information with third parties for their own marketing purposes.

3.4  Data Security

We implement commercially reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, use, or disclosure. However, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security.

3.5  Data Retention

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. Tax-related records are retained for a minimum of seven (7) years. Credit repair records are retained for a minimum of five (5) years.

3.6  Your Rights

Depending on your state of residence, you may have the right to:

• Access the personal information we hold about you

• Request correction of inaccurate information

• Request deletion of your personal information (subject to legal retention requirements)

• Opt out of marketing communications at any time

To exercise any of these rights, contact us at support@colemanfinancialfirm.com.

3.7  Cookies

Our website uses cookies to enhance your browsing experience, analyze traffic, and understand user preferences. You may disable cookies in your browser settings; however, some features of our website may not function properly without them.

3.8  Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected such information, please contact us immediately.

3.9  Changes to This Policy

We reserve the right to update this Privacy Policy at any time. Changes will be posted on this page with an updated effective date. Continued use of our services after changes constitutes acceptance of the revised policy.

3.10  Contact Us

For privacy-related questions or requests, contact: Coleman Financial Firm | support@colemanfinancialfirm.com | (754) 300-8663

 

 

SECTION 4: TERMS OF SERVICE

 

Terms of Service

Effective Date: May 15, 2026

These Terms of Service ("Terms") govern your access to and use of the services provided by Coleman Financial Firm ("Company," "we," "us," or "our"), including our website located at www.colemanfinancialfirm.com. By accessing our website or engaging our services, you agree to these Terms in their entirety.

4.1  Eligibility

You must be at least 18 years of age and legally capable of entering into a binding contract to use our services. By using our services, you represent and warrant that you meet these requirements.

4.2  Services

Coleman Financial Firm offers tax preparation, credit restoration, financial coaching, business formation, and related educational services. The specific terms, scope, and pricing for each service are described in the applicable Service Agreement, which is incorporated by reference into these Terms.

4.3  Accounts and Registration

When you create an account or submit a service intake form, you agree to provide accurate, current, and complete information. You are responsible for maintaining the security of your account credentials and for all activities that occur under your account.

4.4  Fees and Payment

All fees are displayed at the time of enrollment or as described in your Statement of Work or Service Agreement. Payment is due as specified. We accept major credit and debit cards and other payment methods as displayed at checkout. All fees are in U.S. dollars.

Failure to pay fees when due may result in suspension or termination of services. Outstanding balances may be referred to collections.

4.5  Intellectual Property

All content on our website, including text, graphics, logos, and training materials, is the property of Coleman Financial Firm or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without written permission.

4.6  User Conduct

When using our services or website, you agree not to:

• Provide false, misleading, or fraudulent information

• Use our services for any unlawful purpose

• Interfere with or disrupt our website or servers

• Attempt to gain unauthorized access to any portion of our systems

• Violate any applicable federal, state, or local law or regulation

4.7  Third-Party Links

Our website may contain links to third-party websites. We do not endorse or assume responsibility for the content, privacy practices, or terms of any third-party sites. Accessing third-party links is at your own risk.

4.8  Disclaimer of Warranties

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT OUR SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

4.9  Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, COLEMAN FINANCIAL FIRM SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF OUR SERVICES. OUR TOTAL LIABILITY TO YOU SHALL NOT EXCEED THE TOTAL FEES PAID BY YOU IN THE THREE (3) MONTHS PRECEDING THE CLAIM.

4.10  Indemnification

You agree to indemnify and hold harmless Coleman Financial Firm, its officers, employees, agents, and contractors from any claims, damages, losses, or expenses (including reasonable attorney's fees) arising from your use of our services, your breach of these Terms, or your violation of any applicable law.

4.11  Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Florida, without regard to its conflict of law principles. Any disputes arising from these Terms or our services shall first be subject to good-faith negotiation. If unresolved, disputes shall be submitted to binding arbitration in Florida in accordance with the rules of the American Arbitration Association (AAA). You waive any right to a jury trial.

4.12  Modifications

We reserve the right to modify these Terms at any time. Updated Terms will be posted on our website with a revised effective date. Continued use of our services after changes constitutes acceptance of the revised Terms.

4.13  Entire Agreement

These Terms, together with our Privacy Policy, applicable Service Agreements, and any applicable Statements of Work, constitute the entire agreement between you and the Company regarding the subject matter herein and supersede all prior agreements.

 

 

SECTION 5: REFUND POLICY

 

Refund Policy

Effective Date: May 15, 2026

Coleman Financial Firm is committed to delivering high-quality services. This Refund Policy outlines the conditions under which refunds may be issued for each service category.

5.1  Financial Coaching

• Sessions canceled at least 24 hours in advance will be rescheduled or fully refunded.

• Same-day cancellations and no-shows are non-refundable.

• Unused sessions in a prepaid coaching package may be refunded on a prorated basis within 30 days of purchase if the Client has not yet attended more than one session.

• After the 30-day window or once two or more sessions have been completed, no refunds will be issued for remaining sessions.

5.2  Tax Preparation

• If a return has not yet been prepared or filed, a full refund of any deposit paid will be issued upon written cancellation.

• Once a return has been prepared and delivered to the Client for review, a preparation fee is earned and non-refundable, regardless of whether the return has been filed.

• If an error is identified that is directly attributable to the Company (not client-provided information), the Company will correct the return at no additional charge. Refunds for preparation fees in error cases are evaluated on a case-by-case basis.

• Filing fees paid to the IRS or state agencies are not refundable by the Company.

5.3  Credit Restoration

• As required by the Credit Repair Organizations Act, the Company will not charge any fee before services are fully performed.

• Monthly retainer fees are earned upon completion of each month's work and are non-refundable for the completed period.

• Clients may cancel future services with 14 days' written notice. Fees for work not yet performed will be refunded.

• No refunds will be issued based on credit score outcomes, as results cannot be guaranteed.

5.4  Business Consulting / Business Formation

• For flat-fee formation projects: if work has not commenced, a full refund of any deposit will be issued.

• Once filing or document preparation has begun, the deposit is non-refundable. Any remaining balance for uncompleted work will be refunded.

• State filing fees paid on the Client's behalf are non-refundable once submitted to the applicable agency.

• Monthly consulting retainer fees are non-refundable for the current billing period.

5.5  Tax School / Educational Programs

• Refunds for educational programs will be issued only if requested within 7 days of enrollment and before accessing more than 20% of course content.

• After the 7-day window or upon accessing more than 20% of content, all enrollment fees are non-refundable.

• Course materials, digital downloads, and templates are non-refundable once accessed.

5.6  How to Request a Refund

All refund requests must be submitted in writing to support@colemanfinancialfirm.com with your full name, service type, date of purchase, and reason for the request. Refund requests will be reviewed and responded to within ten (10) business days. Approved refunds will be processed to the original payment method within 7 to 10 business days of approval.

5.7  Chargebacks

If a Client initiates an unauthorized chargeback with their financial institution for services rendered, the Company reserves the right to dispute the chargeback and suspend all services pending resolution. The Client may be responsible for any chargeback fees incurred by the Company.

 

 

SECTION 6: WEBSITE DISCLAIMER

 

Website Disclaimer

Effective Date: May 15, 2026

6.1  General Information Only

The content published on www.colemanfinancialfirm.com is provided for general informational and educational purposes only. Nothing on this website constitutes legal advice, financial advice, investment advice, tax advice, or any other form of professional advice. Coleman Financial Firm is not a law firm, investment advisory firm, or certified public accounting firm.

You should not act or refrain from acting based on information on this website without first consulting a licensed professional qualified in the relevant area.

6.2  No Attorney-Client or Professional Relationship

Viewing or using this website, submitting a contact form, or engaging in any communication with us does not create an attorney-client relationship, advisor-client relationship, or any other professional relationship. Such relationships are formed only through executed written service agreements.

6.3  Accuracy of Information

While we strive to keep the information on our website accurate and up to date, Coleman Financial Firm makes no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or suitability of the information. Any reliance you place on such information is strictly at your own risk.

6.4  External Links

Our website may contain links to external websites that are not maintained by or affiliated with us. We are not responsible for the content, accuracy, or practices of any third-party websites. The inclusion of any link does not constitute an endorsement by the Company.

6.5  Testimonials and Results

Testimonials and client success stories featured on this website reflect the experiences of individual clients and are not guaranteed to represent typical results. Individual outcomes will vary based on personal circumstances, effort, and factors beyond our control.

6.6  Limitation of Liability

To the fullest extent permitted by applicable law, Coleman Financial Firm shall not be liable for any loss or damage, whether direct, indirect, incidental, or consequential, arising out of or in connection with your use of or reliance on any content, material, or information on this website.

6.7  Changes to This Website

Coleman Financial Firm reserves the right to make changes to this website, its content, and these disclaimers at any time without notice. We encourage you to review this page periodically for updates.

6.8  Contact

If you have questions about any of the content on our website or any of the policies in this document, please contact us:

 

Coleman Financial Firm

Email: support@colemanfinancialfirm.com

Phone: (754) 300-8663

Website: www.colemanfinancialfirm.com

Office Hours: Monday through Friday, 9:00 AM to 6:00 PM EST

 

© 2026 Coleman Financial Firm. All rights reserved. This document is for informational purposes only and does not constitute legal advice. Please consult a licensed attorney for legal guidance specific to your situation.