Parties. We will refer to My Ideal Balance LLC, a Limited Liability Company based in the State of Florida, as “Ideal Balance”, “us”, “we”,  or “our”, and we’ll refer to you, the undersigned (electronically or by hand) or person who has clicked “I Agree” to this Waiver, as “you” or “your”.

The Activities. You may participate, in person or online, in coaching sessions, events, workshops and more with Ideal Balance. We offer levels of unique, small-group or one-on-one coaching, which may involve but are not limited to the following (“Activities”):

Budgeting, online courses, financial planning, investment diversification, worksheets, debt tracking sheets, blogs, Live trainings, etc.

The Activities also apply to any classes or sessions made available for online streaming and participation, both live or recorded, or that take place outside of Ideal Balance’s facilities, including outdoors. We need you to acknowledge that you are responsible for the safe facilitation of the Activities happening outside of our facilities.

Inherent Risks. You understand that participating in the Activities poses inherent risks.

Financial Coach Responsibility. I aim to accurately represent the information provided on this website, blog, e-mails, programs and services. The client is acknowledging that they are participating voluntarily in using our website or blog or in any of our e-mails, programs, services and that the client alone is solely and personally responsible for their own results. The client acknowledges that they take full responsibility for their own finances and well-being, as well as the finances and well-being of your family and children (born and unborn, as applicable), and all decisions now or in the future.

No Guarantees. My role as a coach is to support and assist the client in reaching their own financial goals, but their success depends primarily on their own effort, motivation, commitment and follow-through. The coach cannot and does not guarantee that the client will attain any particular result, and the client accepts the risk that results differ by each individual. Each client’s financial success depends on his or her background, dedication, desire, and motivation. As with any coaching services, results may vary, and will be based on many variables, including but not limited to, the client’s individual capacity, life experience, unique health and genetic profile, starting point, expertise, and level of commitment.

Investments. My role as a coach is to educate clients on how to start and manage their own investments, and I do not make any specific recommendations to any specific investments. My focus is on educating the client on general asset allocation and how to manage risk by diversification. The client is liable for the final investment decisions made. With any investments, there are risks involved, which could include losing all the client’s capital. The client acknowledges that in taking part in these risks they release the financial coach from any liability for any investment decisions made. The coach does not manage investments and firmly believes that clients should take charge of their finances including managing their own investments.

Voluntary Assumption of Risk. You have read this Waiver and understand the risks of participating in the Activities with Ideal Balance. Your signature below, electronic signature or clicking 'I Agree’, and your participation in the Activities with Ideal Balance illustrates your voluntary engagement and assumption of the risks of the Activities.   

Release, Waiver and Indemnity. You hereby release, hold harmless, indemnify and waive any claims against My Ideal Balance LLC, its members, directors, officers, contractors, employees, volunteers, agents, executors, administrators, successors, family members and assigns (the “Released Parties”) from any liability and damages arising from death or personal injuries, including the contraction of COVID-19 or other communicable diseases or related to premises liability, however caused including as a result of Ideal Balance’s negligence, during your participation in the Activities with Ideal Balance. You are releasing the Released Parties at your own risk and you agree to forfeit any and all forms of legal recourse which may be available to you, including but not limited to any form of damages, as a result of your participation in the Activities. You agree that this provision applies to you, your family, heirs, executors or anyone else who may be able to bring a legal action on your behalf in the future.   

Continued Agreement. Agreement to this Waiver will act as your continued agreement to all ensuing Activities, classes, session, events, workshops, and more, whether in person, online, or via video conferencing tool. 

General Legal Provisions. Choice of Laws and Venue. This Waiver will be governed exclusively by the laws of the State of Florida. The parties agree to irrevocably submit all claims to the exclusive jurisdiction of the courts of the State of Florida. Severability. If any provisions of this Waiver are invalid or unenforceable, the other provisions in the Waiver will remain in full force and effect. Entire Agreement. This Waiver constitutes the entire agreement between the parties and replaces any prior agreements. Headings. The headings used in this Waiver are for stylistic purposes only and none of the content in the headings are intended to be legally binding. Online Agreement. We agree that this Waiver may be signed electronically or agreed to by having you click “I Agree”, the effect of which will be the same as signing by hand and the intention of which is that both parties desire to be bound by all the terms of this Waiver.