Terms of Service

Last Updated: June 29, 2026

Cancellation Policy Summary

Cancel up to 24 hours before your session → Your payment is returned — card purchases refunded to your original payment method, package or subscription sessions returned as coaching credit

Cancel within 24 hours → Non-refundable (protects your coach's time)

See Section 13 below for full details, examples, and exceptions.

These Terms of Service ("Terms") govern your access to and use of the website located at www.coachfinder.ai and our AI-assisted coaching platform (collectively, the "Services") operated by Horizon Search, Inc. ("Company," "we," "us," or "our").

By accessing or using our Services, clicking "I Agree", or registering an account, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, you may not use the Services.

1. Important Coaching & Medical Disclaimer

1.1 Coaching Is Not Therapy

CoachFinder.ai provides a platform for personal and professional coaching. Our Services and coaches are NOT licensed medical professionals, psychiatrists, or therapists unless separately disclosed in their profiles.

1.2 No Medical Advice

The Services are not intended to substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of qualified health providers with questions regarding medical or mental health conditions.

1.3 User Responsibility

You are solely responsible for your own physical, mental, and emotional well-being. CoachFinder.ai and its Coaches are not liable for any actions, decisions, or outcomes resulting from information received through the Services.

1.4 Emergency Situations

If you are experiencing a medical or mental health emergency, please contact emergency services (e.g., 911) immediately. Do not use the Services for emergency assistance.

2. Description of Services

2.1 Platform Role

CoachFinder.ai operates as a marketplace platform that connects Clients with independent Coaches. We facilitate discovery, booking, payment, and communication between parties.

2.2 AI-Assisted Features

Our Services utilize artificial intelligence to provide:

Matching recommendations between Clients and Coaches
AUTOMATIC session transcription and AI-powered session reports (a core feature of the service; see Section 7.2)
Personalized insights and progress tracking
Automated scheduling assistance

2.3 AI-Generated Content Disclaimer

You acknowledge that AI-generated insights, summaries, and recommendations are provided for informational purposes only. AI systems may produce inaccurate, incomplete, or inappropriate content. You should independently verify any AI-generated information before relying on it to make personal, professional, medical, or financial decisions. CoachFinder.ai assumes no liability for errors or omissions in AI-generated output.

2.4 In-Platform Video Calling

CoachFinder.ai offers a built-in video calling feature for conducting coaching sessions directly within the platform. Use of video calling requires a compatible device with a camera, microphone, and a stable internet connection. Session quality may vary based on your network conditions and hardware capabilities. CoachFinder.ai is not responsible for session interruptions caused by local network outages, device failures, or insufficient bandwidth.

3. User Accounts & Eligibility

Age: You must be at least 18 years old to create an account.
Country availability: New bookings and purchases may be unavailable in some countries. You must provide an accurate country of residence in Client Settings.
Security: You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account.

4. Fees, Subscriptions, and Credits

Payments: By initiating a transaction, you authorize our third-party processor to charge your payment method for the fees and applicable taxes.
Automatic Renewal: Subscriptions renew automatically at the end of each billing cycle. To avoid future charges, you must cancel via your account settings before the renewal date.
Session Credits & Expiration: If you purchase unbundled or package session credits, they must be used within 12 months from the date of purchase, after which they will expire without refund, unless otherwise explicitly stated or required by law.
Chargebacks & Disputes: All coaching package and session purchases are final and non-refundable. If a user initiates an unwarranted credit card chargeback or dispute for services that were delivered or made available, CoachFinder.ai reserves the right to immediately suspend the user's account, permanently ban the user from the platform, and pursue legal collection of the disputed funds and any associated bank fees or legal costs.
Refund Policy: All subscription payments, coaching packages, session credits, and platform fees are strictly non-refundable. Coaching is an advisory service; outcomes are dependent on the client's effort and external factors. Refunds will not be granted based on subjective dissatisfaction with coaching style, advice, or lack of anticipated results. Session-specific coach refunds are distinct (see Section 11).
Free Trials: If you sign up for a free trial and do not cancel before it expires, you will be automatically billed for the full subscription price.

5. Coach Payout Terms, Identity Verification & Disputes

5.1 Payout Schedule

Coaches who accept bookings through the CoachFinder.ai marketplace are paid via Stripe Connect on a weekly basis every Thursday. Earnings become available after the client payment clears (typically within one business day of session completion). Bank processing may take an additional 1–3 business days depending on your country and bank. CoachFinder.ai makes no guarantee of specific settlement times beyond initiation of the transfer.

5.2 Identity Verification (KYC) Requirement

Before receiving any payouts, coaches must complete identity verification through Stripe Connect (a "Know Your Customer" or KYC check). This is a legal requirement under applicable financial regulations, not a discretionary platform policy. Until KYC verification is complete and payouts are enabled on your Stripe account:

Clients cannot complete paid bookings with you;
Invoices you issue through the platform cannot be processed; and
Any earned session fees will be held until verification is resolved.

Stripe handles all verification documents securely. CoachFinder.ai does not receive, store, or have access to your government-issued identification or personal verification documents. Coaches who fail to maintain active, verified Stripe accounts in good standing may be suspended from accepting new bookings.

5.3 Payout Failures & Disputes

Payout failures may occur if bank account details are incorrect, Stripe requires updated verification documents, or a transfer is flagged for compliance review. CoachFinder.ai operates automated daily reconciliation checks to detect discrepancies between platform records and Stripe. If a discrepancy is detected, we will contact you at your registered email address within one business day.

If you believe a payout has been delayed or incorrectly withheld, you must notify CoachFinder.ai Support at support@coachfinder.ai within 30 days of the expected payout date. Disputes not raised within this window may not be recoverable.

5.4 Chargebacks & Clawbacks

If a client initiates a chargeback or payment dispute for a session that was delivered, CoachFinder.ai will use reasonable efforts to contest the dispute on your behalf using session records and platform data. If a chargeback is upheld, the disputed amount plus any associated bank fees may be deducted from future payouts or invoiced to you. Coaches agree to cooperate with dispute investigations by providing session records, communications, or other evidence upon request.

5.5 Independent Contractor Responsibility

Coaches are independent contractors responsible for their own tax obligations on earnings received through the platform. CoachFinder.ai does not withhold income tax, Social Security, or other taxes from coach payouts. Coaches are solely responsible for reporting and remitting applicable taxes to the relevant authorities in their jurisdiction. Stripe may issue tax forms (such as a 1099-K in the United States) where required by law.

5. Marketplace Rules & Non-Circumvention

5.1 Non-Circumvention (Platform Leakage)

You agree not to circumvent the CoachFinder.ai platform by soliciting, directly or indirectly, the coaching services, payments, or communications of a Coach or Client off-platform to avoid platform fees. Doing so may result in immediate account termination and a circumvention fee equal to the greater of $500 or the estimated platform fees that would have been earned over a 12-month period.

5.2 Independent Contractor Status

Coaches are independent contractors, not employees, agents, or partners of Horizon Search, Inc. CoachFinder.ai is not responsible for any labor, employment, or tax claims regarding Coaches.

5.3 Vetting Disclaimer

While we strive to curate a high-quality platform, CoachFinder.ai does not endorse, guarantee, or independently verify the credentials, background, or statements of any Coach. Clients assume the risk of engaging with a Coach and should use their best judgment.

6. User Content, AI Training, and Copyright

Ownership: You retain ownership of any data or messages you upload ("User Content").
License: You grant CoachFinder.ai a worldwide, royalty-free license to host, store, and process your content to provide the Services.
Right to Monitor: CoachFinder.ai reserves the right (but not the obligation) to monitor, review, or remove User Content at our sole discretion if it violates these Terms or harms the platform.
AI Optimization: We may use de-identified, aggregated data to improve our platform. We will only use your specific, identifiable coaching transcripts to train our proprietary AI models if you provide explicit opt-in consent in your privacy settings.

6.1 DMCA / Copyright Policy

We respect intellectual property rights. If you believe your copyright has been infringed, please send a written takedown notice to our designated Copyright Agent at legal@coachfinder.ai. Your notice must include:

A physical or electronic signature of the copyright owner or authorized representative;
Identification of the copyrighted work claimed to have been infringed;
Identification of the material that is claimed to be infringing and information reasonably sufficient to permit us to locate the material;
Your contact information, including address, telephone number, and email;
A statement that you have a good faith belief that use of the material is not authorized; and
A statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the copyright owner.

We reserve the right to remove infringing content and terminate repeat infringers.

7. Video Call Services

7.1 Acceptable Use of Video Calling

CoachFinder.ai provides in-platform video calling exclusively for the purpose of conducting scheduled coaching sessions between matched Coaches and Clients. You agree to use the video calling feature only for its intended purpose and in accordance with these Terms. Misuse of the video feature, including but not limited to using it for purposes unrelated to coaching, may result in account suspension.

7.2 Automatic Session Transcription

BY USING THE COACHFINDER.AI VIDEO CALLING FEATURE, YOU ACKNOWLEDGE AND AGREE THAT SESSION AUDIO IS AUTOMATICALLY PROCESSED TO GENERATE TEXT TRANSCRIPTS AND AI-POWERED SESSION REPORTS. THIS PROCESSING IS A CORE, INTEGRAL FEATURE OF THE COACHFINDER.AI SERVICE AND IS NECESSARY FOR THE DELIVERY OF AI-POWERED COACHING INSIGHTS, PROGRESS TRACKING, AND SESSION REPORTS AS DESCRIBED IN SECTION 2.2, UNLESS RECORDING IS TURNED OFF FOR THAT SESSION AS DESCRIBED BELOW.

Audio Processing: When session recording is enabled, session audio is held only for as long as it takes to produce the transcript — ordinarily a few minutes after the session ends. During that window it is stored encrypted and sent to our transcription service provider (Deepgram, Inc.) for speech-to-text conversion; as soon as the transcript exists, the audio is deleted. If a deletion does not complete, you can request removal at any time. Where transcription fails, the audio is kept so the attempt can be repeated, and is deleted once transcription succeeds or on request. We keep no library of session audio: it is never retained as a record of the session, and there is no way to play it back or download it. Only the resulting text transcript is stored.

Transparency: When recording starts, the platform displays a "Recording" indicator to participants for the remainder of the session. Where a participant has turned recording off for that session, the indicator states that the session is not being recorded.

Opt-Out: Either participant — Coach or Client — may turn off recording and transcription for an individual session (labelled "Session notes" in the product), from the session card or from the pre-call screen, at any time before the session begins. One participant turning it off is sufficient, and the other participant cannot override that choice. Where a session has been opted out, recording does not start, no transcript is generated, and no AI session report is produced for that session. If any audio was nonetheless captured before the opt-out took effect, it is deleted without being transcribed.

Legal Basis: This processing is performed under the legal basis of contractual necessity. By creating an account and accepting these Terms, you have entered into a contract for a service that includes automatic transcription and AI reporting as core features. If you do not wish a particular session to be transcribed, you may turn recording off for that session yourself, as described above; alternatively, you may discontinue use of the video calling feature.

7.3 Prohibition on External Recording

You agree not to record, capture, screenshot, or otherwise reproduce session content using any third-party tools, software, or devices (including screen recorders, audio capture applications, or external cameras) without the clear, documented consent of the other session participant. Unauthorized recording is a violation of these Terms and may result in immediate account termination and potential legal action.

7.4 Use of Transcripts and AI-Generated Reports

When recording is enabled for a session — that is, where neither participant has turned it off — session transcripts and AI-generated summaries are produced exclusively for the benefit of the Coach and Client involved in that session. These materials are intended to support coaching objectives, facilitate progress tracking, and enhance session continuity. Transcripts and AI reports are not shared with any third party, including employers or enterprise sponsors, without your explicit written authorization. Enterprise administrators may only access aggregated, anonymized metrics that cannot identify individual session content.

7.5 Data Retention and Deletion

Session audio is deleted once its transcript has been generated, ordinarily within minutes of the session ending. Where transcription fails, the audio is kept so the attempt can be repeated, and is deleted when transcription succeeds or on request. Session transcripts are retained for up to 1 year after the session. AI-generated session reports are retained for the duration of your active account. You may request early deletion of any session recording, transcript, or AI report at any time by contacting privacy@coachfinder.ai or through your account settings. Deletion requests are processed within 30 days.

7.6 Enterprise Data Processing

Enterprise clients operating under a Master Services Agreement (MSA) or Data Processing Agreement (DPA) may negotiate custom data retention schedules, storage locations, and access controls for session recordings and transcripts. In the event of a conflict between these Terms and an executed DPA, the terms of the DPA will prevail with respect to data processing obligations.

7.7 Network and Quality Disclaimer

Video session quality depends on your internet connection speed, bandwidth availability, device hardware, and local network conditions. CoachFinder.ai does not guarantee uninterrupted, error-free, or high-definition video performance. We are not liable for session disruptions, audio/video quality degradation, or session time lost due to connectivity issues, Internet Service Provider outages, or device hardware failures. If a session is disrupted, participants may reconnect or reschedule in accordance with the applicable cancellation policy.

8. Prohibited Conduct & Data

You agree not to:

Upload or share Protected Health Information (PHI) or highly sensitive medical data. Our platform is not HIPAA compliant.
Use the Services for any illegal purpose or to harm/exploit others.
Record, capture, or distribute session content using third-party tools (screen recorders, audio capture apps, etc.) without the explicit, documented consent of the other participant.
Circumvent any security features or attempt to reverse-engineer the platform.
Use bots, scrapers, or automated tools to access the Services without permission.
Use the platform to develop a competing product or service.

9. Third-Party Integrations & Enterprise Services

8.1 Third-Party Services

Our Services heavily rely on Third-Party integrations (e.g., Google Calendar, Microsoft Teams, Stripe). CoachFinder.ai is not liable for service interruptions, missed sessions, or lost data caused by third-party outages or failures.

8.2 Enterprise Users

If you access CoachFinder.ai through a corporate or employer sponsor (e.g., via Microsoft Teams or Enterprise Single Sign-On), your use may additionally be governed by a separate Master Services Agreement (MSA) between CoachFinder.ai and your employer. In the event of a conflict, the terms of the MSA will prevail. Furthermore, your employer may have visibility into specific aggregate platform usage as dictated by the MSA.

10. Limitation of Liability

9.1 Disclaimer of Warranties

THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED.

9.2 Limitation of Damages

TO THE MAXIMUM EXTENT PERMITTED BY LAW, COACHFINDER.AI'S TOTAL LIABILITY FOR ANY CLAIM SHALL NOT EXCEED THE GREATER OF $100 OR THE AMOUNT YOU PAID US IN THE PAST 12 MONTHS. WE ARE NOT LIABLE FOR ANY INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES.

11. Indemnification

You agree to indemnify, defend, and hold harmless Horizon Search, Inc. (and our affiliates, officers, directors, agents, and employees) from and against any claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney's fees) arising from:

Your use of and access to the Services;
Your violation of any term of these Terms of Service;
Your violation of any third-party right, including without limitation any copyright, property, or privacy right; or
Any claim that your User Content caused damage to a third party.

This defense and indemnification obligation will survive these Terms of Service and your use of the Services.

13. Member Disputes & Refunds

13.1 Refund Policy Overview

When you are eligible for a refund, we return your payment the same way you made it. Sessions paid individually by card are refunded to your original payment method; sessions booked with a coaching package or subscription are returned as session credit to your account. We do not issue separate store credit or wallet balances. Eligibility depends on your cancellation timing, as described below.

13.2 Cancellation Within 24 Hours

Cancellations within 24 hours of a scheduled session are non-refundable, as they protect your Coach's reserved time. This does not apply where your Coach cancels the session; in that case your payment is returned to your original payment method, or as session credit for package and subscription bookings. Rights that cannot legally be excluded remain unaffected.

13.3 Cancellations Over 24 Hours in Advance

Cancellations made more than 24 hours before your session are eligible for a full refund. Your payment is returned the same way you made it: card purchases are refunded to your original payment method, while sessions booked with a package or subscription are returned as session credit to your account. Card refunds typically take 5-10 business days to appear, depending on your bank.

13.4 Disputes and Quality Issues

Coaching is inherently subjective; therefore, disputes regarding session quality, personality fit, or failure to achieve specific outcomes do not automatically qualify for refunds. Any disputes about delivered services must be resolved directly between you and your Coach. We encourage open communication to address concerns before escalating to a formal dispute.

13.5 No-Shows

No-shows (sessions you missed without cancellation) are non-refundable and will be deducted from your package balance or credited as zero value. Please review your Coach's individual no-show policy for additional details.

13.6 Card Refund Processing

Card refunds are processed to your original payment method. Please allow 5-10 business days for the refund to appear in your account, depending on your bank. Your bank may impose additional processing delays.

13.7 Chargeback Policy

We investigate all payment disputes (chargebacks) reported to us. Multiple chargebacks may result in account review, suspension, or termination. We strongly recommend contacting us directly before filing a chargeback, as we are often able to resolve issues quickly.

13. Dispute Resolution (Mandatory Arbitration)

Binding Arbitration: You agree that any dispute arising from these Terms will be resolved through binding, individual arbitration rather than in a court of law.
Class Action Waiver: You waive the right to participate in class-action lawsuits or class-wide arbitration.
Governing Law: These Terms are governed by the laws of the State of California, without regard to conflict of law principles.
30-Day Opt-Out Right: You have the right to opt out of the provisions of this Arbitration Agreement by emailing legal@coachfinder.ai within 30 days of first accepting these Terms. Your opt-out notice must include your name, address, and the email address used to set up your CoachFinder.ai account. Unsuccessful opt-outs will legally bind you to arbitrate disputes.

14. Modifications to Terms

We reserve the right to update or modify these Terms at any time. We will provide notice of material changes by updating the "Last Updated" date at the top of these Terms. Your continued use of the platform following the posting of updated Terms constitutes your acceptance of the new terms.

15. General Provisions

Severability: If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions of these Terms will remain in full force and effect.
Entire Agreement: These Terms, along with our Privacy Policy, constitute the entire and exclusive understanding and agreement between Horizon Search, Inc. and you regarding the Services, superseding any prior agreements or communications.
Waiver: The failure of CoachFinder.ai to enforce any right or provision of these Terms will not be deemed a waiver of such right or provision.

16. Termination

We reserve the right to suspend or terminate your account at any time, with or without notice, if we believe you have violated these Terms or engaged in conduct that harms the platform or other users.

17. Contact Us

For questions about these Terms, please contact us at: