Effective Date: June 4, 2025

Welcome to Coach Finder (“we,” “our,” or “us”). These Terms of Service (“Terms”) govern your access to and use of Coach Finder’s website, mobile applications, and any related services (collectively, the “Platform”). By creating an account, browsing, or using any portion of the Platform, you agree to be bound by these Terms. If you do not agree, you may not use the Platform.

1. Definitions

To ensure clarity throughout these Terms, the following defined terms apply:

• “Client” means any individual or entity that uses the Platform to search for, book, or engage with a Coach.

• “Coach” means any independent professional who offers coaching services (“Coaching Services”) through the Platform.

• “User Content” means any text, images, files, audio, or other materials that a User (Client or Coach) submits, uploads, or publishes on the Platform.

• “Platform Content” means all content, features, and functionality provided by Coach Finder (e.g., website design, interactive tools, branding, and any proprietary code).

• “Third-Party Services” means any products, features, or functionality provided by vendors that integrate with or link to the Platform (e.g., payment processors, scheduling integrations, or analytics tools).

2. Eligibility & Account Registration

1. Minimum Age & Capacity. Users must be at least 18 years old and able to enter into binding contracts. By registering, you confirm that you satisfy these requirements.

2. Account Registration. To access certain features (e.g., booking a session, leaving reviews), you must create a unique account. You agree to:

   • Provide accurate, complete, and up-to-date information (e.g., legal name, email address, billing details).

   • Promptly update your account information if any details change.

   • Maintain the confidentiality of your password and account credentials. You are fully responsible for all activities conducted under your account.

3. Suspension/Termination of Accounts. We reserve the right, in our sole discretion and without notice, to suspend or terminate any account that:

   • Violates these Terms (including prohibited conduct listed in Section 4).

   • Poses a security risk to the Platform or other Users.

   • Submits fraudulent, misleading, or infringing information.

   • Behaves in an abusive, harassing, or discriminatory manner toward other Users.

3. Platform Overview & Scope

1. Matchmaking Service. Coach Finder is an online marketplace that connects Clients with qualified Coaches who offer one-on-one or group coaching. We do not provide Coaching Services ourselves; rather, we facilitate introductions, profile listings, and scheduling.

2. Independent Contractors. All Coaches on the Platform operate as independent contractors. They are not employees, agents, or partners of Coach Finder. Coach Finder does not guarantee or endorse any Coach’s qualifications, background, or the results of any Coaching Services.

3. No Guarantees. While we attempt to verify basic identity and credentials (e.g., via email or third-party integrations), we do not conduct comprehensive background checks. Clients should exercise independent judgment in selecting a Coach and never share sensitive personal data outside secure channels.

4. Acceptable Use & User Conduct

To maintain a safe, professional, and UX-focused environment, all Users agree to:

1. Respect & Professionalism. Treat others (Clients, Coaches, and Platform staff) with respect. Refrain from harassment, hate speech, threats, stalking, or any form of abusive behavior.

2. Accuracy of Information. Provide truthful, non-misleading information in profiles, communications, and billing details. Misrepresenting credentials, experience, or identity is strictly prohibited.

3. Prohibited Conduct. Users may not:

   • Post content that is defamatory, obscene, fraudulent, or otherwise unlawful.

   • Impersonate another person or entity, or misrepresent your affiliation with Coach Finder.

   • Upload viruses, malware, or any harmful code.

   • Interfere with the security, integrity, or performance of the Platform (e.g., hacking, scraping, spam).

   • Solicit personal data from other Users outside of the Platform’s secure messaging system.

4. Review & Rating Integrity. Clients may leave reviews and ratings based solely on their own experience. Manipulating, fabricating, or coercing reviews is prohibited. Likewise, Coaches must not solicit false reviews or retaliate against Clients for negative feedback.

5. Reporting Violations. If you become aware of any misconduct, spam, or suspicious behavior, please report it immediately to [Insert Support Email].

Violations of this section may lead to account suspension, content removal, or legal action.

5. Coach Requirements & Vetting

1. Coach Eligibility. To register as a Coach, you must:

   • Be legally authorized to provide coaching services in your jurisdiction.

   • Possess any required licenses, certifications, or accreditations (where applicable).

   • Consent to background and identity verification processes that we may implement.

2. Profile Transparency. Coaches must maintain accurate profiles, including:

   • Valid headshot/profile photo.

   • Biographical information (e.g., coaching niche, years of experience).

   • Service rates, availability, and cancellation policy.

   • Any disclaimers (e.g., “I am not a licensed medical professional; my coaching does not replace therapy.”)

3. Insurance & Compliance. Coaches are responsible for obtaining and maintaining any necessary professional insurance (e.g., professional liability, errors & omissions). Coaches must comply with local laws, including data protection, advertising standards, and tax obligations.

4. Coach Conduct. Coaches agree to:

   • Deliver Coaching Services in a professional manner.

   • Not guarantee specific outcomes (e.g., “I guarantee you’ll double your revenue in 3 months”).

   • Respect Client privacy and confidentiality. Any personally identifiable Client data obtained outside the Platform (e.g., personal email or phone) must be handled per applicable privacy laws (e.g., CCPA, GDPR).

   • Adhere to ethical guidelines (e.g., no harassment, discrimination, or exploitation of Clients).

5. Termination of Coach Accounts. Coach Finder reserves the right to suspend or terminate any Coach’s account if:

   • Complaints or evidence of misconduct arise (e.g., sexual harassment, fraud).

   • Profile information is found to be materially false or misleading.

   • Coach fails to respond to inquiries or breaches payment/refund obligations.

6. Booking, Scheduling & Payment

1. Booking Process. Clients may browse Coach profiles and request sessions by selecting an available time slot. Bookings are confirmed once payment is authorized.

2. Payment Processor. All payments are processed through a secure third-party payment gateway (e.g., Stripe). By booking, you authorize Coach Finder and its payment processor to charge your chosen payment method. We never store raw credit/debit card data on our servers.

3. Pricing & Commissions.

   • Coach Rates. Coaches set their own rates. Coach Finder applies a platform commission of [X]% per transaction. The breakdown appears during checkout.

   • Taxes & Fees. All prices are in [USD]. Clients are responsible for any sales, VAT, GST, or other taxes applicable in their jurisdiction. Coaches are responsible for reporting and remitting their own income taxes based on payments received.

4. Refund & Cancellation Policy.

   • Client Cancellations. A Client may cancel or reschedule a session up to [Insert Timeframe: e.g., 48 hours] before the scheduled start time for a full refund. If canceled within [Insert Shorter Timeframe: e.g., 24 hours], a partial refund ([Insert %]) may apply, or no refund if within [Insert Cutoff: e.g., 2 hours], unless extenuating circumstances exist.

   • Coach Cancellations. If a Coach cancels a confirmed session less than [Insert Timeframe] before the session, Coach Finder may automatically issue a full refund to the Client. Repeat late cancellations by a Coach may result in penalties, suspension, or account termination.

   • Force Majeure. In the event of natural disasters, pandemics, or other unforeseen circumstances beyond reasonable control, Coach Finder reserves the right to modify or waive refund policies at its discretion.

5. Chargebacks & Disputes. If a Client initiates a chargeback through their bank or card issuer without first contacting us, we reserve the right to collect the disputed amount by any means (including legal action). Repeated chargebacks may lead to account suspension.

7. Intellectual Property

1. Ownership.

   • Coach Finder Content. All trademarks, logos, text, graphics, video, audio, design, and software on the Platform (collectively, “Platform Content”) are owned or licensed by Coach Finder. These Terms do not grant you any rights to reproduce, distribute, or create derivative works from Platform Content, except as expressly permitted for normal Platform usage (e.g., viewing Coaches’ profiles, booking sessions).

   • User Content. Clients and Coaches retain ownership of any User Content they submit. By posting User Content on the Platform, you grant Coach Finder a perpetual, worldwide, royalty-free, non-exclusive license to use, reproduce, modify, distribute, and display that content solely to operate and improve the Platform.

2. DMCA & Infringement Claims. If you believe your copyrighted material is being used in an infringing manner, please send a notice to our designated Copyright Agent at [Insert DMCA Agent Email]. The notice must include:

   • A physical or electronic signature of the rights owner or authorized agent.

   • Identification of the copyrighted work claimed to be infringed.

   • Identification of the infringing material and its location on the Platform.

   • Contact information (phone number and email).

   • A statement, under penalty of perjury, that you have a good-faith belief that the disputed use is not authorized.

   • A statement, under penalty of perjury, that the information in your notice is accurate.

3. Feedback & Suggestions. If you provide ideas, suggestions, or feedback (“Feedback”) regarding the Platform, you agree that Coach Finder may use that Feedback without any obligation to compensate you. Feedback is non-confidential and becomes Coach Finder’s property upon submission.

8. Privacy & Data Security

1. Privacy Policy. Our Privacy Policy (linked here: [Insert Privacy Policy Link]) explains how we collect, use, store, and share personal data. By using the Platform, you consent to those practices.

2. Data Security Measures. We employ industry-standard security measures (e.g., encryption in transit, secure payment processing, access controls). However, no digital system is 100% secure. You acknowledge that you access the Platform at your own risk.

3. Data Retention. We retain user data for as long as needed to provide services, comply with legal obligations, resolve disputes, or enforce agreements. If you wish to delete your account, you may submit a request to [Insert Data Deletion Email], but residual data may remain in backups or logs for a reasonable time.

9. Third-Party Integrations & Links

1. Third-Party Services. The Platform may integrate with scheduling tools, video-conferencing software (e.g., Zoom, Google Meet), analytics, or other third-party services. Your use of those services is subject to the respective third-party terms and privacy policies.

2. Third-Party Links. From time to time, we may provide links to external websites or resources. We do not control or endorse third-party content. If you choose to access those links, you do so at your own risk. Coach Finder is not responsible for any damage or loss resulting from your use of third-party sites.

10. User Content & Reviews

1. Responsibility for User Content. You are solely responsible for any User Content you post. You represent and warrant that you either own or have all necessary licenses, rights, consents, and permissions to publish that content.

2. Content Moderation. Coach Finder may, but is not obligated to, monitor, review, or remove any User Content that violates these Terms or is otherwise objectionable. We reserve the right to remove or disable access to any content at our discretion.

3. Reviews & Testimonials. Clients may leave written reviews, star ratings, or testimonials after a session. Coaches may repost or respond to reviews. However, neither party may edit or delete another party’s review. Any dispute regarding the authenticity of a review may be mediated by Coach Finder.

11. Warranties, Disclaimers & Waivers

1. No Guarantee of Results. Coach Finder does not guarantee that Clients will achieve specific personal, professional, or financial outcomes from Coaching Services. All results depend on individual effort and external factors.

2. As-Is & As-Available. The Platform, including all content, is provided “as is” and “as available.” To the maximum extent permitted by law, we disclaim all warranties—express, implied, statutory, or otherwise—including warranties of merchantability, fitness for a particular purpose, non-infringement, or uninterrupted service.

3. No Professional Advice. Coaching Services do not substitute for legal, medical, financial, or mental health advice. Clients should seek qualified professionals for such advice. Coaches offering specialized advice (e.g., financial coaching) should clearly state that they are not licensed professionals if that is the case.

12. Limitation of Liability

1. Exclusion of Damages. To the fullest extent permitted by law, Coach Finder and its affiliates, officers, employees, agents, or licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to lost profits, data loss, or business interruption arising out of or related to:

   • Your access to or use of (or inability to use) the Platform.

   • Any unauthorized access to or alteration of your transmissions or data.

   • Statements or conduct of any third party on the Platform.

   • Any interactions or disputes between Clients and Coaches.

2. Cap on Direct Liability. In no event shall Coach Finder’s aggregate liability for direct damages exceed the total amount of fees actually paid to Coach Finder by the Client or Coach in the 12 months preceding the event giving rise to the claim (or USD $100, whichever is greater).

3. Exceptions. Some jurisdictions do not allow exclusion of certain warranties or limitations of liability, so some of the above exclusions may not apply to you. In such cases, Coach Finder’s liability will be limited to the greatest extent permitted by law.

13. Indemnification

You agree to indemnify, defend, and hold harmless Coach Finder, its officers, directors, employees, agents, and affiliates from and against any claims, demands, liabilities, losses, damages, fines, or expenses (including reasonable attorneys’ fees) arising out of or relating to:

• Your violation of these Terms.

• Your breach of any law, regulation, or third-party right (including intellectual property rights).

• Your User Content (e.g., data you submit, share, or display).

• Your interactions with any other User or third party.

• Any payment disputes, refunds, or chargebacks you trigger.

14. Dispute Resolution & Governing Law

1. Governing Law. These Terms and any dispute arising out of or related to them or the Platform shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of laws principles.

2. Informal Negotiation. Before pursuing legal remedies, the parties agree to attempt to work out any dispute through good-faith negotiation. Either party may provide a written Notice of Dispute to the other party, describing the nature and basis of the dispute and the desired resolution. If unresolved within 30 days of Notice, either party may proceed to formal dispute resolution.

3. Arbitration. Except for small claims matters you elect to bring in the appropriate court, any dispute, claim, or controversy arising out of or relating to these Terms or the Platform (collectively, a “Claim”) shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. The arbitration shall take place in [City], Delaware. Judgment on the arbitration award may be entered in any court having jurisdiction.

   • Class Action Waiver. You and Coach Finder agree that any arbitration shall be on an individual basis only; no arbitration may be consolidated with another, and there is no right or authority for any dispute to be brought as a class or representative action.

4. Equitable Relief. Nothing in this section limits Coach Finder’s right to seek injunctive relief or enforcement of intellectual property rights in any court of competent jurisdiction.

15. Termination & Suspension

1. By Coach Finder. We may suspend or terminate your access (including your account) immediately, without notice or liability, if:

   • You breach any provision of these Terms.

   • We suspect fraudulent, illegal, or abusive activity.

   • We are required to do so by law or a valid legal process.

2. By You. You may deactivate your account at any time by following the instructions on your account settings page or emailing [Insert Support Email]. Even after deactivation, certain information (e.g., transaction history, messages) may remain on our servers, as required to comply with legal obligations or enforce agreements.

3. Effect of Termination. Upon termination:

   • You lose all rights to access the Platform (including your profile, messages, and history).

   • Your obligations under sections like Indemnification, Limitation of Liability, and Dispute Resolution survive.

16. Confidentiality & Non-Solicitation

1. Confidential Information. “Confidential Information” means any non-public information that a party discloses to the other in connection with these Terms (e.g., pricing, business plans, coaching materials). Both parties agree to maintain confidentiality and not disclose such information to third parties without prior written consent, unless required by law.

2. Non-Solicitation. Clients and Coaches agree not to circumvent the Platform by arranging payment or sessions directly with each other outside of Coach Finder. If a direct engagement occurs within [12] months of an introduction, a “finder’s fee” of [20]% of the transaction value is payable to Coach Finder. This provision survives termination for [12] months.

17. Taxes & Regulatory Compliance

1. Sales/Service Taxes. Clients are responsible for any sales, VAT, GST, or similar taxes imposed by their jurisdiction on the purchase of Coaching Services. Coaches retain responsibility for collecting and remitting any applicable taxes on the fees they receive.

2. Income Taxes. Coaches are solely responsible for reporting and paying income taxes on payments received through the Platform. Coach Finder will provide IRS Form 1099 or equivalent if required by law (for U.S.-based Coaches earning over the applicable threshold).

3. Export Control & Trade Sanctions. You represent and warrant that you are not located in a country subject to U.S. export embargoes (e.g., Cuba, Iran, North Korea, Syria, Crimea region) and are not on any U.S. or international sanctions list. You shall not use the Platform in violation of any U.S. federal, state, or local law, including export control regulations.

18. Insurance & Professional Liability

1. Recommended Insurance. While Coach Finder does not require Coaches to carry insurance, we strongly recommend that Coaches maintain professional liability (errors & omissions) coverage to protect against claims arising from Coaching Services.

2. No Coverage Provided. Coach Finder does not provide insurance coverage for Coaches or Clients. Any claim or dispute between Coaches and Clients regarding negligence, malpractice, or errors in coaching is strictly a matter between those parties.

19. Updates & Modifications

1. Right to Modify. Coach Finder may revise these Terms at any time. Whenever we revise the Terms, we will update the “Effective Date” at the top. Material changes (e.g., changes affecting dispute resolution or scope of liability) will be communicated via email or a prominent notice on the Platform at least 30 days before taking effect.

2. Your Continued Use. If you continue to use the Platform after the revised Terms become effective, you accept the new Terms. If you do not agree, you must cease all use of the Platform and request account termination.

20. Notices

1. To You (Users). Coach Finder may provide notices to you via email (to the address on file) or by posting notices on the Platform.

2. To Coach Finder. You may send notices to us at:
   Coach Finder, Inc.
   [Insert Mailing Address, Delaware]
   Email: [Insert Legal/Support Email]

3. Legal Process. Service of process (e.g., subpoenas) should be sent to our registered agent in Delaware:
   [Insert Registered Agent Name & Address]

21. General Provisions

1. Severability. If any provision of these Terms is found to be invalid, unenforceable, or illegal under applicable law, that provision will be severed, and the remaining provisions will remain in full force and effect.

2. Waiver. No failure or delay by Coach Finder in exercising any right under these Terms shall operate as a waiver of that right.

3. Entire Agreement. These Terms, together with any policies or guidelines referenced herein (e.g., Privacy Policy, Cancellation Policy), constitute the entire agreement between you and Coach Finder regarding the subject matter and supersede all prior or contemporaneous agreements, proposals, or communications.

4. Assignment. You may not assign or transfer your rights or obligations under these Terms without Coach Finder’s prior written consent. Coach Finder may assign or transfer these Terms to a successor in interest.

22. Additional Protections & Recommendations

1. Content Moderation Policy. Establish a clear procedure for responding to harassment or abuse complaints—e.g., a three-strike rule before permanent suspension.

2. Accessibility & UX Standards. Maintain WCAG 2.1 AA standards for accessibility; ensure that any user-facing forms (e.g., booking form) are optimized for clarity and minimal cognitive load.

3. Data Breach Response Plan. Document a process for notifying affected users within 72 hours of discovering a data breach, per GDPR and U.S. best practices.

4. Children’s Privacy. Prohibit use of the Platform by users under 18. If you ever offer junior coaching programs, implement parental consent mechanisms.

5. Insurance Disclosures. Recommend that Coaches inform Clients about any professional liability coverage they hold or disclose if they have none.

6. User Feedback Loop. Encourage Clients to report any technical issues or bugs via an in-App feedback widget; use this data to continuously improve the Platform’s user experience.