Terms of Service

You must be at least 18 years old, able to enter a binding contract, and located in the United States to purchase our services. By completing checkout, booking a session or using our services, you agree to these Terms and to our Privacy Policy. If you do not agree, please do not use the website or the services.

• Get Clear: a 90-day, one-on-one financial coaching program: budgeting, cash flow and bill planning, debt payoff schedules, savings plans and a written plan.
• Stay on Track: monthly coaching after Get Clear: a monthly review and live call, with your plan kept current.
• Build & Grow: growth advisory for business owners under a signed Growth Advisory Agreement: a business diagnostic and roadmap, core business systems built with training, monthly reviews and scorecards, and quarterly strategy reviews.

Our services are educational and organizational. Decisions about your money and your business remain yours.

Augustin Insights is not a registered investment adviser, broker-dealer, bank, certified public accountant, tax preparer, attorney, credit repair organization, credit counseling agency, or debt management, debt settlement or debt relief provider. We do not:

• recommend, buy or sell securities, or manage assets;
• hold, receive, transfer or move your money;
• contact, negotiate with or make payments to creditors on your behalf;
• repair or change credit reports or credit scores;
• keep your books, prepare tax returns, or give tax, legal or investment advice;
• act as your fiduciary.

When you need one of these services, we will point you to a licensed professional.

• Get Clear: $897 for 90 days, due in full at enrollment. You may pay through an installment provider offered at checkout; the provider pays us in full, and you repay the provider on its terms.
• Stay on Track: $150 per month, month to month, available after Get Clear.
• Build & Grow: under a signed Growth Advisory Agreement, a Foundation & Build fee of $150 per month for the first 12 months ($70 every two weeks or $35 a week are also available), which includes the 90-day Foundation Course; a monthly Performance Fee on Net Revenue, meaning money collected less refunds, chargebacks and sales tax, at 30% falling by level to 15% at $60,000 a month; and a one-time bonus of $1,500 to $5,000 at each level, paid over three months. No Net Revenue, no Performance Fee. If that agreement differs from these Terms, the agreement controls.
• Monarch: a subscription you hold and pay to Monarch directly, about $100 a year. It is not included in our fees.

We may change our fees with 30 days’ written notice, effective at your next billing period. You are responsible for any taxes that apply.

Stay on Track renews automatically each month until you cancel. Build & Grow is billed monthly for the term of its agreement.

By completing checkout, you authorize Augustin Insights, through Stripe, to charge your card or bank account the amount shown at checkout on each billing date until you cancel. Get Clear is a single payment; if you choose an installment provider at checkout, your installments are owed to that provider under its terms. Build & Grow invoices are issued by the 10th of each month and are due by the 20th.

You may cancel Stay on Track at any time online, through the Manage or Cancel My Plan link at the bottom of every page, or by emailing support@augustininsights.net before your next billing date; the pre-written cancel email does it in one step. We confirm every cancellation by email. Cancellation stops all future charges. It does not refund a billing period that has already begun. If a payment fails, we will tell you, and we may pause reviews until it is resolved.

Get Clear is not refundable once you enroll, whichever way you pay. Stay on Track and Build & Grow fees are not refundable once a billing period has begun. If we end an engagement, we refund any unused prepaid period, including the unused portion of Get Clear.

Sessions are held online, by video or phone. Please give 24 hours’ notice to reschedule, and we will find a new time within the same pay period when we can. A session missed without notice counts as held.

Our work is only as accurate as the information you provide. You agree to connect and maintain your accounts in Monarch, to reconnect accounts promptly when a connection drops, to provide the documents we request, and to tell us about changes in your income, debts or circumstances. Build & Grow clients also agree to provide current business records on the schedule set in their agreement. Keep your own account credentials secure, and never send us passwords, full account numbers or Social Security numbers.

You agree that we may provide agreements, notices, receipts and other communications electronically, by email or on this website, and that electronic communications satisfy any requirement that they be in writing.

If you text us or ask us to text you, you agree to receive text messages about your inquiry, appointments and services. Message frequency varies. Message and data rates may apply. Reply STOP to opt out or HELP for help. Agreeing to receive texts is not a condition of any purchase.

We will prepare carefully and tell you the truth about your numbers. We do not guarantee any particular financial outcome, debt-free date, credit score, savings balance or business result. Results depend on your decisions, your circumstances and factors outside anyone’s control. Projections and calculators on this website are illustrations, not forecasts.

We treat everything you share as confidential and handle it as described in our Privacy Policy. We may disclose information when the law requires it or to protect someone’s safety. We never sell your information.

Financial Reports, Client Pages (including Dollar by Dollar pages, bill calendars, debt schedules and checklists), plan workbooks, decision views and progress reports prepared for you are yours to keep. Our templates, methods, the Augustin Insights Method, and the text, design and logos on this website belong to Augustin Insights and may not be copied, resold or redistributed without permission.

You agree not to misuse the website, including by trying to gain unauthorized access, disrupting its operation, copying it in bulk or using it for anything unlawful. Content on the website is general information, not advice for your situation, and may change without notice. Links to services such as Stripe, Calendly and Monarch are provided for convenience; those services are governed by their own terms.

If you have trouble using any part of this website, contact us and we will provide the information another way.

Except as expressly stated in these Terms, our services and website are provided “as is” and “as available.” To the fullest extent permitted by law, Augustin Insights disclaims all other warranties, express or implied, including implied warranties of merchantability, fitness for a particular purpose and non-infringement, and does not warrant that the website will be uninterrupted or error-free.

What we do promise: to perform our services with reasonable care and skill, to prepare carefully, and to tell you the truth about your numbers.

To the fullest extent permitted by law, Augustin Insights’ total liability for any claim arising from or relating to our services or website is limited to the fees you paid us in the twelve months before the claim arose. Augustin Insights is not liable for indirect, incidental, special, consequential or punitive damages, for lost profits, or for the acts or omissions of third-party services such as Monarch, Stripe, Calendly or your financial institutions.

Some states do not allow certain limitations, so some of these limits may not apply to you. Nothing in these Terms limits liability that cannot be limited by law, including liability for fraud or willful misconduct.

To the extent the law allows, you agree to reimburse Augustin Insights for losses and reasonable costs, including attorneys’ fees, arising from a third-party claim caused by your violation of these Terms or of the law.

You may end Stay on Track at any time by canceling as described in section 05. Get Clear is prepaid and not refundable once you enroll, and Build & Grow ends only as its Growth Advisory Agreement provides. We may end it with 14 days’ written notice, or immediately for nonpayment, abusive conduct, or a legal or ethical conflict, and we will refund any unused prepaid period. Sections covering fees already owed, confidentiality, your materials, disclaimers, limits of liability and disputes continue after an engagement ends.

These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-law rules. If a disagreement arises, both sides agree to raise it in writing and try to resolve it in good faith for 30 days before taking any other step. Any proceeding will be brought in the state or federal courts located in Miami-Dade County, Florida, except that either side may bring an eligible claim in small claims court.

We may update these Terms. We will post the new version on this page with a new effective date and notify current clients by email at least 30 days before a material change takes effect. Changes apply from your first billing period after that notice.

These Terms, together with your signed Client Agreement and any signed Growth Advisory Agreement, are the entire agreement between you and Augustin Insights about our services. If any part is found unenforceable, the rest remains in effect. Not enforcing a provision is not a waiver of it. You may not assign these Terms without our written consent; we may assign them as part of a sale or reorganization of our business. Neither side is responsible for delays caused by events beyond its reasonable control. Notices to us go to support@augustininsights.net; notices to you go to the email address on your account.