Terms of Service

Paxway Coaching · Effective November 6, 2026

These Terms of Service ("Terms") apply when you use our pages, book a call or session, or work with Paxway Coaching (formerly Money Savvy Coaching), a financial coaching business owned and operated by Adam Freund ("we," "us," or "our"). By booking or paying for a service, you agree to these Terms.

1. What coaching is, and what it isn't

We provide educational financial coaching on budgeting, paying off debt, saving, and building healthy money habits. We are not licensed financial advisors, investment advisors, accountants, attorneys, or credit counselors. Coaching is not investment, tax, legal, or accounting advice. We do not sell financial products, manage money, negotiate with creditors, or provide debt settlement or credit repair. For advice specific to those areas, please consult a licensed professional.

2. Your responsibilities and results

You make all of your own financial decisions and are responsible for them. Your results depend on your situation and your follow-through, so we cannot guarantee any specific outcome, such as becoming debt-free by a certain date. Please give us accurate, complete information, and never send account numbers, passwords, PINs, or Social Security numbers.

3. Free calls

Our free Game Plan Call is a short, no-cost conversation to see whether coaching is a good fit. There is no obligation to buy anything.

4. Discovery Session

The Discovery Session is a paid, 2-hour coaching session. Payment is due in full when you book.
Because your time is reserved just for you, Discovery Sessions are non-refundable and cannot be canceled or rescheduled, except in the rare case that we need to reschedule, in which case we will offer a new time or a full refund.
Prep work (a questionnaire and a financial worksheet) is due at least 48 hours before your session so we can prepare.
If you join the Personal Coaching membership within 7 days of your Discovery Session, you receive 20% off your first month.

5. Personal Coaching membership

The membership includes personal coaching sessions every two weeks and is billed monthly, in advance, to the payment method on file.
It is a 3-month commitment. Billing ends on its own after the third monthly payment unless you choose to continue.
Membership fees already paid are non-refundable.
Sessions are scheduled together as we go. Missed sessions without at least 24 hours' notice may be forfeited.

6. Grounds for Peace group membership

Grounds for Peace is a live, online small-group coaching membership that meets on the 1st and 3rd Saturdays of each month. It is billed monthly, in advance, until canceled.
It has a 2-month minimum. After that, you may cancel by emailing [email protected] at least 2 days before your next billing date. Cancellation takes effect at the end of the current paid month.
Fees already paid are non-refundable, including for sessions you don't attend.

7. Payments

Payments are processed securely by Stripe. By providing a payment method, you authorize us to charge it for the services you purchase. If a payment fails, services may be paused until it is resolved.

8. Confidentiality

We keep what you share with us in coaching confidential, except as described in our Privacy Policy, when you give permission, or when disclosure is required by law or needed to prevent harm. In Grounds for Peace, please respect the privacy of other members and don't share what they say outside the group.

9. Our materials

Worksheets, guides, templates, recordings, and other materials we provide are for your personal use. Please don't resell or redistribute them without our written permission.

10. Limitation of liability

To the fullest extent allowed by law, we are not liable for any indirect, incidental, or consequential damages, or for financial losses resulting from decisions you make. Our total liability for any claim related to our services is limited to the amount you paid us for those services in the 3 months before the claim.

11. Changes and governing law

We may update these Terms from time to time; the effective date at the top shows the latest version. These Terms are governed by the laws of the State of Illinois.

12. Contact us

Paxway Coaching · Adam Freund
521 Shonna Dr., Mount Zion, IL 62549
Email: [email protected] · Phone: (321) 355-2363