Policies — NewLifePH

💳 Payment Policy Active

All coaching services are billed monthly via Stripe. By completing your payment you agree to these terms and authorize recurring monthly charges until you cancel.

Prices are in USD. 1:1 Monthly Coaching: $400/month.
After your coaching engagement, a monthly maintenance plan is available at $99/month — one 30-minute 1:1 call per month to keep you on track.
Payments are processed securely through Stripe.
Your billing date is set on the date of your first payment.
You will receive a receipt via email for every charge.

Founding Client Rate: If you were offered a discounted founding client rate, that rate is locked in for as long as you remain an active subscriber without cancelling.

🔄 Refund & Credit Policy Important

NewLifePH does not offer cash refunds. Coaching is a service delivered through time, preparation, and expertise — once a session has occurred or a billing period has begun, that value has been delivered.

However, we understand that life happens. Service credits are available in the following circumstances:

A scheduled session was missed due to a documented emergency (medical, military, family crisis).
A session was cancelled by Sean with less than 24 hours notice.
A technical failure on our end prevented the session from taking place.
A natural disaster, deployment, or other verifiable force majeure event.

How credits work: Approved credits are applied to your next billing cycle and do not expire as long as your subscription remains active. Credits cannot be exchanged for cash.

Not eligible for credits: Change of mind, scheduling conflicts due to personal plans, or no-shows without prior notice will not be credited.

To request a credit, email us within 7 days of the missed session with a brief explanation. All requests are reviewed and responded to within 3 business days.

📅 Cancellation & Rescheduling Flexible

You may cancel your monthly subscription at any time. Cancellation takes effect at the end of your current billing period — you will not be charged again, and you retain access to sessions already paid for.

To cancel: Email us or message Sean directly at least 5 days before your next billing date.
To reschedule a session: Give at least 24 hours notice via your booking link or direct message.
Sessions rescheduled with less than 24 hours notice may be forfeited unless a legitimate reason is provided.
You may reschedule a session up to once per month without penalty.

📞 Session Policy Standard

All 1:1 coaching sessions are conducted via Zoom. Sessions are 60 minutes in length and are scheduled weekly based on mutual availability.

Please join calls on time. Sessions that start late due to client tardiness will end at the originally scheduled time.
Sessions are not recorded by default. If you wish to record for personal use, you must notify Sean at the start of the call.
All session content and personal financial information shared is kept strictly confidential.
Sean is a life and retirement planning coach — not a licensed financial advisor, attorney, or tax professional. All guidance is for coaching and planning purposes only.

Disclaimer: NewLifePH coaching does not constitute licensed financial, legal, or investment advice. Always consult a qualified professional for decisions involving taxes, investments, or legal matters.

🤝 Code of Conduct Mutual

NewLifePH is built on mutual respect. Both Sean and clients agree to show up prepared, communicate honestly, and treat each other with professionalism.

Sean reserves the right to terminate a coaching relationship — with a prorated credit for unused sessions — if a client is repeatedly abusive, disrespectful, or acts in bad faith.
Clients are expected to complete agreed-upon action items between sessions. Coaching only works if you work.

✉️ Questions & Contact

If you have any questions about these policies, a billing issue, or a credit request, reach out directly:

Email:sean@newlifeph.com
Response time: Within 2-7 business days