The agreement between us

Last updated: 3 August 2026

1. Who these terms are between

These terms are between Restoration Enterprises Limited (“we”, “us”, “the coach”), registered in England and Wales under company number 17273847, registered office 13 Bristowe Drive, Orsett, Grays, RM16 3DB, United Kingdom, and you: the person receiving coaching, or the organisation commissioning it.

They apply from the point you book a session or accept a proposal. Section 12 sets out the additional terms that apply when an employer commissions coaching for its staff.

2. What the service is

We provide financial wellbeing coaching and career growth coaching, delivered one to one or in groups, online or in person. Coaching is a structured conversation. We help you get an honest picture of where you are, work out what matters most to you, build a plan in your own words, and stay with it while it beds in. We also provide general financial education and workshops.

The shape of it, unless your proposal says otherwise:

• A free discovery call of 30 minutes before anything is agreed or paid for.
• A first session of 90 minutes, which is where the full picture gets mapped, followed by a written plan within three working days.
• Subsequent sessions of 60 minutes, fortnightly at first, monthly once things settle.
• Questions between sessions are answered by email within two working days. Between-session support is email support; it is not open-ended coaching by message.
• Programmes run to a set number of sessions: Reset is a single session, Rebuild is 6 sessions across about 3 months, and Restore is 12 sessions across about 6 months.

3. What the service is not

Coaching supports your decisions; it does not make them. Specifically, we do not and will not:

• recommend, arrange, sell or administer any pension, investment, insurance, mortgage, loan or debt solution;
• tell you whether to transfer, switch, consolidate, cash in or take out anything;
• manage money or act on your behalf with any third party.

We have no financial product to sell. We are also not accountants, solicitors, insolvency practitioners or therapists, and coaching is not a substitute for medical or mental health treatment.

Free, impartial help is available from the organisations listed on our important information page, which forms part of these terms. Our complaints route is on the same page.

4. Booking, rescheduling and cancellation

Sessions are booked by agreement between us, at a time and format confirmed in writing.

• Rescheduling. You may move a session by giving more than 48 hours’ notice, at no charge and as often as you genuinely need to.
• Late cancellation and non-attendance. Inside 48 hours, or if you do not attend, the session is treated as used: it counts against your programme, or is charged if it was booked on its own. The time was held for you and cannot be given to anyone else at that notice.
• If we cancel. If we have to move or cancel a session, we will offer you the earliest reasonable alternative or a refund of anything paid for it.
• Lateness. If you arrive late the session still ends at the scheduled time, so that the next client is not kept waiting.

Genuine emergencies are treated sensibly, not charged. Illness, a bereavement, a child sent home from school, a shift you could not refuse: tell us and we will move the session, no questions and no fee. The notice period exists to stop a diary emptying itself, not to catch people out on the worst week of their year. We would rather be reasonable than rigid, and if you are ever unsure whether something counts, ask.

5. Fees and payment

• How fees are set. We quote per programme, in writing, after the free discovery call. That happens once we know what the work actually is. There is no price list on this site because there is no standard job. A quote is fixed for the programme it covers and stands for 30 days from the day we issue it.
• VAT. Restoration Enterprises Limited is not registered for VAT, so there is no VAT to add: the figure you are quoted is the figure you pay. Registration becomes compulsory once turnover passes the HMRC threshold. If that happens, we will tell you before it affects a quote or an invoice of yours.
• When payment is due. Before the programme starts, or by monthly instalments agreed in advance and in writing. For employer engagements, payment terms are set out in the proposal.
• Instalments and unused sessions. Instalments run for the agreed term whether or not every session has been taken by then. Sessions belong to the programme period: about 3 months for Rebuild, 6 for Restore. We would far rather extend that window than see a session go to waste, so if life interrupts the programme, say so and we will agree new dates.
• Late payment. If an invoice is overdue we will remind you before anything else happens, and we may hold further sessions until it is settled. If money has become the problem, tell us. That is the one thing we are least likely to be shocked by, and an instalment plan is usually possible. For business clients, statutory interest under the Late Payment of Commercial Debts (Interest) Act 1998 may be charged on an overdue invoice.
• Expenses. Travel or venue costs for in-person delivery are agreed in advance and charged at cost.

6. Your right to cancel (consumers)

If you are an individual buying coaching away from our premises or online, you normally have 14 days from entering the agreement to cancel and receive a refund, under the Consumer Contracts Regulations 2013. If you ask us to start delivering within that period, you may be charged for what has been delivered up to the point you cancel.

To cancel, tell us in writing: an email to sunday.restorationenterprises@gmail.com saying you have changed your mind is enough. There is no form to complete and no reason to give. We will refund anything due within 14 days of being told.

7. What we ask of you

• Give us accurate information. Coaching built on numbers that are not real does not help you.
• Turn up, and do the things you agreed to do between sessions. Most of the progress happens there, not in the room.
• Tell us if your circumstances change materially, or if the coaching is not working for you.
• Take your own decisions. Every financial and career decision you make, and every consequence of it, remains yours. We can help you think it through; we cannot and do not make it for you, and we are not responsible for the outcome.
• Get regulated advice, or specialist help, where the decision calls for it. If we think it does, we will say so.
• Treat us, and anyone else in a group session, with basic courtesy.

8. Confidentiality, and its limits

What you say in a session stays between us. We do not discuss you with your employer, your family or anyone else, and we do not use your story as an example without your written permission.

There are three exceptions:

1. Risk to life or serious harm. If we reasonably believe you or someone else is at serious risk, we may pass information to an appropriate person or service. Wherever it is safe to do so, we will tell you first.
2. Safeguarding. Where a child or an adult at risk may be being harmed, we will follow safeguarding procedures and report as required. Clement Sunday Jegede is the safeguarding contact for this practice and can be reached at sunday.restorationenterprises@gmail.com. Where we deliver on an employer’s site, we also work to that organisation’s safeguarding policy and will raise a concern with its named safeguarding lead as well.
3. Legal obligation. Where the law requires disclosure: a court order, or an obligation under money laundering or proceeds of crime legislation, under which we may be prohibited from telling you a report has been made.

We may also discuss anonymised aspects of our work in professional supervision, which is standard practice in coaching and is itself confidential.

How we handle personal data is set out in our privacy notice.

9. Intellectual property

Worksheets, templates, slide decks, frameworks and other materials we give you remain our property. You may use and copy them for your own personal use. For an employer engagement, you may also use and copy them within your organisation for the participants covered by the programme.

You may not resell them, publish them, or use them to deliver coaching or training to anyone else without our written permission. Sessions and workshops may not be recorded, streamed or transcribed without our agreement in advance. Anything you create in your own work is yours: your budget, your plan, your notes.

10. Liability

Nothing in these terms limits or excludes our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for anything else that cannot lawfully be limited or excluded. If you are a consumer, your statutory rights (including the right under the Consumer Rights Act 2015 to services carried out with reasonable care and skill) are not affected by anything here.

Subject to that:

• Coaching supports your decisions; it does not guarantee a financial, employment or any other outcome. We make no promise about results.
• We are not liable for a decision you take, or decline to take, as a result of coaching, or for the consequences of information you gave us that was inaccurate or incomplete.
• We are not liable for the acts, omissions or products of any third party, including any firm, lender or organisation you engage, whether or not we mentioned it.
• We are not liable for loss of profit, loss of business, loss of opportunity or any indirect or consequential loss.
• Our total liability arising out of an engagement is limited to the total fees paid or payable by you for that engagement.

11. Ending the engagement

Either of us may end the engagement by giving 14 days’ written notice. You do not have to give a reason, and we will not ask you to justify it.

• Sessions already delivered are payable. Sessions paid for and not yet delivered are refunded, subject to the cancellation terms in section 4.
• We may end the engagement immediately if the relationship becomes abusive or unsafe, if fees remain unpaid after a reminder, or if we conclude that coaching is not the right form of help for what you are dealing with. In that last case we will tell you honestly and point you towards something more suitable.
• Sections on confidentiality, intellectual property, liability and governing law survive the end of the engagement.

12. Employer-commissioned engagements

Where an organisation commissions coaching or workshops for its people, the following also applies.

• The organisation is responsible for fees, for providing a suitable private space where delivery is on site, and for communicating the programme to staff accurately. That includes making clear that participation is voluntary.
• Individual session content is never disclosed to the employer. Reporting is anonymised and aggregated: sessions delivered, take-up, and broad themes. Where a cohort is too small for that to be genuinely anonymous, we suppress the figures.
• Participants are our coaching clients for the purposes of confidentiality and sections 7 and 8, even though the employer pays the invoice.
• Scope, dates, numbers and deliverables are set out in a written proposal, which takes precedence over these terms where the two conflict.
• Employer engagements are set up on a written proposal that incorporates these terms. Where an organisation requires its own services agreement, or data processing terms covering the participant details it passes to us, we will sign a reasonable set alongside these terms. Allow four to six weeks between a signed agreement and first delivery, for scoping, contracting and telling staff what is coming.
• Booked workshop dates.A date may be moved at no charge with more than four weeks’ notice. Inside four weeks the day is treated as delivered, because at that point the time has been held and the preparation done. If we can fill the slot, though, nothing is charged.

13. General

• Changes. We may update these terms. The version that applies to your engagement is the one in force when you booked, unless we agree otherwise in writing.
• Whole agreement. These terms, together with your proposal or booking confirmation, our important information page and our privacy notice, form the agreement between us.
• Severability. If any part of these terms is found to be unenforceable, the rest continues to apply.
• Third parties. No one other than you and us has any right to enforce these terms.
• Events outside our control. Neither of us is liable for a failure to perform caused by something genuinely beyond our reasonable control; we will reschedule rather than charge.

14. Complaints

If something goes wrong, please tell us. The process and contact details are on our important information page. You can reach us at sunday.restorationenterprises@gmail.com or +44 7464 939852.

15. Governing law

These terms and any dispute arising out of them are governed by the law of England and Wales, and the courts of England and Wales have exclusive jurisdiction. If you live in Scotland or Northern Ireland, you may bring proceedings in your local courts.