Terms of Service

Last Updated: February 1, 2025

1. Agreement to Terms

By accessing and using the services provided by ZK Coaching LLC ("we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). These Terms apply to all visitors, users, and clients who access our coaching services and payment plans.

2. Services Description

We provide professional coaching services ("Services") which include:

  • One-on-one coaching sessions

  • Group coaching programs

  • Digital resources and materials

  • Leadership development programs

  • Business strategy consulting

3. Payment Terms

3.1 Program Costs

Program costs will be discussed during consultation and provided in writing before service commencement.

3.2 Payment Plans

  • Multiple payment plan options are available through our financing partner, Affirm

  • Payment terms and schedules will be clearly outlined in your service agreement

  • All quoted prices are in USD

3.3 Financing Through Affirm

  • Financing is subject to credit check and approval by Affirm

  • Interest rates and payment terms are determined by Affirm based on credit qualification

  • All payment arrangements are managed directly through Affirm's platform

  • Additional terms and conditions from Affirm may apply

4. Cancellation and Refund Policy

4.1 Cancellation

  • Written notice required for cancellation

  • Cancellation terms are subject to Affirm's policies when financing is used

  • Early termination does not release you from payment obligations

  • All sales are final once services begin

4.2 Refund Policy

  • ZK Coaching LLC maintains a strict no-refund policy

  • All payments made are non-refundable

  • No refunds will be issued for any reason, including but not limited to:

    • Unused sessions

    • Dissatisfaction with services

    • Change in client circumstances

    • Early termination of services

5. Client Responsibilities

You agree to:

  • Attend scheduled sessions on time

  • Provide 24-hour notice for session cancellations

  • Make timely payments according to your selected payment plan

  • Actively participate in the coaching process

  • Communicate openly about concerns or issues

6. Limitations of Liability

Our services are advisory in nature. We do not guarantee specific results. We are not liable for:

  • Decisions made based on our coaching

  • Indirect, consequential, or incidental damages

  • Lost profits or business opportunities

  • Results that differ from expected outcomes

7. Confidentiality

We maintain strict confidentiality of all client information. However, we may:

  • Use non-identifying client success stories

  • Share information if required by law

  • Discuss cases anonymously for professional development

8. Intellectual Property

All materials, methodologies, and content provided during coaching sessions remain our intellectual property. You may not:

  • Share or distribute materials without permission

  • Record sessions without consent

  • Use our proprietary methods for commercial purposes

9. Communication

Primary communication methods:

  • Email: zhanna@zhannakonovalenko.com

  • Phone: (615) 656-0241

  • Business Hours: Monday-Friday, 9:00 AM - 5:00 PM CST
    Expected response time: Within 24-48 business hours

10. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to our website. Continued use of our services constitutes acceptance of modified Terms.

11. Governing Law

These Terms are governed by the laws of Tennessee, United States. Any disputes shall be resolved in the courts of Williamson County, Tennessee.

12. Contact Information

For questions about these Terms, contact:
ZK Coaching LLC
923 Oldham Dr, #752
Nolensville, TN 37135
Email: zhanna@zhannakonovalenko.com
Phone: (615) 656-0241