Terms & Conditions

1. Services

Goalpost Finance provides personal financial coaching services on a virtual basis. Services include budget planning, debt payoff strategy, bi-weekly coaching calls, and unlimited text/email support between sessions. All services are delivered by Sam Krupit, founder of Goalpost Finance. Unlimited text and email support is provided during normal business hours. Responses will be delivered within one business day.

The client portal helps clients and their coach organize budgets, spending, debts, goals and session records. Optional bank connections may reduce manual entry; clients can continue using statements and manual records. A portal estimate or category suggestion remains subject to review with the client.

2. Not Financial Advice

Financial coaching is educational and motivational in nature. Sam Krupit is not a licensed financial advisor, investment advisor, tax professional, or attorney. Nothing provided through Goalpost Finance constitutes investment advice, tax advice, or legal advice. Clients are encouraged to consult licensed professionals for those needs.

Free tools and calculators. Goalpost Finance offers free educational tools on this website, including calculators and the “Before You Borrow” decision-support tool. These tools provide educational estimates based on the information you enter, stated assumptions, and standard financial formulas. They are illustrations, not guarantees, quotes, offers of credit, lending decisions, credit approvals, or individualized financial advice. Actual rates, terms, program availability, and outcomes are determined solely by the financial institutions involved — only a lender or creditor can tell you what you qualify for. Goalpost Finance does not sell financial products and receives no commissions or referral fees related to any option a tool describes. You are solely responsible for any financial decision you make, and you should verify all figures against your actual statements and offer documents before acting.

3. Payment

All plans are billed monthly via Stripe. By enrolling, client authorizes automatic monthly charges to their payment method until the coaching relationship ends or the plan is canceled. Payments are due on the same date each month. Failed payments may result in suspension of services until payment is resolved.

4. Cancellation

Any ongoing coaching plan may be canceled at any time by emailing sam@goalpostfinance.com. No advance notice or early termination fee is required. Future scheduled payments will be canceled when the request is received. No refunds are provided for partial months already billed, except as described in the refund policy below.

Disconnecting a bank account does not cancel coaching or its payment plan. Cancel coaching using the process above. When coaching ends, we stop the ongoing bank-data collection used for that coaching relationship and handle retained records under the Privacy Policy and section 13.

5. Refund Policy

A payment may be canceled for a full refund within 24 hours after it is successfully processed, provided the first paid coaching session has not begun. Once that 24-hour period expires, or once the first paid coaching session begins, whichever occurs first, the payment is nonrefundable.

Goalpost Finance may choose, in its sole discretion, to issue a refund outside this policy in exceptional circumstances. A discretionary refund does not waive this policy or create an obligation to provide a similar refund in the future. This policy does not limit any refund rights required by applicable law.

6. Rescheduling & Missed Sessions

Sessions may be rescheduled with at least 24 hours notice. Sessions missed without 24 hours notice are forfeited and cannot be made up. Sam will make reasonable efforts to accommodate rescheduling requests.

7. Confidentiality

Goalpost Finance treats client financial information as confidential. We use and share it to provide the services you request, with providers identified in our Privacy Policy, with people you authorize for a shared household record, and where needed for the legal and incident-response purposes explained there. We do not sell client financial information or share it for financial-product marketing. We obtain any additional permission required before using it for a new purpose.

8. Session Availability

Sessions are provided during active, paid billing periods. Unused sessions do not roll over, transfer, or carry monetary value after a plan is canceled or the coaching relationship ends.

9. Limitation of Liability

Goalpost Finance and Sam Krupit are not responsible for financial outcomes resulting from coaching. Clients are solely responsible for their financial decisions. Goalpost Finance's total liability is limited to the amount paid in the most recent billing period.

10. Governing Law

These terms are governed by the laws of the State of Florida. Any disputes shall be resolved in Polk County, Florida.

11. Entire Agreement and Severability

These Terms constitute the entire agreement between Client and Goalpost Finance regarding the coaching services described herein and supersede any prior conversations, representations, or agreements. If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

12. Indemnification

Client agrees to indemnify, defend, and hold harmless Goalpost Finance LLC and Sam Krupit from and against any and all claims, losses, damages, liabilities, and expenses (including reasonable attorney's fees) arising out of or relating to: (a) any financial decision made by Client during or after the coaching relationship, whether or not based on guidance provided by Goalpost Finance; (b) Client's use of or reliance on any content, strategy, recommendation, or information provided through Goalpost Finance; or (c) Client's breach of these Terms. Client acknowledges that all financial decisions are solely their own responsibility and that no specific financial outcome is guaranteed.

13. Client Financial Documents

Clients may voluntarily provide bank statements, credit reports, account summaries and other documents to support coaching. We use them for the coaching engagement and handle them through the portal and service providers described in our Privacy Policy. Clients should provide only documents they are authorized to share.

Upon termination of the coaching relationship for any reason, Client financial documents will be permanently deleted from Goalpost Finance systems within 30 days. Clients may request earlier deletion at any time by contacting sam@goalpostfinance.com. The Privacy Policy explains how to request deletion of other financial records, including information imported from an optional bank connection.

Goalpost Finance implements reasonable safeguards to protect client data. No method of electronic transmission or storage is entirely without risk. Keep your own copies of financial records you need.

14. Dispute Resolution and Arbitration

Before initiating formal proceedings, the party raising a dispute must provide written notice to the other party and allow 30 days to attempt informal resolution. If informal resolution is unsuccessful, any dispute, claim, or controversy arising out of or relating to these Terms or the services provided by Goalpost Finance shall be resolved exclusively by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, available at www.adr.org. Arbitration shall take place in Polk County, Florida, or virtually by mutual agreement.

CLASS ACTION WAIVER: Client and Goalpost Finance each waive any right to bring or participate in a class action lawsuit, class-wide arbitration, or any other representative proceeding. All disputes must be brought on an individual basis only. Either party may bring qualifying individual claims in small claims court in lieu of arbitration.

15. Agreement

By completing payment on this website, client acknowledges they have read, understood, and agree to these Terms & Conditions.

Optional bank connections require a separate choice in the portal. Before connecting, you can review the applicable bank-data notice, Privacy Policy and these terms. Declining that feature does not require you to stop using available manual coaching workflows.

16. Optional Bank Connections

Bank connections use Plaid and require your authorization. Connect only accounts you own or are authorized to share, and review the accounts and information selected in the connection flow. This feature is for clients aged 18 or older. People linked to your household portal record and your coach can see the imported information.

You can choose to share account balances and transaction history for spending review. Separately, you can authorize optional debt details from supported credit cards and loans, which may include balances, interest rates, minimum or scheduled payments, payment dates, statement or payoff balances, and overdue status. The connection flow explains the access being requested; a debt-only connection does not require transaction-history access.

Bank information stays separate from your saved debt plan until you or your coach reviews and applies selected changes. Connecting, refreshing or disconnecting an account does not automatically merge or delete manually entered debts. Manual records and statement uploads remain available, and promotional rates, dates and notes can be maintained with your coach. Review any possible duplicates before deciding which record to keep or remove from your plan.

This feature does not move money or make payments. We do not guarantee that every account, lender or financial institution is supported. Available history, categories, balances and debt details may be delayed, incomplete or revised, and missing details may need manual entry. Verify material decisions and promotional terms against your financial institution's records.

You can request disconnection in the portal or contact Goalpost Finance LLC. An unfinished disconnection remains visible until it is resolved. Information already imported remains available unless deleted under the Privacy Policy. Disconnection and deletion of records do not themselves cancel coaching.

Two-step verification is required before using Plaid and remains required for households retaining connected-bank information. Clients using only manual records can set up and use their portal without enabling it, unless they choose to enable it or join a household with connected-bank information. Additional products or uses beyond those described here will be explained before activation and will use any additional consent required.