A DBA of Khair Capital LLC · Pennsylvania Limited Liability Company
This Client Services Agreement ("Agreement") is entered into between Khair Capital LLC, doing business as Financial Clarity Unlocked ("Coach" or "Company"), and the individual identified below ("Client"). This Agreement becomes legally binding and effective upon the earliest of: (a) Client's completion of payment for any Financial Clarity Unlocked service; (b) Client's booking of a session via any Financial Clarity Unlocked scheduling page; (c) Client's checking of an agreement acceptance checkbox on any Financial Clarity Unlocked website, landing page, or booking platform; or (d) Client's use of any Financial Clarity Unlocked service. No physical signature is required for this Agreement to be enforceable.
Financial Clarity Unlocked offers financial education and coaching services to individuals and business owners. This Agreement governs the specific service selected by Client at the time of purchase. Additional services offered by Financial Clarity Unlocked — including but not limited to group coaching cohorts, community memberships, digital courses, paid challenges, and premium coaching programs — are subject to separate agreements specific to those offerings.
Client has purchased one (1) Financial Clarity Session, which is a 60 to 90 minute one-on-one coaching session conducted via video conference. The Session is an AI-assisted financial education and coaching experience built entirely from information Client shares during the intake and session process. Nothing is generic. Every deliverable is specific to Client's situation.
Upon completion of the Session, Client will receive five (5) personalized deliverables delivered digitally within 24 hours of the completed session. Each deliverable is described in full in Section 2 of this Agreement.
The following are not included in the Financial Clarity Session unless separately purchased in writing:
All five deliverables below are generated specifically for Client using information provided during the session. Files are delivered digitally within 24 hours of session completion. Files are Client's to keep, share, and reference indefinitely. To update deliverables with new numbers at any time, Client may book a Progress Session separately.
A beautifully designed, non-editable visual dashboard presenting Client's complete financial picture at the time of the session. Includes full income breakdown, net worth summary, asset overview, complete debt stack with status indicators, and goal timeline from today through the 10-year vision. Designed to be shared, printed, or presented to a partner or spouse.
An interactive, fully editable living document that serves as Client's ongoing financial command center between sessions. Every figure is editable — update a balance and net worth recalculates instantly. Includes a built-in change tracker recording every update compared to original session values, and a Send to Coach button that compiles updated numbers for the next Progress Session.
A ranked, time-stamped action plan organized into four horizons: This Week, This Month, Next 90 Days, and Ongoing. Every action item includes what to do, why it matters, and the estimated dollar impact or time saved. Items are prioritized based on urgency, interest cost, and Client's stated goals — not generic financial advice. Client's personalized roadmap for the next 90 days and beyond.
A 10-slide visual presentation designed to be shared with a partner, spouse, or accountability partner. Covers what has already been built, current financial reality, most urgent pressure points, windfall deployment plan, committed travel and experiences, the 90-day action sprint, and the full long-term vision timeline. Built to facilitate a productive, aligned money conversation with the people who share Client's financial future.
A CPA-ready Word document organizing all relevant tax inputs from the session into clearly labeled, color-coded sections. Covers W-2 income, mortgage interest, student loan interest, investment gains and losses, retirement distributions with plain-English explanation of each distribution code, business profit and loss, rental property income and expenses with ownership split calculated, and a prioritized checklist of items to maximize return. Generated only for clients with sufficient tax data to organize — confirmed during intake. Designed to save 2 to 3 hours with an accountant and ensure nothing deductible is missed.
Financial Clarity Unlocked and Taj Khair are NOT licensed financial advisors, investment advisors, CPAs, securities brokers, attorneys, or regulated financial professionals of any kind. The Financial Clarity Session and all deliverables are educational and coaching in nature only. Nothing in this Agreement, in the Session, or in any deliverable constitutes financial advice, investment advice, tax advice, legal advice, or any form of professional regulated advice. Client should consult with licensed and qualified professionals — including a CPA, certified financial planner, or attorney — before making any financial, tax, legal, or investment decisions.
All information, tools, documents, and materials provided are for educational and organizational purposes only. The Tax Summary Document is an organizational tool for Client's use with their CPA — it is not a tax return, tax filing, or tax advice.
Coach makes no guarantees, representations, or warranties regarding financial outcomes, results, income levels, debt reduction, credit improvement, or any other financial metric resulting from participation in the Session or use of delivered materials. Individual results will vary.
Client acknowledges that deliverables are generated with the assistance of artificial intelligence tools based on information Client provides. Coach reviews all outputs for quality and accuracy. Client is responsible for verifying all figures against their own records and should not rely solely on AI-generated outputs for major financial decisions.
Client agrees to pay the investment amount specified at the time of booking prior to the Session. Payment is due in full at the time of booking. The Session will not be conducted until payment is received and confirmed.
Payment is accepted via Stripe (credit/debit card), Zelle, Venmo Business, or ACH bank transfer. Payment instructions are provided at the time of booking.
All amounts due must be paid in full before services are rendered unless a written payment plan has been expressly agreed to by Coach. Payment plans, if offered, will be documented in a separate written addendum to this Agreement.
Full refund issued. Client will receive 100% of the amount paid within five (5) business days via the original payment method.
No refund will be issued. As a one-time courtesy, Coach may offer to reschedule to a mutually agreeable date and time at Coach's sole discretion.
No refund will be issued once the Session has been completed. By attending the Session, Client acknowledges receipt of services rendered. Dissatisfaction with outputs does not constitute grounds for a refund.
If Coach cancels a scheduled Session, Client will receive a full refund or the option to reschedule at no additional cost.
If Client fails to appear for the scheduled Session without prior notice, the Session is considered completed and no refund will be issued.
Coach will hold all financial information, personal data, and confidential information shared by Client in strict confidence. Client information will not be disclosed to any third party without Client's prior written consent, except as required by law.
Coach will not use Client's name, image, financial data, story, or identifying information as a case study, testimonial, or in any marketing material without Client's express written consent. Anonymized, non-identifying information may be used for educational or marketing purposes.
Client agrees not to share, distribute, reproduce, resell, or sublicense any proprietary tools, templates, frameworks, or deliverables provided by Financial Clarity Unlocked without prior written consent from Khair Capital LLC.
All tools, templates, frameworks, methodologies, AI systems, and materials created by Financial Clarity Unlocked are the intellectual property of Khair Capital LLC. This includes the Financial Clarity Session methodology, all five deliverable formats, the Big 4 Tracker, the Vision Meeting Presentation, the Financial Authority Plan, and the Tax Summary Document. Client receives a personal, non-transferable license to use delivered materials for their own personal financial management purposes only.
Client may not reproduce, distribute, sublicense, sell, teach, or create derivative works from any Financial Clarity Unlocked materials without express written permission from Khair Capital LLC.
TO THE FULLEST EXTENT PERMITTED BY LAW, FINANCIAL CLARITY UNLOCKED AND KHAIR CAPITAL LLC SHALL NOT BE LIABLE FOR ANY FINANCIAL LOSS, INVESTMENT LOSS, TAX LIABILITY, BUSINESS LOSS, OR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING FROM OR RELATED TO CLIENT'S USE OF OR RELIANCE ON THE SERVICES OR DELIVERABLES PROVIDED UNDER THIS AGREEMENT.
In the event that any liability is found notwithstanding the foregoing, the maximum aggregate liability of Financial Clarity Unlocked and Khair Capital LLC to Client shall not exceed the total amount paid by Client for the specific Session giving rise to the claim.
Client acknowledges that all financial decisions made following the Session are made at Client's sole risk and discretion. Client assumes full and complete responsibility for all financial decisions and their consequences.
Coach collects only the financial and personal information necessary to conduct the Session and deliver the agreed services. This information is stored securely, is never sold to third parties, and is used solely for the purpose of delivering the Financial Clarity Session. By entering into this Agreement, Client consents to the collection and use of their financial information for service delivery.
Financial Clarity Unlocked offers and intends to offer additional services beyond the Financial Clarity Session, including group coaching cohorts, community memberships, digital courses, paid challenges, and premium coaching programs. Each additional service will be governed by its own separate services agreement, terms of participation, or terms of sale. Purchasing the Financial Clarity Session does not create any obligation or entitlement to future services at any particular price or availability.
This Agreement constitutes the entire agreement between Coach and Client with respect to the Financial Clarity Session and supersedes all prior discussions, representations, and understandings.
This Agreement shall be governed by the laws of the Commonwealth of Pennsylvania. Any disputes shall be resolved in the courts of Delaware County, Pennsylvania.
In the event of any dispute, the parties agree to first attempt good faith negotiation, then non-binding mediation, before pursuing litigation.
If any provision of this Agreement is found invalid or unenforceable, the remaining provisions remain in full force and effect.
This Agreement may not be amended except by written agreement signed by both parties.
Financial Clarity Unlocked delivers services through online scheduling platforms including Calendly, and through its website at financialclarityunlocked.com and any associated landing pages. Client acknowledges and agrees that the following actions each independently constitute full, legally binding acceptance of this Agreement in its entirety, without requirement of a physical or handwritten signature:
A current version of this Agreement is maintained at all times on the Financial Clarity Unlocked website and is linked from all booking pages and payment flows. Client is responsible for reviewing this Agreement prior to booking. Booking constitutes confirmation that Client has had the opportunity to review these terms.
This electronic acceptance framework is valid and enforceable pursuant to the federal Electronic Signatures in Global and National Commerce Act (15 U.S.C. § 7001 et seq.) (ESIGN Act) and the Pennsylvania Electronic Transactions Act (73 P.S. § 2260.101 et seq.). Electronic records of booking confirmations, payment receipts, checkbox acceptances, and IP address timestamps constitute sufficient evidence of agreement acceptance and are maintained by Coach in the ordinary course of business.
Financial Clarity Unlocked will display or link to this Agreement at every point of booking and payment. By proceeding past any such notice — including clicking a booking confirmation button, submitting a payment, or checking an acceptance box — Client confirms they have been provided meaningful notice of these terms and have accepted them voluntarily.
Coach maintains records of all bookings, payments, and electronic acceptances including timestamps, IP addresses where available, and booking confirmation data. These records serve as evidence of Client's acceptance of this Agreement and are available upon request in the event of any dispute.
By signing below, making payment, or electronically accepting this Agreement, both parties confirm they have read, understood, and agree to all terms and conditions contained in this Agreement.
Taj Khair
CEO, Khair Capital LLC
Financial Clarity Unlocked is a DBA of Khair Capital LLC, a Pennsylvania LLC. Services are educational and coaching in nature. Nothing herein constitutes licensed financial, tax, legal, or investment advice. Client acknowledges they have read and understood this Agreement in its entirety.