Terms of Service

Last updated: November 10, 2026

These Terms of Service ("Terms") govern your use of https://harmonsolutionsusa.com and the coaching, education, and community services offered by Harmon Solutions ("we," "us," or "our").

Agreement to These Terms

By using our website, booking a session, joining a program, or paying for services, you agree to these Terms and to our Privacy Policy. If you do not agree, please do not use the site or our services.

About Harmon Solutions

Harmon Solutions is a couples financial coaching business owned and operated by Sean Harmon in Massachusetts, United States.

Mailing address: 38 Beacon St, Hyde Park, MA 02136

Our Services

We provide financial coaching and education. Our services may include:

  • 1:1 coaching for couples, offered on a limited-capacity basis
  • The Six-Figure Wealth Community
  • Free consultations, educational content, and related resources

Coaching topics include budgeting, debt payoff, and money communication between partners.

Coaching and education only

Sean Harmon is a financial coach. Our services are for coaching and educational purposes only.

  • We are not licensed financial planners, investment advisers, broker-dealers, attorneys, or accountants.
  • We do not provide investment, securities, legal, or tax advice.
  • We do not recommend specific securities or manage money on your behalf.
  • Our services are not a substitute for advice from a licensed professional. Consult a qualified attorney, tax professional, or licensed financial adviser before making decisions in those areas.

You remain responsible for your own financial decisions and their results.

No Guarantee of Results

Results depend on many factors, including your income, expenses, debts, choices, and effort. We do not guarantee any specific financial outcome, such as paying off debt by a certain date, reaching a savings or income goal, or improving your relationship. Any examples or client stories on our site describe individual experiences and are not a promise of similar results.

Booking, Cancellations, and Payment

Sessions are scheduled through Calendly and held on Zoom unless we agree otherwise.

Program fees are provided to you before you enroll. You agree to pay all fees for the services you purchase. Payments are processed by our payment processor.

Six-Figure Wealth Community membership: Membership starts with a 90-day commitment, paid in full when you join. After day 90, membership continues month to month, and you may cancel at any time. Cancellation stops future monthly charges. 1:1 coaching is a 12-month program that includes community membership.

Refunds: Payments for the 90-day community commitment and for 1:1 coaching are non-refundable after enrollment.

Cancellations, rescheduling, and refunds:

Refunds are available only if the client pays for the session and then cancels before the session is conducted. There are no refunds after the session is complete. Cancellations and reschedules need at least 24 hours notice before the session.

We may change our prices at any time. Price changes do not affect services you have already paid for.

Your Responsibilities

When you use our site or services, you agree to:

  • Give accurate and complete information when you contact us, book, or pay
  • Keep your login details, if any, private
  • Treat Sean and other participants, including members of the Six-Figure Wealth Community, with respect
  • Keep other participants' personal information and stories confidential
  • Not use the site for anything unlawful, harmful, or disruptive
  • Not attempt to access, damage, or interfere with the site or its systems

We may suspend or end your access to our services if you break these Terms.

Intellectual Property

All content on our site and in our programs, including text, graphics, logos, videos, worksheets, and course materials, belongs to Harmon Solutions or its licensors and is protected by copyright and other laws.

You may use our materials for your own personal, non-commercial use. You may not copy, share, sell, publish, or create derivative works from our materials without our written permission.

Third-Party Services and Links

Our site and services rely on or link to third-party services, such as Calendly for scheduling, Zoom for video sessions, and our payment processor. These services have their own terms and privacy policies. We do not control them and are not responsible for their content, availability, or practices.

Disclaimer

Our website, content, and services are provided "as is" and "as available." To the fullest extent allowed by law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the site will be uninterrupted, error-free, or free of harmful components.

Limitation of Liability

To the fullest extent allowed by law, Harmon Solutions and Sean Harmon are not liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of money, profits, savings, or data, arising from your use of the site or our services, including any financial decisions you make.

Our total liability for any claim related to the site or our services will not exceed the amount you paid us for services in the three months before the claim arose.

Some jurisdictions do not allow certain limits on liability. In those places, our liability is limited to the fullest extent the law allows.

Indemnification

You agree to defend, indemnify, and hold harmless Harmon Solutions and Sean Harmon from any claims, losses, damages, and expenses, including reasonable attorney's fees, arising from your breach of these Terms or your misuse of the site or our services.

Governing Law

These Terms are governed by the laws of the Commonwealth of Massachusetts, without regard to its conflict of law rules. You agree that any dispute related to these Terms or our services will be resolved in the state or federal courts located in Massachusetts.

Changes to These Terms

We may update these Terms from time to time. When we do, we will change the "Last updated" date at the top of this page. Your continued use of the site or our services after an update means you accept the revised Terms.

General

If any part of these Terms is found unenforceable, the rest remains in effect. Our failure to enforce any part of these Terms is not a waiver of our right to enforce it later.

Contact Us

If you have questions about these Terms, contact:

Harmon Solutions
Sean Harmon
Email: [email protected]
Massachusetts, United States