Your coaching agreement is with Hygge Wealth, a division of Proactive Consulting (Pty) Ltd, Windhoek, Namibia. In these terms, "we" and "I" mean Hygge Wealth. "You" means the client named below.
Who the client is depends on the programme:
| Programme | The client is |
|---|---|
| Business Coaching | The business itself |
| Investment Coaching | The person who completes the onboarding form |
| Comprehensive Wealth Coaching | The person who completes the onboarding form |
Where the client is a business, the person who accepts these terms confirms that they are authorised to accept them on the business's behalf.
Your proposal or invoice sets out which programme you have booked, how many sessions it includes, the fee, and the format. Those details form part of this agreement. Where the two disagree, your proposal takes precedence over these general terms.
Sessions run on Zoom or in person, as agreed. Individual sessions are booked through the scheduling link I send you.
Coaching is a working conversation. I ask questions, offer frameworks, and hold you to what you said you would do. The thinking, the decisions and the actions stay with you.
Across all programmes, coaching is not legal advice, tax advice, accounting services, or psychological therapy. If something comes up that belongs with a lawyer, an accountant, a doctor or a therapist, I will say so and suggest you take it there.
Where a programme covers investments, one more boundary applies. Hygge Wealth is exempt from registration with NAMFISA and is not a licensed financial services provider. Coaching on investments is education and coaching, not regulated financial advice. I do not recommend specific financial products, I do not manage your money, and I do not act as your intermediary with any provider.
Although the exemption applies, I use the Namibian Financial Institutions and Markets Act 2 of 2021 as a voluntary standard for how investment coaching is delivered. That is a choice, not an obligation, and it does not make Hygge Wealth a regulated institution.
Any decision you take about your money is your own. Investments carry risk, including the risk of losing capital, and past performance says nothing about future returns.
The fee for your programme is set out in your proposal or invoice. Fees are quoted in Namibian Dollars unless stated otherwise.
Programmes are paid in full in advance. Your place is confirmed and your programme begins once payment has been received.
Your first session must take place within 90 days of the invoice date.
If we have not held your first session within that period, and the delay is on your side, the programme is treated as started and the window in section 6 begins to run from day 91. If the delay is on my side, because I could not offer you a suitable time, the 90 days extend by the time I was unavailable.
Once your first session has taken place, all remaining sessions must be held within the following window:
| Programme | Window from the first session |
|---|---|
| Business Coaching | 12 weeks |
| Investment Coaching | 12 weeks |
| Comprehensive Wealth Coaching | 16 weeks |
Sessions not taken within the window fall away, unless we have agreed an extension in writing beforehand. If life gets in the way, tell me early. An extension agreed in advance is straightforward. One requested afterwards is not.
The same courtesy runs the other way. If I have to move a session, I give you as much notice as I can and we find a new time at no cost to you. Your window extends by the time lost.
You can end the programme at any time by telling me in writing. This is how the refund is calculated:
Worked example. A programme of 8 sessions at N$ 40,000. You end it after 3 sessions.
N$ 40,000 less N$ 4,000 (10%) less N$ 15,000 (3 sessions at N$ 5,000) leaves a refund of N$ 21,000.
I can also end the programme early, if the working relationship is not serving you, or if the conduct of a participant makes it unworkable. The same calculation applies.
Sessions are recorded. This applies to sessions on Zoom and to sessions held in person. Recordings let me prepare properly, follow through on what we agreed, and keep improving how I work.
By accepting these terms you agree that Hygge Wealth may record your sessions and store those recordings in the Zoom cloud and on local storage.
In practice, most recordings stay on local storage. A recording goes to the Zoom cloud when a participant wants a copy, because that is how it gets shared.
I use AI tools to prepare for sessions and to work with what came out of them. That means transcribing recordings, summarising sessions, and drafting the notes and materials you receive.
Two conditions apply to every tool used this way:
How Hygge Wealth selects and governs these tools is set out in our AI governance policy, which you are welcome to ask for.
What you tell me stays with me. I do not discuss your situation, your business or your finances with anyone else, and I do not use your name as a reference without asking you first.
There are three exceptions:
Confidentiality runs both ways. Frameworks, materials and anything you learn about my methods stay with you.
Where a programme has more than one participant, all coaching sessions are held as a group. Everything discussed in a session is heard by everyone in that session, and confidentiality then rests with the group as a whole.
Individual conversations outside the coaching sessions are not part of the programme and are not covered by these terms.
Where you enter another person's details on the onboarding form, you confirm that they know about it and agree to take part.
A Human Design personality analysis is available as part of your coaching. It is optional, and you choose on the onboarding form whether you want it.
An analysis needs your date of birth, time of birth and place of birth. Your date of birth is on the onboarding form. I ask for the time and place after onboarding. Those two are used for the analysis and for nothing else, and you can ask me to delete them at any time without affecting the rest of your programme.
Human Design is a reflective framework used in coaching. It is not a psychological assessment, a diagnosis, or a prediction.
How your information is collected, stored, used and deleted is set out in the Privacy Notice, which forms part of this agreement.
Worksheets, frameworks, models, reports and any other material I give you remain the intellectual property of Hygge Wealth.
You may use them for yourself and, where the client is a business, inside that business. You may not sell them, publish them, or use them to teach or coach others.
What you produce during the programme, your plans, your decisions and your numbers, belongs to you.
Coaching works when you show up for it. That means arriving on time and prepared, being straight with me about your situation, and doing the work you commit to between sessions.
Where the information you give me is incomplete or inaccurate, the value of what I can offer drops accordingly.
Coaching supports your thinking. It does not guarantee an outcome. No promise is made about revenue, profit, investment returns, or any other result, and none should be read into anything said during a programme.
Decisions you take remain yours, and so do their consequences. Hygge Wealth is not liable for losses arising from decisions you make, whether or not they were discussed in a session.
Nothing in these terms limits liability for fraud, or for anything that cannot be limited under Namibian law.
These terms may change for future clients. The version you accepted when you onboarded is the version that applies to your programme, and it is recorded with your submission. Changes do not apply to a programme already under way unless we both agree in writing.
This agreement is governed by the law of the Republic of Namibia, and the courts of Namibia have jurisdiction.
If something is not working, tell me first. Write to heiko@hygge.com.na and I will come back to you within five working days. Most things are resolved in a conversation. Where they are not, we will attempt mediation in Windhoek before either of us goes to court.
If any part of these terms turns out to be unenforceable, the rest continues to apply.
Hygge Wealth, a division of Proactive Consulting (Pty) Ltd
Windhoek, Namibia
heiko@hygge.com.na