Terms of Use

These Terms of Use set out the rules for using briefowler.com and for buying and taking part in Brief Owler's course, coaching sessions and programs. Please read them carefully. They explain what you can expect from us, what we expect from you, and how we will resolve any problems.

Last updated: October 7, 2026

1. Acceptance of these terms

These Terms of Use (the "Terms") form an agreement between you and Brief Owler ("Brief Owler", "we", "us" or "our") covering your use of the website briefowler.com (the "Site") and any course, coaching session, program, written report, tool or other service we provide (together, the "Services").

By using the Site, submitting a form, subscribing to our newsletter or buying any Service, you agree to these Terms and to the policies they refer to, including our Privacy Policy, Cookie Policy, Refund Policy and Financial & Earnings Disclaimer. If you do not agree, please do not use the Site or the Services.

If we agree a separate written coaching agreement with you, that agreement applies alongside these Terms. If the two conflict, the written coaching agreement takes priority for the matters it covers.

2. Eligibility

You must be at least 18 years old and able to enter into a legally binding contract to buy or take part in the Services. By using the Services, you confirm that you meet these requirements. The Site and Services are not directed to anyone under 18.

If you buy a Service on behalf of another person (for example, as a gift), you are responsible for making sure that person is 18 or older and agrees to these Terms.

3. Our services

Brief Owler is an online money-coaching and financial-education studio. We help people get a clearer view of their cash flow, reduce emotional spending, build savings and plan debt payoff. Our current Services are:

• The Owler Method: a self-paced course of five video modules (about 2.5 hours in total) and a printable workbook, with lifetime access, for a one-time price of $39.
• Cash Flow Clarity Audit: one 90-minute session plus a written Money Brief report delivered within 5 business days, for $149.
• 1:1 Money Coaching: a 12-week program of six 60-minute calls with messaging support between calls, for $1,200 or three monthly payments of $420.
• Emotional Spending Reset: a 6-week small-group program, for $290.
• Couples Money Alignment: three 75-minute sessions, for $480.
• Debt Payoff Roadmap: two sessions plus a custom payoff plan spreadsheet, for $249.
• Business Owner Pay-Yourself System: four sessions for freelancers and solo business owners, for $690.
• Night Brief: a free 20-minute discovery call, booked through our contact form.

We also offer free calculators on our tools page and free articles on our blog. Sessions take place over video call. We may update, improve or withdraw any Service, but we will honour any Service you have already paid for, or refund you in line with our Refund Policy if we cannot.

4. Accounts and access

To access The Owler Method or certain client materials, you may need to create an account or receive access credentials. You agree to:

• give accurate, current information and keep it up to date;
• keep your password and login details confidential;
• not share your login with anyone else or let anyone else use your account; and
• tell us promptly at [email protected] if you think someone has accessed your account without permission.

You are responsible for activity under your account unless it results from our own failure to keep our systems secure. We may suspend access where we reasonably believe an account is being shared or misused.

5. Purchases, pricing and taxes

All prices are shown in US dollars unless stated otherwise. Our current prices are listed on our pricing page and on each service page. We may change prices at any time, but a price change will not affect a purchase you have already made.

A contract between you and us is formed when we confirm your purchase by email. We may decline or cancel an order, for example if a price was displayed in error or we cannot offer the Service to you, in which case we will refund any amount you paid in full.

Prices may not include sales tax, value-added tax (VAT), goods and services tax (GST) or similar taxes, which may be added at checkout depending on where you live. Any taxes due will be shown before you complete your purchase. You are responsible for any bank, currency conversion or foreign transaction fees your card issuer charges.

Payments are processed by a third-party payment processor (for example, Stripe). By paying, you also agree to that processor's terms. Brief Owler never stores your full card number.

6. Payment plans

Where we offer a payment plan, such as three monthly payments of $420 for 1:1 Money Coaching, you authorise us and our payment processor to charge your chosen payment method automatically on each due date until all instalments are paid. Paying by instalments costs more in total than paying in full, and the full plan price is shown before you agree to it.

A payment plan is a commitment to pay for the whole program, not a monthly subscription. If a payment fails, we will let you know and give you a reasonable chance to update your payment details. If a payment remains unpaid for more than 14 days after we contact you, we may pause your sessions and messaging support until the account is brought up to date.

If you cancel a payment plan in line with our Refund Policy, future payments will stop. Cancelling a plan does not by itself entitle you to a refund of payments already made, except as the Refund Policy describes.

7. Scheduling, rescheduling, late arrivals and no-shows

Sessions are booked through our scheduling tool or by agreement with us by email. Each booking confirmation will include the date, time (with time zone) and video-call link.

• Rescheduling. You may reschedule a session free of charge if you give us at least 24 hours' notice. Specific rules for the Cash Flow Clarity Audit are set out in our Refund Policy.
• Late notice. If you cancel or reschedule with less than 24 hours' notice, the session may be counted as used. We will consider genuine emergencies with understanding.
• Late arrivals. If you arrive late, the session will still end at its scheduled time so that we can be on time for others. We will wait at least 15 minutes before treating a session as a no-show.
• No-shows. If you do not join a session within 15 minutes of its start time and have not contacted us, the session may be counted as used.
• Our changes. If we need to reschedule or cancel a session, we will give you as much notice as possible and offer a new time at no extra cost. If we cannot offer a suitable alternative, we will refund the unused session.
• Group programs. Group sessions in the Emotional Spending Reset run at fixed times and cannot be rescheduled for individual participants. Where available, recordings or summary materials may be offered for missed sessions.

Coaching programs must be used within their stated period (for example, 12 weeks for 1:1 Money Coaching) unless we agree an extension or a pause in writing, as described in our Refund Policy.

8. Course licence and intellectual property

The Site and all content we create, including The Owler Method videos and workbook, Money Briefs, templates, spreadsheets, calculators, articles, graphics, text, the Brief Owler name and logo, and our methods as expressed in these materials, are owned by Brief Owler or our licensors and are protected by copyright, trade mark and other laws.

Your licence

When you buy The Owler Method or receive materials as part of a Service, we grant you a personal, non-exclusive, non-transferable, non-sublicensable, revocable licence to access and use those materials for your own personal, non-commercial use. "Lifetime access" means access for as long as we continue to operate the course; if we ever stop offering it, we will give you reasonable notice and a way to download the materials you have bought.

What you may not do

Unless we agree in writing, you may not:

• share your login or give anyone else access to the course;
• copy, download (except where a download option is provided), record, reproduce, distribute, publish or sell our materials;
• use our materials to teach, coach or train others, or to create a competing product or service;
• remove copyright or other notices from our materials; or
• use the Brief Owler name or logo in a way that suggests we endorse you.

You may print the workbook and personal materials for your own use, and you may share a Money Brief or payoff plan made for you with your own professional advisers, such as an accountant or financial adviser, or with your partner.

If you breach this licence, we may suspend or end your access without a refund, in addition to any other remedies available to us.

9. Acceptable use and conduct

When using the Site and Services, you agree not to:

• break any law or encourage anyone else to do so;
• harass, threaten, abuse or discriminate against us or any other participant;
• share another participant's personal information or anything said in a group session outside that session;
• record sessions without everyone's prior consent;
• interfere with or try to gain unauthorised access to the Site, our systems or other users' accounts;
• introduce viruses, malicious code or automated scraping tools; or
• submit false information or impersonate anyone else.

Group programs work only when everyone feels safe. We may remove a participant from a group session or program if their behaviour seriously or repeatedly disrupts the group, and we will consider a pro rata refund in those cases.

10. Content you share with us

You may share messages, worksheets, spending summaries, questions or other content with us ("Your Content"). You keep ownership of Your Content. You give us permission to use Your Content only as needed to provide the Services to you, and in line with our Privacy Policy. We treat information you share in coaching as confidential.

We will never publish Your Content, your story or any quote from you without your separate, explicit written permission.

You confirm that you have the right to share Your Content with us and that it does not infringe anyone else's rights. Please share only what is needed for coaching; you never need to give us bank logins, full account numbers or passwords.

If you send us ideas or suggestions about how to improve our Services, we may use them freely without any obligation to you.

11. Nature of coaching: no professional advice

Brief Owler provides money coaching and financial education only. We are not a financial adviser, broker, registered investment adviser, tax adviser, accountant, lawyer, credit counsellor or credit-repair company, and we are not a fiduciary. Nothing we say or provide is financial, investment, tax, legal, accounting or credit advice, or a recommendation to buy, sell or hold any financial product.

• You are responsible for your own financial decisions and their results.
• Coaching is not therapy or a mental health service. If emotional spending is linked to significant distress, please consider speaking with a qualified health professional as well.
• For advice tailored to your investments, taxes or legal position, please consult an appropriately licensed professional.
• We do not guarantee any specific financial outcome, including savings, debt reduction or income.

More detail is in our Financial & Earnings Disclaimer, which forms part of these Terms.

12. Third-party services

We use third-party services to run our business, such as payment processors, video-call providers, scheduling tools, email providers and course hosting platforms. Your use of those services may be subject to their own terms and privacy policies. We choose these providers carefully, but we are not responsible for their acts or omissions, or for outages outside our reasonable control.

The Site may contain links to external websites, such as government consumer finance resources. We provide these links for convenience and do not control or endorse their content.

13. Disclaimer of warranties

We work hard to provide accurate, useful content and professional Services. However, to the fullest extent permitted by law, the Site, the free tools and the Services are provided "as is" and "as available", without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, accuracy and non-infringement. We do not warrant that the Site will be uninterrupted or error-free, or that calculator results will be accurate for your circumstances.

Nothing in these Terms affects any statutory rights you have as a consumer that cannot be excluded or limited by contract, including, where applicable, your right to have services provided with reasonable care and skill.

14. Limitation of liability

To the fullest extent permitted by law, Brief Owler will not be liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of profits, revenue, savings, investment returns, data or goodwill, arising out of or relating to your use of the Site or the Services, even if we have been told such losses were possible.

To the fullest extent permitted by law, our total liability to you for all claims arising out of or relating to the Site or the Services is limited to the amount you paid us for the Service giving rise to the claim in the 12 months before the claim arose, or $100 if you have not paid us anything.

These limits do not apply to liability that cannot be limited or excluded by law, such as liability for death or personal injury caused by negligence, or for fraud or fraudulent misrepresentation. If you live in a country or state that does not allow certain limitations, some of these limitations may not apply to you.

15. Indemnity

To the extent permitted by law, you agree to indemnify and hold harmless Brief Owler from any claims, losses, liabilities and reasonable costs (including reasonable legal fees) brought by a third party that arise from your breach of these Terms, your misuse of our course materials, or Your Content infringing someone else's rights. This does not apply to the extent a claim is caused by our own breach or negligence.

16. Suspension and termination

You may stop using the Site at any time. Cancellation of paid Services is governed by our Refund Policy.

We may suspend or end your access to the Site or any Service if you seriously or repeatedly breach these Terms, fail to pay amounts due, share your course login, or behave abusively towards us or other participants. Where reasonable, we will warn you first and give you a chance to put things right. If we end a Service for reasons that are not your fault, we will refund any unused portion.

Sections that by their nature should continue after termination, including those on intellectual property, disclaimers, limitation of liability, indemnity and dispute resolution, will continue to apply.

17. Dispute resolution

Most concerns can be resolved quickly by talking. If you have a complaint or dispute, please first email [email protected] with a description of the issue and the outcome you are looking for.

1. Informal negotiation. We will acknowledge your message within 5 business days, and both of us agree to try in good faith to resolve the dispute informally for at least 30 days before starting any formal proceedings.
2. Mediation. If we cannot resolve the dispute informally, either of us may suggest mediation with a neutral mediator before going to court. Mediation is voluntary, and each of us will bear our own costs unless we agree otherwise.
3. Courts. If the dispute is still unresolved, either of us may bring proceedings in the courts that have jurisdiction under section 18.

Nothing in this section prevents either of us from seeking urgent relief from a court to protect intellectual property or confidential information, or prevents you from using a small claims court where available. If you live in the EU, you may also be able to use an alternative dispute resolution body in your country.

18. Governing law

These Terms and any dispute arising out of or relating to them are governed by the laws of the jurisdiction in which Brief Owler is established, without regard to conflict-of-law rules. The courts of that jurisdiction will have non-exclusive jurisdiction.

If you are a consumer, you will still benefit from any mandatory protections of the law of the country or state where you live, and you may be able to bring proceedings in the courts there.

19. Severability and general terms

If any part of these Terms is found to be invalid or unenforceable, that part will be limited or removed to the minimum extent necessary, and the rest of the Terms will remain in full force.

If we do not enforce a right under these Terms straight away, that does not mean we have given it up. You may not transfer your rights under these Terms without our written consent. We may transfer our rights to another business that takes over Brief Owler, provided your rights are not reduced. These Terms, together with the policies they refer to and any written coaching agreement, form the entire agreement between you and us about their subject matter.

We are not responsible for delays or failures caused by events beyond our reasonable control, such as internet outages, illness or natural disasters; in such cases, we will reschedule affected sessions or refund unused Services.

20. Changes to these terms

We may update these Terms from time to time, for example to reflect new Services or changes in law. We will post the updated Terms on this page and change the "Last updated" date. If a change is significant, we will notify current clients by email before it takes effect. Changes will not apply retroactively to Services you have already bought, unless the change is required by law or is in your favour. If you continue to use the Site after the changes take effect, you accept the updated Terms.

21. Contact us

If you have any questions about these Terms, please email [email protected] or use our contact page. For privacy questions, email [email protected]. You may also find our FAQ helpful.