Coaching Sessions are FREE to Residents of Pittsfield, MA and the Surrounding Areas
The information provided by Michael Einstein and Simple Financial Coach ("we," "us," or "our") on this Website (the "Site") is for general informational purposes only. All information on the Site is provided in good faith. However, we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the Site.
Under no circumstances shall we have any liability to you for any loss or damage of any kind incurred as a result of the use of the Site or reliance on any information provided on the Site. Your use of the Site and your reliance on any information on the Site are solely at your own risk.
The Site and any social media do not contain financial advice or investment advice. The information is provided for general informational and educational purposes only and is not a substitute for professional advice. Accordingly, before taking any actions based upon such information, we encourage you to consult with the appropriate professionals.
The owner of this site, Michael Einstein, is a financial coach, but he is not a licensed Financial Planner or Financial Advisor. The content of this site should not be construed as financial or investment advice. The coaching provided by Michael Einstein and Simple Financial Coach is intended to support and assist individuals in reaching their own goals and decisions, but it is not intended as, and should not be used as, a substitute for the advice of a licensed Financial Planner or a Financial Advisor. All users are advised to consult with their own financial advisors for advice related to their personal circumstances.
Financial Coaches are coaches, NOT financial advisors, accountants, or lawyers. Our focus is on helping you build healthy money habits, improve financial literacy, and create actionable plans for your financial goals. We provide education, support, and motivation to empower your financial decisions. Financial advisors offer personalized financial advice and manage investments. Accountants handle tax preparation, auditing, and financial reporting. Lawyers provide legal advice on matters like estate planning and business law.
The content on this Site and social media is for educational purposes only and should not be considered financial, tax, or legal advice. We do not offer specific investment recommendations, tax advice, or legal counsel. For personalized advice in these areas, please consult a qualified financial advisor, accountant, or attorney.
Your use of the Site, including any discussions or interactions with Michael Einstein and/or Simple Financial Coach, is not intended to create, and does not constitute, any professional-client relationships between you and Michael Einstein and/or Simple Financial Coach.
Affiliate Disclosure - Posts and emails may contain affiliate links. This means if you click a link and make a purchase through that link, I may receive a small commission at no extra cost to you. I will only link to products or services that I have personally tried and/or believe in.
Amazon Affiliate – Simple Financial Coach and SimpleFinancialCoach.com is a participant in the Amazon.com Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.
Sponsored Posts - Some posts may be sponsored. This means I received compensation for publishing the post. However, all thoughts and opinions are honest and remain my own.
Medical Disclaimer - Simple Financial Coach and SimpleFinancialCoach.com are not intended to be a substitute for professional mental, emotional, or medical advice, diagnosis, or treatment. Always seek the advice of your health care provider with any questions you may have regarding any physical or mental medical condition.
Welcome to Simple Financial Coach (“Company,” “we,” “our,” or “us”). By accessing or using our website (the “Website”), you agree to these Terms of Use (the “Terms”) and our Privacy Policy. If you do not agree, you may not use the Website.
1. Use of Website
The Website is intended for users 18 years or older. By using the Website, you affirm that you meet this age requirement. You agree to use the Website for lawful purposes only and not in a manner that could damage, disable, overburden, or impair our Website.
2. Services Provided
Simple Financial Coach offers financial coaching services designed to help individuals improve their financial mindset, habits, and behaviors. Our services are for educational and coaching purposes only and do not constitute financial planning, investment advice, tax advice, or legal advice. Consult a licensed professional for these services.
3. No Guarantee of Results
Our coaching services aim to help you achieve your financial goals; however, results may vary based on individual effort, circumstances, and other factors beyond our control. We do not guarantee any specific outcomes or financial improvements.
4. Intellectual Property
All content on the Website, including text, graphics, logos, videos, and downloadable resources, is the intellectual property of Simple Financial Coach or its content providers. You may not copy, reproduce, distribute, or create derivative works without prior written consent.
5. Payment and Refunds
Payments for coaching services are due as specified during the purchase process. Refund policies, if applicable, will be outlined in the agreement for the specific service you purchase.
6. Third-Party Links
The Website may contain links to third-party websites or services. These are provided for your convenience and do not imply endorsement by us. We are not responsible for the content, practices, or policies of third-party sites.
7. Limitation of Liability
To the fullest extent permitted by law, Simple Financial Coach and its owner(s), employees, contractors, or affiliates are not liable for any direct, indirect, incidental, consequential, or punitive damages resulting from your use of the Website or coaching services.
8. Indemnification
You agree to indemnify and hold harmless Simple Financial Coach and its owner(s), employees, contractors, or affiliates from any claims, damages, or expenses arising out of your use of the Website or services.
9. Modifications to the Terms
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Website. Continued use of the Website indicates acceptance of the modified Terms.
10. Governing Law
These Terms are governed by the laws of the Commonwealth of Massachusetts, without regard to its conflict of law provisions.
11. How to contact us
If you have any questions about Our Company's Terms of Use policy, please do not hesitate to contact us.
Email us at: michael@simplefinancialcoach.com
We are committed to protecting your privacy. This privacy policy will explain how Simple Financial Coach uses the personal data we collect from you when you use our website.
What data do we collect?
Our Company collects the following data:
• Personal identification information (Name, email address, mailing address, phone number, and business name).
• Details and copies of your communication with Simple Financial Coach, including emails, webchat posts, feedback you give Simple Financial Coach, and any communication you have with Simple Financial Coach via social media channels.
• Transactions details of payments you made to Simple Financial Coach.
• Copies of identifying documents, such as driver’s licenses and passports, that you provide to Simple Financial Coach.
• Your financial information, including credit card information, that you have provided to Simple Financial Coach, and authorized us to give to our booking and payment processing companies when you purchase our services.
• Information about how you use our website and which website you used to get to our website.
• Technical information about your device or browser when you use our app or website, including geolocation data to determine what country you are accessing our website or app from, your internet protocol (IP) address, device ID, browser type and version and time zone setting, which may in some cases be personal data.
• Simple Financial Coach may also store data we received directly from you or from third parties or public sources, including social media channels.
How do we collect your data?
You directly provide our Company with most of the data we collect. We collect data and process data when you:
• Register online or place an order for any of our products or services.
• Customer/client intake forms and homework.
• Use or view our website via your browser's cookies.
• Interact with us through social media channels.
• Communicate with us via zoom.
Our Company may also receive your data indirectly from the following sources:
• Third parties and public sources.
How will we use your data?
Our Company collects your data so that we can:
• Register you as a client, process your order, and manage your account.
• Process your payment when you purchase our services.
• Communicate with you.
• Notify you of changes in our Privacy Policy or Terms and Conditions.
• Email you with special offers on other products and services we think you might like.
• Tailor our programs to your needs.
• Train our staff.
Simple Financial Coach may share your data with the following companies:
• Banks and payment processors
• Third-party IT system providers
• Professional advisors such as lawyers, bankers, auditors, financial advisors, financial planners, and insurers
• Police or other regulatory authorities when compelled by law to do so
How do we store your data?
Simple Financial Coach has implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. In addition, we limit access to your personal data to those employees, agents, contractors, and other third parties who have a business need to know. They will only process your personal data on our instructions, and they are subject to a duty of confidentiality.
Simple Financial Coach has also put in place procedures to deal with any suspected personal data breach and will notify you of a breach where we are legally required to do so.
The safety and security of your information also depend on you. Where Simple Financial Coach may have given you (or where you have chosen) a password for access to certain parts of our Website or files, you are responsible for keeping this password confidential. Simple Financial Coach asks you not to share your password with anyone.
Unfortunately, the transmission of information via the internet is not completely secure. Although Simple Financial Coach does its best to protect your personal information, it cannot guarantee the security of your personal information transmitted to our Websites. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Websites.
Simple Financial Coach will only retain your personal data for as long as necessary to fulfill the purposes for which we collected it, including retention to see trends among clients, and for the purposes of satisfying any legal, accounting, or reporting requirements. To determine the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorized use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal requirements.
Our Company would like to send you information about products and services that we think you might like. If you have agreed to receive marketing, you may always opt out at a later date.
You have the right at any time to stop Simple Financial Coach from contacting you for marketing purposes.
If you no longer wish to be contacted for marketing purposes, please email us at michael@simplefinancialcoach.com with the subject line “Data Protection Privacy”.
What are your data protection rights?
Simple Financial Coach would like to make sure you are fully aware of all of your data protection rights. Every user is entitled to the following:
• The right to access - You have the right to request our Company for copies of your personal data. We may charge you a small fee for this service.
• The right to rectification - You have the right to request that our Company correct any information you believe is inaccurate. You also have the right to request that our Company complete information you believe is incomplete.
The right to erasure - You have the right to request that our Company erase your personal data, under certain conditions.
• The right to restrict processing - You have the right to request that our Company restrict the processing of your personal data, under certain conditions.
• The right to object to processing - You have the right to object to our Company's processing of your personal data, under certain conditions.
• The right to data portability - You have the right to request that our Company transfer the data that we have collected to another organization, or directly to you, under certain conditions.
If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please:
• Contact us at our email at: michael@simplefinancialcoach.com
What are cookies?
Cookies are text files placed on your computer to collect standard Internet log information and visitor behavior information. When you visit our websites, we may collect information from you automatically through cookies or similar technology. For further information, visit allaboutcookies.org.
How do we use cookies?
Simple Financial Coach uses cookies in a range of ways to improve your experience on our website, including:
• Keeping you signed in
• Understanding how you use our website
What types of cookies do we use?
There are a number of different types of cookies, however, our website uses:
• Functionality - Our Company uses these cookies so that we recognize you on our website and remember your previously selected preferences. These could include what language you prefer and the location you are in. A mix of first-party and third-party cookies are used.
• Advertising - Our Company uses these cookies to collect information about your visit to our website, the content you viewed, the links you followed, and information about your browser, device, and your IP address. Our Company sometimes shares some limited aspects of this data with third parties for advertising purposes. We may also share online data collected through cookies with our advertising partners. This means that when you visit another website, you may be shown advertising based on your browsing patterns on our website.
How to manage cookies
You can set your browser not to accept cookies, and the above website tells you how to remove cookies from your browser. However, in a few cases, some of our website features may not function as a result.
Our commitment to children's privacy
Protecting the privacy of children is important to us. We do not knowingly collect any personal information from children under the age of 18. If a parent or guardian believes that their child has provided us with personal information without consent, please contact us by using the information below, and we will use our best efforts to delete such information from our systems.
Privacy policies of other websites
Our Company website contains links to other websites. Our privacy policy applies only to our website, so if you click on a link to another website, you should read their privacy policy.
Changes to our privacy policy
Our Company keeps its privacy policy under regular review and places any updates on this web page. This privacy policy was last updated on July 5, 2025.
How to contact us
If you have any questions about Our Company's privacy policy, the data we hold on you, or you would like to exercise one of your data protection rights, please do not hesitate to contact us.
Email us at: michael@simplefinancialcoach.com