1:1 Money Sessions

One-to-One Money Session

Terms and Conditions  ·  August 2026

These Terms and Conditions ("Terms") apply to the purchase and delivery of the One-to-One Money Sessions ("the Sessions") by Catherine Morgan Limited ("the Company", "We", "Us", "Our"), a company registered in Jersey, Channel Islands under company number 137407, whose registered office is at 1-3 Colomberie, St Helier, Jersey, trading as The Money Panel, to you, the person purchasing a Session ("the Client", "You").

Company structure and payment arrangements

You are entering into a service agreement with Catherine Morgan Limited, a company registered in Jersey, Channel Islands, trading as The Money Panel. All Services under these Terms are delivered by Catherine Morgan Limited from Jersey.

For payment processing convenience, the Fee is collected through our UK entity, The Money Panel Ltd (registered in England and Wales, company number 10267198, registered office at 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ), acting solely as a payment collection agent on behalf of Catherine Morgan Limited. All contractual obligations, service delivery, liability and dispute resolution sit with Catherine Morgan Limited (Jersey). The Money Panel Ltd (UK) has no liability to you under these Terms other than the obligation to process payments and refunds correctly.

Acceptance

Before purchasing, the Client is asked to confirm each of the following separately, by ticking the relevant box at checkout. Ticking those boxes and completing payment forms the Client's acceptance of these Terms and the Client's consent to participate on the basis set out at Clause 15. No physical signature is required.

(a) I have read and agree to these Terms and Conditions.

(b) I am aged 18 or over, and I am purchasing as a consumer for my own personal use.

(c) I understand that this Session may explore emotional material, personal history and, where relevant, family history, and that it may bring up difficult material.

(d) I understand that this Session is not therapy, counselling, medical treatment, or regulated financial advice.

(e) I confirm that I have considered whether this Session is right for me at this time, and that I have told the Company anything I consider relevant to my participation.

(f) I request that the Company begins delivering the Services within the 14-day cancellation period, and I understand that I will lose my right to cancel once the Session has been delivered in full. (See Clause 8.)

1. The Sessions

1.1 By accepting these Terms the Client understands and accepts that they are purchasing one or more of the following, each being a single, private, one-to-one session of 90 minutes delivered online:

(a) I Know I Need To Look At It, working with clarity, understanding and next steps in relation to a financial decision or an area of the Client's financial life;

(b) Worthy Of More, working with inherited beliefs and patterns in relation to what the Client earns, receives, spends or keeps;

(c) What's Getting In The Way, working with what arises when the Client attempts to take a financial action they have already decided upon;

(d) All Three, being one of each of (a), (b) and (c), purchased together at the bundle rate.

1.2 The Sessions shall be delivered pursuant to the details set out in Schedule 1.

1.3 The Fee for each Session and for the bundle is set out in Schedule 2. The Fee is payable in full in advance. No payment plan or instalment option applies.

1.4 Once cleared payment is received, the Company shall provide a receipt, send the Client the pre-session form and the booking link, and confirm the arrangements for the Session.

1.5 Choice of Session. The Client selects the Session they consider most appropriate. The Company may, during a Session, form the view that a different area would be more useful. Where that happens the Company will say so, and may with the Client's agreement work in that area within the same Session. Selecting one Session rather than another does not give rise to any right to a refund or to an additional Session.

1.6 The bundle. Where the Client purchases All Three, the three Sessions must be booked and delivered within six months of the date of purchase, unless the Company agrees otherwise in writing. Sessions not taken within that period will be treated as delivered and no refund will apply. The Company will not unreasonably refuse a request to extend where the Client has a good reason.

2. The Services

2.1 The services to be delivered are the Sessions ("the Services"), as further detailed in Schedule 1. Depending on the Session purchased and on what arises, the Company may draw on Emotional Freedom Technique (EFT), Matrix Reimprinting, Inherited Family Trauma tools based on the work of Mark Wolynn, gentle parts work, energy work, and practical money coaching.

2.2 The Company will confirm the date and time of each Session with the Client by email and by the Company's online booking system. It is the Client's responsibility to note the Session time, to check their email regularly, to respond promptly to requests to agree the time and date, and to attend at the agreed time.

2.3 The Company will wait for 15 minutes on the call. If the Client is more than 15 minutes late, the Session will be treated as delivered and the Fee will not be refunded.

2.4 In the event the Company is unable to attend a scheduled Session, the Company will give the Client as much notice as reasonably possible and will use reasonable endeavours to reschedule to a mutually acceptable date. Where a mutually acceptable date cannot be found, the Company will refund the Fee for that Session in full.

2.5 The Client may reschedule a Session on one occasion at no charge, provided the Client gives the Company at least 48 hours' notice in writing before the scheduled start time. Where less than 48 hours' notice is given, or where the Client does not attend, the Session will be treated as delivered and the Fee will not be refunded. The Company may waive this at its discretion where the Client has been prevented from attending by illness, bereavement or comparable circumstances.

2.6 The Company shall use reasonable endeavours to respond to emails from the Client within 48 hours of receipt during normal working days. The Company does not provide ongoing support, messaging access or accountability between or after Sessions. Any further contact or sessions will be the subject of a separate agreement.

2.7 Attendance. The Sessions are delivered to the Client individually. No other person may attend or participate without the Company's prior written agreement.

2.8 Your personalised resource. Following each Session the Company will prepare a personalised resource created from the work carried out in that Session, being the Money Next Steps Dashboard, the Worthy Of More Map, or a Personal Priming Practice or Money Parts Map, according to the Session delivered. The Company will send this to the Client normally within five working days of the Session. The form and content of the resource are determined by the Company, having regard to the work actually done.

2.9 Recording. The Company does not routinely record Sessions. Where a recording would be helpful, it will be made only with the Client's express agreement given at the time, and will be provided to the Client for their personal use only. The Client may not record a Session, in whole or in part, by any means, without the Company's prior express agreement.

3. Scope of the Services

3.1 Not regulated financial advice. The Company does not provide regulated financial advice in any jurisdiction. The Company is not authorised or regulated by the Jersey Financial Services Commission (JFSC), the Financial Conduct Authority (FCA), or any equivalent regulator. The Company will not recommend, and the Client must not treat anything said in a Session as a recommendation of, any specific pension, investment, insurance, mortgage, credit or other financial product or provider. The Company does not hold a licence to provide debt advice or credit-related services.

3.2 Not therapy. The Session is not psychotherapy, counselling, or medical or mental-health treatment, and is not a substitute for any of them.

3.3 Not tax, legal or accounting advice. Nothing in a Session constitutes tax, legal or accounting advice. The Client should take advice from a suitably qualified professional where required.

3.4 Scope of practice and referral. The Company is a qualified former financial adviser, a Certified Financial Abuse Specialist, and a trained EFT Practitioner, Matrix Reimprinting Practitioner and Inherited Family Trauma Practitioner. The Company is not a psychotherapist, counsellor, psychologist or medical practitioner, and does not hold itself out as one. If, during a Session, material arises which in the Company's reasonable judgement falls outside the Company's scope of practice, the Company may pause or end the Session, and will where appropriate suggest that the Client seek support from a suitably qualified practitioner.

3.5 The Company's right to decline. The Company may decline to deliver a Session, or may end one, where the Company reasonably considers that it is not appropriate for the Client at that time. Where the Company does so, the Company will refund the Fee in full, or a fair proportion of the Fee where the Session has been partly delivered. This is not a disciplinary provision and no fault on the Client's part is implied.

3.6 Financial difficulty. The Sessions are not a debt advice or crisis service. A Client in acute financial difficulty is encouraged to seek free specialist support, for example from StepChange, Citizens Advice, or the equivalent service in their jurisdiction.

3.7 After the Session. A Session may bring up material that stays with the Client afterwards. The Client is welcome to contact the Company by email following a Session. The Company is not an emergency or crisis service and does not provide ongoing clinical support. If the Client is in crisis or at risk of harm, they should contact their GP, their own practitioner, or the emergency services.

4. Client's obligations

4.1 This Agreement does not create any partnership, joint venture, employment or agency relationship between the parties. The Company is liable to the Client only in respect of the Services provided and to the extent set out in these Terms.

4.2 The Client accepts that participation may involve reviewing and making decisions concerning their personal and home life, business and career, finances, lifestyle, education and development, and health and wellbeing. Any such review, decision, implementation and action is the sole responsibility of the Client.

4.3 The Client is solely responsible for making decisions and taking action as a result of anything reviewed or discussed during a Session. The Company shall not be liable for the Client's failure to make decisions or take action, or for any results, whether direct or indirect, arising out of the Client's participation.

4.4 The Client acknowledges that it is their responsibility to attend, to participate, and to communicate openly and honestly.

4.5 The Client confirms that all information provided to the Company, including personal information, is true, correct, up to date and complete.

4.6 The Client understands that participation does not guarantee any particular result or outcome.

4.7 If the Client is currently receiving medical or other professional support concerning their mental health, the Client is encouraged to inform their practitioner of their participation, and to inform the Company where relevant.

4.8 The Client agrees to indemnify and hold harmless the Company in respect of any action brought against the Company arising out of the Client's breach of these Terms.

5. Complaints

5.1 If the Client has any concern about the Services, the Client is asked to notify the Company by email at hello@catherinemorgan.com as soon as reasonably possible. The Company will acknowledge within five working days and will use all reasonable efforts to resolve the concern.

6. Fees and payment

6.1 The Client is responsible for ensuring that the Fee is paid in full and on time.

6.2 The Fee is stated exclusive of VAT. The Company is not VAT registered.

6.3 The Client is responsible for any bank charges, currency conversion costs or local taxes arising in their own jurisdiction.

6.4 Where any sum is overdue by more than 7 days, the Company may withhold delivery of the Services until payment is received, and interest may be charged at 3% over the Bank of England base rate from time to time, accruing daily. Where any sum is overdue by more than 30 days, the Company may instruct a collection agent or lawyer to recover the Fee together with interest and costs reasonably incurred.

7. Booking and rescheduling

7.1 Booking is made through the Company's online booking system using the link provided after payment.

7.2 Rescheduling and non-attendance are governed by Clauses 2.3 and 2.5.

7.3 Where the Client has purchased the bundle, the Client may book the Sessions individually or together, subject to Clause 1.6.

8. Cancellation and refunds

8.1 Statutory cancellation rights. Where the Client is a consumer and the contract is entered into at a distance, the Client may have a statutory right to cancel within 14 days of the date the contract is formed. Nothing in these Terms limits or excludes that right or any other right the Client has under applicable consumer protection legislation, including (as applicable) the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, the Consumer Rights Act 2015, the Distance Selling (Jersey) Law 2007 and the Supply of Goods and Services (Jersey) Law 2009.

8.2 Beginning within the cancellation period. Because Sessions are frequently booked for a date within 14 days of purchase, the Client is asked at checkout to expressly request that the Company begins delivering the Services within the cancellation period, and to acknowledge that the right to cancel is lost once the Services have been delivered in full.

8.3 Where the Client cancels within the cancellation period and before the Session has been delivered, the Company will refund the Fee, less a proportionate amount reflecting any preparation already carried out at the Client's request. Refunds will be made using the same method of payment, within 14 days.

8.4 Outside the statutory cancellation period, and save as set out in Clauses 2.4, 3.5, 8.5 and 8.6, no refund shall apply.

8.5 Cancelling a bundle part-way through. Where the Client has purchased All Three and wishes to end the arrangement after one or two Sessions have been delivered, the Company will refund the Fee paid less the then-current single Session rate for each Session delivered. 

8.6 Where the Company is unable to deliver the Services by reason of an unforeseen event, the Client may be entitled to a refund calculated pro rata on Sessions not delivered.

9. Termination

9.1 Either party may terminate by written notice where the other commits a material breach and, where the breach is capable of remedy, fails to remedy it within 14 days of notice; or where the other commits a material breach incapable of remedy.

9.2 The Client may terminate at any time by written notice. Subject to Clause 8, no refund will apply.

9.3 The Company may limit, suspend or terminate the Services without refund where the Company reasonably determines that the Client is behaving abusively towards the Company or any other person, is repeatedly failing to attend without reasonable justification, or is failing to abide by these Terms. Before doing so the Company will, where it is reasonable and safe to do so, raise the matter with the Client and give an opportunity to put it right.

10. Confidentiality and safeguarding

10.1 In order for the Services to be effective the Client will be encouraged to disclose personal and confidential information. The Company shall not, directly or indirectly, disclose, make available to, or use for its own benefit or that of any other person, the Client's ideas, know-how, business practices, concepts, techniques, plans, trade secrets and other confidential or proprietary information ("Confidential Information").

10.2 Confidential Information excludes information that: (a) was already known to the Company before disclosure by the Client; (b) is in the public domain; (c) is provided by a third party without breach of these Terms; or (d) is independently produced by the Company without breach of these Terms.

10.3 Risk of harm. Where information is disclosed which causes the Company to have a reasonable and serious concern that the Client or another person is at risk of significant harm, the Company may disclose such information as is necessary to protect the Client or that other person. Where it is safe and appropriate to do so, the Company will tell the Client first.

10.4 Financial abuse. The Company is a Certified Financial Abuse Specialist. Where a Client discloses economic or financial abuse, the Company will hold that disclosure in confidence subject to Clause 10.3, and may signpost the Client to specialist support. The Company does not act as an advocate, investigator or reporting body.

10.5 Clauses 10.1 to 10.4 do not apply where the Company is subject to a court order or other legal or statutory obligation requiring disclosure.

11. Intellectual property

11.1 The Client agrees not to infringe any of the Company's copyrights, trademarks, trade secrets or other intellectual property rights.

11.2 All materials, frameworks, tools, assessments and resources provided by the Company, including but not limited to the Money Narratives Clearing® Framework, the Money StoryTypes® Assessment, the Money Next Steps Dashboard, the Worthy Of More Map, the Personal Priming Practice and the Money Parts Map, are and remain the confidential and proprietary intellectual property of the Company.

11.3 The Client is granted a personal, non-exclusive, non-transferable licence to use their personalised resource for their own personal purposes. The Client may not reproduce, distribute, publish, sell, licence or use it commercially, or share it with any third party, without the Company's prior written consent.

11.4 The Client agrees that breach of this Clause may cause the Company loss or irreparable harm and that the Company may seek relief, including injunctive relief.

12. Data protection

12.1 The Company processes personal data in accordance with the Data Protection (Jersey) Law 2018 and, where applicable, the UK GDPR and the EU GDPR. Further details are set out in the Privacy Notice at www.themoneypanel.co.uk/privacy-policy

12.2 Special category data. The Client understands that the Services require the Company to process special category personal data, including data concerning the Client's health and mental health, family history, and in some cases data revealing racial or ethnic origin or religious belief. By accepting these Terms and completing the pre-session form, the Client gives explicit consent to the Company processing such data for the sole purpose of delivering the Services. The Client may withdraw this consent at any time by writing to hello@catherinemorgan.com, and understands that withdrawal may mean the Services cannot be delivered.

12.3 Information about third parties. The Client acknowledges that the pre-session form and the Sessions may invite information about third parties, including members of the Client's family and, where relevant, the Client's partner. The Client should share only what they are comfortable sharing. The Company will treat any such information with the same confidentiality and care as the Client's own.

12.4 Both parties will take appropriate steps to keep information secure and to protect against loss, destruction and unlawful or unauthorised processing.

12.5 The Client has the right to request copies of the information the Company holds about them, by Data Subject Access Request to hello@catherinemorgan.com. Requests will be dealt with within the statutory period.

12.6 Information provided in connection with a Session will be retained for six years from the date of the Session, after which it will be securely deleted, unless a longer period is required by law.

12.7 The Company may disclose the Client's information where legally compelled or under a legal duty; where necessary to administer the Client's account; to third-party service providers engaged to deliver or support the Services; and where disclosure is made at the Client's request or with their authority.

12.8 This Clause 12 shall survive termination.

13. Liability

13.1 The Company has made every effort to represent the Services accurately. Any testimonials or examples of results are individual experiences and are not intended to represent or guarantee that any other person will achieve the same or similar results. The Company makes no guarantee, representation or warranty as to any outcome.

13.2 Nothing in these Terms limits or excludes the Company's liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, for the obligation to perform the Services with reasonable care and skill, or for any other liability which cannot lawfully be limited or excluded.

13.3 Subject to Clause 13.2, the Company will not be liable to the Client for any indirect, consequential or special loss, or for any loss of profit, revenue, savings or opportunity.

13.4 Subject to Clause 13.2, the Company's total liability under or in connection with these Terms is limited to the amount paid by the Client to the Company.

13.5 The Client agrees not to make any statement about the Company which the Client knows to be false or misleading. Nothing in this clause prevents the Client from expressing an honest opinion about the Services, from leaving a genuine review, or from making any disclosure required or protected by law.

13.6 The Company confirms that it holds professional indemnity and public liability insurance adequate to meet liabilities that may arise in connection with these Terms.

13.7 Where a dispute arises which cannot be resolved by agreement, the parties will first attempt to resolve it through mediation by an independent mediator before commencing legal proceedings. This does not prevent either party from seeking urgent injunctive relief.

14. Notices

14.1 Any notice shall be validly served if sent by email, or by first class post to the address of the other party, and shall be deemed served: (a) if by email, on receipt of a valid delivery notification, if before 5pm UK time, or at 9am the following business day; (b) if by post, on the second business day after posting.

14.2 Notices to the Company should be sent to hello@themoneypanel.co.uk

15. Consent and release

15.1 The Sessions are delivered online and may use tools including new learning experiences, healing sentences, guided imagery and visualisation, tapping, gentle parts work and enquiry (together, the "Exercises"). By accepting these Terms the Client consents to the Exercises and acknowledges that they are free to withdraw that consent or stop a Session at any time, for any reason, and without needing to explain.

15.2 The Client understands that difficult or traumatic material may be discussed, and that participating may bring up highly personal issues which may cause temporary stress or unexpected responses of a physical, psychological, mental, emotional or spiritual nature. The Client understands that there is a risk of emotional distress from their participation, agrees to take responsibility for their participation, and agrees to release Catherine Morgan Limited from liability for any loss or damage that may occur in connection with the Sessions, to the fullest extent permitted by law and subject always to Clause 13.2.

15.3 By accepting these Terms the Client confirms that they have considered whether the Sessions are appropriate for them at this time, and that they have disclosed to the Company any physical or mental health condition, diagnosis, or current treatment that may be relevant to their participation.

15.4 The Client takes responsibility for their own experience of the Sessions, and is free to pause or to leave at any time.

16. General

16.1 Failure to enforce any provision does not constitute a waiver of any right.

16.2 If any provision is held invalid or unenforceable, it shall be struck out and the remaining provisions shall remain in force.

16.3 These Terms, together with the Schedules, form the entire agreement between the parties and supersede all prior negotiations, correspondence and discussions.

16.4 The Company shall not be liable for any delay or failure in provision of the Services caused by circumstances beyond its reasonable control, including act of God, strike, war, riot, fire, flood, accident, illness, failure of telecommunications or third-party services. Delivery shall be extended until a reasonable time after the event.

16.5 The Company may amend these Terms from time to time. The version applying to any purchase is the version in force at the date of purchase.

16.6 These Terms are formed in Jersey, the principal place of business of the Company, and are governed by the laws of Jersey. The parties submit to the exclusive jurisdiction of the Courts of Jersey. Nothing in this clause deprives a Client who is a consumer of the protection of any mandatory provisions of the law of the country in which they are habitually resident.

16.7 Save in respect of the Company's agents, employees and contractors, a person who is not a party to these Terms shall have no right to enforce any of them.

16.8 The Client acknowledges that they have been given sufficient time to seek legal advice before accepting these Terms.

Schedule 1: Session details

The Company: Catherine Morgan Limited, trading as The Money Panel

Practitioner: Catherine Morgan

Registered in: Jersey, Channel Islands

Company number: 137407

Registered office: 1-3 Colomberie, St Helier, Jersey

Email: hello@catherinemorgan.com

Payments collected by: The Money Panel Ltd

Delivery. Each Session is one private, one-to-one session lasting 90 minutes, delivered online by Zoom.

I Know I Need To Look At It. For clarity, understanding and next steps in relation to a financial decision or an area of the Client's financial life. Includes the personalised Money Next Steps Dashboard.

Worthy Of More. For working with inherited beliefs and patterns in relation to what the Client earns, receives, spends or keeps. May draw on Inherited Family Trauma tools based on the work of Mark Wolynn. Includes the personalised Worthy Of More Map.

What's Getting In The Way. For working with what arises when the Client attempts to take a financial action they have already decided upon. May draw on EFT, Matrix Reimprinting, energy work or gentle parts work. Includes a personalised Priming Practice or Money Parts Map.

All Three. One of each of the above, to be booked and delivered within six months of purchase.

Preparation. Following payment, the Company will send the Client a pre-session form and a link to book. The form takes approximately ten minutes. Approximate figures are sufficient.

Notices. All notifications regarding the Sessions shall be sent by email.

Schedule 2: Fees

Currency. Fees are stated in pounds sterling. The Client may pay in US dollars where that option is offered at checkout, at the USD equivalent applying at the date of purchase. The Company may vary the USD equivalent from time to time to reflect prevailing exchange rates. The sterling amount is the contractual Fee.

The Fee is payable in full in advance. No payment plan or instalment option applies.

The Company may vary its Fees at any time. The Fee applying to any purchase is the Fee displayed at the point of purchase.