Here Now Advisory delivers a structured written analysis — the Clarity Strategy Memo™ — to help you organize your thinking and evaluate your options. It is not legal, financial, or career advice. Once your memo is delivered, fees are non-refundable. If you need to cancel before submitting your intake form, you may do so within two Business Days for a full refund less a $150 administrative fee. The Frame + The Move and The Full Sprint clients receive one live advisory session in addition to the memo. This agreement is governed by Indiana law.
Here Now Advisory provides structured Decision-Support Analysis only. "Decision-Support Analysis" means a structured analytical framework designed to help Client organize existing information, identify decision variables, and evaluate options based on Client's own inputs. It does not involve independent investigation of facts, verification of Client-provided information, or the exercise of professional judgment regulated by any licensing authority.
Critical disclaimer: Nothing delivered under this agreement constitutes legal advice, financial advice, investment advice, career counseling, psychological counseling, or therapy. Advisor is not a licensed attorney, financial advisor, psychologist, or career counselor. Client is solely responsible for all decisions made in reliance on the services delivered. Advisor expressly disclaims any liability for the outcome of decisions made by Client.
If your decision involves legal, financial, tax, psychological, or medical considerations, you should consult a licensed professional in the relevant field before acting.
The Clarity Strategy Memo™ is produced using a proprietary scoring framework developed and maintained by Advisor. AI language tools are used as one component of the analytical process, operating under Advisor's framework and reviewed by Advisor prior to every delivery. The analysis, interpretation, and recommendations reflect Advisor's methodology — not AI-generated output. Advisor does not use Client intake responses to train AI models or any third-party machine learning system.
Your intake responses are processed by AI tools in order to produce your memo. By completing the intake questionnaire and submitting payment, you provide affirmative consent to this AI-assisted processing. You will be asked to confirm this consent separately at the intake stage via a dedicated acknowledgment checkbox.
All fees are due in full at checkout via Stripe. No work begins until payment is received and confirmed.
Client must submit the completed intake form within seven (7) calendar days of payment. If not submitted within this window, Advisor reserves the right to close the engagement, retaining a $150 administrative fee with the remainder refunded.
Once the Clarity Strategy Memo™ has been delivered, all fees are non-refundable regardless of whether Client uses the memo, agrees with its analysis, or elects to forgo any remaining deliverables (including The Move session for The Frame + The Move clients and The Full Sprint session for The Full Sprint clients).
If Client requests cancellation after payment but before the completed intake form has been submitted, Client is entitled to a full refund less the $150 administrative fee within two (2) Business Days. Once the intake form is submitted and work has commenced, no refund is available.
Client may upgrade to a higher Tier within thirty (30) days of memo delivery by emailing crystal@herenowadvisory.com. Advisor will invoice the difference; upgrade is confirmed upon payment. No revised memo is produced — the existing memo serves as the pre-read. After thirty (30) days from memo delivery, the engagement is closed and no upgrade is available.
Client may request a downgrade before intake submission. The difference will be refunded within two (2) Business Days. No downgrade is permitted after intake submission.
In the event Client initiates a payment dispute or chargeback after delivery of the Clarity Strategy Memo™, Advisor reserves the right to submit this Agreement, intake records, and delivery confirmation as evidence in any dispute resolution process, and to pursue recovery of any amounts reversed, including reasonable costs of collection.
Advisor will deliver the Clarity Strategy Memo™ within five (5) Business Days of receiving Client's completed intake form. For The Frame + The Move and The Full Sprint, Client is responsible for scheduling their advisory session via Advisor's online scheduling link within fourteen (14) Business Days of memo delivery.
Client agrees to:
The Here Now Advisory scoring framework, algorithm, methodology, all proprietary indexes (OI, CPI, RMI, PEI, ODS), the Clarity Strategy Memo™ template and format, and all related materials are the exclusive intellectual property of Crystal & Co. Studio, LLC.
Upon full payment, Advisor grants Client a limited, non-exclusive, non-transferable license to use the delivered Clarity Strategy Memo™ for Client's own personal, non-commercial decision-making purposes only.
Client may not:
Following the conclusion of your engagement, Here Now Advisory may occasionally contact you at the email address provided at checkout with relevant updates, resources, or information about the practice. All such communications will be sent from crystal@herenowadvisory.com and will identify the sender as Here Now Advisory, Crystal & Co. Studio, LLC, 30 N Gould St Ste N, Sheridan, WY 82801.
You may opt out at any time by using the unsubscribe mechanism in any such communication or by emailing crystal@herenowadvisory.com. Opt-out requests will be honored within ten (10) Business Days. Your email address is never sold, licensed, or shared with any third party for marketing or any other purpose.
In no event shall Advisor be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to lost income, lost profits, lost employment, business losses, or any other economic harm. Advisor's total cumulative liability to Client shall not exceed the total fees paid by Client under this Agreement.
This Agreement is governed by the laws of the State of Indiana. Any court proceedings not subject to arbitration shall be brought exclusively in the state or federal courts located in Indianapolis, Indiana.
Before initiating arbitration, the disputing Party must provide written notice of the dispute and a thirty (30) day period to resolve the matter informally. Any unresolved dispute shall be submitted to binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, in Indianapolis, Indiana or by remote hearing. The arbitrator's decision shall be final and binding.
Client waives any right to bring or participate in any class action, collective action, or representative proceeding. All disputes must be brought in Client's individual capacity only.
Questions about these terms? Contact Here Now Advisory at crystal@herenowadvisory.com before submitting your assessment.
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crystal@herenowadvisory.com