Terms  &  Conditions

Thank you for Making Money Sense by JOjo Murwira part of your financial plan.   We look forward to serving your needs! To help guide our relationship, we ask that you review the information below. 

Scheduling Appointments

​To schedule an appointment, please use the scheduling platform indicated on the website.   We understand that your time and resources are extremely valuable, so we ask that you honor your scheduled appointment time. If you need to reschedule, just let me know 24 in advance. Appointments can be rescheduled but not canceled.

All appointments are via video meetings or phone calls. No physical meeting is offered.  Payment is upfront upon scheduling paid sessions. 



Refund Policy

We do not offer refunds for my  coaching services as I am a fee-for-time service.  I   promise that you will get out of the coaching session what you put into it.

Coaching Services

I  assume the responsibility of understanding and evaluating your current needs, goals, and resources in order to develop a strategy to meet your objectives.   However, in order to make your plan work, we expect that you will come prepared
to take the steps necessary to succeed, take full responsibility for your plan and its implementation, and contact us when you need additional advice and direction.


You are asked to complete preliminary paperwork to better prepare your coach. We ask that these forms be filled out to the very best of your knowledge and ability prior to your scheduled appointment. You assume all responsibility for
providing accurate and complete materials, documentation, and facts upon which our coaching may be based. 

Confidentiality  Policy

We will keep completely confidential all matters discussed, facts revealed, and the nature and content of all documents you provide to me or I generate.  I    will reveal such matters only upon receipt of a written authorization and clear, verifiable instructions from you telling us exactly what we may reveal.


Coaching is designed to give you accurate and authoritative information with regard to the subject matter covered. We are not authorized to render legal, accounting, or other professional advice. Since your situation is fact-dependent,   you must additionally seek the services of an appropriate licensed legal, accounting, or investment service.

Geneva, 30.09.2020