Legal Issues That Need to be Addressed


Many small businesses are so busy making a living that they ignore protecting their business from legal attacks.

There are several areas you need to investigate to make sure that you and your business are fully protected.

The following are some areas you need to check that you are fully covered.

Client Agreement

If your customers ask for refunds, or miss payments and ask for chargebacks? Do you know what protection you have?

If you have ever had a client ask for a refund, fail to make a payment, or threaten a chargeback, you know how frustrating and disappointing that can be.

You obviously need to make sure your clients stay happy with your services. But you must also protect the money sitting in your bank account. To ensure this you need to make all transactions as hassle free as possible.

It is essential to have a signed Client Agreement (with every customer) before any money changes hands.

By defining your business policies and your boundaries, and both of you agreeing to them in writing, you establish your legal position as the CEO of your business.

This helps to set your business relationship with trust, clarity, and creates open communication.

Your Client Agreement defines:

  • what the program includes
  • the length of the program
  • the fees and the payment options
  • the refund and termination policy
  • communications and support
  • the client and coach responsibilities
  • confidentiality terms
  • the copyrights and intellectual property rights
  • how any conflicts are to be resolved
  • several protections that limit your legal responsibility

The agreement clarifies what is expected of you and your customer and explains how your business is run.

In the case that you receive a refund request, a skipped payment, or a threat of chargebacks, then it is your Client Agreement that dictates how it will be resolved.

Privacy policy

If you have a website you need a Privacy Policy. This document tells your website visitors how you collect, use, share, store and protect their personal information. And how they can opt-out.

Note this is required by law! If you collect people’s personal info on your site (think: contact form, opt-in, etc.) you need to communicate what you are doing with that information. If you do not have a Privacy Policy and you get caught, the fine can be $2500 per visitor.


This document tells everyone exactly what you do, and what you do not do in your business. It notifies them that you are not legally responsible for any actions they take and instead, they are responsible for their own actions.

Your disclaimer protects you from anyone using the content on your website and in your programs the wrong way and then blaming you if they have negative results.

Terms and conditions

These set up all the ground rules for your website and help your business run smoothly and safely. They protect your brand and your original content with copyright and intellectual property sections. They set up guidelines for how any conflicts in your business will be handled. And they limit your potential responsibility for any visitor’s results.

To give you peace of mind and security, knowing you have clear rules to navigate every possible scenario.

Affiliate marketing

If you advertise any products on your website and you receive commissions on any sales then you are an affiliate, so you need to make sure that anyone who clicks on a link knows that.

Here is a sample you can use on your website.

Affiliate Disclaimer:

Please note that some of the links inside this content may be affiliate links. That means that if you sign up from the links, i will get an affiliate commission. I will very appreciate it if you sign up from those links! The little commission may keep this site running smoothly and motivate me to keep producing this high-quality content.

Let me know if you have any comments or suggestions.

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