Terms of Use – Credit Cards Course

Terms of Use: Pay Off Your Credit Cards Course

By checking the box next to this Terms of Use, and clicking the “Purchase” button, you, the purchaser of the “Pay Off Your Credit Cards” Course outlined below (hereinafter “Client”) agree and willingly purchase entry into this program to be provided with services rendered by Mandyy Thomas, acting as an individual and as part of Mandyy Thomas Life Coaching, a Saskatchewan Sole Proprietorship (hereinafter “Coach”), and you agree you are voluntarily entering into a legally binding Agreement with Coach, inclusive of the following terms and conditions mutually agreed upon:

For good and valuable consideration of $499.  Client has agreed to purchase the “Pay Off Your Credit Cards” Course (hereinafter “Program”). In exchange, Coach agrees to provide the services outlined in the Program Details below, and Program Outline Addendum attached hereto.

  1. Program Outline:
  2. Client agrees and understands that he/she is purchasing an online course that is designed to help you speed up getting your credit cards paid off. The course modules will be available immediately after purchase in the form of six (6) video modules and instructional guides.
  3. Program will include:
    1. Six (6) pre-recorded video modules with PDF guides that provide information on how to pay off credit cards in an efficient manner;
    2. Information on how to track their spending via mint.com, or via a manual budgeting spreadsheet included within Program. Client will be asked to manually input his/her spending transactions as part of the Program participation. (Client understands that if they are using the manual budgeting spreadsheet, some information regarding how to utilize www.mint.com may not apply to them).
    3. Basic ways to reduce expenses or to save money, to have more money available to use for increasing credit card debt re-payments.
    4. Money mindset tips on how to reduce overspending and how to get spending in alignment with financial goals.
    5. Basic suggestions of how to increase income.
    6. Basics of things you can implement to protect your credit such as how to reduce the chances of your credit card information being stolen, reminders for paying your credit card bill, being careful about credit checks and how to back up your digital information.
    7. How to organize and plan for bigger or unanticipated monthly expenses.
    8. Tips on how to use a pay raise to best support debt repayment goals.
    9. Access to private Facebook group with limited access to Coach to ask questions.
  4. Program is self-paced and in DIY format, and does not include one on one access to Mandyy Thomas, other than limited interaction via the private Facebook group. If client desires 1:1 access to Coach, Client understands he/she will need to contact Coach about purchasing a VIP upgrade, which does allow 1:1 access to Coach.
  5. Client acknowledges that he/she has read the Program Outline Addendum and conducted any additional research necessary to feel he/she understands what is being provided in Pay Off Your Credit Cards Course as well as what is not included. Client agrees to be bound by the terms and conditions outlined herein, as well as the general policies and procedures that can be found in this Agreement and on Coach’s website.
  6. Client also understands he/she may have access to bonuses depending on Coach’s promotions, and the time frame during which Client purchased. Coach may choose to run promotions for Program, including but not limited to adding bonuses, decreasing price, adding payment plans, or other similar promotions. Client understands any such promotions or bonuses are completely at the sole discretion of Coach; Coach is not under any obligation to continue or run any promotion or bonus for a certain duration of time. Client understands he/she is agreeing to the Program as stated above, and understands he/she may or may not be entitled to additional bonuses based upon time of purchase.

 

  1. Non- Disclosure
    1. Client understands he or she is purchasing the Pay Off Your Credit Cards Course with Coach; one of the primary elements in engaging in a coaching relationship with Coach is his/her ability to provide Client with personal guidance, teachings, materials, and exercises that make up the program. Following Client’s participation in this program, Client will have gained access to various trade secrets and personal intellectual property of Coach, including but not limited to materials such as verbal advice, mindset guidance, written templates, modules, technical information, business advice, and/or other information that may have become available for use through Client’s participation in the program. Client understands and acknowledges that this information is not to be openly shared with others who have not participated in Coach’s program. Client agrees not to share, copy, or distribute any documents or other proprietary information obtained through Program, and agrees that he or she will be in violation of these Terms of Use if he or she uses any of the Content outlined as his/her own material, or repurposes and uses the Content in his/her own coaching business without express written permission of Coach. Client also understands and agrees he/she will not disclose or use any information provided to Client during coaching sessions, discussions, or otherwise.
    2. Client also understands that due to the “group” nature of the Program, he/she may also obtain access to or otherwise become exposed to confidential or proprietary information belonging to other clients within the same group program via the private Facebook group available to all members. Client understands and agrees he/she will not disclose, steal, use, distribute, copy, or otherwise share or use any proprietary or confidential information belonging to another client in the group program. Client understands if he/she violates this provision, he or she may be liable to the third-party group member for infringement. Client will hold Coach harmless from any such third-party action taken against Client for such infringement or disclosure.
    3. In addition, Coach understands he/she will likely obtain confidential information about Client and his/her business throughout the course of the program, and hereby agrees not to use, share, or otherwise reveal this information about Client, without Client’s express written consent.

 

  1. Testimonials
    1. Coach may request Client provide a testimonial to be published on Coach’s website, or on various sales materials for this or another Program created by Coach. Client understands that he or she is not required to give any testimony, and understands that the choice to do so is freely up to Client. There will be no ramifications or change in relationship between Coach and Client if Client refuses testimonial.
    2. If Client accepts and provides Coach with a testimonial, Client understands the material, along with a photo of Client, will likely be published on Coach’s website or otherwise. Should Client agree to provide a testimonial, Client will agree to review and sign an additional Release, confirming same, and confirming Coach’s rights to use Client’s testimonial. No payment or additional services will be provided in return for Testimonial, and Client understands he or she is granting Coach an unlimited, irrevocable license in perpetuity to use, publish, distribute, or repurpose any information provided to Coach as part of a Testimonial.

 

  1. Payment
    1. Client understands the cost of the program is $499 which is payable up front, in full, unless a payment plan has been offered by Coach, or otherwise arranged between Coach and Client. Client agrees to render payment via PayPal or Credit Card Client understands he/she is responsible for the full payment and agrees to pay the sum requested electronically, via Coach’s website or a designated third party payment processor of Coach’s choosing, in full. Absent an agreement regarding a payment plan with Coach, Client must complete payment in full before becoming entitled to any products or services included within Program.
    2. If Coach has offered a payment plan, Client agrees to abide by the rules and payments as explained on Coach’s sales page. Should Client fail to make timely payments, or if additional payments are not able to be processed, Client understands: (1) the remainder of the Program may be forfeited, and (2) the Client may be locked out and unable to access the rest of Program if payment is not made within four (4) days of the date it is due. Client understands they will not be able to access the entire Program until the remaining payment(s) have been made.
    3. Coach reserves the right to cancel or cease working with Client should he/she fail to make additional payments in accordance with the payment plan as agreed upon at the beginning of the Program. Should this occur, Client understands she is not entitled to a refund of funds already issues to Coach in exchange for work completed thus far, and it is up to the sole discretion of Coach whether Client is to have continued access to any materials made available to Client during the Program up until payments were missed.
    4. If Client and Coach have not agreed upon a payment plan, Client understands one is not available, and agrees to provide payment in full, upfront, in the manner(s) designated on Coach’s sales page.
  2. Refund Policy
    1. Due to the subjective nature of the Program provided by Coach, and Coach’s inability to control Client’s availability, motivation, external forces, financial situation, or level of engagement in Program, Coach is not able to offer refunds once Client has purchased the program. However, Coach believes deeply in the quality of content that has been put into Program, and that if Client does the work, he/she will see results. If Client is unhappy with purchase and has done the work, Client may submit his/her homework and proof of trying, within five (5) days of enrollment into the course, to mandyy@mandyythomas.com and Coach will process a refund minus payment collection fees.
    2. If Coach is somehow unable to provide services as outlined on sales page, regardless of Client results, Coach or his/her team will be in touch regarding rescheduling, and/or discussing an alternative form of services, in order to fulfill obligations. If Coach is not able to reschedule, and no suitable alternative form of service is available, Client may be entitled to a partial refund, depending on the amount of work Coach and Client were able to complete. If partial services were performed, Coach and Client may come to an agreement whereby a partial refund is issued, at Coach’s discretion.
    3. Client acknowledges that he/she will be taught how to use a third party tracking system, mint.com and the Debts Break app, and that the Client is not eligible to receive a refund if they decide after purchase, that they do not want to use these systems or their bank does not sync with Mint and they choose not to use the manual budgeting spreadsheet that has also been provided.

 

  1. Disclaimer
    1. Client understands that he or she must actively participate in the full Program in order to see results. While many of Coach’s past and current clients have experienced wonderful benefits from the Program, and Coach and his/her team will act in their full capacity to ensure your success and happiness in the Program, Coach cannot guarantee results of the Program, and cannot make any representations or guarantees regarding individual results. Coach does not guarantee or warrant any specific results, reduced debt, paid off debt, increased credit score or increased income. The testimonials that are shared may not be typical for all Clients. The work one puts into this course, will be a reflection of the success of the course. The information here is provided for Client to choose to implement it into Client’s life, which means that Client results are a reflection of the work that Client puts into Program. Client will hold Coach and Program harmless if he or she does not experience the desired results.
    2. Client understands that all services provided by Coach in connection with the Program being purchased are provided on an “as is” basis, meaning it is without any guarantees, representations, or warranties, including but not limited to warranties relating to quality, non-infringement, fitness for a particular purpose, merchantability, or expectation or course of performance. Client is choosing to purchase this Program and work with Coach on a purely voluntary basis and does not hold Coach or Program responsible should Client become dissatisfied with any portion of the Program.
    3. Client agrees that he/she does not have a cause of action, legal remedy, and is not entitled to a refund should he/she not achieve the results desired following completion of the program, as long as Coach delivers the Program as described in Paragraph 1 above, or similar substitutes, upon additional agreement by Coach and Client.
    4. Client also understands Coach is not a doctor, nurse, registered dietician, lawyer, financial adviser, psychic, licensed therapist, or otherwise, and agrees to hold Coach harmless should any physical, emotional, or financial injury occur as a direct or indirect result of the Program. The content provided by Coach on his/her website and within the Program is comprised of information that has worked for Coach and other clients, and may or may not be useful to Client in his/her personal business or life. Client understands Coach cannot guarantee results from this Program, and has no expectation of a specific result that he or she holds Coach responsible for.

 

  1. Intellectual Property
    1. Client agrees and understands that Coach has created numerous original, creative works in connection with the Program, and agrees that Coach maintains all copyrights and other intellectual property rights in all original or derivative content associated with or included in the Program, whether created prior to working with Client or specifically for Client, including but not limited to: documents, charts, emails, graphs, products, systems, processes, handouts, worksheets, copy for website or sales pages, and any other original work created by Coach. Client agrees she may be granted a limited right to use selected materials in the course of his or her own business, but understands that the original proprietary rights remain with Coach. Nothing in this Agreement shall constitute a transfer of ownership of any Intellectual Property from Coach to Client, nor grant any license to use the information, other than that which is expressly provided throughout the course of the Program.
    2. Client agrees and understands he/she is not to copy, repost, alter, publish, sell, assist others in selling, manipulate, distribute, or in any way exploit any of the content or intellectual property provided by Coach or obtained through working with Coach, without Coach’s express written consent. If such behavior is discovered or suspected, Coach reserves the right to immediately end Client’s participation in the Program without refund, as well as access to any program or materials Client may have purchased, without refund, and reserve the right to prosecute any actionable infringement or misuse to the full extent of the law.
    3. Licensee Rights: Coach’s Limited License to Client: Client understands that in purchasing the Program, she/he is gaining access to view all content and information available as part of the Program, as well as any additional information or content shared with him/her by Coach as she sees fit. Client understands this means he/she will have been granted a limited, revocable, non-transferrable license to read and use the information provided for use in his/her business and life, as instructed or allowed by Coach. As a “Licensee,” Client understands and agrees that Client will not:
      1. Copy, edit, distribute, duplicate or steal any information or any Content obtained through Program without written permission by Coach;
      2. Post, distribute, copy, steal or otherwise use any portion of the Program or its content, or information obtained via other members in the group Program without written permission by Coach, and understand that any such use may constitute infringement, which may give rise to a cause of action against Client.
  • Claim any content created by Coach as part of the Program or otherwise given to Client is his/her own, meaning he/she cannot claim any content created by Coach was Client’s work, and use in his/her business as his/her own.
  1. Share purchased materials, information, content with others who have not purchased them.
  2. Client further acknowledges and understands that any such actions including but not limited to those outlined above will likely constitutes infringement and/or theft of our work, and a violation of this Agreement and United States Federal laws.

 

  1. Indemnification
    1. Client agrees at all times to defend, fully indemnify and hold Coach and any affiliates, agents, team members or other party associated with Coach harmless from any causes of action, injury, illness, misunderstanding, damages, losses, costs, expenses incurred as a result of Client’s use of Program, as well as any third-party claims of any kind (including attorney’s fees) arising from his/her actions as a direct or indirect result of Client’s participation in Program. Should Coach be required to defend herself in any action directly or indirectly involving Client, or an action where we decide Client’s participation or assistance would benefit Coach’s defense, Client agrees to participate and provide any evidence, documents, testimony, or other information deemed useful by Coach, free of charge.

 

  1. Dispute Resolution
    1. Should a dispute arise between Coach and Client, the parties agree to attempt to resolve by good-faith negotiations and discussions. (Client agrees that failure to see results is not a basis for a “dispute” and agrees he or she does not hold Coach responsible for any specific results, or those results which have been achieved by other clients of Coach.)
    2. If unable to reach a resolution informally, Client and Coach agree that all disputes will be submitted for Arbitration by the American Arbitration Association, to be completed in Regina, Saskatchewan, Canada within a reasonable amount of time. Client and Coach agree to participate in the arbitration process in good faith and in a manner that will effectively and efficiently resolve the dispute at hand, including the exchange of any materials, documents, or information. The decision made by the arbitrator is to be final and binding on both parties, and is not to be appealed or otherwise set aside. It is to be enforceable in any court of proper jurisdiction as a judgement of law or decree.

 

  1. Applicable Law
    1. This Agreement shall be governed by and under control of the laws of Saskatchewan regardless of conflict of law principles, and regardless of location of Client. Client understands this and agrees that the laws of Saskatchewan are to be applicable here.

 

  1. Amendments
    1. This agreement is not to be altered, amended, changed, extended, or considered waived without execution of an additional addendum signed by both Client and Coach, or a party authorized to sign on behalf of either party.

 

Client has carefully read this Program Outline and acknowledges that he/she is aware of what is, and what is not included within this Program. Client is aware that this Program Outline includes EVERTYHING included within the Program. If Client expected additional information, products, services, or other information to be provided in this Program but does not see it here, Client understands it may not be included. Coach is under no obligation to provide anything other than what is listed above, with the exception of updated or ever-changing Bonuses offered for limited periods of time. No edits or amendments may be made to this Program Outline Addendum without express written consent of both parties.

By completing the online purchase and being charged the amount listed above, Client confirms he or she has reviewed this Program Outline, completed any and all appropriate additional research, and asked any and all necessary questions of Coach and his/her team in order to feel appropriately educated of the Program and product/service being offered. Client understands he or she will not be entitled to a refund once completing this purchase for any reason, other than as discussed above.