Please read these Terms and Conditions (“Terms”) carefully before using www.thewealthconversation.com or signing up for any coaching sessions, events or products operated and or organised by The Wealth Conversation Ltd (hereinafter referred to as “The Wealth Conversation, “site”, “Services”, “us”, “we”, “our” or “The Company’’).

Your (hereinafter referred to as ‘’The Client’’ or ‘’you’’) access to and use of the Services is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who access or use the Site or Services.

By accessing or using the Site or Services you agree to be bound by these Terms. If you disagree with any part of the terms then you may not access the Services.

Content
All content on the website is owned exclusively by us, and may not be copied, reproduced, or shared in a way which suggests it belongs to anyone other than us. Quotes may be extracted from content on this site in the event that explicit permission is sought from us, and adequate credit is displayed.

Links To Other Web Sites
Our Services may contain links to third-party web sites or services that are not owned or controlled by us.

The Wealth Conversation has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree we shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such web sites or services.

FCA & Affiliates
The Wealth Conversation Ltd may receive financial compensation from a merchant if a reader chooses to purchase goods/services via links on this website. You are in no way obligated to make any purchases and there is no additional cost to the reader by using these links. We are always honest in our opinions and will only recommend products or services that we have either used ourselves, or that we believe could be of benefit to readers. The Wealth Conversation Ltd is not regulated by The Financial Conduct Authority (FCA).

Changes
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will try to provide at least 30 days’ notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

Carrying out the services
If you are a customer, you have protection under consumer rights legislation, including that the services must be carried out with reasonable care and skill.

We shall carry out the services within the time period which is set out in the relevant programme or services description.

All coaching sessions (including rearranged sessions) must be taken within the timeframe specified in the programme description or services description or they will expire.

The Client can rearrange private coaching sessions during a coaching programme providing they give at least 48 hours’ notice. If you give less than 24 hours’ notice, fail to turn up for a session or have already rearranged 1 or more sessions in a coaching programme, you may be deemed to have taken the session and you will not be able to reschedule it or entitled to any compensation for missing it.

All sessions take place remotely via the means of communication agreed with you in advance. There may be an additional charge for face to face meetings.

Please note that we may record our calls, for training purposes and administration purposes and by entering into this contract you consent to the recording of our calls for these purposes.

The carrying out of the services might be affected by events beyond The Company’s reasonable control. If so, there might be a delay before services can restart. The Company shall make reasonable efforts to limit the effect of any of those events, The Company shall keep you informed of the circumstances and shall try to restart the services as soon as those events have been resolved. Examples of events which might be beyond The Company’s reasonable control include illness, IT issues and problems with internet connectivity or if you change the services you require from The Company and extra preparation is required.

Your responsibilities
The Client will pay the price for the services in accordance with the programme, events or services description.

The Client will provide The Company with such information and assistance (and ensure that any information is complete and accurate) as reasonably needed to provide the services.

The Client and The Company’s representative shall agree on a method of communicating with each other between sessions and adhere to that method.

Coaching is not therapy or counselling. It may involve all areas of your life. The Client acknowledges that deciding how to handle any issues, which may arise, the choices you make in relation to them and whether or not you follow through on any agreed action is exclusively your responsibility. For this reason, although we fully expect great results to come from our coaching sessions, we cannot guarantee any specific outcomes or that all clients will achieve the same results. The results are entirely dependent on your commitment and the effort you put into the programme and the actions we agree.

The Company’s role is to offer you guidance and accountability and help you make positive lifestyle changes in order to make progress towards your goals. The information provided to you is not medical advice and is not intended to take the place of seeing licensed health professionals.

Coaching does not treat mental disorders and is not a substitute for counselling, mental health care or medical treatment of any kind. By entering into this agreement, you confirm that you will not use it in place of any form of counselling, therapy or medical treatment.

If you are currently receiving treatment from a doctor or other healthcare professional, by entering into this agreement you confirm that you have consulted with this person regarding the advisability of working with a coach and that this person is aware of and supports your decision to proceed with the coaching programme described in the relevant programme or services description.

The Client will keep us informed of any changes to your medical health or personal circumstances.

Charges and payment
The price for our services and events are set out in the programme, services description, webpage of the related service, verbally or electronically.

Usually, we require full payment in advance in order to provide the services, or before you can attend the event whichever is applicable. For some programmes or services, we may agree to payment by instalments, in which case a supplementary fee will be chargeable. The relevant programme or services description will state if we have agreed to accept payment by instalments. If we agree to accept payment by instalments and you fail to make any of the instalment payments on the due date then we shall invoice you immediately for the whole of the outstanding balance and payment for that invoice will be due by return.

Upon execution of this Agreement, the Client shall be responsible for the full extent of the Fee. If the Client cancels attendance of the Programme for any reason whatsoever, the Client will receive no refund.

Where the Company cancels an event, the Client is entitled to a full or partial refund on the amount you paid for your ticket. In the event that we cancel a programme, you are entitled to a full or a partial refund for sessions which you have paid for in advance and which you have not received.

Where we postpone an event due to reasons outside of our control, your payment will be held as credit where you may redeem against the new date of the event, or any other coaching services offered by The Wealth Conversation.

In all other circumstances, we are not able to refund to you any of the payments you have made for any of our events/services.

We are not able to offer a refund on any payments you have made for a programme, even where you do not complete your sessions with us, as payment is for the programme as a whole, not individual sessions. This is due to the amount of preparation we need to put into the programme to make it most effective for you and the amount of time we shall dedicate and set aside for preparing for and attending our sessions together. This policy also helps you with your own accountability and commitment to improving your life through our coaching programme.

In view of the Company’s clear no-refund policy, we do not tolerate any type of chargeback threat or actual chargeback from the Client’s credit or debit card company. In the event that a chargeback is placed on a purchase or we receive a chargeback threat during or after your purchase, or after the end of the cooling off period if you are a consumer, we reserve the right to report the incident to credit reporting agencies or to any other entity for inclusion in any chargeback database or for listing as non-payment on your account which could have a negative impact on your credit rating.

Payment is via the invoice following this contract or as agreed between us.

Intellectual property
If we provide you with any materials, whether digital or printed, any intellectual property in those materials belongs to the Company and unless we agree otherwise you can only use those materials for your own personal use and you may not share them with third parties.

How we may use your personal information
We shall use the personal information you give to us to:

provide the services;
process your payments for the services; and
Inform you about any similar products and services that we provide though you may stop receiving this information at any time by contacting us.
All information shared by you will be kept strictly confidential, except when releasing such information is required by law and/or where we consider it necessary to do so because of concerns of risk to yourself or others.

We shall not give your personal information to any third party unless you agree to it.

Confidentiality
All information shared by you will be kept strictly confidential, except when releasing such information is required by law and/or where we consider it necessary to do so because of concerns of risk to yourself or others.

Where you participate in any group sessions, for example as part of a group coaching programme, you agree to keep strictly confidential any information shared by participants in those group sessions and not to share it with any third parties. You will not use the confidential information of any participant of a group session for your own benefit except with the explicit consent of that participant.