1. INTRODUCTION

Welcome to www.coachtrainingandtools.com (the “Website”). The Website is owned and operated by Coach Training and Tools (“Company”, “we”, or “us”). These Terms of Use govern your use of the Website and all related services offered by us through this Website.

PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THE WEBSITE. By using the Website, you signify your agreement to these Terms of Use. If you do not agree to these Terms of Use, you may not use the Website. In addition, when you use any of our services, you will also be subject to our guidelines, terms, conditions, and agreements applicable to those services. If these Terms of Use are inconsistent with those of other services, these Terms of Use will control.

2. PRIVACY AND YOUR ACCOUNT

Please review our Privacy Policy, which also governs your visit to the Website, to understand our privacy practices.

We may offer services and products for individuals of all ages; however, all transactions must be conducted by adults who can purchase using a credit card or other accepted payment methods. If you are under 18, you may use the Website only with the involvement of a parent or guardian. We reserve the right to refuse service, terminate accounts, remove or edit content, or cancel orders at our sole discretion.

3. CONSIDERATION

You agree that these Terms of Use are supported by reasonable and valuable consideration, including, without limitation, your access to and use of the Website, and the data, materials, and information available through the Website.

4. RESTRICTIONS ON USE; LIMITED LICENSE

All content on the Website (collectively, “Content”), including but not limited to text, graphics, logos, icons, images, audio and video clips, digital downloads, data compilations, and software, is the property of Coach Training and Tools or our licensors and is protected by South African and international copyright laws.

Any trademarks, service marks, logos, or trade names (each, a “Mark”) used on the Website are proprietary to us or our licensors. These Marks may not be used in connection with any product or service that is not ours in any manner that could cause confusion or disparage us or others.

We grant you a limited license to access and make personal use of the Website. This license does not include the right to resell or use the Website or its Content for commercial purposes. You may not copy, modify, distribute, download, or transmit any part of the Website without our express written consent. Unauthorized use terminates the license granted to you under these Terms.

5. USE AND PROTECTION OF PASSWORD AND ID

We may assign you a password and account ID to access certain areas of the Website. You are responsible for maintaining the confidentiality of your password and account information. Any access to and use of the Website using your assigned password and ID is your responsibility, and we are not liable for any unauthorized access.

If you become aware of any unauthorized use of your password or account, you must notify us immediately. You remain responsible for any actions conducted using your assigned password or ID.

6. SYSTEM REQUIREMENTS

Certain areas of the Website may require Internet access, specific software, and compatible devices. It is your responsibility to ensure that you have the required system and software updates to use the Website. We are not liable for any issues related to system compatibility or additional costs incurred.

7. SUBMISSIONS

You may submit content such as reviews, comments, or suggestions to us, provided that the content is not illegal, defamatory, or harmful. By submitting content, you grant Coach Training and Tools a perpetual, royalty-free, and transferable license to use, reproduce, modify, and distribute the content for any purpose. You represent that you own or have the right to post the content, and you agree to indemnify us for any claims arising from the content you submit.

8. CONTENT LINKED TO THE WEBSITE

The Website may contain links to third-party websites. These websites are not under our control, and we are not responsible for the content or privacy practices of such third parties. You should review the terms and policies of any linked website before interacting with it.

9. DISCLAIMER OF WARRANTIES

The Website and its Content are provided "as is," without any warranties of any kind, either express or implied. We do not warrant that the Website will be available or error-free. You use the Website at your own risk. Coach Training and Tools disclaims all warranties, including implied warranties of merchantability and fitness for a particular purpose.

10. INDEMNIFICATION

You agree to indemnify and hold harmless Coach Training and Tools, its licensors, affiliates, and employees from any claims, damages, or liabilities arising out of your use of the Website or any breach of these Terms of Use.

11. LIMITATION OF LIABILITY

Coach Training and Tools will not be liable for any direct, indirect, incidental, or consequential damages arising from your use of the Website or any content, products, or services provided. In no event shall our total liability exceed the amount paid by you for access to the Website.

12. COPYRIGHT COMPLAINTS

If you believe that your work has been copied and is being used in a way that constitutes copyright infringement, please notify us in writing at the contact information provided in the Contact Us section.

13. AMENDMENTS

We reserve the right to change or update these Terms of Use at any time. Changes will be effective upon posting on the Website. Your continued use of the Website after any changes indicates your acceptance of the new terms.

14. TERMINATION

These Terms of Use remain effective until terminated by you or us. You may terminate your agreement to these Terms by discontinuing use of the Website. Coach Training and Tools reserves the right to terminate your access to the Website at any time without notice.

15. APPLICABLE LAW AND DISPUTES

These Terms of Use shall be governed by and construed in accordance with the laws of South Africa. Any dispute arising from these Terms or your use of the Website shall be subject to the jurisdiction of the courts in South Africa.

16. ELECTRONIC COMMUNICATIONS

By using the Website, you consent to receive electronic communications from us, such as notices, updates, and promotional materials. You agree that such electronic communications satisfy any legal requirement that communications be in writing.

17. MISCELLANEOUS LEGAL PROVISIONS

If any provision of these Terms of Use is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. These Terms of Use constitute the entire agreement between you and Coach Training and Tools regarding your use of the Website.

WAIVER AND INDEMNITY POLICY

1. INTRODUCTION
By participating in coaching services provided by Coach Training and Tools ("Company", "we", or "us"), including any courses, programs, workshops, webinars, or individual coaching sessions (collectively, the "Services"), you agree to the terms of this Waiver and Indemnity Policy ("Policy"). This Policy applies to all clients, users, and participants ("you" or "your") of the Services.

2. ASSUMPTION OF RISK
You acknowledge that participation in coaching, personal development, or empowerment sessions involves risks, including but not limited to physical, emotional, psychological, or financial outcomes. By voluntarily participating in the Services, you accept and assume full responsibility for any risks of harm or injury that may occur. You agree that you are fully responsible for any decisions you make during or after the coaching sessions and that coaching does not substitute for professional advice, including medical, legal, or financial services.

3. NO GUARANTEE OF RESULTS
Coach Training and Tools does not make any guarantees regarding specific outcomes or results from participating in coaching or training programs. The success of the coaching process depends on various factors, including but not limited to your commitment, engagement, and personal circumstances. You acknowledge that no specific outcome is promised or assured.

4. RELEASE OF LIABILITY
You hereby release and hold harmless Coach Training and Tools, its employees, agents, representatives, and contractors from any and all claims, demands, damages, or liabilities that may arise from your participation in the Services, whether caused by negligence or otherwise. This release includes, but is not limited to, any physical, emotional, or psychological injury, financial loss, or damage to property.

5. INDEMNIFICATION
You agree to indemnify and defend Coach Training and Tools, its officers, employees, contractors, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses, including reasonable attorneys' fees, arising out of or related to:

• Your use of the Services, including but not limited to any injury or damage resulting from such use.

• Any violation of this Policy, the Terms of Use, or any other agreement between you and Coach Training and Tools.

• Any violation of applicable laws, rules, or regulations in connection with your participation in the Services.

6. MEDICAL DISCLAIMER
Coaching provided by Coach Training and Tools is not intended to diagnose, treat, or cure any medical condition. If you have specific health concerns, you are advised to consult with a qualified healthcare provider. The Services are not a substitute for professional medical advice, treatment, or diagnosis, and you agree that any health-related decisions you make are solely your responsibility.

7. NO PROFESSIONAL LIABILITY
Coach Training and Tools provides educational and coaching services but does not offer legal, financial, or other professional advice. You are encouraged to seek professional assistance for such matters. Any decisions or actions you take based on coaching services or information provided are your sole responsibility.

8. BINDING AGREEMENT
This Policy constitutes a binding agreement between you and Coach Training and Tools. By participating in our Services, you signify that you have read, understood, and agreed to this Waiver and Indemnity Policy. If you do not agree with the terms of this Policy, you must discontinue your participation in the Services immediately.

9. GOVERNING LAW
This Policy shall be governed by and construed in accordance with the laws of South Africa. Any disputes arising from this Policy shall be subject to the jurisdiction of the courts of South Africa.

10. CHANGES TO THIS POLICY
Coach Training and Tools reserves the right to modify or update this Waiver and Indemnity Policy at any time. It is your responsibility to review this Policy periodically. Your continued participation in the Services after any changes are posted constitutes your acceptance of the updated Policy.

11. CONTACT US
If you have any questions about this Waiver and Indemnity Policy, please contact us at: info@coachtrainingandtools.com

Refund Policy

1. No Refunds on Digital Products:
All digital products — including mini-trainings — are non-refundable once accessed or downloaded. Coaching courses come with a 14-day money-back guarantee (less bank charges) based on the portion accessed.

2. 14-Day Money-Back Guarantee on Coaching Courses (less a $55 Administrative Fee - for bank charges and the portion accessed in the course).

The Women Empowerment Coach course include a 14-day money-back guarantee (less a $55 Administrative Fee - for bank charges and the portion accessed in the course). No refunds apply after 14 days. For full details, please visit:
Our courses operate on a drip system, meaning you will receive content progressively over time. During the first 14 days of your enrolment, you will have access to the first two weeks of content. If, within this period, you decide the course does not meet your expectations, you may request a refund. We offer a 14-day money-back guarantee for our coaching courses to ensure your satisfaction. If you decide to request a refund within 14 days of purchase, you will receive a full less a $55 Administrative Fee - for bank charges and the portion accessed in the course). This fee covers bank charges, file setup, and processing costs. To initiate a refund, please contact us at lee@coachtrainingandtools.com. Refunds will be processed within 7 business days if payment was made through our website or 60 business days if payment was made through PayPal (Once we have received your payment). Refund requests must be made within this 14-day period. Please note that refunds will not be available beyond this period.

• No Refunds After 14 Days for Coaching Courses:
  After the 14-day period, no refunds will be provided for the Women Empowerment Coach Course, even if you choose to discontinue or face other personal circumstances. We advise you to use the initial two weeks' content to make an informed decision about continuing with the course.

• Refund Policy for Coaching Programs (Sessions):
  For our coaching programs, sessions that have already been completed are non-refundable. If you have paid in full for a coaching package and wish to discontinue, you must provide one week's notice to be eligible for a refund on any unused sessions.

If you need to reschedule or cancel an upcoming session, you must notify us at least 24 hours prior to your scheduled appointment. Failure to provide at least 24 hours' notice, or a no-show, will result in the session being considered completed and non-refundable.

Important:
By purchasing our digital products, coaching courses, or coaching programs, you agree to these terms and conditions. Please contact our support team with any questions or concerns.