NEXT CHALLENGE COACHING

TERMS & CONDITIONS (ONLINE PURCHASE)

Agreement Formation

These Terms & Conditions (this "Agreement") form a binding legal contract between Olga Valerievna Netchaeva, dba Next Challenge Coaching ("NCC") and the individual or entity completing the online purchase ("Client," "you," or "your"). By completing your purchase through NCC's online checkout, you confirm that you have read, understood, and agree to be bound by this Agreement. No signature is required; your purchase constitutes your acceptance. If you are purchasing on behalf of an organization, you represent that you are authorized to bind that organization.

1. Services

1.1 NCC offers the following categories of services (each a "Service"), as further described on the applicable product or checkout page at the time of purchase:

(a) 1:1 Coaching: individual coaching sessions between you and NCC;

(b) Group Coaching: coaching sessions delivered to a group or cohort of participants; and

(c) Online Courses: self-paced or scheduled digital learning content.

1.2 The specific details of your purchase (including the number of sessions, format, content, and any applicable schedule) are as described on the product or checkout page (your "Service Package"). For 1:1 Coaching packages, NCC will confirm the session scheduling process with you by email within two (2) business days following purchase.

1.3 NCC warrants that, at all relevant times, the Services will be of professional quality and in accordance with International Coaching Federation ("ICF") standards and Code of Ethics.

1.4 The Client agrees to communicate honestly, to be open to feedback and assistance, and to dedicate the time, energy and resources required to participate fully in the Services.

1.5 The Client assumes full responsibility for results, decisions made, and outcomes produced from the Services, which are provided "as is, where is" without any guarantee whatsoever. NCC agrees to serve as a facilitator, sounding board, and catalyst in the area(s) identified by the Client; however, the Client is solely accountable for producing any and all results.

2. Fees, Payment & Taxes

2.1 All fees for your Service Package ("Fees") are as stated on the product or checkout page and are payable in full at the time of purchase via NCC's online checkout (currently powered by Stripe).

2.2 All Fees are non-refundable, except as expressly set out in Section 5 (Refunds) of this Agreement.

2.3 Where NCC offers a payment plan for a Service Package, the Client authorizes NCC (via Stripe) to charge the card on file for the amount(s) and on the schedule displayed at checkout. Each installment is non-refundable once processed.

2.4 All Fees are stated in Canadian dollars (CAD) unless otherwise specified on the checkout page. All Fees are exclusive of applicable taxes. Depending on the Client's location, taxes such as goods and services tax (GST), harmonized sales tax (HST), value-added tax (VAT), or other local or national taxes may apply and, where applicable, will be displayed at checkout and collected at the time of payment. The Client is responsible for any taxes applicable to their purchase in their jurisdiction that are not collected at checkout. NCC makes no representation regarding the tax treatment of the Services in any jurisdiction outside Canada.

3. Third-Party Tools & Software

3.1 NCC may (a) retain third-parties, including tools or platforms, to deliver the Services; and (b) reasonably require the Client to agree to such third-party terms and conditions, such as Zoom, Google Workspace, and Google Drive, among others, and obtain software licenses where applicable. The cost of third-party software licenses and related expenses such as computers, equipment, or utilities, that are required for the Services are not included in the Fees. NCC is not responsible for the performance, availability, or security of third-party platforms; however, where a Session cannot be delivered due to a third-party platform outage, NCC will make reasonable efforts to find an alternative solution or reschedule the Session, at NCC’s sole discretion.

4. Booking, Rescheduling & Cancellation

4.1 1:1 Coaching. Following purchase, NCC will contact you by email to confirm the session scheduling process. Sessions must be booked in advance using NCC's scheduling system. Sessions not yet scheduled or utilized expire twelve (12) months from the date of purchase, unless a different period is stated on the applicable product or checkout page. Expired sessions are non-refundable.

4.2 Group Coaching. Session dates and times will be either published on the product page at the time of purchase, or confirmed by NCC following the close of registration once the group is formed, whichever applies to the specific program. Where scheduling is confirmed post-registration, NCC will make reasonable efforts to accommodate participant availability, though a specific schedule cannot be guaranteed. Registered participants will receive joining instructions by email prior to the first session. NCC reserves the right to reschedule a session or substitute a facilitator upon reasonable notice to participants.

4.3 Online Courses. Access to course materials will be granted within one (1) business day of purchase confirmation. Access duration is as stated on the product page; where no duration is specified, access is provided for twelve (12) months from the date of purchase.

4.4 Rescheduling & No-Shows. Either party may reschedule a 1:1 Session upon giving no less than 24 hours' prior notice to the other party. Any Session cancelled with less than 24 hours' notice, or missed without notice, will be deemed delivered and is non-refundable. For 1:1 Sessons cancelled with adequate notice, NCC will work with the Client to find an alternative time, subject to availability. For Group Sessions, no rescheduling or make-up sessions are offered; where a recording is available, access will be provided in lieu of attendance.

5. Refund Policy

5.1 General. All Fees are non-refundable once payment has been processed, subject to the exceptions below.

5.2 1:1 Coaching. If NCC is unable to deliver your Service Package in its entirety before any sessions have been delivered, NCC will issue a full refund. Once sessions have commenced, no refunds are available for sessions already delivered or other services rendered. At NCC's sole discretion, a pro-rated refund for undelivered sessions may be issued in exceptional circumstances.

5.3 Group Coaching. No refunds are available once the first session of a group program has been delivered. If you are unable to attend a session, a recording (where provided) will be made available to you.

5.4 Online Courses. Due to the digital nature of course content, no refunds are available once access to course materials has been granted.

5.5 NCC-Initiated Cancellation. If NCC cancels a Service Package in its entirety before any sessions are delivered or access is granted, a full refund will be issued to the original payment method within ten (10) business days.

5.6 Refund requests must be submitted in writing to NCC by email at support@nextchallengecoaching.com. Approved refunds will be processed to the original payment method within ten (10) business days.

6. Term & Termination

6.1 This Agreement begins on the date of purchase and continues until the Service Package has been fully delivered, or until terminated in accordance with this Section.

6.2 Either party may terminate this Agreement at any time by providing no less than seven (7) calendar days' written notice to the other party.

6.3 Either party may immediately terminate this Agreement for cause, should the non-terminating party materially default under this Agreement.

6.4 Upon termination, any Fees already paid are non-refundable, unless otherwise governed by section 5 Refund Policy. The Client will remain liable for any Fees owing prior to termination for services rendered. The Client will have no entitlement to any undelivered sessions, course access, or other components of the Service Package.

7. Intellectual Property

7.1 All materials, documents, frameworks, tools, and other work product developed by NCC in connection with the Services ("Work Product") remain the sole property of NCC, unless otherwise agreed in writing.

7.2 NCC grants the Client a non-exclusive, non-transferable, royalty-free license to use the Work Product solely for the Client's personal purposes. The Client may not reproduce, distribute, modify, sublicense, or disclose Work Product to any third party without NCC's prior written consent.

7.3 Any feedback, suggestions, or improvements the Client provides relating to Services or Work Product ("Feedback") will be the exclusive property of NCC. NCC may use and incorporate Feedback into its services or work products without compensation to the Client, and the Client waives all rights (including moral rights) in such Feedback. To the extent any Feedback includes the Client's Confidential Information, that information remains subject to the confidentiality obligations in this Agreement.

7.4 Online Courses. Course materials — including videos, recordings, worksheets, and templates — are protected by copyright and are licensed to the Client for personal use only. Sharing, reselling, screen-recording, or distributing course content in any form, or making it available to anyone outside the registered purchaser, is strictly prohibited.

8. Privacy & Confidentiality

8.1 In this Agreement, "Confidential Information" means any and all information, known, used or developed by the Client, that is disclosed by the Client to NCC, whether written, oral, or electronically recorded, including: (a) information the Client designates as confidential or which, under the circumstances surrounding disclosure, NCC would be expected to know is treated as confidential by the Client; (b) the Client's financial, family, or personal information; and (c) the content of any Sessions or communications related to the Services.

Confidential Information does not include any of the foregoing which: (i) is or becomes publicly known through no fault of NCC; (ii) was already known to NCC free of restriction at the time of disclosure; (iii) is independently developed by NCC; or (iv) the Client agrees in writing is free of restrictions.

8.2 NCC will, during the term of this Agreement and for seven (7) years thereafter: (a) hold the Client's Confidential Information in confidence and not disclose it to any person, firm or entity n except (i) with the Client's prior written consent, or (ii) to NCC's employees or contractors who are bound by equivalent confidentiality obligations, or (iii) NCC has reasonable grounds to believe that disclosure is necessary to prevent an imminent risk of serious harm to the Client or to another person; (b) use such Confidential Information only for the Services and no other purpose; and (c) use the same degree of care with respect to the Confidential Information as it employs to its own proprietary or confidential information of like importance.

8.3 NCC will not share Confidential Information with any governmental or regulatory authority without the Client's prior written consent; provided, however, that upon prior written notice to the Client, such disclosure may be made if and only to the extent that it is required by applicable law or a valid order of a court or regulatory body of competent jurisdiction.

8.4 ICF Accreditation. NCC maintains a private coaching log for ICF accreditation and credential renewal purposes, which may include each client’s name, contact information, and coaching relationship start and end dates, and duration of coaching sessions. This log is held solely by NCC and is not submitted to, shared with, or accessible by the ICF. Clients who do not consent to their name being identified in NCC’s coaching log will be recorded without personally identifying information.

8.5 Privacy Policy & International Data. Personal information collected during checkout is also subject to NCC's Privacy Policy, available at www.nextchallengecoaching.com. If the Client is located outside Canada, personal information will be transferred to and processed in Canada. Canada's privacy laws may differ from those of the Client's jurisdiction. By completing a purchase, the Client acknowledges this transfer and processing in accordance with NCC's Privacy Policy and applicable privacy legislation.

9. Liability & Risk

9.1 The Client acknowledges and agrees that: (a) the Services are not provided by a licensed or certified financial, legal, medical or mental health professional; (b) the Services are not a substitute for professional legal, financial, medical or mental health advice or treatment; and (c) the Client voluntarily assumes all risks related to their participation in the Services and the Releasees will not be held responsible should the Client, or any third party, suffer adverse or unforeseen consequences, including those arising from negligence, or reliance on the Services.

9.2 THE CLIENT HEREBY RELEASES, INDEMNIFIES, AND FOREVER DISCHARGES NCC, and its affiliates, shareholders, directors, officers, independent contractors, employees, and agents (collectively, the "Releasees") of and from any and all manner of actions, causes of action, loss or damage of any nature or kind whatsoever (including personal injury or death, and lost profits or opportunities), whether in law, equity, or pursuant to statute, which the Client ever had, now has, or at any time hereafter may have, against any of the Releasees, arising out of this Agreement or related to the Client's participation in the Services (or that of the Client’s personnel).

9.3 To the fullest extent permitted by applicable law, NCC's total liability to the Client under or in connection with this Agreement shall not exceed the total Fees paid by the Client for the applicable Service Package.

10. General

10.1 Governing Law. This Agreement is governed by the laws of the Province of British Columbia and the federal laws of Canada applicable therein. NCC's preferred forum for any disputes is the courts of British Columbia. If the Client is a consumer resident outside Canada, the Client may also have the right to bring a claim in the courts of their local jurisdiction, and nothing in this Agreement limits that right to the extent it is conferred by mandatory applicable law.

10.2 International Customers & Consumer Protection. If the Client is a consumer in a jurisdiction with mandatory consumer protection legislation (including but not limited to the European Union, United Kingdom, Australia, or any other jurisdiction), nothing in this Agreement limits or excludes any statutory rights the Client may have under such mandatory local laws that cannot be waived or excluded by contract. To the extent any provision of this Agreement conflicts with such mandatory statutory rights, those rights shall prevail. NCC's refund policy set out in Section 5 applies to the extent permitted by applicable law in the Client's jurisdiction.

10.3 Entire Agreement. The provisions of this Agreement constitute the entire agreement between the parties and supersedes all prior communications, representations, and agreements, whether written or oral.

10.4 Severability. The invalidity or unenforceability of any provision of this Agreement shall not affect the validity or enforceability of any other provision, which shall remain in full force and effect.

10.5 Interpretation. In this Agreement, the masculine includes the feminine and neutral genders; the plural includes the singular and vice versa.

10.6 Notices. Formal notices under this Agreement, including termination notices and refund requests, shall be sent by email: to the email address you provided at checkout (for notices to you) and to support@nextchallengecoaching.com (for notices to NCC). Email notices are deemed received on the day of transmission.

10.7 Further Steps. Each party to this Agreement shall take all necessary actions to comply with the intent and provisions of this Agreement.

10.8 Relationship of Parties. Nothing in this Agreement will be construed as, or have the effect of, constituting the relationship of employee and employer, or principal and agent, or business partnership or joint venture, between the parties. The parties are independent contractors.

10.9 No Waiver. NCC's failure to enforce any provision of this Agreement on any occasion shall not constitute a waiver of that provision or NCC's right to enforce it in future.

10.10 Enurement. This Agreement shall enure to the benefit of and be binding upon the parties and their respective heirs, successors, and permitted assigns.

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Next Challenge Coaching

Victoria, BC, Canada | support@nextchallengecoaching.com | www.nextchallengecoaching.com