Terms and Conditions

 

The Makin Money Moves 3 Month Coaching Program 

 

Please read the Terms and Conditions for the Program carefully and in their entirety before purchasing and using The Makin Money Moves Method Coaching Program  (hereinafter referred to as the “Program”). The Program and its content are owned by Nicole Victoria Consulting Inc.

 

Hello there, Mega Money Babe in the making!

 

We are so excited that you've chosen No Budget Babe Financial Literacy Company to be your partner in your financial education journey. We can't wait to join forces with you and help you gain confidence in your finances, and create a clear path to success! Before we start the fun stuff, we need to get some (let's be honest) boring but essential paperwork out of the way. This Student Agreement is crucial in outlining our professional relationship, expectations, and obligations, so there's no confusion or misunderstandings while we work together.

 

Now, we know that reading through legal stuff isn't exactly the most exciting thing in the world, but trust us, it's important! That's why we've created a Student Agreement that clearly outlines our responsibilities, obligations, and expectations so that we can work together effectively. So go ahead and give it a read, sign on the dotted line, and let's get this party started! 

 

If you have any questions or concerns, don't hesitate to reach out. We're here to support you every step of the way. Here's to a successful financial journey together!

 

Best,

Nicole Victoria (The No Budget Babe)

CEO, Financial Coach

 

1. Definitions:

 

 

“Company”, “We”, “I”, “Our”, or “Us” means Nicole Victoria Consulting Inc.

 

“Participation”, “Participating”, “Using”, or “Use” means reading, implementing, trying, or otherwise engaging in the Program.

 

“You” or “Your” means the purchaser and person using the Program.

 

2. Consent:

 

 

By participating in the Program, you implicitly and voluntarily agree to act in accordance with, agree to, and abide by, these Terms of Use.

 

3. Description Of Services

 

 

By now you know we provide some pretty awesome services, but let’s talk about exactly what you’ll get (in addition to the support and education to help you change your life) in The Makin Money Moves Method:

 

The Company agrees to provide group coaching for The Makin Money Moves Method (hereinafter referred to as the Program). The Program includes:

 

• 12 weeks of support from Nicole (your new 7 figure mentor), our co coaches, and team
• Pre-Work to help you get started off on the right foot before your time in the program starts
• 33 video trainings spread out over 6 money modules
• 25 text trainings, including No Budget Babe spreadsheets, worksheets and a
• 300+ page money journal
• Copy of our Quick Wins Playbook to learn negotiation skills, with word for word scripts
• Access to our 3 mini module ICE Debt Repayment Program with associated homework
• A copy of the NBB Money Rules + Easiest Ways to Save Money Guide
• Homework to help you dive deeper and implement what you’ve learned for each 6  main module categories
• Access to our training volt with 6 expert guest speakers
• Weekly group coaching calls
• Once monthly group mindset masterminds with our therapist
• A private Facebook group for students only so you can ask questions and get support in between calls
• Email support for technical issues by contacting our team [email protected].
• All replies will be provided within 24 business hours from time of receipt

 

4. Acknowledgment of Digital Product Delivery

 

 

By purchasing any digital product from Nicole Victoria Consulting Inc, you acknowledge and agree that the product is delivered in a digital format, accessible exclusively via your unique login credentials, which you are required to create at the time of purchase. No physical product will be shipped or delivered to you.

 

Upon successful payment, you will receive an email confirming your purchase and instructions on how to access your account where the digital product is available. The act of logging into your account and accessing the digital product constitutes full delivery of the purchased product.

 

5. Login Responsibility and Access

 

 

You are solely responsible for ensuring that the login credentials (email and password) you provide during the purchase process are correct and secure. Access to the digital product is available only through these credentials. If you are unable to access the product, it is your responsibility to contact our support team for assistance in resetting your password or resolving any access issues.

 

Please note that failure to access the product due to incorrect credentials, loss of credentials, or failure to contact support for assistance does not constitute non-delivery of the product.

 

6. Access to Private Student Facebook Group

 

 

As part of your purchase, you will also receive the option to access the private student Facebook group. Access to this group will begin on the date your enrollment starts, as outlined in your student agreement. While access to the Facebook group is a supplemental resource, it is not required for you to receive or access the main digital product. The digital product is considered delivered when you log in to your account, regardless of whether or not you choose to join the Facebook group. We highly encourage everyone to join the group as it will enhance your overall experience within the program.

 

7. Proof of Delivery

 

 

The digital product you purchased is considered delivered when you successfully complete payment and login. We maintain detailed records of all login attempts. These records serve as definitive proof of delivery.

 

By agreeing to these terms, you acknowledge that the delivery of the product is complete upon your first successful login and that you have received the digital product as described.

 

8. No Physical Delivery

 

 

As the product you purchased is digital, no physical goods will be shipped. The product is considered delivered when accessible through your unique login credentials. Any claims of non-receipt of physical goods are invalid as all products are provided in a digital format only.

 

9. Dispute Resolution

 

 

If you experience any issues with accessing the digital product, we encourage you to contact our support team immediately at [email protected] for assistance. By agreeing to these terms, you agree to resolve any issues directly with Nicole Victoria Consulting Inc. before filing a dispute with your payment provider.

 

In the event of a payment dispute where you claim non-receipt of the digital product, we will provide evidence of your login history as proof of delivery. By making a purchase, you agree that this evidence is sufficient to confirm that you have received the product.

 

10. Disclaimer

 

 

Who am I? I’m a Money Coach who teaches our students the education and strategies I used to build my financial foundation and change my life.

The Client understands the Company is a Money Coach.

 

The Client understands that the Company is not an attorney, publicist, therapist, financial advisor, accountant, or any other licensed or registered professional. The Company and Client’s work together is not a substitute for professional financial, business, or legal advice. The Company and Client may work together to address, among other things, goals, priorities, identifying resources, brainstorming, action plans, strategy, and planning. The Client understands that the Company does not guarantee any

 

11. Expectations

 

 

We want you to get the most out of this program, and that’s why we lay out what we expect from you so you can succeed (because the whole point is to help you change your life!)

 

The company requests the client to:

• Be on time, be committed to the program, show up for all calls or watch all recordings, do all modules on time and complete the homework.
• Give yourself to each module with the same level of intention so you can get the most out of it.
• Make all payments on time by making sure you have the money in your account when auto-pay is scheduled.
• Be respectful of all staff, and other clients in the program.

 

12. Termination

 

 

The Company is committed to providing the Client a positive experience in the program. By signing and agreeing to the Agreement, the Client understands that the Company may, in its sole discretions, terminate the Agreement and limit, suspend, and or terminate the Client’s participation in the Program without a refund or forgiveness of monthly payments if the Client becomes disruptive or violates any terms of the Agreement.

 

If the Client chooses to terminate the Agreement at any time, no refunds will be issued and all further payments will still be due and collectible.

 

13. Payment 

 

 

The goal of our programs is to have them pay you back throughout your lifetime, using the tips, tools, strategies and methodologies we’re going to teach you about managing your money, building your financial base and literacy, debt repayment, saving, negotiating, and starting investing (just to name a few ;) )! 

 

The total price of the Program is $3,500 USD, but Nicole Victoria Consulting Inc or its representatives reserves the right to offer a fast action discount at time of signing when and where appropriate which may reduce the total price of the program. 

 

With the fast action discount of $500 USD, the total pay in full price of the program is $3,000 USD, 3 monthly payments of $1,095 USD, or an alternative payment agreement created by No Budget Babe staff and agreed upon through sign up in Kajabi. Clients within Canada will be subject to applicable taxes required provincially and federally by law. The Client shall pay via credit card through Stripe (integrated in Kajabi). If the Client chooses a monthly payment amount, the Client is agreeing to auto-pay and understands that it shall be automatically paid every 30 days for the length of the payment plan. The Client further understands that if monthly payments are chosen, this is in house financing for the total investment of the program, not a monthly subscription fee. 

 

If the Client has selected a payment plan through in-house financing to pay for the Program, the Client agrees to pay all invoices within 24 hours of receipt. Failure to pay after two separate attempts for collection of the invoice may result in any remaining and outstanding balances sent to collections. 

 

If the Client fails to pay an invoice on two or more separate occasions, the Company can call the collection of the total outstanding balance to be due within 5 business days since the last missed invoice and payment. 

 

A $35 USD NSF (Non-Sufficient Funds) fee will be charged to your account for any payments returned by your bank for any reason. 

 

If any payment, other charge, or expense payable hereunder is not received by Nicole Victoria Consulting Inc within 7 days after its due date, it shall be subject to a late payment penalty of 5% of the unpaid amount due for each month or fraction thereof, or such lesser amount as may be the maximum amount permitted by law, until paid.

 

13.2 

Any issues with payment should be communicated to the Company via e-mail Immediately. 

 

(b) Refund Policy. Client understands that due to the nature of the services provided, no refunds can be made. Should Client have concerns about the Program, Client agrees to communicate with Company directly in order to address any issues. Client agrees to not request chargebacks or initiate payment disputes through Client’s banking institution. Client agrees to not initiate any payment disputes at any time to Company’s account through Client’s financial institution. In the event that Client inadvertently disputes a charge made to the account, Client agrees to immediately cancel/withdraw such a dispute. Client agrees to not cancel the credit/debit card that is provided as security without Company’s prior written consent. Client is responsible for any fees, including attorney’s fees, associated with recouping payment on chargebacks and any collection fees associated with such an event. 

 

(c) Continuity. During the rendering of the above-described services, services may not be “paused” or placed on hold. Likewise, cancellation during the initial service-rendering is not permitted; should Client decide to no longer work together, Client is still liable for the full amount of the contract.

 

14. Refund Policy

 

 

The Client is responsible for the full payment plus deposit, as described in Section 13 of The Terms and Conditions. Payment is required in full whether the Client completes or participates fully in the Program. Once the Program begins, once any payment has been received, the contract has been signed, or the program has been started, no refunds will be given in part or in full as contents of the Program are digital in nature and cannot be returned.

 

All deposits made for the program are non-refundable.

 

All sales of digital products are final. Due to the nature of digital products, we do not offer refunds once access to the product has been granted, unless otherwise required by law. By purchasing a digital product from Nicole Victoria Consulting Inc., you agree to this refund policy. If you encounter personal problems within your time with us we are always here to support you, please reach out to our team at [email protected] so we can help.

 

15. Confidentiality

 

 

Except as otherwise agreed or required by law, The Company will keep confidential all information concerning Clients’ identity, financial affairs, or investments.

 

16. Non-Disclosure Of Company Materials

 

 

Material given to the Client in the course of the Program is proprietary, copyrighted, and developed specifically for and by the Company. The Client agrees that such proprietary material is solely for the Client’s own personal use. Any disclosure to a third party is strictly prohibited. The Client agrees that if the Client violates, or displays any likelihood of violating, any of the Client’s agreements contained herein the company will be entitled to injunctive relief to prohibit any such violations and to protect against the harm of such violations.

 

17. Indemnification

 

 

Client agrees to indemnify and hold harmless the Company, its affiliates, officers, directors, agents, employees, successors, representatives, independent contractors, and assigns all direct and third party claims, demands, losses, causes of action, damages, lawsuits, expenses, fees, including attorney’s fees, costs, and judgements that may be asserted against the Company, by any third parties that result from errors, negligence, acts and or omissions of the Client and or Company.

 

18. Arbitration

 

 

Any controversy or claim between the Parties shall be settled by arbitration before a single mutually agreed upon arbitrator under the current rules of the Canadian Arbitration Association. If the parties cannot agree on an arbitrator, then each party shall appoint a third neutral arbitrator to hear the matter. The decision of the arbitrator shall be final and binding and the award so rendered may be in the province of Ontario. Each party shall pay its own costs and expenses related to the arbitration and shall split the cost of the arbitrator equally. The arbitrator shall have no authority to award punitive or other non-compensatory damages to either party. No damages excluded by or in excess of any damage limitations set forth in this agreement shall be awarded. The sole remedy for the Client shall be a refund of any amount paid to the Company.

 

19. Applicable Law

 

 

This agreement shall be governed by the laws of the Province of Alberta.

 

20. Entire Agreement; Amendment; Headings

 

 

This agreement constitutes the entire agreement between the Parties with respect to their relationship, and supersede all prior oral or written agreements, understandings and representations to the extent that they relate in any way to the subject matter hereof. Neither course of performance, nor course of dealing, nor usage of trade, shall be used to qualify, explain, supplement or otherwise modify any of the provisions of this Agreement. No amendment of, or any consent with respect to, any provision of the agreement shall bind either party unless set forth by writing, specifying such waiver, consent or amendment signed by both parties.

 

The headings of the sections of the Agreement are provided for convenience only and shall not affect the construction or interpretation.

 

21. Severability

 

 

The provisions of this agreement shall be deemed severable, and the invalidity or unenforceability of any provision shall not affect the validity and enforceability of any other provision hereof. If any Section, sentence, subsection, or clause of this agreement shall be adjudged illegal, unenforceable, or invalid, such illegality, validity or unenforceability shall have no effect on the agreement as a whole or any section, subsection, sentence or clause hereof not expressly so judged.

 

22. Waiver

 

 

The waiver or failure of the company to exercise waiver in any respect, for any right provided herein, shall not be deemed a waiver of any further right pursuant to the Agreement.

 

23. No Assignment

 

 

The agreement may not be assigned by either party without the express, written consent in advance of either party.

 

24. Force Majeure

 

 

In the event that any cause beyond reasonable control of either of the parties, included but not limited to: acts of God, acts of Terrorism, curtailment or interruption of transportation facilities, labor strike or civil disturbance, make it inadvisable, illegal or impossible either because of unreasonable increased costs of injury, for either party to perform its obligations under the agreement, the affected parties performance shall be extended without liability for the period of delay or inability to perform due to such Occurrence.

 

25. No Guarantees, Warranties Or Representations

 

 

The client understands and agrees that the client is 100% entirely responsible for his/her progress and results from the experience of the program. The company will help guide and support the client but the client’s participation in, and dedication to, the program is one of many vital elements to the Program’s success. The Program can not work if you do not put in the work, show up to the calls, participate in the Facebook group, complete the homework, watch the modules, and then take action on what you’ve learned.

 

The company has not and does not make any warranties, guarantees, or representations verbally or in writing, regarding the client's performance, results, income, revenue or success. The client understands that due to the nature of the program, the results experienced by each client may vary. The company does not make any guarantees other than the services offered in the program shall be provided to the client in accordance with the terms of the agreement

 

26. Agreement to Terms

 

 

By completing your purchase, you agree to these terms and conditions and acknowledge that you understand and accept the delivery method, proof of delivery, and refund policy as outlined above. You further agree that any attempt to dispute the transaction under the claim of non-receipt of the product, despite proof of access, will be considered a breach of this agreement.