Online Program & Course Sale Policy

This Online Program & Course Sale Policy ("Program Policy") applies to all purchases of programs and courses through the BESA Coaching platform ("Platform"), operated by B.E.S.A ("BESA Coaching," "we," "us," "our"). It applies to all program and course formats, including:

• Multi-session one-on-one coaching packages
• Group coaching programs with scheduled live sessions
• Self-paced digital courses and e-learning content
• Recorded video libraries and content bundles
• Hybrid programs combining live sessions and pre-recorded digital content
• Structured coaching curricula with defined modules and milestones
• Corporate coaching programs and BESA Bundle packages
• Any other structured coaching product sold through the Platform

This Program Policy is incorporated into and forms part of the BESA Coaching Terms of Service. By completing a program or course purchase, you agree to this Program Policy in its entirety. This Program Policy supplements — and does not replace — any mandatory consumer rights you have under the laws of your country of residence.

BESA Coaching acts as a marketplace intermediary for Coach-hosted programs. For BESA Official Programs organized directly by BESA Coaching, BESA Coaching is the program provider. The applicable refund obligations and liability differ depending on the program type.

2.1 General Rule. All program and course purchases made through the BESA Coaching Platform are final and non-refundable once the transaction is completed. This no-refund rule applies regardless of the reason, including but not limited to:

• Change of mind or dissatisfaction with program content or teaching style
• Failure to use or access the program after purchase
• Scheduling conflicts or inability to attend live sessions
• Personal circumstances within the purchaser's control
• Failure to review program details, curriculum, or coach profile before purchase
• Dissatisfaction with program outcomes or results
• Technical difficulties on the purchaser's end

2.2 Acknowledgment at Checkout. The no-refund policy is displayed prominently at the checkout page before payment is processed. By completing payment, you confirm that you have read, understood, and agreed to this no-refund policy as a material condition of the purchase. This constitutes a binding contractual term.

2.3 Platform Commission. BESA Coaching's 15% platform commission is non-refundable in all circumstances, including in cases where a refund is otherwise required under this policy or applicable law. Refunds issued under this policy are limited to the program purchase price paid by the purchaser, net of the platform commission.

2.4 Scope of "Final Sale." The final-sale rule applies from the moment the payment transaction is confirmed by our payment processor (Stripe, Inc.). It applies equally to programs purchased at full price, at a discounted rate, through a promotional code, or as part of a bundle.

3.1 Pre-Purchase Review. Before completing a program or course purchase, you are solely responsible for reviewing all program details, including:

• Program curriculum, modules, and learning objectives
• Program format — live sessions, self-paced, hybrid
• Session schedule, dates, times, and time zones for live components
• Total duration and expected time commitment
• Coach qualifications, credentials, and coaching approach
• Technical requirements for accessing digital content or live sessions
• Prerequisites or eligibility requirements
• Whether the program includes digital downloads or recorded content
• Cancellation and refund terms applicable to the specific program

3.2 Program Suitability. You are responsible for assessing whether a program is suitable for your needs, goals, and circumstances before purchasing. BESA Coaching and coaches do not guarantee specific outcomes, results, income levels, or improvements from any program. See our Coaching Disclaimer for full details.

3.3 Technical Requirements. For programs with digital content or live online sessions, you are responsible for ensuring that your device, internet connection, and software meet the technical requirements specified in the program listing.

4.1 Program Access. Upon purchase, you will receive access to the program as described in the listing. For programs with live sessions, access is provided through the Platform's booking and scheduling system. For digital content, access is provided immediately upon payment confirmation.

4.2 Coach Non-Delivery. If a coach fails to deliver scheduled program sessions without reasonable cause or advance notice, you may submit a formal dispute to BESA Coaching at [email protected] within 14 days of the missed delivery. BESA Coaching will investigate and may, at its sole discretion, issue a partial credit for undelivered sessions. This is evaluated on a case-by-case basis and does not constitute a general refund right, except as required by applicable consumer law in your jurisdiction.

4.3 Access Issues. If you experience technical difficulties accessing program content that are attributable to the Platform (not your own device or connection), contact [email protected] immediately. BESA Coaching will work to resolve access issues promptly. Documented platform-side access failures may entitle you to an extension of access or a credit at BESA Coaching's discretion.

4.4 Program Expiry. Some programs have a defined access period (e.g., 12 months from purchase). The access period is specified in the program listing. Failure to complete the program within the access period does not entitle you to a refund or extension, except where required by applicable law.

5.1 Immediate Delivery. For programs that include digital downloads, recorded video content, e-learning modules, or other digital materials, access is granted immediately upon payment confirmation. Due to the immediate and irrevocable nature of digital content delivery, all such purchases are final and non-refundable from the moment of access.

5.2 EU/UK Withdrawal Right Waiver. For EU and UK consumers purchasing programs that include digital content delivered immediately, BESA Coaching will request your express consent to immediate delivery and your acknowledgment that you lose the 14-day right of withdrawal upon commencement of delivery. This consent is obtained at checkout. If you do not provide this consent, delivery of digital content will be delayed until the 14-day withdrawal period expires. See Section 10 for full EU/UK consumer rights information.

5.3 License. Upon purchase, you receive a limited, personal, non-transferable, non-sublicensable license to access and use the digital content for your own personal development purposes only. See Section 19 for full intellectual property terms.

5.4 No Sharing or Redistribution. You may not share, reproduce, distribute, sell, sublicense, or otherwise commercialize any digital content, recordings, worksheets, or materials included in a program without the coach's explicit written consent. Unauthorized sharing or redistribution is a violation of these Terms and may result in account termination and legal action.

6.1 Pre-Commencement Cancellation. If a coach cancels a program before it begins and does not reschedule within 14 days, all enrolled clients are entitled to a full refund of the program purchase price. BESA Coaching's 15% platform commission is non-refundable in all circumstances.

6.2 Refund Timeline. Refunds for coach-cancelled programs will be processed and credited to the original payment method within 5–10 business days of the expiry of the 14-day reschedule window. BESA Coaching will notify all enrolled clients by email upon confirmation of cancellation and the applicable refund timeline.

6.3 Mid-Program Cancellation. If a coach cancels a program after it has commenced (i.e., after one or more sessions have been delivered), enrolled clients may submit a dispute to BESA Coaching at [email protected] within 14 days. BESA Coaching will investigate and may, at its sole discretion, issue a partial refund or credit for undelivered sessions. The amount of any partial refund will be calculated based on the proportion of undelivered sessions to the total program sessions.

6.4 BESA-Cancelled Programs. If BESA Coaching cancels a BESA Official Program before it begins, enrolled clients will receive a full refund of the program purchase price within 5–10 business days.

6.5 Force Majeure. If a program is cancelled due to circumstances beyond the coach's reasonable control (force majeure), the coach will make reasonable efforts to reschedule. If rescheduling is not possible within 14 days, the standard cancellation refund process applies.

7.1 No Refund for Partial Completion. No refunds or credits are available for partially completed programs, regardless of the reason for non-completion. If you discontinue participation in a program — for any reason, including personal circumstances, scheduling conflicts, or dissatisfaction — you forfeit all remaining sessions and content without compensation.

7.2 Session Packages. For packages of multiple sessions purchased at a discounted rate, the refund for individual cancelled sessions (where applicable) is calculated based on the per-session rate within the package, not the full package price. Packages are non-refundable once 50% or more of the sessions have been completed.

7.3 Exceptions Under Applicable Law. Notwithstanding the above, consumers in certain jurisdictions may have statutory rights to a partial refund for undelivered portions of a program. See Sections 10–17 for jurisdiction-specific rights.

8.1 Minor Modifications. Coaches may make reasonable modifications to program content, format, scheduling, or materials. Minor modifications — such as updating curriculum content, adjusting session timing, or adding supplementary materials — do not constitute grounds for a refund.

8.2 Material Modifications. If a program is materially altered in a way that fundamentally changes its nature — for example, a significant reduction in the number of live sessions, a change in the primary coach, or a fundamental change in the program's subject matter — BESA Coaching will notify enrolled clients. Clients may contact [email protected] within 7 days of the notification to discuss options. BESA Coaching may, at its sole discretion, offer a partial credit or refund. This does not constitute a general refund right, except where required by applicable consumer protection law in your jurisdiction.

8.3 Coach Substitution. In exceptional circumstances, a coach may be substituted with another qualified coach of equivalent expertise. If you are not satisfied with the substitution, contact [email protected] within 7 days. BESA Coaching will review on a case-by-case basis.

9.1 Contact Us First. Before initiating a chargeback or payment dispute with your bank or card issuer, please contact BESA Coaching at [email protected]. Most issues can be resolved quickly without a chargeback.

9.2 Chargeback Policy. Filing a chargeback for a program purchase that is subject to our final-sale policy — without a valid basis under this policy or applicable consumer law — is considered a violation of the BESA Coaching Terms of Service. BESA Coaching will provide the payment processor with evidence of the purchase, the no-refund policy displayed at checkout, and your acceptance of these terms.

9.3 Consequences. Users who initiate fraudulent or bad-faith chargebacks may have their accounts suspended or permanently terminated and may be liable for BESA Coaching's reasonable costs in contesting the chargeback.

9.4 Legitimate Disputes. Nothing in this section prevents you from exercising your statutory rights under applicable consumer protection law, including the right to dispute unauthorized transactions or transactions that do not comply with mandatory consumer rights in your jurisdiction.

10.1 Statutory Rights Preserved. Nothing in this Program Policy limits, excludes, or modifies any right or remedy you have as a consumer under applicable EU, EEA, or UK consumer protection law, including the EU Consumer Rights Directive (2011/83/EU), the UK Consumer Rights Act 2015, and the EU Unfair Contract Terms Directive (93/13/EEC).

10.2 Right of Withdrawal — 14-Day Cooling-Off Period. Under the EU Consumer Rights Directive and equivalent UK law, EU and UK consumers generally have a 14-day right of withdrawal from distance contracts for services, running from the date of the contract. This means you may cancel your program purchase within 14 days of purchase without giving any reason, and receive a full refund.

10.3 Withdrawal Right — Digital Content Exception. For programs that include digital content (recorded courses, downloads, e-learning modules), the right of withdrawal is lost once you have expressly consented to immediate delivery and acknowledged that you lose the right of withdrawal upon commencement of delivery (Article 16(m) of Directive 2011/83/EU). This consent is obtained at checkout. If you do not provide this consent, delivery of digital content will be delayed until the 14-day withdrawal period expires.

10.4 Withdrawal Right — Live Service Exception. For programs consisting entirely of live coaching sessions (no digital content), the right of withdrawal is lost once the service has been fully performed with your prior express consent and acknowledgment that you lose the withdrawal right upon full performance. For partially performed services, you may withdraw but will be charged for the proportion of the service already delivered.

10.5 How to Exercise the Withdrawal Right. To exercise your right of withdrawal within the 14-day period, contact BESA Coaching at [email protected] with a clear statement of your decision to withdraw (e.g., "I hereby give notice that I withdraw from my contract for [program name] purchased on [date]"). You may use the model withdrawal form available from the European Commission, but this is not mandatory. BESA Coaching will process your refund within 14 days of receiving your withdrawal notice, using the same payment method as the original transaction.

10.6 Non-Conforming Services. If a program is not delivered in conformity with the contract (e.g., the coach fails to deliver sessions as described), EU and UK consumers have the right to: (a) require the service to be brought into conformity; (b) receive a proportionate price reduction; or (c) in cases of serious non-conformity, terminate the contract and receive a full refund. Contact [email protected] to exercise these rights.

10.7 Online Dispute Resolution (EU). EU consumers may use the European Commission's Online Dispute Resolution (ODR) platform: ec.europa.eu/consumers/odr. BESA Coaching's email for ODR purposes: [email protected].

10.8 Jurisdiction. EU consumers may bring proceedings in the courts of their country of residence. UK consumers may bring proceedings in the courts of England and Wales, Scotland, or Northern Ireland, as applicable.

11.1 ACL Guarantees. Nothing in this Program Policy excludes, restricts, or modifies any right or remedy, or any guarantee, warranty, or other term or condition, implied or imposed by the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010 (Cth)) that cannot lawfully be excluded or limited.

11.2 Consumer Guarantees for Services. Under the ACL, services must be provided with due care and skill, be fit for the purpose for which they are supplied, and be delivered within a reasonable time. If a program is not delivered as described or is cancelled, Australian consumers have the following rights:

• Minor failure: You may require BESA Coaching or the coach to remedy the failure within a reasonable time.
• Major failure: You are entitled to cancel the contract and receive a full refund, or keep the service and receive compensation for the reduction in value. A major failure includes: (a) the program is cancelled before commencement; (b) the program is fundamentally different from what was advertised; (c) the program is not delivered with due care and skill and the problem cannot be fixed.

11.3 Limitation of Liability. Where the ACL applies, BESA Coaching's liability for failure to comply with a consumer guarantee is limited, to the extent permitted by law, to re-supply of the services or payment of the cost of re-supply.

11.4 ACCC. Australian consumers may contact the ACCC at accc.gov.au or their state consumer protection agency for assistance.

12.1 Applicable Legislation. Canadian consumers are protected by applicable federal and provincial/territorial consumer protection laws, including the Ontario Consumer Protection Act 2002, the Quebec Consumer Protection Act, and equivalent provincial legislation.

12.2 Internet Agreements. Where applicable provincial law governs internet agreements, BESA Coaching provides the required pre-contractual disclosure at checkout, including program description, total price, cancellation and refund terms, and BESA Coaching's contact information.

12.3 Cancellation Rights. If a program is cancelled by the coach before commencement and not rescheduled within 14 days, Canadian consumers are entitled to a full refund of the program purchase price within 5–10 business days.

12.4 Quebec Consumers. Quebec consumers have additional rights under the Consumer Protection Act (Loi sur la protection du consommateur). Quebec consumers may contact the Office de la protection du consommateur (OPC) at opc.gouv.qc.ca.

13.1 CDC Rights Preserved. Nothing in this Program Policy limits, excludes, or modifies any right you have as a consumer under the Brazilian Consumer Protection Code (CDC — Law No. 8,078/1990).

13.2 Right of Withdrawal (Direito de Arrependimento). Under Article 49 of the CDC, Brazilian consumers have a 7-day right of withdrawal from online purchases. If you wish to exercise this right for a program purchase, contact [email protected] within 7 days of purchase. For programs that include digital content accessed immediately, the withdrawal right may be limited — BESA Coaching will assess each request in good faith and in compliance with applicable CDC requirements.

13.3 Cancelled Programs. If a program is cancelled by the coach before commencement and not rescheduled within 14 days, Brazilian consumers are entitled to a full refund within 5–10 business days.

13.4 PROCON. Brazilian consumers may contact their state PROCON or file complaints at consumidor.gov.br.

14.1 Applicable Legislation. Japanese consumers are protected by the Act on Specified Commercial Transactions (ASCT), the Consumer Contract Act, and the Act on Specified Commercial Transactions for Continuous Service Transactions (特定継続的役務提供) where applicable.

14.2 Continuous Service Transactions. Certain coaching programs may qualify as "specified continuous service transactions" under the ASCT if they meet the applicable criteria (duration, price thresholds). For such programs, Japanese consumers may have statutory cancellation rights under the ASCT. Contact [email protected] for information on whether a specific program qualifies.

14.3 Consumer Affairs Agency. Japanese consumers may contact the Consumer Affairs Agency (消費者庁) at caa.go.jp for assistance.

15.1 CPA Rights Preserved. Nothing in this Program Policy limits, excludes, or modifies any right you have as a consumer under the Consumer Protection Act 68 of 2008 (CPA).

15.2 Cooling-Off Period. Under Section 16 of the CPA, consumers have a 5-business-day cooling-off period for direct marketing transactions. Standard online program purchases through the Platform are not direct marketing transactions and are not subject to this cooling-off period.

15.3 Cancelled Programs. If a program is cancelled by the coach before commencement and not rescheduled within 14 days, South African consumers are entitled to a full refund within 5–10 business days.

15.4 National Consumer Commission. South African consumers may contact the NCC at thencc.gov.za.

16.1 CPFTA Compliance. BESA Coaching complies with the Consumer Protection (Fair Trading) Act (CPFTA) and does not engage in unfair practices in connection with program sales.

16.2 Cancelled Programs. If a program is cancelled by the coach before commencement and not rescheduled within 14 days, Singapore consumers are entitled to a full refund within 5–10 business days.

16.3 CASE. Singapore consumers may contact CASE at case.org.sg for assistance.

17.1 E-Commerce Rules Compliance. BESA Coaching complies with the Consumer Protection (E-Commerce) Rules 2020, including providing pre-purchase disclosure of program details, pricing, and refund terms.

17.2 Grievance Officer. Indian consumers may submit grievances to: [email protected]. BESA Coaching will acknowledge grievances within 48 hours and resolve them within one month.

17.3 Cancelled Programs. If a program is cancelled by the coach before commencement and not rescheduled within 14 days, Indian consumers are entitled to a full refund within 5–10 business days.

17.4 Consumer Forums. Indian consumers may file complaints with the appropriate Consumer Disputes Redressal Commission under the Consumer Protection Act 2019.

18.1 General Principle. BESA Coaching is committed to complying with applicable consumer protection laws in all jurisdictions where it operates. If you are resident in a jurisdiction not specifically addressed in Sections 10–17:

• Nothing in this Program Policy overrides mandatory consumer protection rights you have under the laws of your country of residence.
• If a program is cancelled before commencement and not rescheduled within 14 days, you are entitled to a full refund regardless of your jurisdiction.
• If a program is materially non-conforming with its description, you may have rights under applicable consumer law — contact [email protected].
• BESA Coaching will not enforce any term in this policy that is prohibited or unenforceable under the mandatory laws of your jurisdiction.

19.1 Coach Ownership. All program content, materials, frameworks, methodologies, worksheets, recordings, and other intellectual property created by coaches remain the sole property of the respective coach. BESA Coaching does not claim ownership of coach-created content.

19.2 Limited License to Purchaser. Upon purchase, you receive a limited, personal, non-exclusive, non-transferable, non-sublicensable license to access and use the program content solely for your own personal development. This license does not include the right to:

• Copy, reproduce, or distribute program materials to any third party
• Record live sessions without the coach's explicit prior written consent
• Share login credentials or access links with any other person
• Use program materials for commercial purposes, including resale, training others, or creating derivative works
• Post program content on social media, websites, or any public platform without the coach's explicit written consent

19.3 BESA Coaching IP. The Platform, its design, software, and all BESA Coaching-created content are protected by applicable intellectual property laws. No rights are granted to you in BESA Coaching's intellectual property except as expressly set out in these Terms.

19.4 Enforcement. Unauthorized use of program content may result in account termination, legal action for copyright infringement, and claims for damages. BESA Coaching will cooperate with coaches in enforcing their intellectual property rights.

When you purchase a program or course, BESA Coaching collects personal data including your name, email address, and payment information (processed by Stripe, Inc.). This data is used to process your purchase, provide access to the program, communicate program updates, and comply with legal obligations. Your data is handled in accordance with our Privacy Policy, which sets out your rights under GDPR, CCPA, PIPEDA, LGPD, PDPA, DPDP Act, and other applicable privacy laws.

Coaches receive only the information necessary to deliver the program (e.g., your name and email for scheduling and communication). For programs with live online sessions, your data may be processed by the video conferencing platform (e.g., Zoom) in accordance with their privacy policy.

For questions about this Program Policy, refund requests, or to exercise your consumer rights: