Terms of Service

By accessing, browsing, registering for, or using the BESA Coaching website, mobile application, or any related services (collectively, the "Platform"), you ("User," "you," or "your") acknowledge that you have read, understood, and agree to be legally bound by these Terms of Service ("Terms"), our Privacy Policy, Cookie Policy, and all other policies, guidelines, and agreements incorporated herein by reference (collectively, the "Agreement").

If you are using the Platform on behalf of a business, organization, or other legal entity, you represent and warrant that you have full authority to bind that entity to these Terms, and references to "you" include both you individually and that entity. If you lack such authority, you may not use the Platform on behalf of that entity.

If you do not agree to these Terms in their entirety, you must immediately cease all use of the Platform. Your continued use of the Platform following any posted modifications constitutes your binding acceptance of the revised Terms.

As used throughout these Terms, the following definitions apply:

• "BESA Coaching" / "B.E.S.A" / "we" / "us" / "our" the company operating the Platform, incorporated as B.E.S.A.
• "Platform" the BESA Coaching website, mobile applications, APIs, and all related services, features, and content.
• "Coach" an independent coaching professional who registers on the Platform to offer coaching services, programs, or events.
• "Client" an individual who registers on the Platform to receive coaching services, purchase programs, or attend events.
• "User" any person accessing or using the Platform, including Coaches, Clients, event attendees, and visitors.
• "Session" a one-on-one or group coaching appointment booked through the Platform.
• "Program" / "Course" a structured multi-session coaching curriculum, digital course, or educational content package sold through the Platform.
• "Event" a live or virtual coaching event, workshop, seminar, webinar, or group session for which tickets are sold through the Platform.
• "Ticket" a purchased right of admission to an Event.
• "Content" all text, images, audio, video, data, and other materials on or submitted to the Platform.
• "Transaction" any purchase of a Session, Program, Event Ticket, or other service through the Platform.
• "Commission" the platform fee deducted by BESA Coaching from each Transaction before disbursement to the host. The applicable rate depends on the host type: 15% for Coach-hosted Transactions; 20% for Client-hosted Event Transactions; 100% for BESA-hosted Events (where BESA Coaching is the organizer).
• "Host" the party responsible for organizing and delivering an Event or Program: either a registered Coach, a registered Client (for community-hosted Events), or BESA Coaching itself (for official BESA Events).
• "Community Event" an Event proposed and hosted by a registered Client, subject to BESA Coaching's prior written approval before publication.

BESA Coaching is an online marketplace that connects Clients with independent Coaches for personal and professional development services. The Platform facilitates the discovery, booking, payment, and delivery of coaching services, programs, and live events.

BESA Coaching is a marketplace intermediary only. We are not a party to any coaching relationship, agreement, or transaction between Coaches and Clients. We do not employ Coaches, supervise their services, control their coaching methods, or guarantee the quality, accuracy, or outcomes of any coaching engagement. Each Coach is an independent contractor solely responsible for the services they provide.

BESA Coaching does not provide medical, psychological, therapeutic, legal, financial, or any other licensed professional services. Nothing on the Platform constitutes professional advice of any kind. See our Coaching Disclaimer for full details.

The Platform includes, but is not limited to: coach discovery and profiles, session booking and scheduling, secure messaging, video session integration via Zoom, program and course enrollment, live event ticketing, payment processing, session notes and goal tracking (Premium), and analytics tools.

To register for or use the Platform, you must meet all of the following requirements:

• Be at least 18 years of age, or the age of majority in your jurisdiction, whichever is greater
• Have the legal capacity to enter into a binding contract under applicable law
• Not be prohibited from using the Platform under any applicable law or regulation
• Not have had a prior account terminated by BESA Coaching for violation of these Terms
• Provide accurate, truthful, current, and complete registration information
• Not be subject to any sanctions, export restrictions, or other legal prohibitions that would prevent use of the Platform

The Platform is not directed to individuals under 18. If you become aware that a minor has provided personal information to the Platform, contact us immediately at [email protected].

BESA Coaching reserves the right to refuse registration or access to any person at its sole discretion, including where eligibility requirements are not met or cannot be verified.

5.1 Registration. Access to most Platform features requires account registration. You agree to provide accurate, current, and complete information and to promptly update it as necessary. Providing false or misleading information is grounds for immediate account termination.

5.2 Account Security. You are solely responsible for maintaining the confidentiality of your login credentials and for all activities conducted under your account, whether or not authorized by you. You agree to:

• Use a strong, unique password not used on other services
• Enable multi-factor authentication where available
• Never share your credentials with any third party
• Notify BESA Coaching immediately at [email protected] upon discovering any unauthorized access or security breach
• Log out of your account after each session on shared or public devices

BESA Coaching is not liable for any loss or damage arising from your failure to maintain account security.

5.3 Account Types. The Platform supports three account types: (a) Client accounts for individuals seeking coaching services; (b) Coach accounts for independent coaching professionals; and (c) Administrator accounts for BESA Coaching staff. Each type carries different permissions and obligations.

5.4 One Account Per Person. Each individual may maintain only one account per account type. Creating multiple accounts to circumvent suspensions, bans, or other restrictions is strictly prohibited and may result in permanent termination of all associated accounts and forfeiture of any pending payouts.

5.5 Account Verification. BESA Coaching may require identity or credential verification at any time. Failure to complete verification within a reasonable timeframe may result in account suspension or restriction.

6.1 Qualifications and Credentials. Coaches represent, warrant, and covenant that:

• All credentials, certifications, licenses, and qualifications listed on their profile are accurate, current, and verifiable at the time of listing and throughout their use of the Platform
• They will promptly update their profile if any credential expires, is revoked, is suspended, or is otherwise no longer valid
• They will not misrepresent their education, training, experience, professional affiliations, or areas of expertise
• They consent to BESA Coaching requesting verification of any credential at any time, and will cooperate fully with such requests
• They hold all licenses, permits, and authorizations required by applicable law to provide their stated coaching services

6.2 Service Delivery Standards. Coaches agree to:

• Deliver services as described in their profile and service listings with reasonable care, professional skill, and in accordance with applicable professional standards
• Maintain appropriate professional boundaries with Clients at all times, consistent with recognized coaching ethics codes (e.g., ICF Code of Ethics)
• Not provide services that constitute the practice of medicine, clinical psychology, therapy, counseling, law, financial advising, or any other licensed profession unless they hold the required license in the applicable jurisdiction
• Disclose any actual or potential conflicts of interest that may affect the coaching relationship
• Maintain appropriate professional liability (errors and omissions) insurance where commercially reasonable
• Comply with all applicable laws, regulations, and professional standards governing their coaching practice

6.3 Platform Compliance. Coaches agree to:

• Maintain an active subscription as required for platform access and service listing
• Acknowledge that BESA Coaching will deduct a 15% platform commission from each completed transaction before disbursement
• Not solicit Clients to conduct transactions outside the Platform to circumvent commission obligations this prohibition survives termination of the coaching relationship
• Respond to Client inquiries and booking requests within 24 hours during normal business days
• Honor all confirmed bookings or provide adequate advance notice of cancellation per the Cancellation Policy
• Not engage in any conduct that could damage the reputation of BESA Coaching or other Platform users

6.4 Tax Obligations. Coaches are independent contractors and are solely responsible for determining, reporting, and paying all applicable taxes on income earned through the Platform, including federal and state income taxes, self-employment taxes, and any applicable sales, service, or VAT/GST taxes in their jurisdiction. BESA Coaching does not withhold income taxes on behalf of Coaches except as required by applicable law (see Section 9A for backup withholding obligations). Nothing in these Terms constitutes tax advice; Coaches should consult a qualified tax professional regarding their specific obligations. Coaches acknowledge that their failure to comply with applicable tax laws is solely their responsibility and does not create any liability for BESA Coaching.

6.5 Event and Program Obligations. Coaches who create Events or Programs through the Platform additionally agree to:

• Deliver Events and Programs as described, on the scheduled dates and times, with the content and format advertised
• Provide reasonable advance notice (minimum 72 hours) if an Event must be cancelled or significantly modified
• Understand that Event ticket sales and Program purchases are final and non-refundable under these Terms, and that cancellation of an Event by the Coach triggers refund obligations as described in Section 10
• Not misrepresent the content, format, duration, or outcomes of any Event or Program

Clients who use the Platform agree to:

• Provide accurate personal and payment information when creating an account and booking services
• Attend scheduled sessions punctually or provide advance notice of cancellation per the Cancellation Policy
• Engage with Coaches respectfully and professionally at all times
• Not record sessions, events, or programs without the explicit prior written consent of the Coach
• Understand and acknowledge that coaching is not a substitute for licensed medical, psychological, legal, financial, or other professional services
• Take full personal responsibility for all decisions made based on coaching guidance, advice, or materials
• Not share, reproduce, distribute, or commercialize Coach-provided materials, worksheets, recordings, or proprietary content without the Coach's explicit written permission
• Report any concerns about Coach conduct, safety issues, or policy violations to BESA Coaching at [email protected]
• Understand that all Event ticket purchases and Program/Course purchases are final and non-refundable as described in Sections 10 and 11

8.1 Subscription Requirement. Coaches must maintain an active subscription to list services, accept bookings, and access Platform features. BESA Coaching offers the following subscription tiers:

• Basic Plan $29.99/year: Core platform features including profile listing, booking management, basic analytics, and program creation.
• Premium Plan $10.00/month: All Basic features plus advanced tools including calendar sync, SMS reminders, CRM, session notes, intake forms, priority support, and additional analytics.

8.2 Billing. Subscription fees are billed in advance on a recurring basis (annually for Basic, monthly for Premium). By subscribing, you authorize BESA Coaching to charge your designated payment method on a recurring basis until you cancel. All fees are in U.S. Dollars.

8.3 Cancellation. You may cancel your subscription at any time through your account settings or by contacting [email protected]. Cancellation takes effect at the end of the current billing period. No prorated refunds are issued for unused subscription time, except as expressly required by applicable law.

8.4 Price Changes. BESA Coaching reserves the right to modify subscription pricing with at least 30 days' advance written notice. Continued use of the Platform after the effective date of a price change constitutes acceptance of the new pricing.

8.5 Failed Payments. If a subscription payment fails, BESA Coaching will attempt to retry the charge. If payment cannot be collected within 7 days of the due date, your account may be downgraded or suspended until payment is resolved.

9.1 Platform Commission Rate Schedule. BESA Coaching deducts a platform commission from the gross amount of each completed Transaction before disbursement. The applicable rate depends on the host type:

• Coach-Hosted Transactions (sessions, programs, coach-hosted events): BESA Coaching deducts a 15% platform commission. The Coach receives 85% of the gross Transaction amount.
• Client-Hosted Community Events: BESA Coaching deducts a 20% platform commission. The Client host receives 80% of the gross ticket revenue.
• BESA Official Events (events organized and hosted directly by BESA Coaching): BESA Coaching retains 100% of ticket revenue. No disbursement is made to a third-party host.

The commission covers platform infrastructure, payment processing, fraud prevention, customer support, marketing, and operational costs. Commission is calculated on the gross Transaction amount before any applicable taxes or fees.

9.2 Client-Hosted Community Events Approval Requirement. Registered Clients may propose Community Events through the Platform. All Community Event proposals are subject to BESA Coaching's prior written approval before publication. BESA Coaching reserves the right to approve, reject, or request modifications to any Community Event proposal at its sole discretion. Approval does not constitute BESA Coaching's endorsement of the event content, the host, or any representations made in the event listing. The 20% commission rate applies to all approved Community Events.

9.3 Payment Processing. All payments are processed through Stripe, Inc., our third-party payment processor. By using the Platform, you agree to Stripe's Terms of Service and Privacy Policy. BESA Coaching does not store full payment card numbers or sensitive cardholder data. Payment card information is tokenized and managed exclusively by Stripe.

9.4 Disbursement Schedule. BESA Coaching uses Stripe Connect to facilitate automated payouts. The disbursement schedule varies by transaction type as follows:

• Coaching Sessions (Coach-hosted): Payouts are processed automatically upon payment confirmation via Stripe Connect typically within minutes of a completed transaction. The coach receives 85% of the gross session fee directly to their connected Stripe account. BESA Coaching retains 15%.
• Programs & Courses (Coach-hosted): Payouts are processed automatically upon payment confirmation via Stripe Connect typically within minutes. The coach receives 85% of the gross program fee. BESA Coaching retains 15%.
• Coach-Hosted Events: Payouts are processed within 14 days after the Event concludes, subject to any holds for disputes, compliance reviews, or fraud investigations. The coach receives 85% of gross ticket revenue. BESA Coaching retains 15%.
• Client-Hosted Community Events: Payouts are processed within 14 days after the Event concludes, subject to holds and review. The client host receives 80% of gross ticket revenue. BESA Coaching retains 20%.
• BESA Admin-Posted Events, Programs, and Content: All revenue from events, programs, or content organized and posted directly by BESA Coaching administrators is retained in full by BESA Coaching. No third-party disbursement is made. There is no payout period applicable BESA Coaching retains 100% of all revenue from admin-posted content immediately upon payment confirmation.

All payouts to coaches and client hosts are contingent on the recipient having completed Stripe Connect onboarding with charges and payouts enabled on their connected account. If a recipient has not completed Stripe onboarding at the time of payment, funds will be held by BESA Coaching and disbursed manually upon completion of onboarding. BESA Coaching reserves the right to modify the disbursement schedule with at least 30 days' advance written notice.

9.9 Banking Information. BESA Coaching maintains its primary operating and disbursement accounts with Bank of America, N.A. All platform revenue, commission receipts, and held funds are processed through BESA Coaching's Bank of America accounts prior to disbursement via Stripe Connect. This banking relationship is disclosed in accordance with applicable financial transparency requirements. BESA Coaching's banking details are not shared publicly beyond this disclosure; any party requiring formal banking verification for contractual or compliance purposes may contact BESA Coaching at [email protected].

9.5 Holds and Reserves. BESA Coaching may place a hold on disbursements in the following circumstances: (a) active dispute or chargeback; (b) suspected fraudulent activity; (c) compliance review; (d) violation of these Terms. Held funds will be released upon resolution of the underlying issue, less any amounts owed to BESA Coaching or refunded to Clients.

9.6 Chargebacks. If a Client initiates a chargeback with their payment provider, BESA Coaching reserves the right to withhold the disputed amount from the host's pending disbursement pending resolution. Hosts who experience excessive chargebacks may have their accounts reviewed, restricted, or terminated. Hosts agree to cooperate with BESA Coaching in responding to chargeback disputes.

9.7 Commission Rate Changes. BESA Coaching reserves the right to modify commission rates with at least 60 days' advance written notice to affected hosts. Continued use of the Platform after a commission rate change constitutes acceptance of the new rate.

9.8 Currency. All Transactions on the Platform are conducted in U.S. Dollars (USD) unless otherwise specified. International users are responsible for any currency conversion fees charged by their payment provider.

9A.1 Tax Form Submission Requirement. As a condition of receiving disbursements through the Platform, all Coaches must submit a valid tax form through the Platform's secure tax compliance portal:

• U.S. Residents (IRS Form W-9): Coaches who are U.S. citizens, U.S. resident aliens, or U.S.-organized entities must submit a completed and signed IRS Form W-9 providing their legal name, address, taxpayer identification number (TIN — either a Social Security Number or Employer Identification Number), and certification that the TIN is correct and that they are not subject to backup withholding.
• Non-U.S. Residents (IRS Form W-8BEN or W-8BEN-E): Coaches who are non-U.S. individuals must submit a completed IRS Form W-8BEN. Non-U.S. entities must submit IRS Form W-8BEN-E. These forms certify foreign status and, where applicable, claim treaty benefits that may reduce or eliminate U.S. withholding tax. W-8 forms expire after three calendar years and must be renewed.
• Submission Deadline: Tax forms must be submitted before the Coach's first payout or, for existing Coaches, within 30 days of this policy's effective date. Coaches who have not submitted a valid tax form will have payouts held until the form is received and approved by BESA Coaching's compliance team.
• Form Review: BESA Coaching will review submitted forms within 5 business days. Coaches will be notified by email of approval or rejection. Rejected forms must be corrected and resubmitted within 14 days.

9A.2 IRS $600 Reporting Threshold & 1099-NEC Issuance. BESA Coaching is required by U.S. federal law to report payments to independent contractors. The following rules apply:

• $600 Annual Threshold: If a Coach's cumulative earnings through the Platform in a calendar year reach or exceed $600 USD, BESA Coaching is required to file IRS Form 1099-NEC (Nonemployee Compensation) with the Internal Revenue Service and provide a copy to the Coach by January 31 of the following year.
• Threshold Monitoring: BESA Coaching tracks each Coach's year-to-date earnings. When a Coach's earnings approach $500, BESA Coaching will send an email alert reminding the Coach to ensure their tax form is on file and approved. When earnings reach $600 without an approved tax form, backup withholding will be applied immediately.
• 1099-NEC Delivery: IRS Form 1099-NEC will be made available for secure download through the Coach's dashboard by January 31 of the year following the tax year in which the earnings were received. Coaches are responsible for ensuring their mailing address and TIN on file are accurate.
• Corrections: If a Coach believes their 1099-NEC contains an error, they must notify BESA Coaching at [email protected] by February 15 of the filing year. BESA Coaching will issue a corrected 1099-NEC if the error is confirmed.
• Sub-$600 Earnings: Coaches who earn less than $600 in a calendar year will not receive a 1099-NEC from BESA Coaching. However, all income — regardless of whether a 1099-NEC is issued — is taxable and must be reported by the Coach on their own tax return.

9A.3 Backup Withholding (24%). Under U.S. federal law (IRC § 3406), BESA Coaching is required to apply 24% backup withholding on payments to Coaches in the following circumstances:

• Missing TIN: The Coach has not provided a valid taxpayer identification number (TIN) on a W-9 or W-8 form, and cumulative earnings have reached or exceeded $600 in the calendar year.
• IRS Notification: The IRS notifies BESA Coaching that the TIN provided by the Coach is incorrect or does not match IRS records.
• Failure to Certify: The Coach fails to certify on Form W-9 that they are not subject to backup withholding, and the IRS has notified BESA Coaching to begin withholding.
• Rejected or Expired Forms: A previously submitted tax form has been rejected by BESA Coaching's compliance team or has expired (W-8 forms expire after three calendar years) and a replacement has not been submitted.

When backup withholding applies, BESA Coaching will deduct 24% from each payout and remit the withheld amount to the IRS on the Coach's behalf. Withheld amounts are reported on IRS Form 945 (Annual Return of Withheld Federal Income Tax). Coaches may be able to claim a credit for withheld amounts on their annual federal income tax return. BESA Coaching will provide documentation of amounts withheld upon request. Backup withholding is not a penalty — it is a tax prepayment mechanism required by federal law.

9A.4 International Coach Tax Obligations. Coaches who are not U.S. tax residents have the following additional obligations:

• W-8 Form Accuracy: Non-U.S. Coaches are responsible for accurately completing their W-8BEN or W-8BEN-E form, including correctly claiming any applicable tax treaty benefits. Incorrect treaty claims may result in under-withholding, for which the Coach bears sole responsibility.
• U.S. Withholding Tax: Payments to non-U.S. Coaches for services performed in the United States may be subject to U.S. withholding tax at a rate of 30% (or a lower treaty rate if applicable and properly claimed on a W-8 form). BESA Coaching will apply the applicable withholding rate based on the information provided on the Coach's W-8 form.
• Local Tax Obligations: Non-U.S. Coaches are solely responsible for complying with all tax laws in their country of residence, including income tax, VAT/GST, and any other applicable taxes on income earned through the Platform. BESA Coaching does not provide tax advice for non-U.S. jurisdictions.
• VAT/GST on Platform Fees: In certain jurisdictions, the Platform's commission may be subject to VAT, GST, or similar indirect taxes. Where applicable, BESA Coaching will include such taxes in the commission calculation or issue a separate invoice. Coaches in VAT/GST-registered jurisdictions are responsible for determining whether they must charge VAT/GST to their Clients on coaching fees.
• Permanent Establishment Risk: Coaches are responsible for ensuring that their use of the Platform does not create a taxable permanent establishment or similar tax nexus in the United States or any other jurisdiction. BESA Coaching makes no representations regarding the tax treatment of coaching income in any jurisdiction.

9A.5 Payment Eligibility Gate. A Coach's payment eligibility status is determined by their tax compliance status as follows:

• Eligible: The Coach has submitted a valid, approved tax form (W-9 or W-8). Payouts proceed normally per the disbursement schedule in Section 9.4.
• Blocked (Pre-$600): The Coach has not submitted a tax form, but cumulative earnings are below $600. Payouts are held until a valid tax form is submitted and approved. No withholding is applied.
• 24% Withholding Active: The Coach has not submitted a valid tax form and cumulative earnings have reached or exceeded $600, or the IRS has directed backup withholding. 24% is deducted from each payout and remitted to the IRS. The remaining 76% is disbursed to the Coach.

9A.6 Record-Keeping. BESA Coaching retains all tax-related records, including submitted W-9/W-8 forms, withholding transaction records, and 1099-NEC filings, for a minimum of seven (7) years from the end of the relevant tax year, in compliance with IRS record-keeping requirements. Tax documents submitted by Coaches are stored in encrypted form and accessible only to authorized BESA Coaching compliance personnel.

9A.7 No Tax Advice. Nothing in this Section or elsewhere in these Terms constitutes tax, legal, or financial advice. BESA Coaching strongly recommends that all Coaches — particularly those operating internationally or earning significant income through the Platform — consult a qualified tax professional regarding their specific obligations. BESA Coaching's tax compliance obligations are limited to those imposed on it as a U.S.-based payment platform under applicable U.S. federal law.

10.1 Final Sale Policy. All Event ticket purchases made through the BESA Coaching Platform are final, non-refundable, and non-transferable once the transaction is completed. This policy applies regardless of the reason for non-attendance, including but not limited to: scheduling conflicts, illness, travel issues, change of mind, dissatisfaction with the event content, or any other personal circumstance.

10.2 No Exceptions for Buyer Circumstances. BESA Coaching will not issue refunds for tickets based on the purchaser's inability to attend, regardless of the reason. Purchasers are strongly encouraged to review all event details including date, time, format (in-person or virtual), location, host type, and content description before completing a purchase.

10.3 Host-Cancelled Events. The only circumstance under which a ticket refund will be issued is if the Event host (Coach, Client, or BESA Coaching) cancels the Event entirely and does not reschedule it within 30 days. In such cases, ticket purchasers will receive a full refund of the ticket purchase price. All refunds for cancelled events will be distributed to ticket holders within 14 days of the originally scheduled event date. BESA Coaching's platform commission is non-refundable in all circumstances.

10.4 Community Event Cancellation. If a Client-hosted Community Event is cancelled whether by the Client host, by BESA Coaching's revocation of approval, or for any other reason ticket purchasers will receive a full refund of the ticket purchase price. All refunds for cancelled Community Events will be distributed to ticket holders within 14 days of the originally scheduled event date. BESA Coaching's 20% commission is non-refundable. The Client host is not entitled to any disbursement for a cancelled Community Event.

10.5 Rescheduled Events. If an Event is rescheduled to a new date, ticket purchases remain valid for the rescheduled date. Refunds will not be issued solely because the rescheduled date is inconvenient for the purchaser. If a purchaser cannot attend the rescheduled date, they may request a credit toward a future BESA Coaching event at BESA Coaching's sole discretion this is not guaranteed.

10.6 Significantly Modified Events. If an Event is materially changed (e.g., format changed from in-person to virtual, duration reduced by more than 50%, or primary speaker/host changed), BESA Coaching will notify ticket holders and, at its sole discretion, may offer a partial credit or refund. This determination is made by BESA Coaching on a case-by-case basis and does not constitute a general refund right.

10.7 Technical Issues. BESA Coaching is not responsible for a purchaser's inability to access a virtual event due to the purchaser's own technical issues, internet connectivity, device compatibility, or software configuration. No refunds will be issued for such circumstances. If a platform-wide technical failure prevents access to a virtual event, BESA Coaching will work with the host to reschedule or provide a recording.

10.8 Ticket Resale Prohibited. Resale or transfer of tickets for commercial gain is prohibited without BESA Coaching's prior written consent. Tickets obtained through unauthorized resale may be cancelled without refund.

10.9 Acknowledgment. By purchasing a ticket, you confirm that you have read and understood this no-refund policy and agree to it as a condition of purchase. This policy is displayed prominently at checkout and constitutes a material term of the purchase agreement.

11.1 Final Sale Policy. All Program and Course purchases made through the BESA Coaching Platform are final and non-refundable once the transaction is completed. This applies to all program formats including multi-session coaching packages, self-paced digital courses, group coaching programs, recorded content libraries, and any bundled coaching products.

11.2 No Exceptions for Buyer Circumstances. Refunds will not be issued based on: change of mind, failure to use or access the program, dissatisfaction with content, scheduling conflicts, personal circumstances, or any other reason within the purchaser's control. Purchasers are strongly encouraged to review all program details including curriculum, format, duration, session schedule, and Coach profile before completing a purchase.

11.3 Access and Delivery. Upon purchase, Clients receive access to the Program as described in the listing. BESA Coaching and the Coach are responsible for delivering the Program as advertised. If a Program is not delivered as described due to Coach default (e.g., Coach fails to deliver sessions without reasonable cause), Clients may submit a 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 or full credit this does not constitute a general refund right.

11.4 Coach-Cancelled Programs. If a Coach cancels a Program before it begins and does not reschedule within 14 days, enrolled Clients will receive a full refund of the program purchase price. BESA Coaching's platform commission is non-refundable in all circumstances.

11.5 Partial Completion. No refunds or credits are available for partially completed programs, regardless of the reason for non-completion. Clients who discontinue participation in a Program forfeit all remaining sessions and content without compensation.

11.6 Digital Content. For Programs that include digital downloads, recorded content, or other digital materials, access is granted upon purchase. Due to the immediate and irrevocable nature of digital content delivery, all such purchases are final and non-refundable from the moment of access.

11.7 Acknowledgment. By purchasing a Program or Course, you confirm that you have read and understood this no-refund policy and agree to it as a condition of purchase. This policy is displayed prominently at checkout and constitutes a material term of the purchase agreement.

11A.1 EU / EEA / UK Consumers.

• Event Tickets: The 14-day right of withdrawal under the EU Consumer Rights Directive (2011/83/EU) and UK Consumer Rights Act 2015 does not apply to event tickets for specific scheduled events (Article 16(l) exception for leisure services). Cancelled events entitle you to a full refund of the ticket face value within 14 days.
• Programs — Live Services: The 14-day right of withdrawal applies to program purchases. You may cancel within 14 days of purchase. If you request immediate commencement of the service and the service is fully performed within the withdrawal period, you lose the right of withdrawal.
• Programs — Digital Content: The right of withdrawal is lost once you expressly consent to immediate delivery of digital content and acknowledge loss of the withdrawal right. This consent is obtained at checkout.
• Non-conforming services: You have the right to a remedy, price reduction, or refund for services not delivered in conformity with the contract.
• EU ODR platform: ec.europa.eu/consumers/odr

11A.2 Australian Consumers.

• The Australian Consumer Law (ACL) guarantees apply to all event and program purchases. Services must be provided with due care and skill and be fit for purpose.
• For major failures (cancelled events/programs, fundamentally non-conforming services), you are entitled to cancel and receive a full refund.
• 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.
• Contact the ACCC at accc.gov.au for assistance.

11A.3 Brazilian Consumers.

• The Brazilian Consumer Protection Code (CDC) applies. Under Article 49, Brazilian consumers have a 7-day right of withdrawal from online purchases. For event tickets, this right may be exercised within 7 days of purchase provided the event has not yet occurred. For programs with digital content accessed immediately, the right may be limited.
• Cancelled events and programs entitle you to a full refund within 14 days.
• Contact PROCON or file complaints at consumidor.gov.br.

11A.4 Canadian Consumers.

• Applicable federal and provincial consumer protection legislation applies, including the Ontario Consumer Protection Act 2002 and the Quebec Consumer Protection Act.
• Cancelled events and programs entitle you to a full refund within the applicable timelines.
• Quebec consumers may contact the OPC at opc.gouv.qc.ca.

11A.5 Japanese Consumers.

• The Act on Specified Commercial Transactions (ASCT) and Consumer Contract Act apply. Mail-order sales do not carry a statutory cooling-off period under the ASCT.
• Certain coaching programs may qualify as specified continuous service transactions with additional cancellation rights — contact [email protected] for details.
• Contact the Consumer Affairs Agency at caa.go.jp.

11A.6 South African Consumers.

• The Consumer Protection Act 68 of 2008 (CPA) applies. A 5-business-day cooling-off period applies to direct marketing transactions only — standard online purchases are not subject to this period.
• Cancelled events and programs entitle you to a full refund within the applicable timelines.
• Contact the National Consumer Commission at thencc.gov.za.

11A.7 Singapore Consumers.

• The Consumer Protection (Fair Trading) Act (CPFTA) applies. BESA Coaching does not engage in unfair practices in connection with event or program sales.
• Cancelled events and programs entitle you to a full refund within the applicable timelines.
• Contact CASE at case.org.sg.

11A.8 Indian Consumers.

• The Consumer Protection Act 2019 and Consumer Protection (E-Commerce) Rules 2020 apply.
• BESA Coaching's Grievance Officer for Indian consumers: [email protected]. Grievances acknowledged within 48 hours, resolved within one month.
• Cancelled events and programs entitle you to a full refund within the applicable timelines.
• Complaints may be filed with the Consumer Disputes Redressal Commission.

11A.9 All Other Jurisdictions. Nothing in Sections 10 or 11 overrides mandatory consumer protection rights you have under the laws of your country of residence. If an event or program is cancelled and not rescheduled within the applicable window, you are entitled to a full refund of the purchase price regardless of your jurisdiction. For jurisdiction-specific queries, contact [email protected].

Full jurisdiction-specific details are available in our standalone policies: Event Ticket Sale Policy and Online Program & Course Sale Policy.

The following applies specifically to individual one-on-one or group coaching sessions (not Events or Programs, which are governed by Sections 10 and 11):

12.1 Sessions Are Final. All booked coaching sessions are considered final upon confirmation. By completing a booking, you acknowledge and agree that the session is a binding commitment between you and your Coach.

12.2 Rescheduling at Coach's Discretion. Rescheduling of a confirmed session may be permitted at the Coach's sole discretion and is not guaranteed. A Coach may propose new session times through the Platform's reschedule request feature. Clients have no automatic right to reschedule, and a Coach's decision not to reschedule does not entitle the Client to a refund outside the standard cancellation windows set out below.

• More than 24 hours before the session: Full refund to the original payment method, processed within 5–10 business days.
• 12–24 hours before the session: Refund eligibility is at the Coach's discretion. The Coach may offer a session credit in lieu of a refund.
• Less than 12 hours before the session / No-show: Non-refundable. See our No Show Policy for full details.
• Coach-cancelled sessions (admin-approved): Full refund to the Client. Refunds for admin-approved coach cancellations are processed within 3 to 5 business days from the date of approval. The Coach does not receive payment for cancelled sessions.

12.3 Unforeseen Circumstances. If you are unable to attend a session due to unforeseen circumstances outside your control, such as a medical emergency, family emergency, natural disaster, or other serious event, please contact our support team at [email protected] as soon as possible. Each request will be reviewed individually, and BESA Coaching will make reasonable accommodations where possible. Qualifying unforeseen circumstances include, but are not limited to:

• Documented medical emergency affecting you or an immediate family member
• Death or serious illness of an immediate family member (bereavement)
• Natural disaster, severe weather event, or government-declared emergency directly affecting your location
• Sudden loss of essential utilities (power, internet) due to circumstances beyond your control
• Other serious events of comparable severity that are genuinely outside your reasonable control

Requests submitted under this provision must be made within 48 hours of the missed or affected session and may require supporting documentation at BESA Coaching's discretion. BESA Coaching's determination on all such requests is final.

Full details are set forth in our Refund & Cancellation Policy, which is incorporated into these Terms by reference.

The following conduct is strictly prohibited. Violations may result in immediate account suspension or permanent termination, forfeiture of pending payouts, removal of content, and civil or criminal legal action:

Identity & Misrepresentation

• Impersonating any person or entity, or falsely claiming affiliation with any person, organization, or credential body
• Misrepresenting qualifications, certifications, licenses, professional experience, or areas of expertise
• Creating, soliciting, or posting fake reviews, ratings, endorsements, or testimonials
• Using another person's account or allowing others to use your account
• Creating multiple accounts to circumvent restrictions, bans, or commission obligations

Platform Integrity

• Circumventing the Platform to conduct transactions outside BESA Coaching to avoid commission obligations this includes soliciting Clients via Platform messaging to book or pay outside the Platform
• Manipulating search rankings, review systems, or platform algorithms through artificial means
• Scraping, crawling, data mining, or otherwise extracting Platform data without written authorization
• Attempting to gain unauthorized access to any part of the Platform, other user accounts, or BESA Coaching systems
• Introducing malware, viruses, ransomware, spyware, or other harmful code into the Platform
• Interfering with or disrupting the integrity or performance of the Platform or its infrastructure

User Conduct

• Harassing, threatening, intimidating, stalking, or abusing any other user
• Posting or transmitting unlawful, defamatory, obscene, pornographic, hateful, or offensive content
• Discriminating against users based on race, color, religion, sex, national origin, disability, sexual orientation, gender identity, age, or any other protected characteristic
• Engaging in any form of sexual harassment, inappropriate romantic solicitation, or boundary violations
• Soliciting personal contact information from other users for purposes outside the Platform
• Engaging in or facilitating any form of financial exploitation of Clients

Legal Violations

• Using the Platform for any unlawful purpose or in violation of any applicable law or regulation
• Facilitating or engaging in money laundering, fraud, identity theft, or other financial crimes
• Violating any applicable export control, sanctions, or anti-corruption laws
• Infringing the intellectual property rights of BESA Coaching or any third party
• Violating any applicable consumer protection, advertising, or unfair competition laws

14.1 BESA Coaching IP. The Platform and all of its components including its design, software, source code, algorithms, trademarks, service marks, logos, trade dress, and all related intellectual property are owned by or licensed to B.E.S.A and are protected by U.S. and international intellectual property laws, including the Copyright Act, Lanham Act, and applicable trade secret laws. No rights are granted to you except as expressly set forth in these Terms.

14.2 Restrictions. You may not, without BESA Coaching's express prior written permission: reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, transmit, reverse engineer, decompile, or disassemble any part of the Platform or its content.

14.3 User Content License. By submitting content to the Platform (including profile information, reviews, messages, session materials, and other user-generated content), you grant BESA Coaching a non-exclusive, worldwide, royalty-free, sublicensable, and transferable license to use, reproduce, modify, adapt, publish, translate, distribute, publicly display, and create derivative works of such content, solely for the purpose of operating, improving, and promoting the Platform. You represent and warrant that you own or have the right to grant this license and that your content does not infringe any third-party rights.

14.4 Coach Materials. Coaches retain full ownership of their proprietary coaching materials, frameworks, methodologies, worksheets, and content. Clients receive a limited, personal, non-transferable license to use such materials solely for their own personal development. Clients may not reproduce, distribute, sell, sublicense, or commercialize Coach materials without the Coach's explicit written consent.

14.5 Feedback. Any feedback, suggestions, ideas, or recommendations you provide to BESA Coaching regarding the Platform may be used by BESA Coaching without restriction, compensation, or attribution to you.

14.6 DMCA. BESA Coaching respects intellectual property rights. To submit a copyright infringement notice under the Digital Millennium Copyright Act, contact [email protected] with the required DMCA information.

The Platform integrates with third-party services including Stripe, Inc. (payment processing), Zoom Video Communications (video conferencing), and others. Your use of these services is governed by their respective terms of service and privacy policies, which you are responsible for reviewing. BESA Coaching is not responsible for the availability, security, accuracy, or performance of any third-party service.

The Platform may contain links to third-party websites or resources. These links are provided for convenience only. BESA Coaching does not endorse, control, or assume responsibility for the content, privacy practices, products, or services of any third-party website. Accessing third-party links is at your own risk.

BESA Coaching is not responsible for any loss or damage arising from your use of or reliance on any third-party service, content, or website.

THE PLATFORM AND ALL SERVICES, CONTENT, AND MATERIALS AVAILABLE THROUGH IT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, B.E.S.A EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

• IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT
• WARRANTIES THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS
• WARRANTIES REGARDING THE ACCURACY, COMPLETENESS, OR RELIABILITY OF ANY CONTENT ON THE PLATFORM
• WARRANTIES THAT COACHING SERVICES WILL MEET YOUR EXPECTATIONS OR PRODUCE ANY PARTICULAR OUTCOME, RESULT, INCOME LEVEL, OR IMPROVEMENT
• WARRANTIES REGARDING THE ACCURACY OR COMPLETENESS OF COACH CREDENTIALS, QUALIFICATIONS, OR REPRESENTATIONS
• WARRANTIES THAT DEFECTS IN THE PLATFORM WILL BE CORRECTED

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES. IN SUCH JURISDICTIONS, THE ABOVE EXCLUSIONS APPLY TO THE FULLEST EXTENT PERMITTED BY LAW. YOUR STATUTORY RIGHTS ARE NOT AFFECTED.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL B.E.S.A, ITS OFFICERS, DIRECTORS, MEMBERS, EMPLOYEES, AGENTS, AFFILIATES, LICENSORS, OR SERVICE PROVIDERS BE LIABLE FOR ANY:

• INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES OF ANY KIND
• LOSS OF PROFITS, REVENUE, BUSINESS OPPORTUNITIES, DATA, GOODWILL, OR ANTICIPATED SAVINGS
• DAMAGES ARISING FROM YOUR RELIANCE ON COACHING ADVICE, GUIDANCE, OR MATERIALS
• DAMAGES RESULTING FROM ACTIONS TAKEN OR NOT TAKEN BASED ON COACHING SESSIONS, PROGRAMS, OR EVENTS
• DAMAGES ARISING FROM THE CONDUCT, ADVICE, SERVICES, OR OMISSIONS OF ANY COACH
• DAMAGES RESULTING FROM UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA
• DAMAGES ARISING FROM ANY THIRD-PARTY SERVICES, CONTENT, OR WEBSITES
• DAMAGES ARISING FROM PLATFORM DOWNTIME, ERRORS, OR TECHNICAL FAILURES
• DAMAGES ARISING FROM YOUR INABILITY TO ATTEND AN EVENT OR ACCESS A PROGRAM

AGGREGATE LIABILITY CAP. IN NO EVENT SHALL BESA COACHING'S TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATED TO THESE TERMS OR YOUR USE OF THE PLATFORM EXCEED THE GREATER OF: (A) THE TOTAL FEES ACTUALLY PAID BY YOU TO BESA COACHING IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100.00).

THESE LIMITATIONS APPLY REGARDLESS OF THE LEGAL THEORY UNDER WHICH DAMAGES ARE SOUGHT (CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, STATUTE, OR OTHERWISE) AND EVEN IF BESA COACHING HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THESE LIMITATIONS ARE A FUNDAMENTAL ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN YOU AND BESA COACHING.

SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS OF LIABILITY. IN SUCH JURISDICTIONS, THESE LIMITATIONS APPLY TO THE FULLEST EXTENT PERMITTED BY LAW.

To the fullest extent permitted by applicable law, you agree to indemnify, defend, and hold harmless B.E.S.A and its officers, directors, members, employees, agents, affiliates, successors, and assigns (collectively, "Indemnified Parties") from and against any and all claims, demands, actions, liabilities, damages, losses, judgments, settlements, costs, and expenses (including reasonable attorneys' fees and court costs) arising out of or relating to:

• Your access to or use of the Platform or any services obtained through it
• Your violation of these Terms or any applicable law, regulation, or third-party right
• Your violation of any third-party rights, including intellectual property rights, privacy rights, or publicity rights
• Any content you submit to, post on, or transmit through the Platform
• Your coaching services (for Coaches) or your engagement with coaching services (for Clients)
• Any dispute between you and another user of the Platform
• Your misrepresentation of any information provided to BESA Coaching or other users
• Your negligence, willful misconduct, or fraud

BESA Coaching reserves the right, at its own expense, to assume exclusive control of any matter subject to indemnification by you. You agree to cooperate fully with BESA Coaching's defense of any such claim and not to settle any such claim without BESA Coaching's prior written consent.

19.1 Informal Resolution First. Before initiating any formal dispute proceeding, you agree to contact BESA Coaching at [email protected] and attempt to resolve the dispute informally. Both parties agree to negotiate in good faith for a period of 30 days from the date of notice. Many disputes can be resolved quickly through direct communication.

19.2 Binding Arbitration. If informal resolution fails after 30 days, any dispute, claim, or controversy arising out of or relating to these Terms, the Platform, or any services obtained through it including questions about the validity, enforceability, or scope of this arbitration agreement shall be resolved exclusively by binding individual arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules (available at www.adr.org), rather than in any court.

19.3 Arbitration Procedures. The arbitration shall be conducted by a single neutral arbitrator. The seat of arbitration shall be Virginia, United States, though hearings may be conducted by video conference. The arbitrator shall apply Virginia law. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction. The costs of arbitration shall be allocated per AAA rules.

19.4 Class Action Waiver. YOU AND BESA COACHING AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person's claims and may not preside over any form of class or representative proceeding. If this class action waiver is found unenforceable, the entire arbitration agreement shall be null and void.

19.5 Jury Trial Waiver. TO THE EXTENT ANY DISPUTE IS NOT SUBJECT TO ARBITRATION, YOU AND BESA COACHING EACH WAIVE ANY RIGHT TO A JURY TRIAL.

19.6 Exceptions. Notwithstanding the above, either party may seek emergency injunctive or other equitable relief in a court of competent jurisdiction to prevent irreparable harm pending arbitration. Claims for intellectual property infringement may be brought in court without first proceeding through arbitration.

19.7 Opt-Out Right. You may opt out of this arbitration agreement by sending written notice to [email protected] within 30 days of first accepting these Terms. Your notice must include your name, email address, and a clear statement that you are opting out of arbitration. Opting out does not affect any other provision of these Terms.

19.8 Time Limitation. Any claim arising from or related to these Terms must be brought within one (1) year after the cause of action accrues, or it is permanently barred.

These Terms are governed by and construed in accordance with the laws of the Commonwealth of Virginia, United States, without regard to its conflict of law principles or the United Nations Convention on Contracts for the International Sale of Goods.

To the extent any dispute is not subject to arbitration under Section 19, you irrevocably consent to the exclusive personal jurisdiction and venue of the state and federal courts located in Virginia for the resolution of such dispute.

If you are accessing the Platform from outside the United States, you are responsible for compliance with all applicable local laws. The Platform is not directed to users in jurisdictions where its use would be prohibited by applicable law.

20.1 EU / EEA / UK Users. Nothing in these Terms limits any rights you have as a consumer under applicable EU, EEA, or UK law that cannot be excluded or limited by contract. In particular: (a) if you are an EU or UK consumer, you may have the right to bring proceedings in the courts of your country of residence; (b) the mandatory consumer protection laws of your country of residence apply to the extent they provide greater protection than Virginia law; (c) the EU Online Dispute Resolution platform is available at ec.europa.eu/consumers/odr; (d) the 14-day statutory right of withdrawal under the EU Consumer Rights Directive applies to digital service subscriptions, except where you have expressly requested immediate performance and acknowledged loss of the withdrawal right.

20.2 Australian Users. Nothing in these Terms 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. Where the Australian Consumer Law applies, our 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.

20.3 Canadian Users. These Terms are subject to applicable Canadian federal and provincial consumer protection legislation. Quebec residents may have additional rights under the Consumer Protection Act (Loi sur la protection du consommateur).

20.4 Brazilian Users. These Terms are subject to the Brazilian Consumer Protection Code (Código de Defesa do Consumidor — CDC) and the LGPD to the extent applicable. Mandatory consumer rights under Brazilian law are not waived by these Terms. Brazilian consumers have a 7-day right of withdrawal from online purchases under Article 49 of the CDC — see Section 11A.3 and our standalone Event Ticket Sale Policy and Online Program & Course Sale Policy for details.

20.5 Japanese Users. These Terms are subject to the Act on Specified Commercial Transactions (ASCT) and the Consumer Contract Act to the extent applicable. BESA Coaching provides required pre-contractual disclosure for mail-order sales. See Section 11A.5 for details.

20.6 South African Users. These Terms are subject to the Consumer Protection Act 68 of 2008 (CPA) to the extent applicable. Mandatory consumer rights under the CPA are not waived by these Terms. See Section 11A.6 for details.

20.7 Singapore Users. These Terms are subject to the Consumer Protection (Fair Trading) Act (CPFTA) and the Personal Data Protection Act 2012 (PDPA) to the extent applicable. See Section 11A.7 for details.

20.8 Indian Users. These Terms are subject to the Consumer Protection Act 2019 and the Digital Personal Data Protection Act 2023 (DPDP Act) to the extent applicable. BESA Coaching's Grievance Officer for Indian consumers: [email protected]. See Section 11A.8 for details.

20.9 Full Jurisdiction-Specific Policies. Detailed jurisdiction-specific consumer rights for event ticket and program purchases are set out in our standalone Event Ticket Sale Policy and Online Program & Course Sale Policy, which form part of these Terms.

21.1 Termination by You. You may close your account at any time through your account settings or by contacting [email protected]. Account closure does not relieve you of obligations incurred prior to termination, including payment obligations for completed transactions and any outstanding amounts owed to BESA Coaching.

21.2 Termination by BESA Coaching. BESA Coaching may suspend or permanently terminate your account, with or without prior notice, for any of the following reasons:

• Violation of these Terms, the User Agreement, or any incorporated policy
• Fraudulent, abusive, deceptive, or illegal activity
• Conduct that harms, threatens, or harasses other users, BESA Coaching, or third parties
• Non-payment of subscription fees, commission, or other amounts owed
• Misrepresentation of credentials, qualifications, or identity
• Excessive chargebacks or payment disputes
• Extended inactivity (Coach accounts inactive for more than 12 consecutive months)
• Any other reason at BESA Coaching's sole and absolute discretion

21.3 Effect of Termination. Upon termination: (a) your right to access the Platform ceases immediately; (b) BESA Coaching may delete your account data subject to our data retention obligations under applicable law; (c) any pending payouts may be withheld pending resolution of outstanding disputes, chargebacks, or compliance reviews; (d) all licenses granted to you under these Terms immediately terminate. The following sections survive termination: 2, 6.4, 9, 10, 11, 14, 16, 17, 18, 19, 20, and 22.

22.1 Entire Agreement. These Terms, together with the Privacy Policy, Cookie Policy, User Agreement, Refund & Cancellation Policy, No Show Policy, Coaching Disclaimer, and Standard Service Contract, constitute the entire agreement between you and BESA Coaching with respect to the Platform and supersede all prior agreements, representations, and understandings.

22.2 Severability. If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.

22.3 Waiver. BESA Coaching's failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. Any waiver must be in writing and signed by an authorized representative of BESA Coaching.

22.4 Assignment. You may not assign or transfer your rights or obligations under these Terms without BESA Coaching's prior written consent. BESA Coaching may freely assign these Terms in connection with a merger, acquisition, sale of assets, or operation of law.

22.5 Force Majeure. BESA Coaching shall not be liable for any failure or delay in performance resulting from causes beyond its reasonable control, including acts of God, natural disasters, pandemic, war, terrorism, government action, internet or telecommunications failures, or power outages.

22.6 Notices. BESA Coaching may provide notices to you via email to your registered address, through the Platform interface, or by posting on the Platform. You may provide notices to BESA Coaching at [email protected]. Notices are effective upon sending (for email) or upon posting (for Platform notices).

22.7 No Third-Party Beneficiaries. These Terms do not create any third-party beneficiary rights.

22.8 Headings. Section headings are for convenience only and do not affect the interpretation of these Terms.

For questions, legal notices, or concerns regarding these Terms: