User Agreement

Coaches on the BESA Coaching platform are independent contractors, not employees, agents, partners, joint venturers, or franchisees of B.E.S.A. This distinction has important legal and practical implications:

• BESA Coaching does not direct, supervise, or control the manner, method, or means by which Coaches provide their services
• Coaches set their own schedules, rates, and service offerings
• Coaches are not entitled to employee benefits, workers' compensation, unemployment insurance, or other employment-related protections from BESA Coaching
• Coaches are solely responsible for their own professional conduct, service quality, and compliance with applicable laws
• BESA Coaching does not withhold income taxes, Social Security, or Medicare taxes from Coach earnings — Coaches are responsible for all applicable self-employment taxes
• Nothing in this Agreement or the Terms of Service creates an employment relationship between BESA Coaching and any Coach

Coaches acknowledge that they are operating as independent businesses and are responsible for maintaining any required business licenses, insurance, and professional certifications applicable to their coaching practice.

International Coaches. Coaches operating outside the United States are solely responsible for compliance with all applicable employment, tax, and business registration laws in their jurisdiction. BESA Coaching does not provide legal or tax advice for international Coaches and recommends consulting a local professional advisor.

Coaches are required to maintain an active subscription to list services and accept bookings on the Platform. BESA Coaching offers two subscription tiers:

• Basic Plan — $29.99/year: Core platform features including profile listing, booking management, 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, and priority support.

Subscription fees are non-refundable except as required by applicable law or as described in the Refund & Cancellation Policy. Failure to maintain an active subscription will result in profile deactivation and suspension of booking capabilities until the subscription is renewed.

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

EU / UK Subscription Rights. EU and UK consumers who subscribe to the Premium Plan have a 14-day right of withdrawal from the date of subscription, unless they have expressly requested immediate access to Premium features and acknowledged the loss of the withdrawal right at checkout.

BESA Coaching deducts a platform commission from the gross amount of each completed transaction before disbursement. The applicable rate and payout timing depends on the transaction type:

• Coach-Hosted Sessions & Programs: By registering as a Coach, you expressly authorize BESA Coaching to automatically deduct a 15% platform commission. The Coach receives the remaining 85% of the gross transaction amount, paid out automatically upon payment confirmation via Stripe Connect — typically within minutes of a completed transaction.
• Coach-Hosted Events: BESA Coaching deducts a 15% platform commission. The Coach receives 85% of gross ticket revenue, disbursed within 14 days after the Event concludes, subject to holds for disputes or compliance review.
• Client-Hosted Community Events: By proposing a Community Event, you authorize BESA Coaching to deduct a 20% platform commission from all ticket revenue. The Client host receives 80% of gross ticket sales, disbursed within 14 days after the Event concludes, subject to holds for disputes or compliance review.
• BESA Admin-Posted Events, Programs & Content: All events, programs, and content organized and posted directly by BESA Coaching administrators are retained in full by BESA Coaching. BESA Coaching retains 100% of all revenue immediately upon payment confirmation. No holding period applies and no disbursement is made to any third party.

This commission covers platform development, maintenance, infrastructure, payment processing, fraud prevention, customer support, marketing, and legal compliance. Commission is calculated on the gross transaction amount before any applicable taxes or fees.

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

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. Parties requiring formal banking verification for contractual or compliance purposes may contact BESA Coaching at [email protected].

Registered Clients may propose Community Events through the Platform. The following terms apply specifically to Client-hosted Community Events:

• Approval Required: All Community Event proposals must be reviewed and approved by BESA Coaching before publication. BESA Coaching may approve, reject, or request modifications at its sole discretion. Approval does not constitute endorsement of the event content or the host.
• Host Responsibilities: The Client host is solely responsible for delivering the event as described, including all content, speakers, logistics, and any in-person venue arrangements. BESA Coaching is not a party to the event and bears no responsibility for its delivery.
• Commission: BESA Coaching deducts a 20% platform commission from all ticket revenue. The Client host receives 80% of gross ticket sales, disbursed within 14 days after the event concludes, subject to any holds for disputes, compliance reviews, or fraud investigations.
• Cancellation: If a Community Event is cancelled — by the Client host, by BESA Coaching's revocation of approval, or for any other reason — all ticket purchasers will receive a full refund. All refunds for cancelled events will be distributed to ticket holders within 14 days of the originally scheduled event date. The Client host is not entitled to any disbursement for a cancelled event. BESA Coaching's 20% commission is non-refundable.
• Revocation of Approval: BESA Coaching reserves the right to revoke approval for any Community Event at any time prior to or during the event if the event violates these Terms, BESA Coaching's community standards, or applicable law.
• Indemnification: Client hosts agree to indemnify and hold harmless BESA Coaching from any claims, damages, or liabilities arising from their Community Event, including claims by attendees, venue operators, or third parties.

BESA Coaching reserves the right to request verification of any credentials, certifications, licenses, or qualifications listed on a Coach's profile at any time. Coaches agree to:

• Provide accurate and truthful information about all credentials and qualifications
• Submit verification documentation within 10 business days of a verification request
• Promptly update their profile if any credential expires, is revoked, or is otherwise no longer valid
• Not list credentials they do not hold or that are not current

BESA Coaching's display of a "Verified" credential indicator does not constitute an endorsement of the Coach's services or a guarantee of the credential's accuracy. Verification is conducted to the extent reasonably practicable and is not exhaustive.

By using the BESA Coaching platform to engage coaching services, Clients acknowledge and agree that:

• Coaching services are provided by independent professionals, not employees or agents of BESA Coaching
• Coaching is not a substitute for licensed medical, psychological, legal, or financial advice — see the Coaching Disclaimer for full details
• Results from coaching are not guaranteed and depend significantly on the Client's own effort and commitment
• They are responsible for evaluating the suitability of any Coach before booking, including reviewing the Coach's profile, credentials, and reviews
• BESA Coaching does not independently verify all Coach credentials and cannot guarantee their accuracy
• They will engage with Coaches respectfully and in accordance with the platform's conduct standards
• They will not attempt to circumvent the Platform to conduct transactions directly with Coaches outside BESA Coaching

Both Coaches and Clients are strictly prohibited from soliciting or conducting transactions outside the BESA Coaching platform to circumvent platform fees and commissions. This includes:

• Sharing personal payment information (PayPal, Venmo, bank details, etc.) for the purpose of off-platform payment
• Soliciting direct contact information (personal email, phone number) for the purpose of booking sessions outside the Platform
• Agreeing to conduct sessions that were initiated through the Platform but paid for outside the Platform
• Offering or accepting discounts in exchange for off-platform transactions

Violations of this provision may result in immediate account termination and forfeiture of pending payouts. BESA Coaching may pursue legal remedies for damages caused by off-platform circumvention.

Exception: Coaches and Clients who have an established relationship predating their use of the BESA Coaching platform may continue that relationship outside the Platform, provided they did not first connect through the Platform.

All users of the BESA Coaching platform agree to the following standards of conduct:

Non-Discrimination. BESA Coaching is committed to an inclusive platform. Users may not discriminate against other users based on race, color, religion, sex, national origin, disability, sexual orientation, gender identity, age, or any other characteristic protected by applicable law. Discriminatory conduct is grounds for immediate account termination.

Respectful Communication. All communications on the Platform must be respectful and professional. Harassment, threats, intimidation, hate speech, and abusive language are strictly prohibited.

Honest Reviews. Reviews and ratings must reflect genuine experiences. Fake, incentivized, or retaliatory reviews are prohibited. Coaches may not offer incentives in exchange for positive reviews.

Privacy Respect. Users must respect the privacy of other users and may not share personal information obtained through the Platform without consent.

Intellectual Property. Users may not reproduce, distribute, or commercialize coaching materials, session recordings, or Platform content without the express written consent of the rights holder.

Prohibited Content. Users may not post, share, or transmit content that is illegal, defamatory, obscene, fraudulent, or that infringes any third-party rights.

Reporting Violations. Users who observe violations of these conduct standards are encouraged to report them to [email protected]. BESA Coaching will investigate all good-faith reports promptly.

BESA Coaching is committed to making the Platform accessible to all users, including those with disabilities. Our accessibility commitments include:

• We strive to meet Web Content Accessibility Guidelines (WCAG) 2.1 Level AA standards across the Platform
• The Platform is designed to be compatible with screen readers and other assistive technologies
• We provide text alternatives for non-text content where technically feasible
• We aim to ensure sufficient color contrast ratios for text and interactive elements
• Keyboard navigation is supported throughout the Platform

If you encounter accessibility barriers on the Platform, please contact us at [email protected] with a description of the issue. We will make reasonable efforts to address accessibility concerns promptly.

Accommodation Requests. Users who require specific accommodations to use the Platform (e.g., alternative formats for legal documents, captioning for video content) may contact [email protected]. We will work with you to provide reasonable accommodations.

Coaches and Accessibility. Coaches are encouraged to consider the accessibility needs of their Clients and to offer accommodations where possible (e.g., captioning, alternative communication formats, flexible session formats for clients with disabilities).

BESA Coaching may use AI and machine learning technologies for the following purposes:

No Automated Decision-Making with Legal Effects. BESA Coaching does not use fully automated decision-making (without human review) to make decisions that have legal or similarly significant effects on users, such as account termination, payment blocking, or eligibility determinations. All such decisions involve human review.

Your Rights Regarding AI. Under applicable law (including GDPR Article 22), you have the right to:

• Request information about how AI features affect decisions that impact you
• Request human review of any automated decision that significantly affects you
• Object to the use of your data for AI training or profiling (see Section 13)
• Opt out of non-essential AI features through your account settings

For questions about AI features or to exercise your rights, contact [email protected].

In the event of a dispute between a Client and a Coach, the parties agree to:

• First attempt to resolve the dispute directly and in good faith
• If direct resolution fails, either party may request BESA Coaching's assistance in mediating the dispute
• BESA Coaching may, at its sole discretion, assist in mediation but is not obligated to do so
• BESA Coaching's decision in platform-related disputes (including refund decisions) is final
• Disputes not resolved through the above process are subject to the arbitration provisions in the Terms of Service

BESA Coaching is not a party to disputes between Coaches and Clients and is not liable for the outcome of any such dispute.

Video coaching sessions conducted via Zoom are subject to Zoom's Terms of Service and Privacy Policy, available at zoom.us/terms. BESA Coaching is not responsible for the availability, security, performance, or privacy practices of Zoom or any other third-party service.

Users are responsible for:

• Maintaining their own Zoom accounts where required
• Ensuring their Zoom software is up to date
• Complying with Zoom's Terms of Service
• Reporting Zoom-related technical issues to BESA Coaching support for assistance

BESA Coaching does not record Zoom sessions unless both parties have explicitly consented to recording through the Platform.

Other Third-Party Services. The Platform integrates with Stripe (payments), and may integrate with other third-party services. Each third-party service has its own terms and privacy policy. BESA Coaching is not responsible for the practices of third-party services. Links to relevant third-party policies:

• Stripe Privacy Policy
• Zoom Privacy Policy

Coach Tax Obligations. Coaches are solely responsible for determining, reporting, and paying all applicable taxes on income earned through the Platform, including:

• Federal and state income taxes (U.S. Coaches)
• Self-employment taxes (Social Security and Medicare) for U.S. Coaches
• Any applicable state or local business taxes
• Sales or service taxes where applicable
• VAT, GST, or equivalent consumption taxes for international Coaches
• All applicable taxes in the Coach's country of residence and any country where services are delivered

BESA Coaching may issue IRS Form 1099-NEC or other required tax documentation to Coaches who meet applicable reporting thresholds (currently $600 or more in a calendar year for U.S. Coaches). This documentation will be provided electronically through the Platform.

BESA Coaching does not provide tax advice. Coaches are encouraged to consult a qualified tax professional regarding their tax obligations.

Client Tax Obligations. Clients are responsible for determining whether coaching expenses are tax-deductible in their jurisdiction. BESA Coaching does not provide tax advice to Clients.

VAT / GST. BESA Coaching may be required to collect and remit VAT, GST, or similar consumption taxes on subscription fees and platform services in certain jurisdictions. Where applicable, tax will be added to the stated price at checkout. Coaches who are VAT-registered businesses may be eligible for reverse-charge treatment — contact [email protected] for details.

BESA Coaching respects your data rights under applicable privacy laws. Depending on your jurisdiction, you may have the following rights regarding your personal data:

To exercise any of these rights, visit our Privacy Controls page or contact [email protected]. We will respond to verified requests within the timeframes required by applicable law (generally 30 days for GDPR, 45 days for CCPA).

For full details on how we collect, use, and protect your personal data, see our Privacy Policy and Data Processing Agreement.

Nothing in this User Agreement overrides mandatory consumer protection rights you have under the laws of your country of residence. Key jurisdiction-specific rights include:

EU / EEA / UK Consumers. You have rights under the EU Consumer Rights Directive (2011/83/EU), the Unfair Contract Terms Directive (93/13/EEC), and equivalent UK law. Mandatory consumer rights cannot be waived by contract. You may have the right to bring proceedings in the courts of your country of residence.

Australian Consumers. The Australian Consumer Law (ACL) provides consumer guarantees that cannot be excluded. For major failures, you are entitled to cancel and receive a full refund.

Brazilian Consumers. The Consumer Protection Code (CDC) applies. You have a 7-day right of withdrawal from online purchases under Article 49 of the CDC.

Canadian Consumers. Federal and provincial consumer protection legislation applies. Quebec residents have additional rights under the Consumer Protection Act.

Indian Consumers. The Consumer Protection Act 2019 and E-Commerce Rules 2020 apply. BESA Coaching's Grievance Officer: [email protected] (acknowledged within 48 hours, resolved within one month).

For full jurisdiction-specific consumer rights, see our Terms of Service (Section 20) and our standalone Event Ticket Sale Policy and Online Program Sale Policy.

Either party may terminate this User Agreement at any time by closing their account through the Platform settings or by contacting [email protected].

BESA Coaching reserves the right to suspend or terminate accounts that:

• Violate this User Agreement, the Terms of Service, or any incorporated policy
• Engage in fraudulent, abusive, or illegal activity
• Harm other users, BESA Coaching, or the platform community
• Fail to maintain an active subscription (for Coach accounts)
• Misrepresent credentials or qualifications
• Conduct off-platform transactions in violation of Section 6

Upon termination, outstanding obligations (including commission on completed transactions and payment for delivered services) remain in effect. Confidentiality obligations survive termination.

Data Upon Termination. Upon account closure, BESA Coaching will retain your data for the periods required by applicable law and our data retention policy. You may request deletion of your data subject to legal retention obligations by visiting our Privacy Controls page.