Terms of Service & Privacy Policy

Terms of Service: Effective Date: 1/1/2025

Welcome to The Collective Coaching! By accessing or using our website, services, or purchasing any of our products, you agree to be bound by the following Terms of Service (“Terms”). Please read these carefully before completing your purchase.

1. General Overview
1.1 These Terms govern your use of the products and services offered by The Collective Coaching (“we,” “us,” or “our”).
1.2 By purchasing or using our services, you agree to comply with these Terms and all applicable laws

2. Purpose

The Collective Coaching exists to help professionals uncover their potential and provides a community of resources to support personal and business growth. However, success in the mortgage industry takes time—our sales cycles can range from

30 days to multiple years. Your results will be directly tied to your engagement and consistent implementation of what you learn.

3. Term of Agreement

3.1 The term of this Agreement depend on the product selected. We offer both weekly products, one time purchase products and ongoing products with monthly billing. This gives you flexibility with no long-term commitment.

3.2 Billing continues automatically on any recurring product until you cancel.

4. Purchases
4.1 All sales are final. By completing a purchase, you agree to pay the full amount as displayed during checkout.
4.2 Charges will appear on your statement as The Collective Coaching.

5. Digital Product Access
5.1 All products and services are delivered digitally. Access details will be sent to the email address you provide at checkout.
5.2 It is your responsibility to ensure the email address provided is accurate.

6. Refund Policy
6.1 All purchases are non-refundable unless otherwise stated in writing.
6.2 Requests for refunds or cancellations will not be honored once access to the product or service has been provided.

7. Cancellation Policy

7.1 If you wish to cancel your automatic renewal, you must submit your request to [email protected] at least 30 days before your next billing cycle to avoid being charged for the upcoming week.

7.2 Any cancellation made before the end of the current billing week will incur a cancellation fee equal to 80% of the weekly membership fee for the remaining time in that billing cycle. The cancellation fee will be due upon cancellation.

7.3 Cancellations take effect at the end of the current billing week, and no prorated refunds will be provided.

8. Account Usage
8.1 You are responsible for keeping your login credentials secure.
8.2 Sharing login information is strictly prohibited and may result in account termination without refund.

9. Support
9.1 For assistance, contact us at [email protected].
9.2 We strive to respond to all inquiries within 48 hours, excluding weekends and holidays.

10. Dispute Resolution
10.1 If you encounter an issue, you agree to contact us directly at [email protected] before initiating any chargeback or dispute with your bank.
10.2 Chargebacks without prior communication may result in permanent account suspension.

11. All Sales Are Final
11.1 Due to the digital nature of our products and services, all purchases are final and non-refundable.
11.2 By completing a purchase, you acknowledge that you have reviewed the product details and agree to these terms.

12. Exceptional Circumstances
12.1 Refunds may only be considered in cases of duplicate charges or technical errors on our part.
12.2 To request a review of your case, contact us at [email protected] with your receipt and details of the issue.

13. Chargebacks
13.1 Filing a chargeback without contacting us first is a violation of our terms and may result in account suspension.
13.2 If a chargeback is initiated, we reserve the right to dispute the claim with evidence of the purchase and delivery of services.

14. Access Issues
14.1 If you encounter issues accessing your purchased product or service, please email [email protected] within 24 hours for assistance.

15. Modifications
15.1 We reserve the right to modify these Terms at any time. Updates will be posted on our website with the effective date noted.

Privacy Policy: Effective Date: 1/1/2025

Introduction
The Collective Coaching (“we,” “our,” “us”) values your privacy and is committed to protecting your personal data. This Privacy Policy explains how we collect, use, and safeguard your information when you visit our website (thecollectivecoaching.com).

Information We Collect

Personal Information:
- Name, email address, phone number, and other details you provide when creating an account, subscribing to services, or contacting us.
Non-Personal Information:
- Browser type, device information, IP address, and website usage statistics.

How We Use Your Information
We may use your information to:

Provide and improve our services.
Communicate with you about updates, offers, and events.
Process payments and manage subscriptions.
Ensure website security and detect fraud.

Sharing Your Information
We do not sell your personal information. We may share your data with:

Trusted third-party service providers for payment processing, analytics, and marketing.
Authorities if required by law.

Cookies and Tracking
We use cookies to enhance your browsing experience. By using our website, you consent to our use of cookies. You can manage your cookie preferences through your browser settings.

Data Security
We implement appropriate technical and organizational measures to protect your data. However, no system is completely secure.

Your Rights
You have the right to:

Access, correct, or delete your personal data.
Opt-out of marketing communications.
Lodge a complaint with a data protection authority.

Third-Party Links
Our site may include links to external sites. We are not responsible for their privacy practices.

Changes to This Policy
We may update this policy from time to time. Please review it periodically.

Contact Us
For questions or concerns, contact us at:
Email: [email protected]