TERMS AND CONDITIONS & LICENSING AGREEMENT

Financial Coach Training Programme

Catherine Morgan Limited, trading as The Money Panel

Part I: Terms and Conditions

These terms and conditions (“Terms”) apply to the delivery of The Money Panel programmes (“the Programme”) by Catherine Morgan Limited (“the Provider”, “We”, “Us”, “Our”), a company registered in Jersey, Channel Islands under company number 137407, whose registered office is at 1-3 Colomberie, St Helier, Jersey, JE2 4QB, trading as The Money Panel, to you, the person or entity purchasing the Programme (“the Client”, “You”).

By signing this Agreement, you are agreeing to abide by these Terms, as set out below.

Company Structure and Payment Arrangements

You are entering into a service agreement with Catherine Morgan Limited, a company registered in Jersey, Channel Islands, trading as The Money Panel. All services under these Terms are delivered by Catherine Morgan Limited from Jersey.

For payment processing convenience, Programme Fees are collected through our UK entity, The Money Panel Ltd (registered in England and Wales, company number 10267198, registered office at 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ), acting solely as a payment collection agent on behalf of Catherine Morgan Limited.

All contractual obligations, service delivery, liability, and dispute resolution sit with Catherine Morgan Limited (Jersey). The Money Panel Ltd (UK) has no liability to you under these Terms other than the obligation to process payments and refunds correctly.

Introduction

These Terms, along with our Privacy Notice and Website Terms of Use (which can be viewed at www.catherinemorgan.com) represent the entire agreement between us and apply to the exclusion of any other terms that you may try and impose or incorporate or which may be implied by trade, custom, practice or in any previous course of dealings. These Terms shall take priority over any other documents in the event a conflict arises.

1. Definitions and Interpretation

1.1. For the purposes of this Agreement, unless the context otherwise requires, the following expressions have the following meanings:

• “Alumni Membership” means the optional continuing membership available after expiry of the initial 12-month access period, providing ongoing access to programme materials and community as set out in Section 14;
• “Alumni Fee” means the subscription fee for Alumni Membership, payable either monthly or annually as selected by the Client;
• “Certification Practice Session” means a recorded coaching session of 30–40 minutes’ duration, conducted with either a peer or a real client, demonstrating competent use of the Money Narratives Clearing® framework, submitted as part of the certification requirements for Option B;
• “Client” means an individual who has purchased and/or is accessing the Programme;
• “Client Content” means any comments, information, content, photographs or graphics provided to us by a Client,
• “Cohort" means the live group delivery of the Programme, the commencement date, end date, and full schedule of which shall be confirmed to you in writing at the point of purchase or, in the case of advance bookings made under clause 4A, no later than two months before the Cohort commencement date in accordance with clause 4A.5;
• "Cohort Session" means each live online group training session delivered as part of the Cohort, the dates and times of which shall be confirmed to you in writing at the point of purchase or in accordance with clause 4A.5 (where applicable), and which shall be set out in the Cohort Schedule provided to you;
• "Cohort Period" means the period from the commencement date of the first Cohort Session to the conclusion of the final Cohort Session, as set out in the Cohort Schedule provided to you.
• “Company” means Catherine Morgan Limited, 1-3 Colomberie, St Helier, Jersey, JE2 4QB, Channel Islands (company number 137407), trading as The Money Panel;
• “Confidential Information” means any ideas, know-how, business practices, customer/client details, personal data, materials, coaching tools, content, data, software, documents, resources, video and audio recordings, presentations, downloads, podcasts, workbooks, methods, concepts and techniques, systems, plans, trade secrets, and other confidential and/or proprietary information;
• “Content” means any materials, information, tools, videos, resources, data and other content;
• “Core Training Videos” means the required video content within the online learning platform that must be watched and marked as complete in order to fulfil the certification requirements for Option B;
• "Early Bird Deposit" means the non-refundable deposit of £500 (or USD $680 for participants paying in United States Dollars, or such other amount as may be specified on the relevant sales page) payable to secure a place on a specified future Cohort, as set out in Section 4A;
• “Intellectual Property” means any copyright, database right, design right, patent, registered design, service mark, trademark and any application for any of the above whether current or pending and whether in Jersey, the UK or any other part of the world;
• “Method” means the Money Narratives Clearing® method created, developed and owned by us which will be delivered as part of the Programme;
• “Money StoryTypes® Assessment” means the proprietary assessment tool owned by us which identifies a Client’s money story type from the five archetypes (Impulsive, Architect, Enabler, Pacifist, and Innovator), made available as part of Orientation and the Programme;
• “Orientation” means the pre-Cohort onboarding experience made available to enrolled Cohort participants during the period between completion of enrolment and the commencement of the live Cohort, as described in clause 2.8 and Schedule 1;
• “Orientation Live Calls” means the monthly online group calls of approximately 60 minutes’ duration delivered via Zoom (or such other platform as we may notify) during the Orientation period, as described in clause 2.8;
• “Orientation Materials” means the Content made available to you as part of Orientation, including (without limitation) the first curriculum module, the embodied heart breathing practice, the Money StoryTypes® Assessment, and the PDF reading list and reflection prompts;
• “Payment Agent” means The Money Panel Ltd, 71-75 Shelton Street, London, WC2H 9JQ (company number 10267198, registered in England and Wales), which collects payments on behalf of the Company;
• “Personal Data” means any information which is capable of identifying another individual as further defined within the Data Protection (Jersey) Law 2018, the UK GDPR and the Data Protection Act 2018;
• “Practice Sessions” means the monthly online group sessions available to Option B clients, designed for continued learning, coaching practice and skill development, with up to 12 sessions available during the 12-month access period;
• “Private Group” means any private online area, membership area or private community platform where programme content and community discussions are hosted;
• “Programme” means either Option A: The Financial Coaching Tools Programme, or Option B: The Money Panel Certified Financial Coach Programme (Full Certification Journey);
• “Programme Fee” means the total cost of the Programme excluding any additional administration costs or reassessment costs;
• “Reflection” means a short written, audio, or video submission in which the Client reflects on their learning and development, submitted as part of the certification requirements for Option B;
• “Services” means the services which a Client purchasing the Programme will have access to, as set out in Schedule 1;
• “Sessions” means any training session provided as part of the Services, including Practice Sessions and Certification Practice Sessions;

2. Programme Options

2.1. You may choose between two programme options:

Option A: Financial Coaching Tools Programme (Pathway 1)

• Standalone coaching tools and methods training
• No certification pathway
• Access to foundational materials and community

Option B: The Money Panel Certified Financial Coach Programme (Pathway 2)

• Complete certification journey including all tools from Option A
• Pathway to official certification as a Money Panel Certified Financial Coach
• Enhanced licensing rights upon certification
• The Financial Coach Marketing course, included as standard for all Pathway 2 participants

2.2. The details of the Services included as part of each Programme option are set out in Schedule 1 attached to these Terms.

2.3. When you purchase either Programme you may be offered complimentary additional services or bonus offers. All additional or bonus services are limited in number and availability and are offered at our discretion. We reserve our rights to change, amend or withdraw any additional or bonus services at any time, without notice.

2.4. Both Programmes will be delivered virtually using online platforms and systems and/or remote communication only and no alternative will be provided.

2.4A. Delivery Format

The Programme may be delivered as a self-paced programme (with access commencing on the date of purchase) or as part of a scheduled Live Cohort with defined start and end dates and a published schedule of live sessions. The delivery format, dates, session schedule, and any associated platform or technical requirements for each Cohort will be published separately and notified to participants at the time of booking or enrolment. All other terms of this Agreement apply equally to self-paced and Live Cohort participants.

Where the Programme is delivered as part of a Live Cohort:

• (a) The Early Bird Deposit and future Cohort Booking provisions set out in Section 4A (clauses 4A.1 to 4A.15) apply, where the participant has booked via early bird;
• (b) The 12-month access period under clause 3.1 shall commence on the date on which access to Programme materials is first granted (which may be the Cohort Start Date or such earlier date as we may notify), in accordance with clause 4A.13;
• (c) Live Cohort Sessions will, where technically practicable, be recorded and made available to enrolled participants in accordance with clause 2.7A.2. Participants who are unable to attend a live session may access any available recording. Attendance at live sessions is encouraged but is not mandatory unless expressly stated as a certification requirement under clause 3.3.

2.5. Any information, Content, support, materials or guidance we provide as part of the Services is intended for a group audience and should not be relied upon as information personal to you, unless we expressly advise otherwise and it does not constitute legal, medical or financial advice.

2.6. As part of your access to either Programme, you will have access to a private area within our online learning platform and community platform. It shall be your responsibility to provide the correct information to create your account and to keep your password or any other access information private, safe and secure.

2.7A. Cohort Sessions – Attendance and Recordings

2.7A.1. The scheduled dates and times for each Cohort Session are set out in Schedule 1. It is your responsibility to attend each Cohort Session at the scheduled time. We are not able to offer alternative dates, one-to-one replacements, or refunds in respect of any Cohort Session you are unable to attend.

2.7A.2. Where technically practicable, Cohort Sessions will be recorded and made available to enrolled participants via the online learning platform within 48 hours of the session taking place. We do not guarantee that every session will be recorded, nor that recordings will be free from technical defects. The availability of recordings does not substitute for live attendance for the purposes of any certification requirements under clause 3.3.

2.7A.3. By enrolling in the Cohort and attending any Cohort Session, you acknowledge and consent to being recorded for the purposes described in this clause. You may manage your participation level as follows:

(a) Full participation with camera and microphone enabled; (b) Audio participation with camera disabled; (c) Observation only with both camera and microphone disabled.

2.7A.4. Recordings of Cohort Sessions are made available to enrolled participants for personal learning use only. You must not download, share, distribute, upload, or otherwise make available any recording to any third party. Recordings will be accessible for the duration of your 12-month access period and will not be available after expiry of that period.

2.7A.5. You must not make your own independent recording of any Cohort Session without our express prior written consent.

2.8. Orientation (Pre-Cohort Access)

2.8.1. Orientation is a pre-Cohort onboarding experience made available to participants who have enrolled in a live Cohort. We currently deliver the Programme exclusively through scheduled live Cohorts. Your Orientation access begins once your enrolment is complete and continues until the commencement of your live Cohort.

2.8.2. Orientation includes the following, each as further described in Schedule 1: (a) the first curriculum module, comprising three lessons covering the philosophy of financial coaching, the Money Narratives Clearing® framework, and an introduction to money and the nervous system; (b) the full embodied heart breathing practice; (c) the Money StoryTypes® Assessment; (d) the Orientation Live Calls; and (e) a PDF reading list and reflection prompts.

2.8.3. Orientation access is provided in addition to, and forms no part of, the 12-month access period referred to in clause 3.1. The provision of Orientation does not commence, extend, or reduce the 12-month access period, which shall begin on the Cohort Start Date (or such earlier date as we may notify) in accordance with clauses 2.4A and 4A.13, irrespective of the date on which your Orientation access begins.

2.8.4. The number of Orientation Live Calls available to you depends on the date on which your enrolment completes. Any Orientation Live Call held before your enrolment completes will not be available to you. We do not guarantee any minimum number of Orientation Live Calls, that any Orientation Live Call will be recorded, or that any recording will be made available. No refund, credit, replacement, alternative date, or one-to-one substitute will be provided in respect of any Orientation Live Call that has already taken place, that you are unable to attend, or that you choose not to attend, for any reason.

2.8.5. The embodied heart breathing practice and certain other Orientation Materials include somatic, breathwork, and emotional-pattern practices. The disclaimers, acknowledgements, and restrictions set out in Section 12 (including, without limitation, clauses 12.2 to 12.6 concerning emotional responses, when not to participate, and seeking professional help) apply in full to your participation in Orientation, from the moment your Orientation access is granted. References in Section 12 to “the Programme” include Orientation and all Orientation Materials.

2.8.6. The Orientation Materials are Programme Materials and Confidential Information for the purposes of these Terms. All provisions relating to Intellectual Property, licensing, confidentiality, and permitted use (including Sections 5, 6, 7 and 8 and clauses 12.10 and 12.11) apply to the Orientation Materials. The Money StoryTypes® Assessment and any results, outputs, or reports generated from it are provided for your personal learning and development only and may not be reproduced, distributed, or used commercially.

2.8.7. Cooling-off and Orientation. Notwithstanding clauses 9.3 and 4A.15, you may cancel your Cohort enrolment within fourteen (14) days of the date on which your enrolment completes and your Orientation access is granted, and receive a refund of the Programme Fee paid by you, save that any Early Bird Deposit shall continue to be governed by clauses 4A.4 and 4A.6. The release of Orientation Materials to you, and your access to or use of them, during this 14-day period does not affect, waive, or reduce this cancellation right. After this 14-day period has expired, the no-refund provisions in clause 9.3 apply and no refund of the Programme Fee (including in respect of Orientation) will be available. This 14-day cancellation right is offered to all clients in all jurisdictions as a matter of policy and applies in addition to any statutory cancellation rights you may have under the consumer protection laws of your country of residence.

3. Programme Access and Certification

3.1. Access to both Programme options is granted for a period of 12 months from the date of purchase. Access will expire at the end of this 12-month period unless you enrol in Alumni Membership in accordance with Section 14.

3.2. For Option A (Tools Programme): You will receive access to foundational tools and methods but will not be eligible for certification, unless you decide to upgrade to Option B at an additional cost.

3.3. For Option B (Full Certification Programme): To become certified as a Money Panel Certified Financial Coach, you must:

• Watch all core training videos and mark completion in the learning platform
• Attend 3 full online Practice Sessions within 12 months of joining
• Coach at least once using the full 6-step Money Narratives Clearing® Framework on one of these calls
• Submit one Certification Practice Session (30–40 mins) within 12 months (with peer or real client)
• Submit a Short Reflection (written, audio, or video)

3.4. Upon successful completion of certification requirements (Option B only), you will receive:

• Email confirmation of your certification status
• Details of any learning points or recommendations where applicable
• A certificate confirming your status as a Money Panel Certified Financial Coach

3.5. Upon expiry of the 12-month access period, your access to the following will be automatically terminated:

• All course materials, including videos, downloads, workbooks, and training content
• The online learning platform courses and any associated resources
• Online monthly practice sessions (up to 12 available during the 12-month access period)

3.5.2. Following expiry of the 12-month access period, you may either:

• (a) Allow your access to expire, in which case you will retain any certificates earned during the programme period and any materials you have legitimately downloaded during your access period in accordance with the licensing terms; or
• (b) Continue as an Alumni Member in accordance with Section 14 of these Terms.

3.5.3. For Option B (Certified Financial Coach Programme) clients, your certification status and associated licensing rights remain valid beyond the 12-month access period and beyond any Alumni Membership period, subject to continued compliance with these Terms.

3.5.4. We reserve the right to remove inactive community members at our discretion to maintain the quality and relevance of community discussions.

3.5.5. No refunds will be provided for unused monthly practice sessions or any other programme elements upon expiry of the access period.

4. Payment Terms

4.1. The Programme Fee for either option may be paid either:

• (a) In full at the time of purchase (with an available discount), or
• (b) In 12 consecutive monthly instalments

4.2. When purchasing either Programme, you agree to provide full payment of the Programme Fee. If you choose to pay by instalments, you remain responsible for the entire Programme Fee until paid in full.

4.3. Payment is collected by The Money Panel Ltd (UK) on behalf of Catherine Morgan Limited (Jersey) and must be made via Stripe. You are responsible for checking any terms and conditions relating to the way Stripe will process your payment and any personal data you provide to them.

4.4. Time for payment of the Fee or any instalment of the Fee shall be of the essence and shall be made without deduction, set-off, or any form of withholding except as is required by law.

4.5. Where payment is made by instalments, each instalment received shall be credited to the outstanding amount of the Fee owed by you until we have received payment of the Fee in full.

4.6. Your entitlement to access the Programme during the 12-month access period is conditional upon full payment of the Programme Fee. Where any payment of the Fee or any instalment of the Fee is outstanding, we reserve the right to suspend or terminate your access to the Programme in accordance with these Terms, regardless of any remaining time in your 12-month access period.

4.7 The Programme Fee is payable in the currency selected by the Client at the point of purchase (either British Pounds Sterling (GBP) or United States Dollars (USD)). The currency selected at checkout shall be the currency of the contract between the Client and the Company for all purposes under these Terms, including any refund, late payment charge, or debt recovery. The currency selected at checkout shall be the currency of the contract between the Client and the Company for all purposes under these Terms, including any refund, late payment charge, or debt recovery.

4.8 Where the Client's payment method is denominated in a currency other than the selected payment currency, the Client shall be solely responsible for any currency conversion fees, exchange rate charges, or other costs applied by the Client's bank, card provider, or payment processor. The Company shall not be liable for any loss arising from exchange rate fluctuations.

4.9 Any refund to which the Client may be entitled shall be processed in the original payment currency. The Company shall not be liable for any difference in value resulting from exchange rate movements between the date of payment and the date of refund.

4.10 We reserve the right to change the Fee at any time. Any change will not affect purchases already made but will apply to all future purchases.

5. Licensing Terms

5.1. For Option A (Tools Programme): Upon full payment, we grant you a limited, non-exclusive, personal licence to use the coaching tools and methods for your personal coaching practice only. This licence does not include the right to represent yourself as certified or use our brand commercially.

5.2. For Option B (Full Certification Programme): Upon successful certification as a Money Panel Certified Financial Coach, we grant you a non-exclusive, worldwide, non-transferable licence to:

• (a) Represent yourself as a Money Panel Certified Financial Coach
• (b) Use the Money Narratives Clearing® framework
• (c) Use the provided Coaching Materials
• (d) Use The Money Panel® Brand in accordance with these Terms

5.3. All licensing is granted on the following conditions:

• (a) You maintain compliance with all terms of this Agreement
• (b) You use the materials and methods in accordance with the training provided
• (c) You maintain professional standards in your practice

5.4. The licence granted is personal to you and cannot be transferred, assigned, or sub-licensed to any other person or entity.

6. Client Obligations

6.1. When using the licensed materials and methods, you agree to:

6.1.1. Use the materials only for their intended purpose with your individual clients and small groups (up to 15 people)

6.1.2. Not modify or alter the core Money Narratives Clearing® framework

6.1.3. Always credit The Money Panel® Brand and Money Narratives Clearing® framework in your materials and communications (Option B only)

6.1.4. Not teach or train others in the use of the method or materials

6.1.5. Maintain appropriate professional insurance coverage

6.1.6. Comply with all applicable laws and regulations in your practice

6.2. For Option B (Certified Coaches) only, you are permitted to:

• (a) Deliver one-on-one coaching sessions
• (b) Deliver group coaching sessions (up to 15 people)
• (c) Deliver webinars for the purpose of marketing your coaching services
• (d) Create audio or video recordings for marketing purposes
• (e) Deliver live events, face to face or online workshops for up to 15 people
• (f) Market your coaching services under The Money Panel Brand

6.3. For Option A (Tools Programme), commercial use is limited to personal coaching practice only without brand representation or certification claims.

6.4. Scope of Practice

6.4.1. Acknowledgment of Scope. Upon certification as a Money Panel Certified Financial Coach, you acknowledge and agree that:

• (1) You are trained and certified as a financial coach, not as a therapist, counsellor, psychologist, psychiatrist, psychotherapist, or other mental health professional;
• (2) Your certification does not qualify you to diagnose, treat, or provide clinical intervention for any mental health condition, disorder, or illness;
• (3) The Practices you are licensed to use are coaching and educational tools, not therapeutic interventions;
• (4) Your certification does not authorise you to provide regulated financial advice, investment advice, or guidance on specific financial products unless you separately hold the appropriate regulatory authorisation in your jurisdiction (such as FCA authorisation in the United Kingdom);
• (5) You are responsible for understanding and complying with any regulatory requirements, professional standards, or codes of conduct that may apply to your practice in the jurisdiction(s) in which you operate.

6.4.2. Communication with Clients. When working with clients as a Money Panel Certified Financial Coach, you must:

• (1) Clearly communicate to each client, before commencing any coaching engagement, the scope and limitations of your services;
• (2) Ensure that clients understand that you are providing coaching services, not therapy, counselling, or mental health treatment;
• (3) Ensure that clients understand that you are not providing regulated financial advice (unless you hold separate authorisation to do so);
• (4) Use written terms of engagement or a client agreement that accurately describes the nature and scope of your services;
• (5) Not make representations about your qualifications, expertise, or services that are false, misleading, or exceed the scope of your certification.

6.4.3. Referral Obligations. You must refer clients to appropriate qualified professionals when:

• (1) A client presents with issues that are outside the scope of financial coaching, including but not limited to mental health conditions, trauma requiring clinical intervention, addiction, domestic abuse, or safeguarding concerns;
• (2) A client requires regulated financial advice, debt advice from an authorised provider, or guidance on specific financial products;
• (3) A client’s needs exceed your competence, training, or experience;
• (4) You observe signs that a client may be at risk of harm to themselves or others;
• (5) A client experiences a significant adverse reaction to any Somatic Practice or coaching technique.

6.4.4. Professional Boundaries. You must maintain appropriate professional boundaries with clients at all times, including:

• (1) Recognising the limitations of the coach-client relationship;
• (2) Not entering into dual relationships that may impair your professional judgment or create a conflict of interest;
• (3) Not exploiting the trust, dependency, or emotions of clients for personal, financial, or other gain beyond agreed coaching fees;
• (4) Maintaining appropriate confidentiality in accordance with your client agreement and applicable laws;
• (5) Ending coaching relationships appropriately when they are no longer serving the client’s best interests.

6.4.5. Prohibited Activities. As a Money Panel Certified Financial Coach, you must NOT:

• (1) Diagnose or purport to diagnose any mental health condition, disorder, or illness;
• (2) Provide or purport to provide psychotherapy, counselling, or clinical mental health treatment;
• (3) Prescribe or recommend medication or medical treatments;
• (4) Provide regulated financial advice, investment advice, or advice on specific financial products unless you hold separate authorisation to do so;
• (5) Represent yourself as a therapist, counsellor, psychologist, or mental health professional;
• (6) Work with clients who have disclosed active suicidal ideation, self-harm, or psychosis without ensuring they are also receiving appropriate professional support;
• (7) Continue working with a client when it becomes apparent that their needs are beyond the scope of coaching.

6.4.6. Breach of Scope. Any breach of the scope of practice provisions in this section shall be considered a material breach of this Agreement and may result in immediate suspension or termination of your certification and licence in accordance with Section 9.

6.5. Cohort Participant Conduct

6.5.1. You acknowledge that the live Cohort involves group participation in which other participants may share personal, financial, and emotionally sensitive information. You agree to treat all such information as strictly confidential and not to disclose, repeat, or share outside the Cohort environment anything shared by another participant, whether during or after the Cohort Period.

6.5.2. The confidentiality obligation in clause 6.5.1 shall continue indefinitely following the conclusion of the Cohort Period.

6.5.3. You agree not to record, screenshot, or capture any content shared by other participants in any Cohort Session, including but not limited to their name, image, voice, or any personal information they disclose.

6.5.4. Any breach of this clause may result in immediate removal from the Cohort without refund, and we reserve the right to seek damages for any loss caused by a breach of participant confidentiality.

7. Intellectual Property Rights

7.1. All Intellectual Property Rights in the Programme, including but not limited to the Money Narratives Clearing® framework, Money StoryTypes®, the Money StoryTypes® Assessment, The Money Panel® Brand, all Coaching Materials, training content and resources remain the exclusive property of Catherine Morgan Limited or its licensors.

7.2. Your use of our Intellectual Property is strictly limited to:

• (a) Your personal use in delivering coaching services (as defined by your chosen option)
• (b) Marketing your services as a certified coach (Option B only)
• (c) Use within the scope of your licence grant

7.3. You must not:

• (a) Copy, reproduce, or distribute any materials except as explicitly permitted
• (b) Create derivative works based on our materials
• (c) Modify our branding or trademarks (Option B)
• (d) Apply for any trademark or patent related to our intellectual property
• (e) Challenge or assist others in challenging our intellectual property rights

7.4. You must immediately notify us of any unauthorised use or infringement of our intellectual property rights that comes to your attention.

7.5. Upon termination of this Agreement for any reason, you must:

• (a) Cease using all licensed materials and methods
• (b) Remove all references to being a Money Panel Certified Financial Coach (Option B only)
• (c) Return or destroy all materials in your possession
• (d) Cease using The Money Panel® Brand (Option B only)

8. Confidentiality

8.1. The protection of confidentiality is very important to us. When you disclose or share any information it will be kept strictly confidential, and when information is disclosed to you, or where it is disclosed by another Client, you agree that the information belongs solely and exclusively to the person disclosing it.

8.2. You agree to:

• (a) Not disclose, communicate, reproduce or distribute confidential information
• (b) Not use confidential information for your own benefit, whether personally or commercially
• (c) Not use information for any unlawful purposes or in a way that would cause harm or distress
• (d) Protect all confidential information with appropriate security measures

8.3. These confidentiality obligations exclude information that:

• (a) Was already known to you before it was provided
• (b) Is already in the public domain
• (c) Was created by you independently
• (d) Was provided by a third party without breach of any obligation

9. Termination and Cancellation

9.1. We may terminate this Agreement with immediate effect if:

• (a) You breach any material term of this Agreement
• (b) You act in a way that could damage our reputation
• (c) You misuse our intellectual property
• (d) You fail to maintain professional standards
• (e) You become insolvent or unable to pay your debts

9.2. Upon termination:

• (a) All rights granted to you under this Agreement cease immediately
• (b) You must stop using all licensed materials and methods
• (c) You must cease representing yourself as a Money Panel Certified Financial Coach (Option B only)
• (d) You must remove all references to our brand from your materials
• (e) Any outstanding fees become immediately payable

9.3. Cancellation

9.3. No refund policy shall apply to your purchase of the Services as the programme provides instant access to all materials. Should you choose not to continue to the end of the Course or Programme for any reason full payment will still be required. Tickets for all events, including training sessions and workshops, are strictly non-refundable. In the event of a cancellation or inability to attend, you may request a transfer to a future event date, subject to availability and our discretion.

9.3A. Cohort Enrolments

9.3A.1. Where you have enrolled in a live Cohort, the no-refund policy set out in clause 9.3 and 4A.6 applies from the date of purchase. The Programme Fee is calculated on the basis of the full Cohort programme as described in Schedule 1, and not on your actual level of attendance at any individual Cohort Session.

9.3A.2. Partial refunds will not be granted in respect of Cohort Sessions missed or not attended, irrespective of the reason for non-attendance.

9.3.3. For the avoidance of doubt, where a participant has paid an Early Bird Deposit in accordance with Section 4A, the refund, transfer, and forfeiture terms set out in Section 4A (clauses 4A.1 to 4A.15) shall apply to the Early Bird Deposit. The general no-refund provisions of this Section 9.3 shall apply to all other Programme Fees paid. Where a participant has paid an Early Bird Deposit but has not yet been granted access to the Programme, the justification for the no-refund policy set out in this Section 9.3 (namely, that the Programme provides instant access to all materials) shall not apply to the Early Bird Deposit, which is instead governed exclusively by Section 4A.

9.3A.4. We may, entirely at our discretion, offer you a transfer to a future cohort where you are unable to complete the current Cohort due to exceptional circumstances. Any such transfer is a gesture of goodwill only and does not create a contractual entitlement to transfer or to a refund.

9.3.1. In light of our refund policy, no chargeback or threatened chargeback claims from your debit or credit card provider will be accepted by us. If you have any concerns with the Services then you agree to notify us in accordance with this Agreement. If you choose to pursue a chargeback claim without first contacting us then you accept that such action shall constitute a breach of this Agreement and you shall indemnify us for the repayment of any charges, costs or fees imposed on us by your debit or credit provider or our merchant service provider as a result of your actions, along with our reasonable costs for dealing with the matter calculated at a rate of £100 per hour.

9.3.2. You may end this Agreement by providing us with 14 days’ notice. Please remember that no refunds apply and you will still be liable for full payment of the Programme Fee, as applicable, despite any notice of cancellation.

9.3.3. For the avoidance of doubt, where a participant has paid an Early Bird Deposit in accordance with Section 4.11, the refund, transfer, and forfeiture terms set out in clauses 4.11 to 4.18 shall apply to the Early Bird Deposit. The general no-refund provisions of this Section 9.3 shall apply to all other Programme Fees paid. Where a participant has paid an Early Bird Deposit but has not yet been granted access to the Programme, the justification for the no-refund policy set out in this Section 9.3 (namely, that the Programme provides instant access to all materials) shall not apply to the Early Bird Deposit, which is instead governed exclusively by clauses 4.11 to 4.18.

9.3.4. Orientation. Where you have been granted Orientation access, the 14-day cancellation right set out in clause 2.8.7 shall apply. Save as expressly provided in clause 2.8.7 and Section 4A, no refund, credit, or transfer shall be available in respect of Orientation, the Orientation Materials, or the Orientation Live Calls, each of which forms part of the Programme.

9.4. We shall be entitled to limit your access to the Services or suspend and/or terminate this Agreement with immediate effect and without refund of any Fee, whether paid or remaining due and payable, if we reasonably determine that:

• You have committed a material breach of any of your obligations under this Agreement; or
• You have failed to provide payment of any sum due to us as and when it becomes due; or
• You have become subject to a bankruptcy or similar financial order or proceedings; or
• You enter into an insolvency arrangement or are otherwise unable to pay your debts; or
• You cease trading or an administration or similar financial order is made; or
• You have acted or behaved dishonestly, fraudulently, or in a way which we reasonably consider may have a detrimental effect on our business or reputation; or
• You have failed to positively engage with the Services or impaired the delivery of the Services to you or a Client; or
• You have acted in a way which is abusive or is intended to cause offence to us or a Client; and/or
• You have failed to abide by any term of this Agreement or any other guidance we may provide whether such action constitutes a material breach or not.

9.5. Upon termination of this Agreement for any reason:

• Your access to all Course or Programme Services (as applicable), any private social media accounts, any Content, any Private Groups and any other online resources, will be removed, unless expressly agreed otherwise. We will not be liable to you for any claims relating to the removal of that access;
• Any Fee or other monies owed by you to us will become immediately due and payable;
• Any terms of this Agreement which either expressly or by their nature relate to the period of time after termination and/or the Services have been delivered, shall remain in full force and effect;
• You shall cease to use, either directly or indirectly any Content, our Method or any Confidential Information belonging to us, or provided by us to you and shall immediately return to us or destroy any copies in your possession or control.

9.6. To notify us of cancellation, you are required to inform our customer service team directly by email to support@catherinemorgan.com.

10. Liability and Indemnification

10.1. We do not warrant or guarantee that:

• (a) The Programme will be free from interruptions or errors
• (b) The Programme will be suitable for your particular circumstances
• (c) Any specific business or financial results will be achieved

10.2. Our total liability under this Agreement shall not exceed the amount you have paid for the Programme.

10.3. Nothing in this Agreement limits our liability for:

• (a) Death or personal injury caused by our negligence
• (b) Fraud or fraudulent misrepresentation
• (c) Any liability which cannot be legally excluded

11. General Terms

11.1. This Agreement represents the entire agreement between us and supersedes all prior agreements.

11.2. If any provision of this Agreement is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

11.3. This Agreement shall be governed by the laws of Jersey, Channel Islands, and the Royal Court of Jersey shall have exclusive jurisdiction.

12. Disclaimers

12.1. IMPORTANT: Please read this section carefully as it contains important information about the nature of the Programme and your participation in it. For the purposes of this Section, references to “the Programme” include the Orientation experience and all Orientation Materials, and the acknowledgements and restrictions in this Section apply equally to your participation in Orientation from the moment your Orientation access is granted.

12.2. Nature of the Programme. The Programme includes content relating to trauma-informed techniques, and work with emotional patterns and beliefs about money. You acknowledge that these practices may bring up emotional responses, memories, physical sensations, or psychological material that you find challenging or distressing.

12.3. Educational Purpose Only. You acknowledge and agree that:

• (1) The Programme is provided for educational and professional development purposes only;
• (2) The Programme does not constitute medical advice, mental health treatment, psychotherapy, counselling, or any form of healthcare;
• (3) The Programme is not a substitute for professional medical, psychological, or psychiatric care;
• (4) Nothing in the Programme should be construed as a diagnosis or treatment of any medical or mental health condition;
• (5) The Practices included in the Programme are provided within the scope of coaching and education, not therapy or medical treatment.

12.4. Personal Responsibility. You acknowledge and agree that:

• (1) Your participation in the Programme is entirely at your own risk;
• (2) You are responsible for your own physical and emotional well-being during and after participation in the Programme;
• (3) You should consult with appropriate healthcare professionals before beginning the Programme if you have any concerns about your physical or mental health;
• (4) You are responsible for making your own decisions about whether to participate in any particular exercise, practice, or activity within the Programme;
• (5) You will immediately stop any practice and seek appropriate professional support if you experience distress or discomfort.

12.5. When NOT to Participate. You should NOT participate in this Programme, or should seek medical advice before participating, if you:

• (1) Are currently experiencing severe depression, anxiety, or other acute mental health symptoms;
• (2) Have been diagnosed with or suspect you have post-traumatic stress disorder (PTSD) without being under the care of a qualified mental health professional;
• (3) Are experiencing suicidal thoughts or self-harm urges;
• (4) Have active substance abuse or addiction issues that are not being professionally treated;
• (5) Have been advised by a medical or mental health professional to avoid somatic practices, breathwork, meditation, or emotional exploration work;
• (6) Are in a current crisis situation requiring immediate professional intervention.

12.6. Seek Professional Help. If you experience overwhelming emotional distress, flashbacks, panic attacks, dissociation, or other concerning symptoms while participating in the Programme:

• (1) STOP the practice or exercise immediately;
• (2) Seek help from a qualified mental health professional;
• (3) Contact emergency services if you are in immediate danger or crisis.

If you are uncertain whether this Programme is appropriate for you, please consult with your doctor, therapist, or other qualified healthcare provider before proceeding.

12.7. No Guarantee of Results. You acknowledge and agree that:

• (1) We make no guarantees, representations, or warranties regarding the outcomes you may or may not achieve from participating in the Programme;
• (2) Individual results vary and depend on numerous factors including but not limited to your personal circumstances, commitment, prior experience, and individual differences;
• (3) Any testimonials or examples of results shared as part of the Programme or in our marketing materials are not intended to represent or guarantee that you will achieve the same or similar results;
• (4) The Programme does NOT guarantee any specific financial outcomes, business results, or changes to your income or financial situation.

12.8. Professional Standards. We confirm that:

• (1) The Company maintains appropriate professional indemnity insurance for the delivery of the Programme;
• (2) The Programme is developed and delivered by qualified professionals with appropriate training and experience in financial coaching and the modalities included in the Programme;
• (3) The Practices included in the Programme are provided within the scope of coaching and education, not therapy or medical treatment.

12.9. Release from Liability. To the fullest extent permitted by law:

• (1) You release the Company, its directors, employees, contractors, and affiliates from any and all liability for any physical, emotional, psychological, or financial consequences arising from your participation in the Programme;
• (2) This release applies whether such consequences were foreseeable or not;
• (3) This clause does not exclude or limit liability that cannot be excluded or limited under applicable consumer protection laws, including liability for death or personal injury caused by our negligence or for fraud or fraudulent misrepresentation.

12.10. AI Asset Data Privacy Disclaimer

Company may utilise artificial intelligence (“AI”) assets or tools in connection with the creation, development, editing, or enhancement of this Programme, including but not limited to content generation, copy editing, design support, and workflow efficiencies (“AI Asset”). Any AI Asset provided to you is subject to human direction, review, and finalisation. The Company will exercise professional judgement and oversight in all aspects of the services and deliverables of the Program, including AI Assets. The Company takes reasonable steps to protect any confidential or personally-identifying information submitted by you through the AI Asset, and The Company uses all AI Assets in a manner intended to maintain confidentiality and data security.The Company do not or will not sell or share your confidential or personally-identifying data submitted through any AI Assets with any third parties. However, you acknowledge that certain AI Assets may access or process data through third-party platforms, and The Company cannot guarantee the security or confidentiality of information once transmitted outside of its direct control. Accordingly, you understands that when personally-identifying information, including but not limited to protected health information or other confidential, proprietary, financial, business, legal, or other sensitive data, is submitted to The Company through the AI Assets, The Company cannot guarantee the security or confidentiality of this information.

12.11. Restrictions on Use of AI Assets & Program Materials

You understands and acknowledges that the information provided in or this Programme, including but not limited to the Programme course content, frameworks, templates, assessments, worksheets, methodologies, recordings, and any other materials provided to The Company (collectively, “Programme Materials”) and AI Assets have been developed or obtained by The Company through the investment of significant time, effort and expense, and that the Programme Materials and AI Assets are valuable, special and unique assets of The Company which need to be protected from improper and unauthorised use. The Company expressly agree that you will not use the Program Materials and AI Assets in any way that is contrary to these legal terms. You agree that you are clearly and expressly forbidden from inputting, uploading, or otherwise providing any of the Programme Materials and AI Assets to train, fine-tune, or otherwise contribute to any artificial intelligence (“AI”) machine learning systems, large language models (LLMs) or automated content generation technologies existing now or in the future, without The Company express written permission. You may use Programme Materials and AI Assets for your own personal, non-commercial use, such as summarisation, analysis, or rewriting for your own personal knowledge and understanding, but not for any commercial or business purpose or use. You are prohibited from duplicating, sharing, or creating derivative works of the Programme Materials or AI Assets. Client is prohibited from training any other person or business in how to use or create the same or substantially similar Programme Materials and/or AI Assets. You acknowledge that any unauthorised use of Programme Materials, including the AI Asset, in violation of these restrictions may cause immediate and irreparable harm to The Company for which monetary damages alone may be insufficient. Accordingly, The Company shall be entitled to seek injunctive or equitable relief, in addition to any other rights and remedies available under applicable law. The Programme Materials and AI Assets remain the intellectual property of The Company unless otherwise expressly assigned in writing. Use of the Programme Materials and AI Assets does not alter ownership rights or grant you any rights beyond those expressly set forth in these legal terms. You agree and understand that for any violation of this section or the AI Asset Data Privacy Disclaimer section above, The Company reserves the right to terminate your access to the Programme and Programme Materials, including the AI Assets, at any time without a refund or any other type of recourse.

13. Recording and Consent Requirements

13.1. Certification Practice Session Recordings. As part of the certification requirements for Option B, you are required to submit a recording of a Certification Practice Session demonstrating your use of the Money Narratives Clearing™ framework. This section sets out the requirements that apply to such recordings.

13.2. Consent Requirements. Before recording any coaching session for submission as part of your certification (whether conducted with a peer or a client), you must:

• (1) Obtain written consent from the person being coached using the Recording Consent Form provided by us, or a consent form in substantially similar terms that has been approved by us in advance;
• (2) Ensure that the person being recorded understands and agrees to the purpose of the recording, who will have access to it, how it will be used, and how long it will be retained;
• (3) Retain a copy of the signed Recording Consent Form for your records for a minimum period of six (6) years;
• (4) Provide a copy of the signed Recording Consent Form to us upon request.

13.3. Content of Consent. The Recording Consent Form (or equivalent consent) must clearly explain to the person being recorded:

• (1) The purpose of the recording (assessment of the coach’s competence for certification);
• (2) That the recording will be shared with Catherine Morgan Limited (trading as The Money Panel) for review;
• (3) Who will have access to the recording (authorised members of the Catherine Morgan Limited team);
• (4) How long the recording will be retained;
• (5) Their right to withdraw consent (and the consequences of withdrawal);
• (6) That their participation is voluntary and they may decline to be recorded.

13.4. Your Responsibilities. You acknowledge and agree that:

• (1) You are solely responsible for ensuring that valid consent has been obtained before submitting any recording to us;
• (2) You are responsible for ensuring that your collection, use, and sharing of recordings complies with all applicable data protection laws, including the Data Protection (Jersey) Law 2018, the UK GDPR and Data Protection Act 2018;
• (3) You must have a lawful basis for processing the personal data contained in the recording;
• (4) If the person being recorded is a client (rather than a peer), you must ensure that your client agreement or terms of engagement permit such recording and sharing;
• (5) You will indemnify us against any claims, losses, or liabilities arising from your failure to obtain valid consent or comply with data protection requirements.

13.5. How We Use Recordings. Recordings submitted to us for certification purposes will be:

• (1) Reviewed only by authorised members of our team for the purpose of assessing your competence and suitability for certification;
• (2) Stored securely using appropriate technical and organisational measures;
• (3) Retained for a period of twelve (12) months following your certification decision, after which they will be securely deleted or destroyed;
• (4) Not shared with any third party without explicit consent from all parties appearing in the recording, except as required by law or regulatory authority.

13.6. Rejection of Recordings. We reserve the right to reject and not review any recording where:

• (1) Valid written consent has not been obtained or cannot be evidenced;
• (2) We have reason to believe that the consent was not freely given or was obtained improperly;
• (3) The recording does not meet the technical requirements specified by us (including duration, audio/video quality, and format).

If we reject a recording, you will be notified and given the opportunity to submit a replacement recording within a reasonable timeframe.

13.7. Withdrawal of Consent. If the person who was recorded withdraws their consent after you have submitted the recording to us:

• (1) You must notify us immediately in writing;
• (2) We will delete or destroy the recording within thirty (30) days of receiving notice;
• (3) If the recording has not yet been reviewed, you will need to submit a replacement recording;
• (4) If the recording has already been reviewed and your certification granted, the withdrawal of consent will not affect your certification status, but the recording will still be deleted.

14. Alumni Membership

14.1. Eligibility and Enrolment

14.1.1. Upon expiry of your initial 12-month access period, you may elect to continue your membership as an Alumni Member.

14.1.2. Alumni Membership is available to clients who have completed either:

• (a) Option A: Financial Coaching Tools Programme (Pathway 1), or
• (b) Option B: The Money Panel Certified Financial Coach Programme (Pathway 2)

14.1.3. To enrol in Alumni Membership, you must complete the enrolment process and select your preferred payment option before your initial 12-month access period expires, or within 30 days thereafter.

14.2. Alumni Membership Benefits

14.2.1. As an Alumni Member, you will receive:

• (a) Continued full access to all programme content, materials, videos, downloads, workbooks, and training resources within the online learning platform;
• (b) Continued access to the community platform and Private Group discussions;
• (c) Access to ongoing updates, improvements, and new content added to the Programme;
• (d) For Pathway 2 (Certified Financial Coach) Alumni Members only: continued access to monthly Practice Sessions.
• (e) For all Alumni Members (Pathway 1 and Pathway 2): access to attend the live Cohort Sessions (the live group training and Q&A calls) of any live Cohort we deliver during your current Alumni Membership period. This access is provided on the same basis as for enrolled Cohort participants, including the attendance and recording provisions in clause 2.7A and the participant conduct and confidentiality provisions in clause 6.5. We do not guarantee that a live Cohort will run during your Alumni Membership period. This benefit does not entitle you to re-take or re-submit any certification requirement, to assessment, marking, or feedback, or to any one-to-one support.

14.2.2. Alumni Membership does not include access to any new programmes, courses, or training that may be launched separately by Catherine Morgan Limited trading as The Money Panel, nor to Orientation in respect of any future Cohort, save for the access to live Cohort Sessions expressly set out in clause 14.2.1(e).

14.2.3. We reserve the right to modify, update, or enhance the Alumni Membership benefits from time to time, provided that any material reduction in benefits will be communicated to you with at least 30 days’ notice.

14.3. Alumni Membership Fees and Payment

14.3.1. The Alumni Fee is payable in advance and may be paid either:

• (a) Monthly, by recurring subscription, or
• (b) Annually, by recurring subscription

14.3.2. The Alumni Fee may be paid in either:

• (a) British Pounds Sterling (GBP), or
• (b) United States Dollars (USD)

The applicable fee amount will be confirmed to you at the time of enrolment.

14.3.3. Payment of the Alumni Fee shall be collected by The Money Panel Ltd (UK) on behalf of Catherine Morgan Limited (Jersey) and processed automatically via Stripe on a recurring basis according to your selected payment frequency (monthly or annually) until such time as you cancel your Alumni Membership in accordance with Section 14.5.

14.3.4. You authorise us to charge your selected payment method automatically on each renewal date.

14.3.5. It is your responsibility to ensure that your payment details remain valid and up to date. You must notify us immediately of any changes to your payment information.

14.3.6. If any payment fails or is declined, we reserve the right to suspend your Alumni Membership access immediately until payment is received. We may attempt to process payment again, and you may be charged a reasonable administrative fee for failed payment processing.

14.4. Fee Changes

14.4.1. We reserve the right to change the Alumni Fee at any time, provided that we give you at least 30 days’ written notice before any fee increase takes effect.

14.4.2. If you do not wish to pay the increased fee, you may cancel your Alumni Membership in accordance with Section 14.5 before the new fee takes effect.

14.4.3. Your continued payment of the Alumni Fee following notice of a fee increase shall constitute your acceptance of the new fee.

14.5. Cancellation of Alumni Membership

14.5.1. You may cancel your Alumni Membership at any time by providing written notice to support@catherinemorgan.com.

14.5.2. Cancellation will take effect at the end of your current paid period (monthly or annual, as applicable). No refunds will be provided for any unused portion of a paid period.

14.5.3. Upon cancellation or expiry of your Alumni Membership:

• (a) Your access to the online learning platform, programme materials, and Practice Sessions (if applicable) will be removed;
• (b) You will retain access to the community platform at our discretion;
• (c) You will retain any certificates previously earned;
• (d) You will retain any materials you have legitimately downloaded during your membership periods in accordance with the licensing terms;
• (e) For Pathway 2 clients: your certification status and associated licensing rights remain valid, subject to continued compliance with these Terms.

14.5.4. We reserve the right to terminate your Alumni Membership immediately in accordance with Section 9 of these Terms if you breach any material term of this Agreement.

14.6. Licence Continuity

14.6.1. For Option A Alumni Members: the licence granted under Section 5.1 remains in effect during your Alumni Membership and continues in accordance with Section 5 following cancellation.

14.6.2. For Option B Alumni Members: your certification status and the licence granted under Section 5.2 remain in effect during your Alumni Membership and continue in accordance with Section 5 following cancellation, provided you remain in compliance with these Terms.

14.7. Auto-Renewal

14.7.1. Your Alumni Membership will automatically renew on each monthly or annual anniversary (as applicable) unless you cancel in accordance with Section 14.5.

14.7.2. By enrolling in Alumni Membership, you expressly acknowledge and agree to this automatic renewal.

14.7.3. You remain responsible for managing your subscription and cancelling if you wish to do so.

Schedule 1: Programme Details

Orientation (Pre-Cohort Access)

Available to all participants enrolled in a live Cohort. Orientation begins once your enrolment is complete and runs until your live Cohort begins. Orientation includes:

• The first curriculum module: three lessons covering the philosophy of financial coaching, the Money Narratives Clearing® framework, and an introduction to money and the nervous system
• The full embodied heart breathing practice
• The Money StoryTypes® Assessment
• Monthly online Orientation Live Calls (approximately 60 minutes, delivered via Zoom) with Catherine Morgan in the months preceding the Cohort start date
• A PDF reading list and reflection prompts

Notes:

• Orientation access is provided in addition to the 12-month access period and does not start, extend, or reduce it (clause 2.8.3).
• The number of Orientation Live Calls available depends on the month in which you join. Calls held before your enrolment completes are not available, and no refund, credit, replacement, or recording is guaranteed for any call missed or not attended (clause 2.8.4).
• The embodied heart breathing practice and certain Orientation Materials include somatic and breathwork practices; the disclaimers in Section 12 apply in full (clause 2.8.5).

Option A: Financial Coaching Tools Programme

Includes:

• Online learning modules covering foundational coaching tools inside the ‘Financial Coaching Programme’ Course Area
• Access to private community platform
• Core Money Narratives Clearing® method training
• Support materials and resources

Access: 12 months from date of purchase

Certification: Not available unless purchased separately as an upgrade

Commercial Rights: Personal coaching practice only

Payment Options: Full payment (discount available) or 12 monthly instalments

Option B: The Money Panel Certified Financial Coach Programme

Includes everything from Option A, plus:

The Financial Coach Preparation Area:

• Completion of all core training videos with progress marked in the learning platform
• Attendance at a minimum of 3 online Practice Sessions
• Demonstration of coaching using the full 6-step Money Narratives Clearing™ framework during at least one Practice Session
• Submission of one Certification Practice Session recording (30–40 minutes) within 12 months of joining, demonstrating use of the Money Narratives Clearing™ framework (may be conducted with a peer or real client)
• Submission of a short reflection (written, audio, or video format accepted)

Included as standard for all Pathway 2 participants (including those who upgrade from Pathway 1 to Pathway 2):

• Access to The Financial Coach Marketing online course (12 x 1-hour video modules) for 12 months from joining
• Complete marketing toolkit and business development resources

Access: 12 months from joining

Certification: Available upon completion of requirements

Commercial Rights: Full licensed use of methods and brand upon certification

Payment Options: Full payment (discount) or 12 monthly instalments

Certification Requirements (Option B Only)

• Completion of all core training videos with progress marked in the learning platform
• Attendance at a minimum of 3 online Practice Sessions
• Demonstration of coaching using the full 6-step Money Narratives Clearing™ framework during at least one Practice Session
• Submission of one Certification Practice Session recording (30–40 minutes) within 12 months of joining, demonstrating use of the Money Narratives Clearing™ framework (may be conducted with a peer or real client)
• Submission of a short reflection (written, audio, or video format accepted)

Payment Processing

• All payments collected by The Money Panel Ltd (UK) on behalf of Catherine Morgan Limited (Jersey) and processed via Stripe
• Monthly instalments: 12 consecutive payments
• Full payment option includes a discount (Option B)

Live Cohort Schedule

The dates, times, and delivery details for each live Cohort are set out in the Cohort Schedule provided to you at the point of purchase, or, in the case of advance bookings under clause 4A, confirmed to you in writing no later than two months before the Cohort commencement date.

Each live Cohort will include:

• Live group Cohort Sessions delivered via Zoom (or such other platform as we may notify you of)
• Recordings of Cohort Sessions made available for the duration of the 12-month access period (accessible subject to clause 2.7A.2)
• Access to the Circle community platform during the Cohort Period and for the remainder of the 12-month access period

Each Cohort typically comprises seven (7) live group sessions of 90 minutes' duration, delivered fortnightly over approximately three months. The exact session count, duration, and frequency shall be confirmed in the Cohort Schedule for each Cohort.

Certification Requirements for Option B (Pathway 2) participants enrolled in the Cohort: Certification requirements remain as set out in clause 3.3. These requirements are in addition to attendance at the live Cohort Sessions.