1:1 Money Lineage

The Money Lineage Session

Terms and Conditions  ·  July 2026

These Terms and Conditions (“Terms”) apply to the delivery of The Money Lineage Session (“the Session”) by Catherine Morgan Limited (“the Provider”, “the Company”, “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 purchasing the Session (“the Client”, “You”).

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, the Fee is 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.

Acceptance

Before purchasing, the Client is asked to confirm each of the following statements separately, by ticking the relevant box at checkout. Ticking those boxes and completing payment forms the Client's acceptance of these Terms and the Client's consent to participate in the Session on the basis set out at Clause 14.

(a) I have read and agree to these Terms and Conditions.

(b) I understand that this Session may explore  traumatic events in my family history, and that it may bring up difficult material.

(c) I understand that this Session is not therapy, counselling, or medical treatment.

(d) I confirm that I have considered whether this Session is right for me at this time, and that I have told the Company anything I consider relevant to my participation.

Introduction

In accordance with the terms and conditions set out within this Agreement, the Company agrees to provide the Services as defined below to the Client in exchange for payment of the Fee (as defined below).

1. The Session

1.1 By entering into this Agreement the Client understands and accepts that they are purchasing The Money Lineage Session (the “Session”), being a single, private, one-to-one session delivered online.

1.2 The Session shall be delivered pursuant to the details set out in Schedule 1 to this Agreement.

1.3 The cost of the Session is as set out in Schedule 2 to this Agreement (“the Fee”). The Fee is payable in full in advance. No payment plan or instalment option applies to the Session.

1.4 The Client agrees to make payment of the Fee to the Company in accordance with the payment terms set out in Schedule 2 to this Agreement.

1.5 The Fee is to be paid using the payment link provided, or by bank transfer where separately agreed. Once cleared payment of the Fee is received, the Company shall provide a receipt to the Client, send the Client the family history questions, and confirm the date of the Session.

2. The Services

2.1 The service to be delivered is The Money Lineage Session (“the Services”), a private session using the tools of Inherited Family Trauma, based on the work of Mark Wolynn, as further detailed in Schedule 1.

2.2 The Company will confirm the date and time of the Session with the Client directly via email. The Client understands and accepts that it is the Client’s responsibility to take note of the Session time.

2.3 The Client understands and accepts that it is the Client’s responsibility to check their email regularly and to respond promptly to requests from the Company to agree the Session time and date.

2.4 The Client understands and accepts that it is the Client’s responsibility to attend the Session at the agreed time.

2.5 In the event the Company is unable to attend the scheduled Session, the Company will make all reasonable attempts to provide the Client with as much notice as possible and shall use reasonable endeavours to reschedule the Session to a mutually acceptable date.

2.6 The Company will wait for 15 minutes on the call. If the Client is late beyond this time, then the Session will be forfeited.

2.7 The Client may reschedule the Session on one occasion at no charge, provided the Client gives the Company at least 48 hours’ notice in writing before the scheduled start time. Where less than 48 hours’ notice is given, or where the Client does not attend, the Session will be treated as delivered and the Fee will not be refunded.

2.8 The Company shall use all reasonable endeavours to respond to any emails sent by the Client within 48 hours of receipt by the Company.

2.9 Should the Client require any further contact or sessions in addition to the Session then such contact will be in addition to the Services agreed herein and a further agreement will need to be arranged and separate terms agreed.

2.10 Scope of practice and referral. The Company is trained as an Inherited Family Trauma practitioner. The Company is not a psychotherapist, counsellor, psychologist or medical practitioner, and does not hold itself out as one. If, during the Session, material arises which in the Company's reasonable judgement falls outside the Company's scope of practice, the Company may pause or end the Session, and will where appropriate suggest that the Client seek support from a suitably qualified practitioner.

2.11 The Company's right to decline. The Company may decline to deliver the Session, or may end it, where the Company reasonably considers that the Session is not appropriate for the Client at that time. Where the Company does so, the Company will refund the Fee in full, or a fair proportion of the Fee where the Session has been partly delivered. This is not a disciplinary provision and no fault on the Client's part is implied.

2.12 After the Session. The Session may bring up material that stays with the Client afterwards. The Client is welcome to contact the Company by email following the Session. The Company is not an emergency or crisis service and does not provide ongoing clinical support. If the Client is in crisis or at risk of harm, they should contact their GP, their own practitioner, or the emergency services.

3. Client’s Obligations

3.1 The Client accepts and acknowledges that this Agreement does not create any partnership, joint venture, employment or agency relationship between the parties, and that the Company is only liable to the Client in respect of the Services provided and to the extent as set out herein.

3.2 The Client accepts that as part of the Client’s participation in the Session they may be required to review and make decisions concerning their personal and home life, business and career, finances, lifestyle, education and development and health and wellness, and any such reviews, subsequent decisions, implementation and action will be the sole responsibility of the Client.

3.3 The Client accepts and understands that they are solely responsible for making decisions and taking appropriate action as a result of any matters reviewed or discussed during the Session and that the Company shall not be liable for the Client’s failure to make decisions, put into action plans or strategy, or for any results whether direct or indirect arising out of the Client’s participation in the Session.

3.4 The Client understands and accepts that the Session is not a substitute for counselling, psychotherapy, medical treatment, or financial advice. The Company does not provide regulated financial advice in any jurisdiction. The Company is not authorised or regulated by the Jersey Financial Services Commission (JFSC), the Financial Conduct Authority (FCA), or any equivalent regulator, and does not hold a licence to provide debt advice or credit-related services. If the Client is currently receiving medical or other professional support concerning their mental health, the Client is encouraged to inform their practitioner of their participation in the Session, and to inform the Company where relevant.

3.5 The Client acknowledges that it is their responsibility to attend the Session as agreed and, during the Session, to participate fully and communicate openly and honestly.

3.6 In the event the Client has concerns as to the Company’s delivery of the Services or the Client’s participation in the Session in any way, the Client agrees to notify the Company of such concerns by email as soon as possible. The Company agrees that upon receipt of notification of such concerns the Company will use all reasonable efforts to resolve the Client’s concerns.

3.7 The Client understands that once accepted, this Agreement can only be cancelled or terminated in accordance with the relevant provisions contained within this Agreement and that refunds will only apply as set out in Clause 5 below.

3.8 The Client confirms that all information provided to the Company, including Personal Information, is true, correct, up-to-date and complete.

3.9 The Client agrees and understands that participation in the Session does not guarantee results or success. As part of the Session, the Client will have access to information, resources and support all designed to benefit the Client, but it is the Client’s responsibility to take action and implement the information received and/or skills or tools shared.

3.10 The Client understands and accepts that any materials or information provided during delivery of the Services is for general information purposes and does not constitute any legal or financial advice.

3.11 The Client agrees to indemnify and hold harmless the Company for any action taken against the Company due to the Client’s violation or disregard of:

1. a) any provision of this Agreement;
2. b) the Client’s participation in any way in the Session.
3. Late Payment

4.1 The Client is responsible for ensuring that payment of the Fee is paid in full and on time in accordance with the payment terms set out in Schedule 2 to this Agreement.

4.2 If a Client’s account is beyond 7 days overdue, the Company shall be entitled to withhold delivery of Services until payment has been made in respect of the outstanding amount.

4.3 In the event the Client’s account is beyond 7 days overdue then interest will be added to the Client’s account daily from the date payment is due until full payment is received. Interest will be calculated on the outstanding Fee at a rate of 3% over the Bank of England’s base rate from time to time.

4.4 In the event a Client's account is beyond 30 days overdue the Company shall be entitled to instruct a collection agent or lawyer to seek recovery of the Fee along with interest and any accrued costs incurred.

5. Refund Policy

5.1 Save as set out at Clauses 2.7, 2.11 and 5.2, no refund shall apply to the Client’s purchase of the Session.

5.2 Nothing in this Agreement affects any statutory cancellation or refund rights the Client may have under applicable consumer protection legislation.

6. Termination and cancellation

6.1 This Agreement may be terminated by either party providing written notice in accordance with the terms of this Agreement in the following circumstances:

1. a) either Party commits a material breach, and in the event that it is a breach being capable of remedy, the Party in breach fails to remedy the breach within 14 days of being notified of the breach by the other Party; or
2. b) either Party commits a material breach which is incapable of being remedied;
3. c) The Client may terminate this Agreement by giving the Company written notice. Subject to Clause 5.2, the Client accepts and understands that no refunds will apply and that they will remain liable for full payment of the Fee despite giving notice of cancellation.

6.2 The Company will be entitled to limit the Services or suspend, and/or terminate the Agreement without refund of any Fee, whether paid or remaining due and payable, if the Company reasonably determines that the Client:

1. a) is becoming disengaged, disruptive, or if the Client impairs the participation or progress of the Session and/or provision of the Services. For the purposes of this Agreement the terms disengaged and disruptive shall be given their ordinary dictionary meaning and examples of such behaviour shall include, but not be limited to, displaying a lack of interest in the Services, missing the Session without reasonable justification or reason, failing to positively contribute to discussion during the Session or other contact, repeatedly ignoring or failing to respond to emails or other messages, or communicating in a way which is abusive or intended to cause offence to the Company; and/or
2. b) is failing to follow or abide by any of the terms set out within this Agreement or any other terms or guidelines as may be agreed whether such action constitutes a material breach or not.

6.3 Upon termination for any reason the Client’s access to all Services will be removed and the Company will not be liable to the Client for any claims relating to the removal of that access.

7. Confidentiality, Intellectual Property and Data Protection

7.1 In order to maximise the efficiency and results of the Session the Client accepts that they will be encouraged to disclose personal and/or confidential information. The Company understands and respects the value of such information and shall not, either directly or indirectly, communicate or disclose, make available to, or use for her own benefit or for the benefit of any other person or entity, the Client’s ideas, know-how, business practices, concepts and techniques, plans, trade secrets, and other confidential and/or proprietary information (collectively, “Confidential Information”) that the Client may disclose to the Company or that may be disclosed as part of the provision of the Services to which this Agreement relates.

7.2 Confidential Information for the purposes of this Agreement excludes any information that:

1. a) was already known to the Company prior to being provided with that information by the Client;
2. b) is already accessible in the public domain;
3. c) is provided to the Company by a third party separately from this Agreement and without any breach of the terms of this Agreement; or
4. d) is produced, developed or collated by the Company independently of the Client and without any breach of the terms of this Agreement.

7.3 In the event information is provided to the Company by the Client which causes the Company to fear that the Client is at risk of danger to themselves or others then in such circumstances the Company will be permitted to disclose such information as is necessary for the protection of the Client or others.

7.4 This clause will not apply in the event the Company is subject to a relevant court or other form of legal or statutory order requiring disclosure by the Company.

7.5 By entering into this Agreement the Client hereby agrees and undertakes:

1. a) not to infringe any of the Company’s copyrights, patents, trademarks, trade secrets or other intellectual property rights;
2. b) that any Confidential Information disclosed by the Company is confidential and proprietary, and belongs solely and exclusively to the Company;
3. c) not to disclose such Confidential Information to any other person or use it in any manner other than in discussion during the Session;
4. d) that all materials, information and any data provided by the Company are the Company’s confidential and proprietary intellectual property and belong solely and exclusively to it, and may only be used by the Client as expressly authorised by the Company; and
5. e) the reproduction, distribution, and/or sale of any information or materials provided during provision of the Services or at any time thereafter by anyone but the Company is strictly prohibited. The Client agrees that in the event of any breach of their obligations contained in this Agreement then damages, loss or irreparable harm may arise and that in such circumstances the Company will be entitled to seek relief, including injunctive relief against the Client.

7.6 The Company processes personal data in accordance with the Data Protection (Jersey) Law 2018 and, where applicable, the UK GDPR and the EU GDPR. Further details of how the Company complies with its data protection obligations are contained in the Privacy Notice at themoneypanel.co.uk/privacy-policy

7.7 Special category data. The Client understands that the Services require the Company to process special category personal data, including data concerning the Client’s health and mental health, family history, and in some cases data revealing racial or ethnic origin or religious belief. By entering into this Agreement and completing the family history questions, the Client gives their explicit consent to the Company processing such data for the sole purpose of delivering the Services. The Client may withdraw this consent at any time by writing to hello@catherinemorgan.com, and understands that withdrawal may mean the Services cannot be delivered.

7.8 Information about third parties. The Client acknowledges that the family history questions invite information about third parties, including members of the Client’s family. The Client should share only what they are comfortable sharing. The Company will treat any such information with the same confidentiality and care as the Client’s own information.

7.9 Any information or data that is provided by the Client pursuant to this Agreement, including Confidential Information, will be maintained by the Company and stored, accessed and processed in accordance with applicable data protection legislation.

7.10 Both Parties agree to take appropriate steps to keep all information safe and secure and to protect against loss and destruction, including accidental, and any unlawful or unauthorised processing.

7.11 Both Parties agree to provide a copy of all information held upon receipt of a proper and reasonable data request. Any such request shall be dealt with in a reasonable time.

7.12 Documentation and information provided to the Company in connection with the Session will be retained for a period of 6 years from the date of the Session, after which it will be securely deleted, unless a longer retention period is required by law.

7.13 The obligations set out within this Clause 7 shall survive the termination of this Agreement.

8. Liability

8.1 The Company has made every effort to accurately represent the Session and the Services. Any testimonials and/or examples of results experienced are not intended to represent or guarantee that anyone will achieve the same or similar results. Each individual’s experience depends on many factors, including their background, dedication, desire, and motivation. The Company makes no guarantee, representation or warranty with respect to the Services provided.

8.2 The Company will not be liable to the Client for any indirect, consequential or special damages.

8.3 In the event damages are incurred by the Client as a result of the Company’s default or violation of any of the terms of this Agreement, the Company’s entire liability under this Agreement is limited to the amount paid by the Client to the Company as at the time the loss is sustained.

8.4 The Client agrees not to make any statement about the Company which the Client knows to be false or misleading. Nothing in this clause prevents the Client from expressing an honest opinion about the Services, from leaving a genuine review, or from making any disclosure required or protected by law.

8.5 In the event a dispute arises in connection with this Agreement and the provision of the Services which is incapable of being resolved by mutual consent then the Parties agree to submit the matter for mediation by an independent mediator. In the event a resolution is still not possible following mediation then legal action may be commenced.

8.6 The Company confirms that it holds adequate insurance cover to meet any liabilities that may arise in connection with this Agreement.

9. Notice

9.1 Where reference in this Agreement is made to the provision of a notice then any such notice shall be validly served if sent by email, or first class post to the address of the other party as set out in this Agreement and shall be deemed served as follows:

1. a) if sent by email, upon receipt of a valid delivery notification, if prior to 5pm UK time, or at 9am the following business day;
2. b) if by post, on the second business day after posting.
3. General

10.1 The failure of either Party to actively enforce any provision of this Agreement shall not prevent that Party from subsequently seeking to enforce any term or obligation of this Agreement and any such failure shall not constitute a waiver, diminution or limitation of any right.

10.2 In the event any provision of this Agreement is deemed to be invalid, or unenforceable for any reason then that provision shall be struck out and the remaining provisions shall remain valid and enforceable.

10.3 This is the entire agreement between the Parties and supersedes all other negotiations, drafts, correspondence and discussions prior to the acceptance of this Agreement.

10.4 Every effort will be made to carry out this Agreement and provide the Services, but the Company shall not be liable for any delay or failure in provision of the Services should the Company be prevented or delayed by reason of an Act of God, Strike, War, Riots, Lock Outs, Fire, Flood, Accident, Delays in Transit, any Act or Omission of a Telecommunications officer or Third Party Supplier of Services, or any other circumstances beyond the Company’s control. In such circumstances time of delivery of Services shall be extended until a reasonable time after the event preventing or interfering with the due execution, and under no circumstances will the Company be liable for any loss or damage suffered by the Client as a result thereof.

10.5 The Company acknowledges the importance of telecommunications to the delivery of the Session and agrees to use all reasonable endeavours to provide reasonable contingency provisions to limit any impact or delay which may be caused to the provision of the Services by delay or failure of telecommunications services.

10.6 This Agreement is formed in Jersey, the principal place of business for the Company, and this Agreement and the rights of the parties to this Agreement shall be governed by the laws of Jersey. The Parties to this Agreement submit to the exclusive jurisdiction of the Courts of Jersey and the laws from time to time in force.

10.7 The Client agrees that no other representations have been made by the Company to induce the Client into entering into this Agreement and no modification to the terms of this Agreement shall be effective unless in writing and agreed by both parties.

10.8 Save in respect of the Company’s agents, employees and contractors, a person who is not a party to this Agreement shall have no right to enforce any of its terms.

10.9 The Client acknowledges that they have been given sufficient time to seek legal advice prior to entering into this Agreement.

11. Your information

11.1 The Company takes protecting the Client’s data seriously. The Company may disclose the Client’s information:

1. a) where the Company is legally compelled or has a legal duty to do so;
2. b) where it is required to administer the Client’s account;
3. c) to other third parties, to offer and/or provide a service to the Client;
4. d) where disclosure is made at the Client’s request or with the Client’s authority.

11.2 The Client’s details will be used to provide services from the Company and throughout our relationship together. The Company will also use the Client’s information to help improve its services.

12. Keeping you informed

12.1 Any information passed across will be treated privately and confidentially under The Money Panel Privacy Policy. Further details are contained in the Privacy Notice at themoneypanel.co.uk/privacy-policy

13. Access to Personal Data

13.1 The Client has the right to request copies of all the information the Company holds about the Client. This is known as a Data Subject Access Request (DSAR).

13.2 Depending on what the Client may need, the Company may be able to provide one or two documents which will give the Client what they need, or a DSAR will give the Client everything the Company holds. To request this, please send an email to hello@catherinemorgan.com

14. Consent and Release of Liability

14.1 The Session is delivered online and uses tools based in neuroscience, such as new learning experiences, healing sentences, guided imagery and visualisation, each offering an opportunity to develop new insights (together, the “Exercises”). By accepting these Terms the Client consents to the Exercises and acknowledges that they are free to withdraw that consent or stop the Session at any time. The Client understands that traumatic events will be discussed in the Session, and that participating may bring up highly personal issues which may cause the Client to experience some temporary stress or unexpected responses of a physical, psychological, mental, emotional or spiritual nature. The Client understands that there is a risk of emotional distress from their participation, agrees to take responsibility for their participation in the Session, and agrees to release Catherine Morgan Limited from liability for any loss or damage that may occur in connection with the Session, to the fullest extent permitted by law.

14.2 By accepting these Terms the Client confirms that they have considered whether the Session is appropriate for them at this time, and that they have disclosed to the Company any physical or mental health condition, diagnosis, or current treatment that may be relevant to their participation. The Client understands that the Company is not a medical or mental health practitioner. If the Client is currently receiving support for their mental health, the Client is encouraged to discuss their participation with their practitioner before the Session. The Client is free to pause, to withdraw consent, or to stop the Session at any time, for any reason, and without needing to explain.

14.3 The Client takes responsibility for their own experience of the Session, and is free to leave at any time during the Session.

Schedule 1: Session Details

The Company: Catherine Morgan Limited, trading as The Money Panel

Name of Coach: Catherine Morgan

Registered in: Jersey, Channel Islands

Company Number: 137407

Registered Office: 1-3 Colomberie, St Helier, Jersey, JE2 4QB

Email address: hello@catherinemorgan.com

Payments collected by: The Money Panel Ltd (registered in England and Wales, company number 10267198, registered office 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ), acting solely as payment collection agent for Catherine Morgan Limited.

The Session

The Money Lineage Session is one private, one-to-one session lasting 90 minutes, delivered online by Zoom, using the tools of Inherited Family Trauma based on the work of Mark Wolynn.

Subject to the Fee being paid by the Client, the Services shall be delivered as follows:

1 x private one-to-one session lasting 90 minutes, delivered by Zoom (“the Session”).

Preparation

Following payment, the Company will send the Client a set of family history questions to reflect on before the Session, together with a link to book the Session. The Client is welcome to return their answers in advance or bring them to the Session.

Notice

All notifications regarding the Session and any Additional Services (if applicable) shall be sent via email.

Schedule 2: Payment Terms

The Payment in Full Fee is £497.00 GBP or $697.00 USD (VAT not applicable). The Client may pay in either currency using the payment link provided at checkout.

The Fee is payable in full in advance. No payment plan or instalment option applies to the Session.

Once the payment has been received in cleared funds, the Company shall confirm receipt of payment, send the Consent and Release of Liability and the family history questions, and confirm the date for the Session.