The Money Panel

Part I: Terms and Conditions

These terms and conditions ("Terms") apply to the delivery of The Money Panel Certified Financial Coach Programme ("the Programme") by The Money Panel ("the Provider", "We", "Us", "Our") a company registered in England and Wales under company number 10267198, whose registered office is at 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ ("the Company") 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.

Introduction

These Terms, along with our Privacy Notice and Website Terms of Use (which can be viewed at www.themoneypanel.co.uk) 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. Definition and Interpretation

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

• 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;
• 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;
• Programme Fee means the total cost of the Programme excluding any additional administration costs or reassessment costs;
• Method means the Money Narratives Clearing ® method created, developed and owned by us which will be delivered as part of the Programme;
• Private Group means any private online area, membership area or private community platform where programme content and community discussions are hosted;
• Programme means The Money Panel Certified Financial Coach Programme
• 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 the UK or any other part of the world;
• Personal Data means any information which is capable of identifying another individual as further defined within the UK GDPR and the Data Protection Act 2018;
• 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.

2. The Programme

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

2.2. When you purchase the 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. A full description of any applicable additional or bonus services will be provided to you via email. It is your responsibility to check the content of your email and ensure you are happy with any additional or bonus services offered.

2.3. The Programme will be delivered virtually using online platforms and systems and/or remote communication only and no alternative will be provided.

2.4. 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. Should you require personal or one-to-one support, or feel that you require further contact or support from us which is over and above the support provided to you as part of the Programme, then a further agreement will need to be arranged and separate terms and payment agreed.

2.5. As part of your access to the 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. You should not share your password or access details with anyone else and you are responsible for notifying us should you become aware of, or suspect that a third party is aware of your password or access details.

3. Programme Access and Certification

3.1. Access to the Programme content is granted for an initial period of 12 months from the date of purchase. Following this initial period, ongoing access will be granted indefinitely at no additional cost.

3.2. To become certified as a Money Panel Certified Financial Coach, you must:

a) Successfully complete all required Programme modules and associated competency tasks

b) Attend one full Fast Track Observation Day (held regularly throughout the year, dates communicated via email)

c) Submit any required coaching session recordings within 48 hours of the Fast Track Day

d) Receive review and approval of submitted materials from us

3.3. Upon successful completion of certification requirements, you will receive:

a) Email confirmation of your certification status

b) Details of any learning points or recommendations

c) A certificate confirming your status as a Money Panel Certified Financial Coach

4. Payment Terms

4.1. The Programme Fee may be paid either:

1. 1. a) In full at the time of purchase (with an available discount), or
   2. b) In 12 consecutive monthly installments

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

4.3. Payment 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 installment 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 installments, each installment received shall be credited to the outstanding amount of the Fee owed by you until we have received payment of the Fee in full. You acknowledge that you are liable to provide full payment of the Fee notwithstanding any installment plan that may be agreed between us.

4.6. Your entitlement to continued access to the Programme arises only upon full payment of the Fee. Where any payment of the Fee or any installment of the Fee is outstanding, then we reserve the right to terminate your access to the Programme in accordance with these Terms.

5. Licensing Terms

5.1. Upon successful certification as a Money Panel Certified Financial Coach, we grant you a non-exclusive, worldwide, non-transferable license to:

a) Represent yourself as a Money Panel Certified Financial Coach

b) Use the Money Narratives Clearing® method

c) Use the provided Coaching Materials

d) Use The Money Panel® Brand in accordance with these Terms

5.2. This license 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 coaching practice

5.3. The license granted is personal to you and cannot be transferred, assigned, or sublicensed 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® method

6.1.3. Always credit The Money Panel® Brand and Money Narratives Clearing® method in your materials and communications

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 coaching practice

6.2. 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

7. Intellectual Property Rights

7.1. All Intellectual Property Rights in the Programme, including but not limited to:

• • The Money Narratives Clearing® method
  • The Money StoryTypes® method
  • The Money Panel® Brand
  • All Coaching Materials
  • Training content and resources

remain the exclusive property of The Money Panel or its licensors.

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

a) Your personal use in delivering coaching services

b) Marketing your services as a certified coach

c) Use within the scope of your license 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

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 unauthorized 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

c) Return or destroy all materials in your possession

d) Cease using The Money Panel® Brand

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

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

d) You must remove all references to our brand from your materials

e) Any outstanding fees become immediately payable

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 England and Wales, and the courts of England and Wales shall have exclusive jurisdiction.

Schedule 1: Programme Details

1. The Programme consists of:

The Financial Coaching Tools Programme

• • Online learning modules with accompanying materials
  • Access to private community platform
  • Support materials and resources
  • Assessment and competency tasks

The Financial Coach Preparation Area

• • Certification process including Fast Track Observation Day
  • Access to private community platform
  • Additional support materials and resources

Those who pay-in-full will also get:

• • Financial Coach Marketing online course consisting of 12 x 1 hour video digital trainings

2. Access and Duration

• • Initial access period: 12 months from purchase date
  • Following initial period: Indefinite access at no additional cost

3. Certification Requirements

• • Completion of all required modules and competency tasks
  • Attendance at Fast Track Observation Day
  • Submission of required coaching recordings
  • Review and approval of submitted materials

4. Payment Options

• • Full payment option (discount available)
  • 12 consecutive monthly installments
  • All payments processed via Stripe

Part II: Licensing Agreement

1. LICENCE GRANT

1.1 The Licensor grants to the Licensee, on the terms and conditions of this Agreement, the right for the Individual to be called and represent themselves as a Certified Financial Coach and a non-exclusive, worldwide, non-transferable sole licence of the Materials (excluding the Business Materials) for the permitted purposes set out in the Schedule to this Agreement (the "Purpose") in accordance with the obligations set out in clause 3.4 and of the Business Materials in accordance with clause 3.1("Licence").

1.2 The License will begin on the Commencement Date of Certification and will continue indefinitely subject to compliance with these Terms.

2. LICENSEE'S OBLIGATIONS

2.1 The Business Materials are licensed to the Licensee for their personal business use only and not for any other purpose including(but not limited to) coaching or training others in business matters.

2.2 The Licensee must not use, copy, supply, deliver, distribute, re-produce, sell, trade, offer for re-sale, license or sub-license the Materials for coaching, training or any other purpose or deal with them in any other way except as specified in this Agreement.

2.3 The Licensee must not use, copy, supply, deliver, distribute, re-produce, sell, license, sub-license, trade, offer for sale, seek or enter into any accreditation or endorsement arrangements or agreements with a third party or otherwise deal in the Coaching Materials/Method except with the prior written permission of the Licensor.

2.4 The Licensee may in respect of the Purpose:

a) Use and copy the Coaching Materials and the Money Narratives Clearing® Method for their own personal use;

b) Use, copy and supply the Coaching Materials;

c) Subject to clauses 3.6, 3.7 and 3.8 of the main Terms, add their own branding to the Coaching Materials;

d) Use the Money Narratives Clearing® Method and/or some or all of the Coaching Materials in conjunction with their own coaching and/or training tools and programmes.

2.5 The Licensee acknowledges that the Money Narratives Clearing® Method taught in the Coaching Programme is regarded as best practice by the Licensor and has been designed to achieve the best results for a Client.

2.6 The Licensee must always credit the Money Narratives Clearing® Method and Coaching Materials to the Licensor and The Money Panel® Brand.

2.7 The Licensee must not change, alter, move or remove any of The Money Panel Brand (including colour, design, typeface and positioning as set out in the Materials) or any other logos, trademarks, service marks, copyright notices or any other proprietary legends from the Materials without the prior written permission of the Licensor.

2.8 Any goodwill derived from the use by the Licensee of the The Money Panel Brand shall accrue to the Licensor. The Licensor may, at any time, call for a document confirming the assignment of that goodwill and the Licensee shall immediately execute it.

2.9 The Licensee shall not do, or omit to do, or permit to be done, any act that will or may weaken, damage or be detrimental to The Money Panel Brand or the reputation or goodwill associated with The Money Panel Brand or the Licensor, or that may invalidate or jeopardise any registration of The Money Panel Brand.

2.10 The Licensee shall not apply for, or obtain, registration of The Money Panel Brand for any goods or services in any country.

2.11 The Licensee shall, at its own expense, at any time requested by the Licensor, supply a reasonable sample of the Licensee's materials to the Licensor for approval.

This Licensing Agreement forms part of and is subject to all terms and conditions set out in the main Agreement above.