BROWN GIRL MONEY  - TERMS AND CONDITIONS

Last updated February 2023. 

These are the terms and conditions of Brown Girl Money Ltd, a company registered in England and Wales under company number 13768902 whose registered office is at 101 Belgrave Road, London, England, SW1V 2BH (“we” or “us”). 

This page tells you the terms on which you may use our website, available at browngirlmoney.com(“website”) or purchase our coaching services and access to our course (“services”). By using the website or purchasing our services, you accept these terms. If you don't accept them, please don't use the website or purchase our services. We may update these terms from time to time, so please check back regularly as any updates will apply to your use of the website. 

Any content on our website or provided as part of the services is for informational and/or guidance purposes only. It is not intended to be relied upon or to constitute specific financial advice for your circumstances. 

COURSE 

Our mission is to make personal finance easy and simple but also fun, with an appreciation for the difficulties and challenges faced in achieving financial freedom. 

Our course lasts for 12 months, after which time these terms, and your access to the course, will automatically come to an end, unless we agree to an extension with you (in exceptional circumstances). As part of the course, you will receive: 

•  Access to Kajabi, where our course will be hosted 
•  Access to live training sessions on Zoom 
•  Access to replays of the live sessions 
•  Access to pre-recorded training sessions 
•  Access to an exclusive Facebook group 
•  Assignment to a peer-led accountability group (optional, and only if your request/application is submitted by the deadline) 
•  Monthly coworking sessions (these are not coaching sessions, but group zoom calls to allow for focused work) 
•  Workbooks and electronic course materials 

Your access to Kajabi and the Facebook group is personal to you and so you shouldn’t share access with anyone else. If we think you have failed to keep confidentiality, we may disable any security information (including your passwords and codes). Please note we have no control over Kajabi and so we can’t guarantee that it will be available 100% of the time. 

When you join the course, we want you to feel like you’re all on the same team working towards similar goals. You might have the option to join small accountability sessions where you can get together in your own time to keep each other accountable, work through your tasks or even or just have a chat socially. We do not take any responsibility for the group itself once it has been assigned as this is peer led. We do our best to assign you to a group that will be active and engaged. We will also provide guidance on how to run an accountability group. But the progress of the group itself will depend on you and your peers. Please note that these groups are only assigned a few times a year, so please look out for our emails and ensure your application is submitted by the deadline. 

Our Coaches 

The calls are hosted by Aaminah OR one of her expert co-coaches. All of our coaches are successful investors, have extensive personal finance knowledge, and have their own businesses. We alternate between teachers so you can tap into the wealth of experience each of them has to offer. 

Your Success 

We will do everything in our power to support you. You have the opportunity to submit questions via the Facebook Group and to pre-submit questions for the weekly Q&A calls. We have a very supportive and encouraging community of people rooting for you to succeed. 

We have monthly coworking sessions to help keep you accountable, and the opportunity to be a part of a peer-led accountability group. Everything is recorded and timestamped, to allow you to learn at your own pace. 

However, your success is in your own hands. It is your responsibility to show up and do the work. The success stories we have shared are all of women who made use of all the resources available and remained engaged in the programme. 

Payments 

When you sign up to our course on Kajabi, you will be asked to enter your personal and payment details, taken by Stripe. We recommend that you read the terms and conditions and privacy policy of Kajabi and Stripe before making payment. 

You can either pay for the course in 6 instalments of £357 each (total cost of £2,142, or if you pay all upfront, our total fees are £1,997.) 

We may offer limited time bonuses/offers from time to time. We can withdraw these at any time and we cannot guarantee the offer will be available when you’re looking to make a purchase. Your bonuses/any special offers we have running, will be listed on the sales page at the time of purchase. 

All instalments will be taken from the original payment card 30 days after the initial payment is made, and will continue to be taken on the same date each month until the full balance has been paid. 

Payment plans are not provision of services on a monthly basis. This means that when you agree to these terms, you commit to paying the full price of the course, and the payment plan is provided simply to allow this to be more affordable. 

In the event of late payment, we reserve the right to suspend our services and charge interest at a rate of 5% above the Bank of England base rate from time to time, whether before or after judgement, until payment is made and to refer any arrears to a debt collection agency or take legal action and pass on our costs to you. We’re not liable to you for the effects of any suspension of our services. 

As you will receive access to our intellectual property, namely the digital products available on Kajabi, as soon as you purchase our course, all sales are final and you are not entitled to a refund. We provide you with the opportunity to view the course in real time and speak to a member of our team, before making the purchase. By agreeing to these terms and conditions, you have waived your right to a refund and the 14-Day cooling off period. 

Recording sessions 

It’s important we make you aware at the outset that all live Zoom sessions will be recorded and made available to all participants of the course (whether they were able to attend live or not). If you’re not keen on sharing your camera or your real name, that’s absolutely fine. We will comply with our data protection obligations and only retain recordings as long as is reasonable. Please see our privacy policy for more information here. 

Behaviour 

It’s so important that the group sessions and Facebook group are safe places and we ask that your behaviour towards others is always polite, kind, supportive and respectful. 

The purpose of the sessions and Facebook group is to focus on your personal and financial development, so please don’t use these places to promote your services or solicit clients. You should always follow Facebook’s community guidelines when communicating with each other. We ask that all attendees of the sessions respect the rights of others in respect of their behaviour, privacy and confidentiality. When attending the live sessions, you must not record them in any way, and this includes taking a photo of your screen. 

If your behaviour is deemed offensive, inappropriate or against the guidelines we set, we reserve the right to remove you from the session and Facebook group with immediate effect and you won’t be entitled to a refund. 

We will also monitor communications in the Facebook group and if there is any unnecessary negativity or negative behaviour, we reserve the right to remove these posts. We’re not responsible for the behaviour and actions of, or views or opinions shared by, other attendees. We also won’t be responsible for the action of any attendees including for any disclosures made by any attendees based on information which has been shared within the group session. 

Privacy and confidentiality 

Your privacy and protection of your personal data is important to us, please refer to our privacy policy for more information on this here. 

During the course, you may have access to confidential information, in particular the personal affairs of other participants. In accepting these terms, you agree that you will not use or disclose to any person, organisation or company, and will use your best endeavours to prevent the publication of any confidential information relating to any other participant. You accept that any unauthorised disclosure of personal or confidential information belonging to another may amount to immediate dismissal from the course. Should you decide to leave the course, then you remain bound by the confidentiality and privacy obligations. 

Intellectual property rights 

We’re very proud of the material we post on our website or make available to you having paid for the course. We’re either the owner or licensee of this material, including but not limited to templates, spreadsheets, workbooks, guides, videos, documents, presentations (the “content”). The content is protected by copyright. You’re allowed to stream and/or download one copy of the content (as applicable depending on the type of content) onto your personal device, for personal purposes only. 

You’re not permitted to: 

•  rent, lease, sub-license, loan or otherwise make the content available to any person; ● copy the content, except as part of the normal use of the content; 
•  translate, merge, adapt, vary, alter or modify the content, nor allow the content to be incorporated into other programmes; 
•  disassemble, decompile, reverse engineer or create derivative works from the content. 

You must also comply with all applicable law when using the content. Essentially, the information we provide you as part of the course is provided to you and you only. If you breach these terms, you may lose your right to use our content, and must destroy or return any copies you have made. 

Disclaimers 

We are a financial educator and coach, providing educational products and tools only. At no point will we be able to give you specific investment advice as we’re not a financial advisor, and we don’t hold ourselves out as such. Investing and trading is inherently risky and therefore we can't advise you on which investments or financial decisions to make. If you require assistance with your finances, investments or pension, or any other topic discussed during our services, you should speak to an appropriate professional. We may provide you with recommendations of advisors you may choose to work with, but we’re not making any warranties or guarantees on behalf of that advisor. 

We make no guarantees or claims as to the success of any course participant. Each individual is unique, as is the commitment they make to themselves to apply the lessons into their life and their finances. The aim is that by working through the training and resources and taking advantage of all of the elements which the course has to offer, you will have new information, awareness and tools to create change in your life. We’re not responsible for any outcomes you do or do not achieve through your participation in the course, or any action or inaction which you take as a result of the information provided during the course 

We don’t make any guarantees of future earnings, profits or results. You’re entirely responsible for your own results. All information provided will be general information and guidance and will not be bespoke advice. 

Our legal responsibility to you 

We don’t guarantee the accuracy of material on the website or our services. As far as legally possible, we exclude legal responsibility for the following: 

•  any loss to you arising from use of the website 
•  loss of income or revenue, anticipated savings, business, opportunity, profit or goodwill
• any indirect, special or consequential loss. 

We don’t make any warranties or guarantees about the services you may experience through your use of the website or our services. We also exclude, as far as legally possible, all terms and warranties or promises implied by law or by statutes. We don’t exclude legal responsibility for death or personal injury owing to our negligence, or legal responsibility for fraud or fraudulent misrepresentation, or for anything else where exclusion is not allowed by the law. We can't be held liable for any action you do or do not take following your participation in our services as you are solely responsible for the decisions you make. 

Where an event occurs that is outside our control, we will do our best to manage this. However, it may prevent us from providing certain parts of the course to you, and we will not be liable for this failure. 

Our total liability to you under these terms is limited to twice the fees you have paid for our services.

WEBSITE 

Use of the website 

You have permission for temporary use of the website, but we can withdraw or change our service at any time without telling you and without being legally responsible to you. 

You must treat all identification codes, passwords and other security information as confidential. If we think you have failed to keep confidentiality, we are allowed to disable any security information (including your passwords and codes). 

If you allow anyone else to use the website, you must make sure that they read these terms first, and that they follow them. If you download the website onto someone else’s device, it is your responsibility to ensure you have that person’s permission. Only use the website as allowed by law and these terms. If you don't, we may suspend your usage, or stop it completely. 

We frequently update the website and make changes to it, but we don't have to do this, and material on the website may be out-of-date. No material on the website is intended to contain advice, and you shouldn't rely on it. We exclude all legal responsibility and costs for reliance placed on the website by anyone. 

When we roll out updates for the website, these will be to improve functionality and performance of the website, address security issues or reflect changes to the operating system. If you do not update the website when requested, it may no longer run as expected. 

If you have any issues using the website, please contact us at [email protected]. Acceptable use of the website 

When using the website, you must not: 

•  use the website in an unlawful manner or act fraudulently or maliciously (including inserting malicious code into the website); 
•  infringe our intellectual property rights or that of a third party; 
•  transmit anything which is defamatory, offensive or otherwise objective; ● use the website in a way that could damage, disable, overburden, impair or compromise our systems; or 
•  collect or harvest information from the website to attempt to decipher any transmissions to or from our servers. 

Uploading to the website 

If you upload material to the website and we don’t deem your usage to be acceptable, we can remove the content and end your use of the website. Material that you upload will be regarded as non-confidential and not owned. This means that we can copy it, distribute it, and show it to other people for any purpose. You agree that if anyone else claims to own the material, or says that it breaches their rights, we can give them your identity. 

We won't be legally responsible to anybody for the accuracy of material that you upload to the website, and we can remove it at any time. 

Computer offences 

If you do anything which is a criminal offence under the Computer Misuse Act 1990, your right to use the website will end straightaway. We will report you to the relevant authorities and give them your identity. Examples of computer misuse include introducing viruses, worms, Trojans and other technologically harmful or damaging material. 

You must not try to get access to the website or server or any connected database or make any 'attack' on the website. We won't be legally responsible to you for any damage from viruses or other harmful material that you pick up via the website. 

Links from the website 

Links from the website to other websites are for information only. We don't control them and we don't accept responsibility for other websites or any materials found upon them or any loss you suffer from using them. 

General 

We intend to rely on the written terms set out in these terms for the services that we provide to you. These written terms constitute the entire agreement between us. 

Should there be any conflict between these terms and any hosting platform or payment gateway, these terms shall prevail. 

We may update these terms from time to time. Where we do so, the updated terms will apply to you. Please check back regularly to ensure you are aware of the most current terms that apply to your use of the website or our services. 

If any provision or part-provision of these terms is or becomes invalid, illegal or unenforceable, it shall be deemed modified to the minimum extent necessary to make it valid, legal and enforceable. If such modification is not possible, the relevant provision or part-provision shall be deemed deleted. Any such modification or deletion shall not affect the validity and enforceability of the rest of these terms. 

If there is a dispute arising out of these terms, the English courts will deal with it. English law applies to these terms.