SERVICES AGREEMENT + TERMS OF PURCHASE

By clicking “Buy Now,” “Purchase,” or any other phrase on the purchase button, entering your credit

card information, or otherwise enrolling, electronically, verbally, or otherwise, in any of the Programs,

sessions, digital products, services, or books (the “Program”), you (the “Customer”) agree to be

provided with products, programs, or services by KATERINA ARAPIS (“Coach”), and you are entering

into a legally binding agreement with the Coach, subject to the following terms and conditions:

I. PROGRAM

A) Service

Katerina Arapis (herein referred to as “Coach”) agrees to provide services, trainings, courses or otherwise (the

“Program”) of Katerina Arapis. Customer agrees to abide by all policies and procedures as outlined in this

agreement as a condition of their participation in the Program.

B) Requirements

You must be at least 18 years of age or older to purchase this Program. The Program is available for individual

purchase only. Friends, family, partners, colleagues, etc, will need to each purchase the Program individually. You

are expressly prohibited from sharing access to the Program with anyone else. Additionally, you have no right to

assign this Agreement as this Program is non-transferable

2. Earnings Disclaimer + Individual Responsibilities

Customer understands Coach and its subsidiaries, owners, principals, directors, executives, employees, staff, or

agents are not lawyers, doctors, managers, therapists, business managers, registered dieticians, financial

analysts, psychotherapists or accountants.

Coach cannot guarantee any success or projected increased income from using this Program. Although there

are many happy students of the Programs named, many of whom have provided testimonials, their results may

not be typical for everyone and they are not intended to guarantee, promise, represent and/or assure that you

will achieve similar results from taking the Program. Each person’s success and results depends on many factors,

including dedication, desire and motivation. You accept the risk of not achieving any results (or less than

desirable results) from taking the Program. The Program does not provide any professional financial, legal,

medical or psychological services or advice. None of the content of the Program cures or treats any mental or

medical condition.

You are responsible for your own physical, mental and emotional well-being, decisions, choices, actions and

results. Coach disclaims any liability for your reliance on any opinions or advice contained in the Program. Any

third party links to products or services are subject to separate terms and conditions. Coach is not responsible for

or liable for any content on or actions taken by such third party websites. Although Coach may recommend third

party sites, products or services, it is your responsibility to fully vet such third parties before entering into any

transaction or relationship with them.

Customer understands and agrees that Customer is fully responsible for their mental wellbeing during the

Program, including their financial, business, mental and physical choices and decisions during the Program.

Customer agrees to seek financial, business and medical advice as determined by their own judgment before

starting this or any other Program or discontinuing use of any medications as prescribed by their medical

practitioner. Customer understands Customer is fully responsible for any and all adverse reactions, including but

not limited to, emotional or physical reactions to the content in the Program.

Customer understands that all suggestions offered by Coach are solely for the purpose of aiding Customer in

achieving Customer’s defined goals. Customer has the ability to give their informed consent, and does hereby

give such consent to Coach to assist in achieving such goals. Additionally, the services are offered on an "as is,"

"where is," and "where available" basis, with no warranty of any kind — whether express, implied, or statutory —

including, but not limited to, warranties of title or the implied warranties of merchantability or fitness for a

particular purpose. This does not affect those warranties which are incapable of exclusion, restriction, or

modification under the laws applicable to this agreement.

Customer acknowledges that neither Coach, its affiliates, nor any of their respective employees, agents, third

parties, or licensors warrant that the services will be uninterrupted or error free; nor do they make any warranty

as to the results that may be obtained from use of the services, or as to the timeliness, sequence, accuracy,

reliability, completeness, or content of any information or service provided through the Program. Customer

understands that Coach does not offer any representations, warranties, or guarantees, verbally or in writing,

regarding any results of any kind. Customer agrees that its results are dependent on various factors and in no

way are dependent on any information Coach provides to Customer.

Except as specifically provided in this agreement or where the law requires a different standard, you agree that

Coach is not responsible for any loss, including financial loss, damage, or injury caused by use of the Program. To

the maximum extent permissible under applicable law, Coach will not be responsible to Customer or any third

party claims through Customer for any direct, indirect, special or consequential, economic or other damages

arising in any way out use of the Program.

3. The Commitment Period

The Commitment Period is the dates that the Program has been scheduled for and paid for by the participant.

Customer understands all benefits shall expire at the end of the Commitment Period, and will not be

carried-over. All of Customer’s benefits must be used during the Commitment Period.

4. Fees

All payment options (paid in full and payment plans) are displayed on the website, social media, or verbally

stated to the Customer.

If the Customer purchases a Program that is a Certification in nature, the purchase price includes a one-time

$100 completion certification fee, which is already built into the purchase price.

If the Customer misses more than one (1) payment for a training program, Customer’s access to the Program

shall be suspended until payments are up-to-date.

The Customer is still liable for the total cost of the Program.

The Customer understands that once the deposit has been paid for the program, they are committing to paying

for the full program. There are no refunds available at any stage of the program, including deposits.

5. Method of Payment

Customer shall pay by stripe, direct bank deposit or paypal. If the Customer elects to pay by monthly installments

and/or by payment plan, Customer authorizes the Coach to charge Customer’s credit card each month.

You are responsible for paying for the Program in full and for providing Coach with a valid credit card or other

payment method. If the payment is declined, returned or deemed fraudulent, your access to the Program will be

terminated until all payments are made in full.

If you enrolled through the payment plan and you miss a payment, your access to the Program will be suspended until you provide a valid credit card or other payment method.

Multiple missed payments may result in termination of your access to the Program unless all remaining payments are made in full.

6. Refund Policy

Given the nature of the Program, no refunds will be offered. Customer understands that no refunds are offered at

any time during the Program and there are no refunds on deposits made towards the Program.

We do not tolerate or accept any type of chargeback threat or actual chargeback from your credit card company

or payment processor.

In the event that a chargeback is placed on a purchase or we receive a chargeback threat during or after your purchase, we reserve the right to report the incident to all three credit reporting agencies or to any other entity for inclusion in any chargeback database or for listing as a delinquent account which could have a negative impact on your credit report score.

The information reported will include your name, email address, order date, order amount, and billing address.

Chargeback abusers wishing to be removed from the database shall make the payment for the amount of the chargeback.

7. Communication with Coach

For questions regarding scheduling or the Program, please message the Coach directly via Facebook

Messenger. Coach will respond to Customer Service inquiries within 2 working business days. Messages received

on national holidays, company vacation days stated in the Program calendar, or on a weekend will receive a

response within the following two (2) working business days.

8. Confidentiality

The Coach-Customer relationship is not a relationship protected by legal confidentiality (like doctor-patient or

attorney-client). As such, the Coach could be required to divulge otherwise confidential information to

authorities. From time to time, the Coach may share the nature of the coaching session, without any Client

identifying details, with either another coaching professional or mentor for the purpose of the Coach seeking

guidance, or with students, readers or online for educational, marketing and/or commercial purposes.

9. Non-Disclosure of Materials

Material given to Customer in the course of Customer’s work with the Coach is proprietary, copyrighted and

developed specifically for Coach. Customer agrees that such proprietary material is solely for Customer’s own

personal use. Any disclosure to a third party is strictly prohibited.

10. No Transfer of Intellectual Property

This Program includes materials protected by copyright, trademark and other intellectual property laws. Such

materials include but are not limited to written text, workbooks, videos, audio recordings, photos, designs and

graphics. Any reproduction or unauthorized use shall constitute infringement. Duplicating, sharing or uploading

Program files to sharing sites is considered stealing and Coach may prosecute such misconduct to the fullest

extent permitted by law. Coach provides you with this Program solely for your personal, noncommercial use and

you agree that you will not use such proprietary information or materials in any way whatsoever except for use in

compliance with this Agreement. You will not use the Program in a manner that constitutes infringement or that

has not been authorized by Coach.

More specifically, you may view, download, print, email and use these materials for your personal,

noncommercial purposes only. You may not republish, reproduce, duplicate, copy, display, distribute or

otherwise use any material from the Program for commercial purposes. Additionally, you may not modify,

republish, upload, post, transmit, rent, lease, loan, translate, sell, create derivative works, exploit or distribute in

any manner or medium, including by email or other electronic means, any material from the Program.

11. Customer Responsibility

Customer accepts and agrees that Customer is fully responsible for their progress and results from the Program.

Coach makes no representations, warranties or guarantees verbally or in writing regarding Customer’s

performance. Customer understands that because of the nature of the Program and extent, the results

experienced by each Customer may significantly vary. Customer acknowledges there is no guarantee that

Customer will reach their goals as a result of participation in the Program or that Customer will graduate and

receive certification from the Program.

12. Force Majeure

In the event that any cause beyond the reasonable control of either Party, including, without limitation, acts of

God, war, curtailment or interruption of transportation facilities, threats or acts of terrorism, State Department

travel advisory, labor strike or civil disturbance, make it inadvisable, illegal, or impossible, either because of

unreasonable increased costs or risk of injury, for either Party to perform its obligations under this Agreement,

the affected Party’s performance shall be extended without liability for the period of delay or inability to perform

due to such occurrence.

13. Severability/Waiver

If any provision of this Agreement is held by to be invalid or unenforceable, the remaining provisions shall

nevertheless continue in full force. The failure of either Party to exercise any right provided for herein will not be

deemed a waiver of that right or any further rights hereunder.

II. MISCELLANEOUS

A) Limitation of Liability

Customer agrees they used Coach’s services at their own risk and that Program is only an educational, coaching

and/or consulting service being provided. Customer releases Coach, its officers, employers, directors,contractors

and related entities from any and all damages that may result from any claims arising from any agreements, past

or present, between the parties. Customer accepts any and all risks, foreseeable or unforeseeable. Customer

agrees that Coach will not be held liable for any damages of any kind resulting or arising from including, but not

limited to; direct, indirect, incidental, special, negligent, consequential, or exemplary damages happening from

the use or misuse of Coach’s services or enrolment in the Program. Coach knowingly, voluntarily, and expressly,

waives any claim for damages including but not limited to; injury or death Customer may sustain as a result of

participating in this Program. Customer further declares and represents that no promise, inducement or

agreement not herein expressed has been made to Customer to enter into this release. The release made

pursuant to this paragraph shall bind Customer’s heirs, executors, personal representatives, successors, assigns,

and agents.

B) Non-Disparagement.

In the event that a dispute arises between the Parties, the Parties agree and accept that the only venue for

resolving such a dispute shall be in the venue set forth herein below. The Parties agree that they neither will

engage in any conduct or communications with a third party, public or private, designed to disparage the other.

The Parties agree that neither will directly or indirectly, in any capacity or manner, make, express, transmit, speak,

write, verbalize or otherwise communicate in any way (or cause, further, assist, solicit, encourage, support or

participate in any of the foregoing), any remark, comment, message, information, declaration, communication or

other statement of any kind, whether verbal, in writing, electronically transferred or otherwise, that might

reasonably be construed to be derogatory or critical of, or negative toward, each other or any of its programs,

members, owner directors, officers, Affiliates, subsidiaries, employees, agents or representatives.

C) Assignment

This Agreement may not be assigned by the Customer, without express written consent of Coach. This

Agreement shall be binding upon and inure to the benefit of the parties hereto, their respective heirs, executors,

administrators, successors and permitted assigns. Waiver of any breach or the failure to enforce any provision

hereof shall not constitute a waiver of that or any other provision in any other circumstance.

D) Termination

Coach is committed to providing all customers in the Program with a positive Program experience. Customer

agrees that the Coach may, at its sole discretion, terminate this Agreement, and limit, suspend, or terminate

Customer’s access to Program without refund or forgiveness of monthly payments if Customer becomes

disruptive to Coach or Program, difficult to work with or upon violation of the terms as determined by Coach.

Customer will still be liable to pay the total contract amount. Furthermore, Coach reserves the right to pause

Customers participation in the Program if Coach deems Customer unable to safely and effectively continue in

the learning environment, until such a time when Customer is able to resume the Program.

E) Indemnification

Customer shall defend, indemnify, and hold harmless Coach, Coach’s officers, employers, employees,

contractors, directors, related entities, trustees, affiliates, and successors from and against any and all liabilities

and expense whatsoever - including without limitation, claims, damages, judgments, awards, settlements,

investigations, costs, attorneys fees, and disbursements - which any of them may incur or become obligated to

pay arising out of or resulting from the offering for sale, the sale, and/or use of the Program, excluding, however,

any such expenses and liabilities which may result from a breach of this Agreement or sole negligence or willful

misconduct by Coach, or any of its shareholders, trustees, affiliates or successors. Customer shall defend Coach

in any legal actions, regulatory actions, or the like arising from or related to this Agreement. Customer recognizes

and agrees that all of the Coach’s shareholders, trustees, affiliates and successors shall not be held personally

responsible or liable for any actions or representations of the Coach.

F) Resolution of Disputes

If a dispute is not resolved first by good-faith negotiation between the parties to this Agreement, every

controversy or dispute to this Agreement will be submitted to the Canadian Arbitration Association. The

arbitration shall occur within ninety (90) days from the date of the initial arbitration demand and shall take place

in Saskatoon, Saskatchewan or via telephone. The Parties shall cooperate in exchanging and expediting

discovery as part of the arbitration process and shall cooperate with each other to ensure that the arbitration

process is completed within the ninety (90) day period.

The written decision of the arbitrators (which will provide for the payment of costs, including attorneys’ fees) will

be absolutely binding and conclusive and not subject to judicial review, and may be entered and enforced in any

court of proper jurisdiction, either as a judgment of law or decree in equity, as circumstances may indicate.

G) Release of Liability + Consent

I, the undersigned, a participant in any programs, offers, services offered by the Coach, fully understand that no

specific guarantees of results are being made and accept for myself, my heirs, and my personal representatives,

full responsibility for any personal, bodily and/or mental injury, death, or property losses which may occur as a

result of my being a part of this program or engaging in optional sessions.

I hereby indemnify and hold Katerina Arapis (the Coach), their directors, officers, agents, employees, contractors

and successors and assign harmless from any loss, liability, claim, or demand, including reasonable attorneys’

fees, from any loss, liability, damage, and cost arising from or in any way related to my participation in The

Program, including my use of or presence upon the facilities used by the Coach.

I accept full responsibility and liability for actions and results from using any products, services or suggestions.

The Coachspecifically disclaims any liability, loss or risk, personal or otherwise, incurred as a consequence

directly or indirectly of the use and application of any techniques or contents of this seminar or manual or

materials provided, both during and after The Program. I, the participant, acknowledge that loss, damage and

expense (including, without limitation, loss of money, loss or damage to clothes or possessions, losses arising on

the cancellation of a booking and the expense of delay and harm), howsoever arising, is not the responsibility of

The Coach and their liability is hereby limited.

I, for myself, my personal representative, heirs and next of kin, fully acknowledge that participation in The

Program includes but is not limited to physical activity which could cause injury to me (participant). I am

voluntarily participating in these activities and assume all risks of injury to myself that might occur and I

acknowledge it is my responsibility to decide whether I am physically fit for participation. I am responsible for my

own personal comfort and safety and may decline participation in any activity that I wish. I hereby forever

expressly release and hold harmless The Coach, its contractors, agents, or employees from any and all claims,

actions, suits, procedures, costs, expenses, damages and liabilities and any loss or theft of personal property as a

result of my participation in these activities. I agree to pay for any damages to the facility being used by The

Coach caused by my negligent, reckless, or willful actions.

I understand that the material presented during The Program is the intellectual property of The Coach and/or its

contractors and I will neither record nor distribute the content or materials in any way without prior written

consent from The Coach.

I authorize The Coach and its speakers (if applicable) to use my success story as a testimonial and further agree

to allow the use of my voice, photo, and likeness captured in any programs via photograph, audio, or video to be

used for future products and/or marketing without compensation to me. I waive any right I may have to inspect

and/or approve any photographs, audio, or video of myself.

I agree to comply with all rules and regulations, whether posted, provided, or orally instructed, and acknowledge

my attendance can be terminated at any time without refund of tuition paid upon my disregard of any given rules

or regulations by employees, representatives, venue staff or agents of The Coach

This agreement represents the complete and entire agreement between The Coach and me. I have read and I

declare that I understand all the terms and conditions herein. I understand that I have given up substantial rights

by signing it and have signed it freely and without any inducement or assurance of any nature and intend it to be

a complete and unconditional release of all liability to the greatest extent allowed by law. I agree that if any

portion of this agreement is held to be invalid, the balance, notwithstanding, shall continue in full force and

effect. Any legal or equitable claim that may arise from participation in the above shall be resolved under

Saskatchewan law.

H) Entire Agreement

This Agreement constitutes and contains the entire agreement between the Parties with respect to its subject

matter, supersedes all previous discussions, negotiations, proposals, agreements and understandings between

them relating to such subject matter, and may not be modified, amended, or discharged, nor may any of its

terms be waived, except by an instrument in writing signed by both parties in duplicate.

I) Controlling Law

This Agreement shall be governed by and construed in accordance with the laws of the Province of

Saskatchewan, Canada. BY PURCHASING THIS PROGRAM, I HAVE READ AND AGREE TO THE WORKING

AGREEMENTS ABOVE.

Disclaimer : results are not guaranteed or typical in fact, a lot of hard work is involved.