PREAMBLE

WHEREAS, WordCovers, operated by Mariam Aziz (the Company), operates a business providing educational programs, training, and related services

WHEREAS, this Agreement sets forth the terms and conditions governing the relationship between the Company and the client (Client)

NOW, THEREFORE, in consideration of the mutual agreements and covenants herein contained, the Parties hereby, intending to be legally bound, agree as follows

1. SERVICES PROVIDED

1.1 Scope of Services

The Company provides access to educational programs, which may include, but are not limited to:

Online courses, trainings, live or recorded coaching calls, Q&A sessions

Digital resources, templates, worksheets, and materials

Private or group communities hosted on third-party platforms

Collectively, the Services or Programs

1.2 Nature of Services

The Client expressly acknowledges and agrees that all Services are educational and informational in nature only

No specific strategy, marketing method, outreach technique, or implementation approach is mandatory

Any examples discussed are optional and provided solely for educational purposes

The Company does not guarantee results, income, clients, business success, or outcomes of any kind

1.3 Program Content and Modifications

The Client acknowledges and agrees that the structure, format, curriculum, materials, content, delivery method, schedule, and components of any Program are provided at the Company’s sole discretion and may be updated, modified, replaced, added to, or removed at any time.

Such modifications may be made to improve quality, reflect updated information, adapt to platform changes, or enhance the learning experience and shall not constitute a material change, misrepresentation, or grounds for refund, cancellation, or dispute.

The Company makes no representation that any specific topic, strategy, method, or material will remain unchanged for the duration of the Program.

2. TERM AND ACCESS

2.1 Term

The Company agrees to provide the Client access to the Program for the specific access term disclosed at checkout and selected by the Client at the time of purchase. The access term may be four (4) months, twelve (12) months, or another stated duration, and shall begin on the date of purchase.

2.2 Program Details by Reference

Program-specific details, including but not limited to duration, access length, pricing, inclusions, bonuses, and support, are disclosed at the time of purchase and are incorporated into this Agreement by reference.

Failure to review Program details does not relieve the Client of obligations under this Agreement.

3. TERMINATION

3.1 Termination for Cause

This Agreement may be terminated by the Company, without refund, upon the occurrence of any of the following

Failure to remedy a breach of this Agreement

Insolvency or bankruptcy of the Client

A determination, on reasonable grounds, that mutual trust and confidence no longer exist

Inappropriate or disruptive behaviour, including but not limited to harassment, threats, abusive conduct, spamming or soliciting other participants, sharing access credentials, reproducing or distributing proprietary materials, racist, sexist, or discriminatory behaviour

3.2 Effect of Termination

Upon termination for any reason

All fees paid remain non-refundable

The Client remains responsible for all outstanding balances

Loss of access does not release payment obligations

3.3 Termination Upon Refund Request or Dispute

Any request for a refund, cancellation, reversal, chargeback, dispute, or threat of dispute shall be result in the immediate loss of access to the Program without refund or cancellation of future payments.

Upon such request or action, the Company reserves the right to immediately and permanently terminate the Client’s access to all Programs, communities, platforms, materials, and support without notice and seek legal action.

Termination of access does not relieve the Client of any payment obligations, and all remaining balances shall remain due in full.

3.4 Community Protection

The Company reserves the right to remove any Client whose conduct, communications, or actions disrupt the learning environment, undermine community trust, or negatively impact the experience of other participants.

Such removal shall be at the Company’s sole discretion and shall not entitle the Client to any refund, credit, or continued access.

4. CONSIDERATION AND PAYMENT

4.1 Fees

The Client agrees to pay the fees selected at checkout. All prices are exclusive of applicable taxes unless stated otherwise.

4.2 Payment Plans

If a payment plan is selected

Payments will be charged automatically on the agreed schedule

The Client remains responsible for all installments regardless of participation or completion

Early disengagement does not cancel payment obligations

By choosing a payment plan option you acknowledge that the total amount is due and is non-cancelable.

4.3 Non-Payment

If payment is not received on time,

Access may be suspended or terminated immediately.

The full outstanding balance remains due.

4.4 Suspension and Loss of Access

If access to any Program, community, or material is suspended due to non-payment, failed payment, or late payment, the Client permanently forfeits access to all content, calls, support, and materials released during the suspension period.

Access will not be reinstated retroactively, and no extensions, make goods, credits, or refunds will be provided for any missed content or access period.

5. NO REFUNDS AND NO CANCELLATIONS

5.1 All sales are final.

5.2 There are no refunds, cancellations, or credits under any circumstances, including but not limited to dissatisfaction with content, lack of participation, failure to attend calls.

5.3 By purchasing regardless of usage of the Program, you understand and agree that all sales are final and no refund will be provided.

5.4 There are no refunds on any payments regardless of your participation.

5.6 There are no refunds on any payments, regardless of not wanting to use a method outlined in the program or disliking a method presented.

6. CHARGEBACKS AND PAYMENT DISPUTES

The Client agrees not to initiate or threaten any chargeback, dispute, or payment reversal.

Any chargeback or threat of a chargeback constitutes a material breach of this Agreement that results in the immediate termination of access ot the Program.

In such event, the Client stills owes the Company to the total amount due and the Company reserves the right to enforce the original Terms and Conditions, recover outstanding balances and associated fees through legislative action, report the Client to appropriate channels by including the name, email address, order date, order amount, and billing of the Client, and permanently restrict access to current and future programs.

7. INTELLECTUAL PROPERTY

All Program content is the exclusive intellectual property of the Company.

The Client may not copy, reproduce, distribute, record, resell, or share any materials without prior written consent.

7.3 Recordings and Promotional Use

All live calls, group sessions, trainings, and community interactions may be recorded by the Company. By participating, the Client grants the Company an irrevocable, worldwide, royalty free right to use, reproduce, edit, distribute, and display such as but not limited to recordings, screenshots and other forms of material in whole or in part, for educational, marketing, and promotional purposes.

7.4 Ownership of Community Content

All materials, discussions, posts, comments, resources, and content shared within any Company hosted platform, including but not limited to Facebook groups, community portals, live calls, and messaging platforms, are the exclusive property of the Company.

The Client acquires no ownership rights and may not reproduce, distribute, screenshot, record, or reuse such content for any purpose.

8. CONFIDENTIALITY

The Client agrees to maintain confidentiality regarding Program content, other participants, and community discussions and communications.

Unauthorized disclosure may result in immediate termination without refund.

9. NON SOLICITATION

The Client agrees not to solicit or interfere with the Company’s employees, clients, contractors, or service providers.

10. PERSONAL RESPONSIBILITY AND NO GUARANTEES

The Client acknowledges that results depend on individual effort and circumstances. Past results do not guarantee future outcomes. The Client understands and acknowledges that the Company does not guarantee any results and that the information provided is not a replacement for professional advice and is strictly for educational purposes.

11. LIMITATION OF LIABILITY

To the fullest extent permitted by law, the Company shall not be liable for any direct, indirect, incidental, or consequential damages arising from participation in the Programs.

12. INDEMNIFICATION

The Client agrees to indemnify and hold harmless the Company from any claims, losses, or damages arising from breach of this Agreement or misuse of the Programs, to the extent permitted by law.

13. FORCE MAJEURE

The Company shall be liable for delays or failure to perform due to events beyond reasonable control, including illness, platform outages, or acts of God.

14. MEDIATION

The Parties agree to attempt to resolve disputes through mediation in accordance with the Code of Civil Procedure (Québec) prior to litigation. Costs shall be shared equally.

15. GOVERNING LAW AND JURISDICTION

This Agreement is governed by the laws of the Province of Québec.

The Parties submit to the exclusive jurisdiction of the courts of Montréal, Québec.

16. GENERAL PROVISIONS

16.1 Entire Agreement

This Agreement constitutes the entire agreement between the Parties.

16.2 Modification

Any modification must be in writing and signed by the Company.

16.3 Independent Contractor

Nothing herein creates an employment, partnership, or joint venture relationship.

16.4 Language

This Agreement is drafted in English only.

Il est la volonté expresse des parties que cette convention soit rédigée en anglais seulement.

17. ELIGIBILITY

The Program is intended for individuals aged 18 years or older.

By enrolling, you confirm that you meet this requirement.

ACCEPTANCE

By purchasing and checking the acceptance box at checkout, the Client confirms they have read, understood, and agreed to be legally bound by this Agreement. Checking the acceptance box at checkout constitutes an electronic signature of acceptance of these terms.

I AGREE