These Terms are important and you should ensure that you read them carefully and contact Coping With Loss at office@nziwr.co.nz if you have any questions before joining our online community.

These Terms constitute the entire and only agreement between you and us and supersedes all prior agreements, conduct, representations, and understandings.

Coping With Loss' products and services are intended for people aged _ and over.

General Disclaimer:

Coping With Loss cannot and does not make any guarantees about your ability to get results or earn any money with our ideas, information, tools, or strategies.

Nothing on this page, any of our websites, or any of our content or curriculum is a promise or guarantee of results or future earnings, and we do not offer any legal, medical, tax or other professional advice. Any financial numbers referenced here, or on any of our sites, are illustrative of concepts only and should not be considered average earnings, exact earnings, or promises for actual or future performance. Use caution and always consult your accountant, lawyer or professional advisor before acting on this or any information related to a lifestyle change or your business or finances. You alone are responsible and accountable for your decisions, actions and results in life, and by your registration here you agree not to attempt to hold us liable for your decisions, actions or results, at any time, under any circumstance.

We provide support, guidance and tools for you to set goals, determine priorities and achieve results, but any decision you make, and the consequences that flow from such decisions, is your sole responsibility. Your success depends on many factors, including your dedication, participation, desire, and motivation.

Any testimonials and examples within our marketing materials are not to be taken as a guarantee that you will achieve the same or similar results.

You acknowledge and agree that Coping With Loss, its directors, principals, employees and representatives are not responsible for decisions that you may make nor losses that may arise out of any business or personal decision made by you at any time.

Earning and Income Disclaimer

Coping With Loss cannot and does not make any guarantees about your ability to get results or earn any money with our ideas, information, tools, or strategies. You acknowledge that there is an inherent risk in any business enterprise or activity and agree there is no guarantee that you will earn any money as a result of your purchase of our products and/or services.

Confidentiality

We respect your confidential and proprietary information, ideas, plans and trade secrets (collectively, Confidential Information) and by using our products and/or services, you agree to respect the same rights of the other Coping With Loss product and/or services participants (Participants) and representatives of Coping With Loss.

You agree:

That any confidential information shared by Participants or any of our representatives is confidential and proprietary and belongs solely and exclusively to the Participant who discloses it or to us.

Not to disclose such information to any other person or use it in any manner other than in discussion with Participants during training sessions.

That all materials and information provided to you by us are our confidential and proprietary information and intellectual property, belong solely and exclusively to us, and may only be used by you as authorised by us.

That if you violate, or threaten to violate, any of your agreements contained in this paragraph we will be entitled to, among other things, injunctive relief to prohibit such violations.

While you are free to discuss your personal results from our services, you must keep the experience and statements, oral or written, of the Participants in the strictest of confidence.

Right to Suspend, Terminate and Refund

We reserve the right to suspend or terminate your use of our products and/or services generally, if you breach any of these Terms, as determined by us in our sole discretion.

Refunds are not provided for our products and/or services, including where you have been given access to Our Content or our Coping With Loss Community, whether accessed by you or not, unless we are in breach of the New Zealand Consumer Law, as set out in Schedule 2 to the New Zealand and Competition Act 2010 (Cth).

Financial Terms

Each refund request will be assessed on a case-by-case basis and when genuine value has not been received or isn’t able to be received, refunds will be granted at the discretion of the Coping With Loss team.

Invoices for any Coping With Loss program are automatically generated and can be requested at any time by emailing office@nziwr.co.nz

Most of our payments are operated through an online and automated billing system (Online Payment). Where your payments are made via Online Payment:

You agree to ensure sufficient funds are available in your nominated account to meet any account withdrawals made by us on their scheduled due dates.

If payment is defaulted or not received, you authorise us to debit any outstanding funds from your nominated account without the need for notification at a future date.

Where another agent or enterprise is debiting funds pursuant to an arrangement entered into with us, you also affirm the same rights and undertakings explained in these Terms to them.

We reserve the right to suspend or terminate any product or service, at our discretion, if payment has defaulted.

We reserve the right to on-sell or otherwise authorise a debt collection or other authorised agency to collect any amount not paid by you.

We reserve the right to inform credit watch monitoring services of ongoing defaults trends or payment-avoiding strategies employed where we deem it is appropriate.

We endeavour to work with clients who have financial difficulties to ensure actions such as those listed above do not happen. If you are having difficulties or require a payment plan, please contact us.

In circumstances where we invoice you for payment, payment is due and payable by the payment date noted on the invoice. Failure to make payment by the payment date may lead to suspension of use of our product and/or services.

From time to time, Coping With Loss may offer members the opportunity to purchase additional products and services at a discounted rate. To be eligible for this discount, you must be an active member in good standing at the time of purchase.

Liability is Limited

The disclaimers, liability limitations and indemnities within these Terms do not exclude rights that by law may not be excluded. Such rights include, but are not limited to, those rights under the New Zealand Consumer Law.

We do not make any express or implied representation or warranty about, or shall be liable, in contract, tort (including negligence) or otherwise, for any direct, indirect, special or consequential loss, damages or reliance in connection with any of our Site, Coping With Loss Community or Our Content.

In no event will we be liable for any damages whatsoever, including but not limited to any direct, indirect, special, consequential, punitive or incidental damages, or damages for loss of use, profits, data or other intangibles, or the cost of procurement of substitute products or services arising out of or related to the use, inability to use, unauthorised use, performance or non-performance of or reliance upon this Site, Coping With Loss Community or Our Content.

These limitations and terms include (but are not restricted to) loss or damage you might suffer as a result of:

Reliance on the completeness, accuracy, suitability or currency of information, products or services irrespective of any verifying measures taken by us (including third party material and advertisements).

Failure of performance, error, omission, interruption, deletion, defect, failure to correct defects, delay in operation or transmission, computer virus or harmful component, loss of data, communication line failure, unlawful third party conduct, or theft, destruction, alteration or unauthorised access to records.

Accessing websites or servers maintained by other organisations through links on our Site, Coping With Loss Community or products or services. Links are provided for convenience only. We do not endorse linked websites nor their products and services and you access them at your own risk.

The use of credit card or other financial information, failure to complete (or delay in completing) any transaction, or other loss or damage arising from any transaction made or attempted on our Site.

Your Indemnity

You indemnify us from all actions, suits, claims, demands, liabilities, costs, expenses, loss and damage (including legal fees on a full indemnity basis) incurred or suffered by you or us as a direct or indirect consequence of using or attempting to use our information, products, services or any breach by you or your agents of these Terms. We are not responsible for, and expressly disclaim all liability to the fullest extent permitted by law, for damages of any kind arising out of use, reference to, or reliance on any information contained within our Site, Coping With Loss Community or through use of our products or services.

Affiliate Disclosure

As affiliates of certain products and services, we may receive compensation for recommending and promoting products/services linked to from this Site or via our Coping With Loss Community.

Dispute Resolution

If a dispute arises between the parties in relation to these Terms, the dispute must be dealt with in accordance with this clause and any party claiming that a dispute exists must notify the other party to the dispute (Second Party) in writing of the nature of the dispute.

In the case of claims against us, all notices are to be provided to office@nziwr.co.nz.

If the dispute is not resolved by agreement within five (5) business days of the Second Party receiving the notice referred to above, either party may refer the matter to mediation conducted by a mediator agreed between the parties within a further five (5) business days or failing agreement within that period, as appointed by the executive director for the time being of the New Zealand Commercial Disputes Centre Limited.

Once a mediator is appointed, the parties agree that:

The costs of the mediator shall be borne equally between the disputing parties.

The chosen mediator shall determine the procedures for mediation.

The chosen mediator will not have the power or authority to make any other determination in relation to the dispute.

If the parties have not mediated a resolution of the dispute within ten (10) business days of the selection of a mediator, neither party shall be obliged to continue any attempt at mediation under this clause, and either party may then commence such legal proceedings as it considers fit in relation to the dispute.

Nothing in this clause prevents a party from commencing proceedings seeking urgent interlocutory relief from a court or tribunal of competent jurisdiction to hear the matter, if, in that party’s reasonable opinion, it is necessary to protect their rights.

Despite the existence of a dispute the parties must continue to comply with their obligations under the contract.

This clause survives termination of these Terms.

Applicable Law

These Terms shall be construed in accordance with and governed by the laws of South Australia. You consent to the exclusive jurisdiction of the courts in South Australia to determine any matter or dispute which arises between us.

Your Feedback

We welcome enquiries or feedback. We shall treat any information you provide us with, as non-proprietary and non-confidential.

If you have questions or comments regarding this Site, or Coping With Loss products or services, please email us at office@nziwr.co.nz

Company Details

Trading Name: Coping With Loss

NZBN:

Country: New Zealand

Telephone Number:

Email: office@nziwr.co.nz

APPENDIX

Community Guidelines

Business owners of all levels are welcome here. We have community members of all skill and experience levels, from college students to entrepreneurs to multi-million dollar enterprises.

We want people to feel safe when using our groups and forums. For that reason, we’ve developed a set of community guidelines, outlined below. These policies will help you understand what type of sharing is allowed in our private groups and communities, and what type of content may be reported to us and removed. Because of the diversity of our global community, please keep in mind that something that may be disagreeable or disturbing to you may not violate our community guidelines.

Business owners of all levels are welcome here

We have members of all skill and experience levels, from college students to entrepreneurs to multi-million dollar enterprises.

Keep it respectful

Comments that are inappropriately negative, rude, or attacking will be deleted, removed, or we will ask you to revise your thoughts. Everyone is here to learn and grow, so anything violating that will be removed.

No pitching to the group

We have a strict ‘no shopping for customers’ policy in our groups. This includes pointing people to blog posts with your offers/affiliate offers and publicly asking members to join your own Facebook groups or communities. Be cautious of unsolicited private messages to group members. If we get multiple complaints that you or someone else is using private messages to make unsolicited pitches to members, you may be asked to leave. You should view the group as your peers, not your leads.

No gated content

Content posted in the groups cannot be used to harvest leads in any way. If you need feedback or a review, post the direct PDF, document, or screenshot. Don’t require people to opt-in to view.

Respect confidentiality

Content gathered in our Coping With Loss Community groups cannot be collected, repackaged, and/or shared outside the group. Every member of our communities has a right to privacy and the right to feel safe that their questions, answers, and experiences remain privy to group members only.

Keep it on topic

We reserve the right to remove posts based on off-topic content or offensive content.

Partnering with other members

Access to this group does not mean that Coping With Loss endorses anyone’s products or services. Please be cautious and do your due diligence when partnering with anyone in the group – don’t assume everyone is trustworthy.

Report posts that are breaking group policies

Due to a large number of people in our groups and communities, it’s sometimes difficult for us to catch everything. If you see a post that is questionable, please report it, tag our community manager in the comments, or reach out to our community manager directly via private message so our team can review them.

Breaking the rules

If you are deemed to be breaking the rules of the group, Coping With Loss reserves the right to remove you from the Facebook group that the offending behaviour has occurred with.