Coaching Agreement - Terms & Conditions

By enrolling in any of the Mint Worthy Coaching Programs you irrevocably agree that Vanessa Bowen (“Coach”) through Mint Worthy (the “Company” or “we/I/us”) accepts you as a participant of the Coaching Program (the “Program”) and that this Coaching Agreement (the “Agreement”) automatically becomes a binding contract between you (the “Client”) and the Company, and applies to your participation in the Program.


The Coach will render services to the Client under the Coaching Program. The Program will be provided by a combination of online sessions or as downloadable products and video material. The Coach and Client agree that the following services will be rendered:

a. Weekly live Q&A group coaching calls over Zoom video conferencing during the program

Live group coaching calls are not mandatory but are vital to the Client’s success in the program. If live group coaching calls are missed or not attended there will be no make-up session provided and no refunds or exchanges permitted.

b. Access to the program course site including all workbooks, spreadsheets and video material.

c. Private one-on-one coaching sessions (only applicable to any coaching program that includes one-on-one coaching sessions)

Private one-on-one coaching sessions over Zoom video conferencing or in person if agreed upon in writing prior to the meeting. Sessions must be booked and completed during the designated weeks outlined in the program course site, unless written consent is provided. If sessions are not scheduled, missed or not attended, the session will be forfeit. No make-up sessions will be provided and no refunds or exchanges permitted. The client is permitted to change a scheduled session as long as it is rescheduled within the designated weeks. A minimum of 24 hours notice is required for a change in scheduled meeting times. If the Coach is not notified within 24 hours of a canceled appointment, then the client will waive that appointment.

The services cited in this section represent a complete list of the Coach’s contractual obligations.

The Coach may elect to provide additional services when deemed necessary. Should this occur, the Client will not be billed for additional services. However, the performance of additional services in one period does not obligate the Coach to provide such additional services in future periods.


By enrolling in any Mint Worthy coaching program, you authorize the Company to charge your credit card as indicated, as payment for your membership in the Program. Furthermore, you agree that as a member of the Program, you are responsible for full payment of fees, regardless of whether you actually attend or complete the Program. If a payment plan is selected you are responsible for the full payment of fees for the entire payment plan duration, regardless of whether you actually attend or complete the Program. You understand that all coaching fees are non-refundable.

Late payment charges will apply at a rate of 15% per annum, after 5 days late. All payments must be made on time in order to receive the next session and information. Should a suspension or cancellation of payment occur, the complete payment will be necessary to resume services – a prorated amount will not be provided.


The Coach uniformly agrees to respect and maintain the highest level of confidentiality. Client information will never be shared or sold.


The Coach and Client will have an open working relationship. Financial coaching is not a replacement for financial advisory and planning services; rather it enables the client to work with financial advisers, planners and brokers more effectively. The information provided during the coaching session or Program is not intended to be a substitute for legal or financial advice that can be provided by your own attorney, accountant, and/or financial advisor. You are advised to consult with your tax consultant, accountant or lawyer for any and all questions and concerns you have, may have, or hereafter have regarding your personal financial situation and income taxes. The Client expressly agrees that he/she is participating in coaching as a purely voluntary activity and that he/she assumes all investment and financial risks potential in this activity.


You agree that the Company may, at its sole discretion, terminate this Agreement, and limit, suspend, or terminate your participation in the Program without refund or forgiveness of monthly payments if you become disruptive or difficult to work with, if you fail to follow any part of this Agreement, or if you impair the participation of the Program Coach. We respect your privacy as a participant in this Program. We respect your confidential and proprietary information and must insist that you respect the same rights of the Company.


Either party shall be excused from any delay or failure in performance required here under if caused by reason of any occurrence or contingency beyond its reasonable control, including, but not limited to, acts of God, acts of war, fire, laws, proclamations, edits, ordinances or regulations, riots, earthquakes, floods, explosions or other acts of nature. The obligations and rights of the party so excused shall be extended on a day-to-day basis for the time period equal to the period of such excusable interruption. When such events have abated, the parties’ respective obligations hereunder shall resume. In the event the interruption of the excused party’s obligations continues for a period in excess of thirty (30) days, either party shall have the right to terminate this Agreement upon ten (10) days’ prior written notice to the other party.


The material displayed on our site or within any Mint Worthy coaching program is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we hereby expressly exclude:

  • All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity.
  • Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our site or in connection with the use, inability to use, or results of the use of our site, any websites linked to it and any materials posted on it (whether by us or a third party), including, without limitation any liability for:
    • loss of income or revenue;
    • loss of business;
    • loss of profits or contracts;
    • loss of anticipated savings;
    • loss of data;
    • loss of goodwill;
    • wasted management or office time; and for any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable.

As a client, I understand and agree that I am fully responsible for my physical, mental and emotional well-being during my coaching calls, including my choices and decisions.

I understand that “coaching” is a Professional-Client relationship I have with my coach that is designed to facilitate the creation/development of personal, professional or business goals and to develop and carry out a strategy/plan for achieving those goals.

I understand that coaching is a comprehensive process that may involve all areas of my life, including work, finances, health, relationships, education and recreation. I acknowledge that deciding how to handle these issues, incorporate coaching into those areas, and implement my choices is exclusively my responsibility.

I understand that coaching is not a substitute for counselling, psychotherapy, psychoanalysis, mental health care or sub- stance abuse treatment and I will not use it in place of any form of diagnosis, treatment or therapy.

I have been made aware that if I am currently in therapy or otherwise under the care of a mental health professional, that it is in my best interests to discuss with the mental health care provider that I have obtained the help of a coach in order to allow them to provide the best service they can by making them aware of the current help I am receiving to achieve my personal goals.

There is no guarantee that you will get any results or earn any money using any of Mint Worthy’s ideas, tools, strategies or recommendations. Your level of success in attaining similar results is dependent upon a number of factors including your skill, knowledge, ability, dedication, and commitment, to name a few. Because these factors differ according to individuals, neither Mint Worthy nor Vanessa Smith can guarantee your success in the Program.

You alone are responsible for your actions and results. It should be clear to you that by law we make no guarantees that you will achieve any results from the ideas or models presented on the website or provided in this Program.


By enrolling in any of the Mint Worthy programs you agree (1) not to infringe any Company’s copyright, patent, trademark, trade secret or other intellectual property rights, (2) that any Confidential Information shared by any representative of the Company is confidential and proprietary, and belongs solely and exclusively to the participant who discloses it or the Company, (3) you agree not to disclose such information to any other person or use it in any manner other than in discussion during your program.

You further agree that (4) all materials, spreadsheets, workbooks and information provided to you by the Company are its confidential and proprietary intellectual property, belong solely and exclusively to the Company and may only be used by you as authorized by the Company, and (5) any reproduction, distribution and sale of these materials by anyone but the Company is strictly prohibited.

The client's enrollment within the program represents complete agreement to all terms here within.

Terms of Use

1. Terms

By accessing this School, you are agreeing to be bound by these Terms of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this School are protected by applicable copyright and trademark law.

2. Use License

  1. Permission is granted to temporarily download one copy of any downloadable materials on the School’s website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:
      1. modify or copy the materials;
      2. use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
      3. attempt to decompile or reverse engineer any software contained on the School’s web site;
      4. remove any copyright or other proprietary notations from the materials; or
      5. transfer the materials to another person or 'mirror' the materials on any other server.
  2. This license shall automatically terminate if you violate any of these restrictions and may be terminated by Company at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.

3. Disclaimer

The materials on the School’s website are provided 'as is'. The School makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, the School does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its website or otherwise relating to such materials or on any sites linked to this site.

4. Limitations

In no event shall the School be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on the School’s website, even if the School or an authorized of the School has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

5. Revisions and Errata

The materials appearing on the School’s website may include technical, typographical, or photographic errors. The School does not warrant that any of the materials on its web site are accurate, complete, or current. The School may make changes to the materials contained on its web site at any time without notice. The School does not, however, make any commitment to update the materials.

6. Links

The School has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by the School of the site. Use of any such linked website is at the user's own risk.

7. Site Terms of Use Modifications

The School may revise these Terms of Use for its website at any time without notice. By using this website you are agreeing to be bound by the then current version of these Terms of Use.

8. Governing Law

Any claim relating to the School’s website shall be governed by the laws of the School Owner’s home jurisdiction without regard to its conflict of law provisions.