1. ACCEPTANCE OF TERMS
Quantum Co-Creation Pty Ltd (ABN 22 162 325 484), trading as Catherine Plano (Catherine Plano, we, us, our) provides coaching, coaching programs, and mentoring programs (Services) through the website www.catherineplano.com.au (Website) and associated learning management systems, subject to these Terms of Service (Terms).
By enrolling in any program, purchasing any Service, or accessing the Website, you (you, your, Client) agree to be bound by these Terms. If you do not agree to these Terms, you must not use the Services.
These Terms apply exclusively to Services offered through www.catherineplano.com.au. Quantum Co-Creation Pty Ltd also operates other brands and websites, including Rise & Thrive Global (www.riseandthriveglobal.com). Each brand and website is governed by its own separate terms and policies. The terms and policies of one brand or website do not apply to Services offered through another.
We may update these Terms from time to time. The current version will always be available on our Website. Continued use of the Services after any update constitutes acceptance of the revised Terms.
2. DESCRIPTION OF SERVICES
Catherine Plano provides coaching, coaching programs, and mentoring programs designed to support personal and professional development. The specific inclusions, duration, format (live, online, or hybrid), and delivery schedule for each program are described on the relevant program page on the Website at the time of enrolment.
Unless explicitly stated otherwise, any new features, modules, or resources that supplement or enhance a current program shall be subject to these Terms.
The Services are provided for general personal and professional development purposes. They do not constitute psychological, medical, financial, or legal advice. You are responsible for any decisions you make as a result of participating in the Services.
3. ENROLMENT AND PAYMENT
By completing the enrolment process and submitting payment, you are entering into a binding agreement for the provision of the Services described on the relevant program page.
All prices are quoted in Australian Dollars (AUD) and are inclusive of GST where applicable. Payment must be made in full at the time of enrolment, or in accordance with an instalment arrangement where one is offered.
Where an instalment arrangement is offered, you agree to pay all instalments by the due dates specified. Failure to make a scheduled payment may result in suspension or termination of your access to the program.
You acknowledge that enrolment in a program constitutes a commitment to the full program fee, regardless of whether payment is made in a single amount or by instalments.
4. PROGRAM ACCESS AND DELIVERY
Upon receipt of payment (or the first instalment where applicable), you will be granted access to the program materials through our learning management system. Access will be provided within a reasonable timeframe following payment.
Program materials may include, but are not limited to, video content, workbooks, worksheets, live group sessions, community access, and direct mentoring or coaching sessions as described on the relevant program page.
You are responsible for obtaining and maintaining the equipment and internet access necessary to participate in the Services. We are not responsible for any technical difficulties experienced on your end.
5. REFUND AND CANCELLATION POLICY
This clause sets out our complete refund and cancellation policy for all Services offered through www.catherineplano.com.au. No other refund or cancellation policy applies to these Services.
5.1 No Change-of-Mind Refunds
Refunds are not provided where you have had a change of mind, a change in financial circumstances, a decision to pursue alternative programs or services, or any other reason unrelated to a failure in the delivery of the Services. This is consistent with the Australian Consumer Law.
5.2 Services Delivered
Refunds are not provided for Services that have been delivered, including where you have been granted access to program materials, online content, or community resources, whether or not you have accessed them.
5.3 Cooling-Off Period
If you notify us in writing within seven (7) days of your enrolment date that you wish to withdraw, and you have not accessed any program materials or attended any live sessions during that period, we will provide a full refund less an administration fee of $350 AUD.
5.4 Cancellation After Access
If you wish to cancel your enrolment after accessing program materials or attending any live session, no refund will be provided. Any outstanding instalment payments remain due and payable.
5.5 Your Rights Under Australian Consumer Law
Nothing in these Terms is intended to exclude, restrict, or modify your rights under the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010 (Cth)) where those rights cannot be excluded, restricted, or modified by agreement. If the Services are not provided with due care and skill, are not fit for a particular purpose, or are not provided within a reasonable time, you may be entitled to a remedy under the Australian Consumer Law.
5.6 How to Request a Refund
All refund requests must be made in writing to support@catherineplano.com.au. We will respond to refund requests within ten (10) business days.
6. YOUR OBLIGATIONS
In consideration of your use of the Services, you agree to:
- provide true, accurate, current, and complete information during the enrolment process;
- maintain the confidentiality of your account credentials and be responsible for all activity under your account;
- participate respectfully in any group sessions, communities, or communications associated with the program;
- not share, distribute, reproduce, or make available any program materials to any third party;
- comply with all applicable laws in connection with your use of the Services.
7. CONDUCT
You agree not to use the Services to:
- upload, post, or transmit any content that is unlawful, harmful, threatening, abusive, defamatory, vulgar, or otherwise objectionable;
- impersonate any person or entity, or misrepresent your affiliation with any person or entity;
- upload or transmit any material that contains viruses or any other code designed to disrupt or damage software or hardware;
- collect or store personal data about other participants;
- engage in any conduct that disrupts or interferes with other participants’ experience of the Services.
We reserve the right to remove any participant from a program whose conduct breaches these Terms, without refund.
8. INTELLECTUAL PROPERTY
All content, materials, methodologies, frameworks, videos, workbooks, and other resources provided as part of the Services (Program Materials) are the intellectual property of Catherine Plano or its licensors and are protected by the Copyright Act 1968 (Cth) and other applicable laws.
You are granted a limited, non-exclusive, non-transferable licence to access and use the Program Materials solely for your personal and professional development during your enrolment. You must not:
- reproduce, distribute, or publicly display any Program Materials;
- create derivative works based on the Program Materials;
- sell, resell, licence, or commercially exploit the Program Materials;
- share access credentials or Program Materials with any third party.
This licence terminates upon the conclusion of your enrolment, upon cancellation, or upon termination of your access under these Terms.
9. PRIVACY
Your personal information is collected, used, and stored in accordance with our Privacy Policy, available at https://www.catherineplano.com.au/privacy-policy/. By using the Services, you consent to the collection and use of your information as described in the Privacy Policy.
We will handle your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles.
10. CONFIDENTIALITY
You acknowledge that information shared by other participants during group sessions, community discussions, or any other aspect of the Services is confidential. You must not disclose, share, or use any personal information about other participants outside of the program context.
We will treat your personal information and any information you share during the Services as confidential, except where disclosure is required by law or is necessary for the administration of the Services.
11. LIMITATION OF LIABILITY
To the maximum extent permitted by law, Catherine Plano’s total liability to you for any claim arising out of or in connection with the Services is limited to the total fees you have paid for the specific program to which the claim relates.
To the maximum extent permitted by law, Catherine Plano is not liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of data, loss of business opportunity, or personal injury, arising out of or in connection with your use of the Services.
Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law, including liability under the Australian Consumer Law.
12. EARNINGS AND RESULTS DISCLAIMER
Your level of success in achieving results from the Services depends on factors including but not limited to the time you devote to the program, your existing knowledge and skills, your financial circumstances, your work ethic, and other personal factors.
We make no guarantees that you will achieve any particular outcome, result, or level of income as a result of participating in the Services. Any case studies, testimonials, or examples shared on the Website or during the Services represent individual experiences and should not be taken as a guarantee or promise of any particular result.
13. TERMINATION
We may, in our sole discretion, suspend or terminate your access to the Services for any of the following reasons:
- breach or violation of these Terms;
- conduct that disrupts or negatively affects other participants;
- non-payment of any fees owed;
- engagement in fraudulent or illegal activity;
- a request by you to cancel your enrolment, subject to the refund and cancellation policy in clause 5.
Termination of your access includes removal of access to all program materials, community resources, and associated content. Termination does not relieve you of the obligation to pay any outstanding fees.
14. DISPUTE RESOLUTION
If you have a complaint or dispute regarding the Services, you should first contact us in writing at support@catherineplano.com.au. We will endeavour to resolve any complaint within fourteen (14) business days.
If we are unable to resolve the dispute directly, either party may refer the matter to mediation administered by the Resolution Institute (or another agreed mediation provider) before commencing any legal proceedings. The costs of mediation will be shared equally.
Nothing in this clause limits your right to seek remedies under the Australian Consumer Law or to lodge a complaint with a relevant consumer protection body.
15. INDEMNITY
You agree to indemnify and hold harmless Catherine Plano and its officers, employees, contractors, and agents from and against any claim, demand, loss, damage, cost, or expense (including reasonable legal fees) arising out of or in connection with your breach of these Terms, your use of the Services, or your violation of any rights of another person.
16. THIRD-PARTY LINKS AND CONTENT
The Services or the Website may contain links to third-party websites or resources. We do not endorse and are not responsible for the content, products, or services available from such third-party sources. You access third-party content at your own risk.
17. GOVERNING LAW
These Terms are governed by and construed in accordance with the laws of New South Wales, Australia. You submit to the non-exclusive jurisdiction of the courts of New South Wales and any courts that may hear appeals from those courts.
18. SEVERABILITY
If any provision of these Terms is found to be invalid, unenforceable, or illegal by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving the parties’ original intent.
19. ENTIRE AGREEMENT
These Terms, together with any program-specific terms presented at the time of enrolment, constitute the entire agreement between you and Catherine Plano in relation to the Services and supersede all prior agreements, representations, and understandings.
20. CONTACT
If you have any questions about these Terms, please contact us at:
Quantum Co-Creation Pty Ltd, trading as Catherine Plano
Email: support@catherineplano.com.au
Website: www.catherineplano.com.au