1. Participation in On-line Programs offered by McCoy Fitness.
Participation in all programs offered by McCoy Fitness & Health is at the discretion of the participant. McCoy Fitness is not responsible for injury to participant, as the participant recognizes that by signing up for an online program, in which Karen is not there in person to run and oversee each individual, it is then the individual’s responsibility to work within, and recognize, their own personal physical limitations and differences. It is highly recommended that participants receive full clearance from their doctors to participate in training of any sort, and on-line training as well. Participants will be working within various gyms across the countries, and with varying equipment. While McCoy Fitness do their best to answer all questions and concerns regarding these variances, ultimately, it is up to the participant to work around the particulars and limitations within their own gym setting. McCoy Fitness & Health is not responsible for any injuries incurred while participants are on the program(s).
2. Refund policy / Payment Plans
There are no refunds offered once the online program begins. All fees, whether a payment plan or paid in full, will ot be refunded once the client begins the Program. Enrollment and participation in the program is at the discretion of McCoy Fitness, and if any client is found operating outside expectations, or harasses or intimidates any members, coaches or clients (in both private, email and public forums, sites, etc), they will immediately be terminated (again, no refund is granted once a client begins, or is terminated at the discretion of the coach(es). If a payment plan is offered and is in place, that payment plan must still be paid in full until completed, to fulfill the agreed upon program fee, even if the client pulled out of the program or was dismissed due to abusive behaviour.
3. Intellectual Property.
All videos, downloadable resources, pdf’s, recordings (and links), audios, etc are the sole property of McCoy Fitness and cannot be shared, uploaded or given to other individuals at any time. Any such action will see immediate termination from the program, and legal action will be undertaken.
4. Accessing information / lessons after leaving a program.
If clients failed to access or use the program and its information and lessons, no refund will be given. It is up to the client to ensure they access all weekly lessons, coaching calls and other uploads within the program’s timelines as described. If they request information / documents etc after they have left the program, McCoy Fitness uses discretion to determine if this is acceptable or not, but is not indebted to do so. All resources are available to the client when they are in a program, but cease when they leave a program. Any download-ables within the program are theirs to keep, but downloading videos is not allowed. this remains the Intellectual Property of McCoy Fitness
5. Cancelling out of a Payment Plan or Monthly Plan
It a client is in a monthly program (Alumni or other such monthly paid programs), they cannot request that they be terminated at a specific later date. This is up to the client to manage their own calendar and Pay Pal / Stripe payments and cancel out accordingly. If a client wishes to cancel, it will be cancelled within 24-48 hours, and will include cancellation of all web sites, passwords, Facebook pages and other resources. The client is urged to cancel her own membership, as it will be immediate, but if she asks that we do so, we will do as fast as possible. No refund can be issued after a profile is cancelled. (Please see more, below, in #6).
6. $1 TRIAL Offers, FREE MONTH Offers, or other Discounted Offers
With any marketed discounts or specials to any of Karen’s on-line programs, the policies around the promotion will be as such: for example, if a $1 TRIAL offer is offered to clients, for, say, a Month / 30-day period (or however long the campaign is), the client will be charged that nominal feel (in this case $1), as laid out in the campaign, and after the TRIAL period is over, the user’s credit card will be charged the regular fee for the program they have signed up for in the TRIAL offer. If the client enters a FREE MONTH trial of the program, they will be asked to pay the usual monthly fee, and will be fully refunded asap on that month, and, as in the previous example, the user’s credit card will be charged the regular monthly fee for the program. In either scenario, it is up to the client to cancel out of the Program they have signed up for, through Pay Pal (if they need help, they can contact staff, and we can help them with this, but it will be on our schedule). Once they cancel, they will be terminated from all program points of access, and all emails, usually within 24 hours. McCoy Fitness will not be asked to schedule in cancellation at a later time, as determined by the client, rather, they will be immediately removed at the time of cancellation.
As with all of McCoy Fitness’ other online participation parameters, the same rules will apply for the client, as the client’s responsibilities will remain the same in all areas of participation, refunds and cancellations, as outlined in the Terms and Conditions Policy.
7. Refund Policy on Downloadable Programs and Products
All downloadable products (videos, audios, training programs etc) are paid in full up front, and there is no refund after purchase. The BLISS program and other such purchased programs and products that are downloadable for a certain amount of time, are not available after such time as indicated on the sales copy. It is up to the purchaser to ensure they download all products within the prescribed time, and differences in browsers, access etc. is the responsibility of the purchaser.
8. Credit Card Policy
All clients of any online programs with McCoy Fitness & Health must sign up with a valid credit card, or use a monthly debit withdrawal through Pay Pal / Stripe, to access and secure the program(s). It is up to the client to ensure their credit card is up to date. Should their credit card need attention, it is not McCoy Fitness & Health’s responsibility to do so, nor is it their responsibility to ensure clients’ credit cards are up to date. If the client gets cancelled out, and wishes to return to the same program, they will purchase the program at the set price of that program at the time of the new purchase.
9. Additional bank / credit card fees
McCoy Fitness & Health is not responsible for any extra fees that are added onto a client’s investment fee from outside sources such as banks, credit card companies or other external companies that the client has in her domain. McCoy Fitness only charges for the program (and appropriate taxes) and will not cover any additional fees the client may be required to pay outside of the program fees.
10. Privacy and Ownership of Material
All videos and written material is the property of McCoy Fitness & Health and may not be distributed or used without written consent. All videos, downloads and purchased programs are the sole ownership of McCoy Fitness & Health and cannot be distributed without permission from Karen McCoy.
Starting any McCoy Fitness Program – online or in person – shows the client has agreed to these Terms and Conditions.
For More Information
If you have any questions about our Terms and Conditions, please email Karen at karen@mccoyfitness.ca
