LEGAL INFORMATION
Membership Agreement
This Agreement (the “Agreement”) and all attachments and exhibits and schedules sets forth the terms and conditions of your Membership in Inner Glow Circle.
Scope of Agreement
This Agreement sets forth the terms and conditions of Member’s use of the sites and all Fee-Based Products owned or operated by Inner Glow Circle, LLC (“Inner Glow Circle” or “IGC”), including, without limitation, membership sites, Facebook groups, coaching and training services and related materials, including, but not limited to business development trainings, workbooks, proprietary tools, events, videos and workbooks, video coaching, phone coaching, in-person events, webinar and video trainings, all IGC intellectual property or other websites developed in the future (collectively “IGC”).
Unless otherwise specified, IGC grants Member a non-transferable, limited right to access, use and display the Fee-Based Products Member subscribed to, for Member’s use, provided Member comply fully with the provisions of this Agreement. The Member agrees not to assign, transfer or sublicense Member’s rights as a registered user of or subscriber to IGC and IGC’s Fee-Based Products. Member understands that only Member may use Member’s account and that Member’s subscription to IGC’s Fee-Based Products is only valid for Member’s use.
All intellectual property, including copyrighted materials, shall remain the sole property of the Member and no license to sell or distribute or materials is granted or implied. Member agrees not to reproduce, duplicate, copy, sell, trade, resell or exploit for any commercial or personal purposes, any portion of the Fee-Based Products, including any materials.
All Members agree to commit to IGC’s ethical guidelines, including but not limited to taking personal responsibility, speaking up for one’s needs, treating IGC team members and fellow Members with respect, not participating in gossip and doing no harm.
Non-Disparagement
In the event of a dispute between IGC and the Member, the Member and IGC each agree to not engage in any conduct or communications, public or private, designed to disparage the Fee-Based Products, IGC, owners, trainers, student trainers, subcontractors, employees or clients (Members).
Payment Terms for All Programs
All general payment terms are listed below HERE.
All course-specific payment terms are listed below HERE.
Personal Responsibility and Assumption of Risk
Members agree that they are using their own judgment in using IGC Programs, Products and Services and they agree that they are doing so at their own risk. IGC’s Programs, Products and Services are for informational and educational purposes only. Members agree and understand that they assume all risks and no results are guaranteed in any way related to IGC’s Programs, Products and Services, which are merely to provide Members with education and tools to help them make their own decisions for themselves. Members are solely responsible for their actions, decisions and results based on the use, misuse or non-use of IGC’s Programs, Products and Services.
Coach Training (ACC Path)
Member agrees to a 6-month Membership to the Coach Training program, including free lifetime access to THE CIRCLE.
Graduation and Certification
To graduate from Coach Training, the Member must:
Attend 80% of all live training calls (attendance is tracked by trainer on a weekly basis). Per ICF standards, live attendance is of most value and IGC reserves the right to deny certification should Coach be absent for more than 20% of the calls. Member can attend another collective’s live weekly call if necessary, but must let the trainer know in the Facebook group! If Member should miss, please watch the recorded session and share thoughts, questions and comments in the Facebook group so trainer knows Member is engaged with the material.
Submit Coach Training semester 1 and 2 Lesson Assessments. Lesson Assessments will be delivered through the members portal weekly in the form of a quiz directly in each lesson. Member can submit each exercise the week it’s due or turn in all exercises at once during week 12 for Semester 1 and the remaining exercises within 14 days of week 24 for Semester 2.
Complete Partner Coaching Calls. Invite trainer to a minimum of 1 live partner coaching call per semester (2 total). See “Partner Coaching Policy” below. Submit 6 Semester One Recorded Partner Coaching Calls. Member must submit call log to their trainer by week 12. Please include links to the recordings. Submission of 6 Semester Two Recorded Partner Coaching Calls. Member must submit call log to their trainer within 14 days of week 24. Please include links to the recordings.
A minimum of 1 live partner coaching evaluation by the trainer per semester (2 total). You must sign up for one live evaluation with your trainer during the scheduled live evaluation weeks. This is the time for your trainer to attend a live partner coaching call with you and your partner (the call in which you are the coach, not client!) one time in each semester. This call will be evaluated live using the IGC Student Coaching Call Rubric. Please note that the grade received on Semester 1 calls are for learning purposes only. This grade is designed to inform which areas to improve before submitting your second recorded calls in Semester 2.
Submission of 1 Peer Reviewed Recorded Observation rubric per semester (2 total). Students will listen to a classmate’s recorded partner coaching call and fill out the Semester One Peer Review Rubric in their google folder by the end of week 12 for semester one, and listen to a different call in semester two, completing the Semester Two Peer Review Rubric within 14 days of Lesson 24 in semester two. You will be paired up with another student for these peer reviewed calls each semester by your trainer. The semester one peer reviewed evaluation is for learning purposes only. The semester two peer reviewed evaluation will count toward the grade of the student coach whose call is being evaluated by a peer. THE SEMESTER TWO PEER REVIEW RUBRIC IS DUE BY WEEK 18 OF COACH TRAINING.
All submissions must be handed in a timely manner in order to ensure proper evaluation. Member has up to 14-days after last live training call to complete all partner coaching hours and submit exercises and other materials. Per ICF standards, certification will be delivered upon completion of all work above and full payment of the program.
Again, graduation and certification are available pending completion of all requirements and all payments.
Any evidence of plagiarism, cheating or otherwise behaving in an unethical manner could result in non-certification of a student and/or removal from Coach Training.
Partner Coaching Policy
Member is required to attend 12 hours as coach and 12 hours as client with a fellow member to be certified. All calls must be recorded and submitted in the student’s Partner Coaching Log. Each student is responsible for submitting the calls in which they are acting as the Coach. One live observation coaching call is required per semester. The Member acting as coach is responsible for inviting the trainer to attend live and providing a minimum of 24 hours notice if there is a change in scheduling. A no show (which includes not showing up, giving less than 24 hours notice to reschedule or being more than 10 minutes late to the call) as the coach or client for a live observed session can only be rescheduled at the discretion of the trainer. Rescheduling is not guaranteed. Failure to fulfill the live observation requirement will result in NON-CERTIFICATION.
Mentor Coaching Policy
To apply for an ICF credential upon completion of training, Member must fulfill 62 hours of coach training and an additional 10 mentor coaching hours. Coach Training Students have the option to add up to 10 mentor coaching hours with an IGC Mentor Coach before, during or after their time in Coach Training. These mentor coaching hours can be purchased individually or in packages for a discounted rate. All mentoring sessions count towards ICF Mentor Coaching Hours and can be a mix of training, coaching, mentoring or practice coaching.
Any mentor coaching hours purchased will be in addition to their Coach Training tuition. Individual sessions must be used within 60 days of purchase. Packages of 5 sessions must be completed within 5 months of purchase. Packages of 10 sessions must be completed within 10 months of purchase and will also include a bonus of having one call reviewed by the Mentor for the ICF application.
Please refer to the “IGC 1:1 Coaching Packages” section for more information about 1:1 coaching with IGC.
Leaders Rising (PCC Path)
Member agrees to a 12-month Membership to Leader’s Rising. Member agrees to be a THE CIRCLE Member, as a free lifetime THE CIRCLE membership is included in Leader’s Rising. Leader is responsible for the full 12-months of tuition and IGC offers no refunds on the Leaders Rising program outside of the 14-Day Satisfaction Guarantee policy, which offers up to 125 ACSTH Hours. Graduation and certification are available pending completion of all requirements and all payments. The program includes:
– Monthly Journal Prompts (25 hours)
– Monthly 90 Minute Mindset Trainings (18 hours)
– Monthly 1:1 Leader-led Coaching Calls (12 hours), with feedback on 5 per ICF standards
– 12 Small Group Coaching Sessions (90 Min) (18 hours)
– 2 Hour CKA Assessment Intensive (2 hours)
– 2 In-Person Weekend Retreats (48 hours)
– A variety of additional business and leadership trainings
– Grading and Support with ICF PCC Submission
– $500 Affiliate Commissions for referrals to IGC Coach Training, based on first touch and with first purchase only.
Digital Products
When any digital product is purchased, the Member will not copy, duplicate or steal its content. Doing anything with IGC’s digital program content that is contrary to these T&C and the limited license we are providing herein is considered theft, and IGC reserves the right to prosecute theft to the full extent of the law.
Those purchasing digital programs are permitted from time to time to download and/or print one copy of individual pages of any corresponding workbook content for personal, non-commercial use, provided that all copyright, trademark and other proprietary notices are kept intact and the content is not shared with others.
Members may not in any way at any time use, copy, adapt, imply or represent that IGC‘s digital content is created by anyone other than, or belongs to anyone other than IGC. By downloading, printing, or otherwise using IGC‘s digital content for personal use in no way assumes any ownership rights of the content – it is still property of IGC.
IGC is granting Members a limited license to enjoy the content for personal use, not for business/commercial use or in any way that earns the Member money, unless IGC gives written permission to do so.
As a Member of an IGC digital product, it is agreed that its content is being used at their own judgment and agreed that participation is at their own risk. Members agree and understand that they assume all risks and no results are guaranteed in any way related to digital program content. IGC digital programs are merely to provide an education and tools to help Members make decisions for themselves. Members are solely responsible for their actions, decisions and results based on the use, misuse or non-use of IGC‘s digital programs or any of its content.
IGC 1:1 COACHING PACKAGES
IGC Clients may hire IGC Team Coaches as their personal 1:1 coach, if purchased through IGC. Any IGC client hiring an IGC Team Coach for 1:1 coaching who they initially connected with in the IGC community, must be processed through IGC not the Coach. All IGC 1:1 Coaching packages include the following terms:
IGC 1:1 Coaching packages can be customized based on the client’s needs. Any changes or personalization to a package must be agreed upon in writing over email by both Coach and Client. The details of a client’s coaching package will be reflected on the checkout page. Completion of the checkout process indicates that the Client has reviewed the pricing and duration of the coaching package and agree to the terms presented.
The cost of 1:1 coaching packages with a member of the IGC Team is based on the Coach’s credentialing and level of experience. Each Coach’s payment will be reflected on the checkout page when purchasing a coaching package. Any questions about payment can be emailed to the IGC Coach directly. Coaching packages may be paid in full or with a monthly subscription.
It is the Client’s responsibility to schedule all coaching sessions throughout the 1:1 coaching package. An IGC Team Coach will remain on the line for 10 minutes after your scheduled call time, after which, if the client is not in attendance, it will be assumed the client is a no-show for that call.
There are no refunds for IGC 1:1 Coaching Packages. Purchasing a 1:1 Coaching Package with an IGC Team Coach indicates the Client’s intention to complete the initial package including all 1:1 coaching sessions. The IGC Team Coach will be committed to finishing out the package with the Client as well. A Client’s desire to end coaching prior to the completion of the 1:1 coaching package does not dissolve the client’s responsibility to the terms described here.
For non-mentoring coaching packages, all clients have 30 days after the length of the coaching package to complete all coaching sessions in the package. Meaning, if a Client purchases a 3 month package, they have 4 months to complete all sessions in the package or forfeit all unused sessions. If a Client is paying through a monthly subscription, payments will be deducted automatically, once a month starting at the time of purchase, for the duration of the coaching package, regardless of the dates individual coaching sessions are booked.
For Mentor Coaching sessions, individual sessions must be used within 60 days of purchase, packages of 5 sessions must be completed within 5 months of purchase, and packages of 10 sessions must be completed within 10 months of purchase. For more information about Mentor Coaching, refer to the Mentor Coaching policy above.
Advance notice of cancellation for 1:1 sessions is required to reschedule. A session that is not canceled with a minimum of 24 hours notice may not be rescheduled. In the event of vacations and holidays, your coach may reschedule coaching sessions with you and will give you a minimum of 3 business days notice.
Your coaching is kept in the strictest professional confidentiality. An IGC Team Coach will only have to suspend this confidentiality agreement in the following cases:
- A Client reports imminent suicidal or homicidal ideation.
- A Client reports abuse or neglect of a child, dependent or older adult.
- An IGC Team Coach is ordered by a court of law to do so.
- A Client reports anything that causes the Coach concern for the health and safety of the Client or others.
There may be practices assigned to complete between sessions. IGC recommends that Clients complete all practices committed to. Clients cannot expect the same results from coaching when action items are not completed.
Affiliate Agreement
An Affiliate (contractor of Inner Glow Circle, LLC) will receive compensation for a lead when the Affiliate represents the original lead source, the Student first heard about IGC through the Affiliate and the Affiliate has participated in the registration of the Student.
Affiliates are provided with a unique tracking URL to the IGC website. In every case, there must be digital tracking through Affiliate’s unique URL or a written introduction between the Student, the Affiliate and IGC as documentation of the connection. A prior Member of IGC or previous client of Katie DePaola or Olivia Chapman cannot be tied to any Affiliate in any case.
Affiliate commissions are at the rate of 10% for live courses (other than Coach Training, see details below), and 20% for all digital courses. The Affiliate is paid out only when they are the first touch with the Member and only on the Member’s 1st purchase.
For Coach Training commissions, when a Member is 90 days into training, paid in full and up to date on all accounts, commissions can be paid. For example, if training starts in April, July 5 will be the payout date for spring training. If fall training starts in October, January 5 will be the payout date for fall training. Affiliates should allow 48 hours for processing, depending on the Affiliate’s individual bank. Commissions of $500 per Student are paid in a single lump sum through direct deposit to the Affiliate’s bank account or transfer to the Affiliate’s Paypal account, per the Affiliate’s original selection at https://innerglowcircle.com/ambassador/.
In the case that the Affiliate has a past due balance owed to IGC, the company will retain commissions to apply to the Affiliate’s past due balance. In this case, an updated statement of monies owed will be provided to the Affiliate.
Affiliates who are also IGC Trainers or Student Trainers have their own commission structure and are paid on the 5th of the following month after payment has been made to IGC.
With any Affiliate, once a Member has reached 30 days of non-payment, there is no Affiliate payout as the account has reached collections status.
Affiliates are not paid for any IGC scholarship winner.
Miscellaneous Terms
In any action against IGC arising from involvement with the company (including, without limitation, the use of Fee-Based Products), the prevailing party shall be entitled to recover all legal expenses incurred in connection with the action, including but not limited to its costs and reasonable attorney’s fees, expert’s fees and court costs. If any provision of these terms shall be unlawful, void or for any reason unenforceable, then that provision shall be deemed severable from these terms and shall not affect the validity and enforceability of any remaining provisions. This Agreement, together with the exhibits and schedules constitute the entire agreement between Member and IGC. In the event of any conflict between this Agreement and the Order Form, this Agreement shall control. This Agreement may be modified only by IGC’s posting of changes to this Agreement in THE CIRCLE or by written agreement of both parties. We may assign IGC’s rights and obligations under this Agreement. This Agreement will inure to the benefit of IGC’s successors, assigns and licensees. The failure of either party to insist upon or enforce the strict performance of the other party with respect to any provision of this Agreement or to exercise any right under this Agreement, will not be construed as a waiver or relinquishment to any extent of such party’s right to assert or rely upon any such provision or right in that or any other instance; rather, the same will be and remain in full force and effect.
By clicking “I’ve read and accept the Terms and Conditions,” Member agrees to be legally bound and abide by this Agreement. If Member does not comply or breaches any of the terms and conditions, IGC will cancel this Agreement and terminate Member’s access to THE CIRCLE (or any part thereof) and IGC’s Fee-Based Products without prior notice. In the event of any breach, Member agrees that IGC shall not be liable to Member or any third-party for any termination or cancellation of Member’s access to or use of, IGC’s THE CIRCLE and/or IGC’s Fee-Based Products and will remain responsible for any monies owed.
This is the entire agreement of the parties and reflects a complete understanding of the parties with respect to the subject matter. This agreement supersedes all prior written and oral representations. If a dispute arises out of this agreement that cannot be resolved by mutual consent, the Member and IGC agree to attempt to mediate in good faith for up to (certain amount of time such as 30 days) after notice given.
Privacy and Security
IGC is committed to protecting Member’s privacy. Group coaching and training phone calls may be recorded for training purposes. Members will be advised of any such recording at the inception of the phone call. If Member subscribes to an IGC Fee-Based Product, Member automatically become a registered user of IGC’s products and/or programs, which provides Member with access to certain products, programs, offerings, features or resources such as the ability to post messages on one of IGC’s THE CIRCLE Areas. A “THE CIRCLE Area” means any IGC blog, personal page, group page, chat room, message board, in-person event or similar activity where Member can communicate with other users of IGC or post Member’s own Content, subject to THE CIRCLE Standards and Conduct Guidelines attached. Member Agrees Not to Use THE CIRCLE (or Any Affiliated Areas) to:
1. Upload, post, email or otherwise transmit any postings or other materials that are unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, invasive of another’s privacy, hateful or racially, ethnically or otherwise objectionable (in IGC’s sole discretion);
2. Harm minors in any way or solicit, communicate with or otherwise attempt to gain any information from a minor;
3. Impersonate any person or entity, including, but not limited to, any user of THE CIRCLE, a director, officer, employee, shareholder, agent or representative of IGC or IGC’s affiliates or any other person or entity or falsely state or otherwise misrepresent Member’s affiliation with IGC, IGC’s affiliates or any other person or entity;
4. Forge headers or otherwise manipulate identifiers in order to disguise the origin of any postings or other materials transmitted to or through THE CIRCLE;
5. Intentionally upload, post, email or otherwise transmit any postings or other materials that Member does not have a right to upload, post, email or otherwise transmit under any law or under contractual or fiduciary relationships (such as insider information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements);
6. Upload, post, email or otherwise transmit any postings or materials that infringe upon any patent, trademark, trade secret, copyright, right of privacy/publicity or proprietary rights of any party;
7. Upload, post, email or otherwise transmit any unsolicited or unauthorized advertising, promotional materials, “junk mail,” “spam,” “chain letters,” “pyramid schemes” or any other form of commercial solicitation, except in those areas, if any, that are specifically designated for such purpose;
8. Upload, post, email or otherwise transmit any postings or other materials that contain software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;
9. Disrupt the normal flow of dialogue, cause a screen to “scroll” faster than users of a THE CIRCLE area are able to type or otherwise act in a manner that negatively affects or otherwise diminishes the quality of another user’s experience of THE CIRCLE;
10. Interfere with or disrupt IGC’s website or servers or networks connected to IGC’s website or disobey any requirements, procedures, policies or regulations of networks connected to IGC’s websites;
11. Intentionally or unintentionally violate any applicable local, state, national or international law, including, but not limited to, any regulations having the force of law;
12. “Stalk” or otherwise harass another Member, employee, contractor or Affiliate or user of THE CIRCLE; or
13. Solicit, collect or post personal data or attempt to solicit, collect or post personal data about other users of THE CIRCLE, including user names or passwords; or
14. Access or attempt to access another user’s account without his or her consent.
All THE CIRCLE Area communications, including, but not limited to, chat, message board, blog, Facebook groups, are public communications, accessible to Members and employees and subcontractors of IGC. IGC reserves the right to monitor some, all or no areas of THE CIRCLE (including any affiliates areas) for adherence to the standards and conduct guidelines set forth above or for any other purpose. Member acknowledges that by providing the ability to distribute postings, IGC is acting as a passive conduit for such distribution and is not undertaking any obligation or liability relating to any postings or activities in any areas, nor does IGC endorse such postings. Although IGC reserves the right to remove, without notice, any posting for any reason, IGC has no obligation to review Content prior to the Content’s posting or to delete postings Members may find objectionable or offensive. IGC is not responsible for maintaining a copy of any material it removes from THE CIRCLE and is not liable for any loss Member incurs in the event that content posted or transmitted is removed. Member’s use of THE CIRCLE (including the affiliated areas), contributions and discussions are dependent upon Member’s compliance with the standards and conduct guidelines set forth above. IGC may revoke Member’s privileges to use all or a portion of THE CIRCLE and/or take any other appropriate measures to enforce THE CIRCLE standards and conduct guidelines if violations are brought to IGC’s attention. If Member fails to adhere to THE CIRCLE standards and conduct guidelines or any part of this Agreement, IGC may terminate, in its sole discretion, Member’s use of or participation in THE CIRCLE or any affiliated platform or area.
Indemnification
Member agrees to indemnify, hold harmless and, at IGC’s option, defend IGC and its Affiliates, officers, directors, members, managers, employees, agents and representatives from any and all third party claims, liability, damages and/or costs (including, but not limited to, reasonable attorneys fees and expenses) arising from Member’s improper use of THE CIRCLE or IGC’s products or offerings (including, without limitation, the Fee-Based Products), Member’s violation of this Agreement or Member’s infringement or the infringement or use by any other user of Member’s account, of any intellectual property or other right of any person or entity.
Governing Law and Choice of Forum
This Agreement shall be governed by and construed in accordance with the laws of Maryland and the District of Columbia, without giving effect to any principles of conflicts of law. Member agrees any action at law or in equity arising out of or relating to Member’s use (including, without limitation, the Fee- Based Products) or this Agreement shall be filed only in the federal or state courts in Maryland and/or the District of Columbia and Member hereby consents and submits to the personal jurisdiction of such courts for the purposes of litigating any such action.
Restrictions on Use of Materials
Member acknowledges THE CIRCLE contains information, software, photos, video, text, graphics, music, sounds, questions, creative suggestions, recordings, messages, comments, feedback, ideas, notes, drawings, articles and other materials (collectively, “Content”) that are protected by copyrights, patents, trademarks, trade secrets and/or other proprietary rights and that these rights are valid and protected in all forms, media and technologies existing now or hereafter developed. All Content is copyrighted under the United States copyright laws (and, if applicable, similar foreign laws) and IGC owns a copyright in the selection, coordination, arrangement and enhancement of such Content. IGC’s commercial partners, advertisers, sponsors, licensors, contractors and other third parties may also have additional proprietary rights in the Content, which they make available in THE CIRCLE.
Member may not modify, publish, transmit, distribute, perform, participate in the transfer or sale, create derivative works of or in any way exploit, any of the Content, in whole or in part, without the express written consent of IGC. When Content is downloaded to Member’s computer, Member does not obtain any ownership interest in such Content. Modification of the Content or use of the Content for any other purpose, including, but not limited to, use of any Content in printed form or on any other website or networked computer environment is strictly prohibited. Member acknowledges and agrees (a) that all intellectual property and any other plans, specifications, designs and other documents and materials created by or in conjunction with IGC pursuant to this Agreement or related to the services to be provided hereunder and any information, work in progress, trade secrets or other secret or confidential matter related to the business or projects of IGC constitute confidential information (“Confidential Information”); and (b) that the Member shall not use, copy or disclose to any person, firm or corporation any such Confidential Information, unless such use has been authorized in writing by IGC.
Member acknowledges all content and materials posted, emailed or otherwise transmitted to or through THE CIRCLE, whether posted at IGC’s request or voluntarily and whether publicly posted or privately transmitted (collectively, the “Postings”), are the sole responsibility of the person who made such Postings. IGC does not control the Postings posted, emailed or otherwise transmitted in IGC’s THE CIRCLE by others and, as such, IGC do not guarantee the accuracy, integrity or quality of such Postings. Although IGC have adopted THE CIRCLE standards and conduct guidelines for the participants in IGC’s THE CIRCLE (as described below), Member understand that by using IGC’s THE CIRCLE, Member may be exposed to Postings that are offensive or objectionable. Under no circumstances will IGC be liable in any way for any Postings (other than for Content developed by us), including, but not limited to, for any errors or omissions in any Postings or for any loss or damage of any kind incurred as a result of the use of any Postings posted, emailed or otherwise transmitted to or through THE CIRCLE.
Your License to Us
By posting or submitting any material on or through our Programs, Products, Services or Program Materials, such as comments, posts, photos, images or videos or other contributions, you are representing that you are the owner of all such materials and you are at least 18 years old. When you submit to us or post any comment, photo, image, video or any other submission for use on or through our Website, you are granting us, and anyone authorized by us, an unlimited, royalty-free, perpetual, irrevocable, non-exclusive, unrestricted, worldwide license to use, copy, modify, transmit, sell, exploit, create derivative works from, distribute, and/or publicly perform or display such contributions, in whole or in part, in any manner or medium, now known or developed in the future, for any purpose, and granting us the right to make it part of our current or future Programs, Products, Services and/or Program Materials. This right includes granting us use or exploitation of proprietary rights or intellectual property rights like copyright, trademark, service mark, trade secrets, patent rights or any other of your intellectual property rights under any relevant jurisdiction without any further permission from you or compensation by us to you. This does not include any of your own ideas, programs or offerings. We will not take, borrow or steal any of your ideas, programs or offerings for use in our own business.
You also grant us, and anyone authorized by us, the right to identify you as the author of any of your comments, posts, photos, images, videos or other contributions by name, email address, or screen name. You acknowledge that we have the right but not the obligation to use and display any contributions from you of any kind and that we may elect to cease the use and display of any such contributions on our Programs, Products, Services and/or Program Materials at any time for any reason whatsoever.
Media Release
By participating in our Programs, Products and Services, and using our Program Materials, including our Facebook community, you consent to photographs, videos, and/or audio recordings that may be made that may contain you, your voice and/or your likeness. In our sole discretion, we reserve the right to use these photographs, videos, and or/ audio recordings and/or any other materials submitted by you to us in connection with your participation in our Program, Product or Services in our current or future Programs, Products or Services, and/or our marketing or promotional efforts, without compensation to you at any time, now or at any time in the future.
Request for Permission to Use Content
Any request for written permission to use our Programs, Products, Services or Program Materials, in whole or in part, or any other intellectual property or property belonging to us (“Content”), should be made BEFORE you wish to use it by completing the “Contact Us” form on this Website, or by sending an e-mail to info@innerglowcircle.com. We very clearly state that you may not use our Programs, Products, Services or Program Materials, in whole or in part, in any way that is contrary to these Terms of Use unless we have given you specific written permission to do so. If you are granted permission by us, you agree to use the specific Content that we allow and ONLY in the ways for which we have given you our written permission. If you choose to use the content in ways that we do not specifically give you written permission, you agree now that you will be treated as if you had copied, duplicated and/ or stolen such Content from us, and you consent to immediately stop using such Content and to take whatever actions as we may request and by the methods and in the time frame that we prescribe to protect our intellectual property and ownership rights in our Programs, Products, Services or Program Materials.
Security
When you apply for, enroll in, purchase or use our Programs, Products or Services, or Program Materials we may seek and collect personal data and information including but not limited to your name, e-mail address, phone number, billing information, credit card or payment information, demographic information, preferences, interests, or other personally-identifying information (“Confidential Information”). By providing such Confidential Information to us, you grant us permission to use and store such Confidential Information. We, in turn, will use our best efforts to keep your Confidential Information safe, secure and confidential. We take precautions to protect such Confidential Information. When you submit Confidential Information via our Program, Product, Service or Program Materials, we take measures to protect the security of your Confidential Information both online and offline. However, due to the nature of the Internet, we cannot completely ensure or warrant the security of your Confidential Information or of any other data or information transmitted to us or through our services; therefore submitting Confidential Information, data or other information is done at your own risk. We have security measures in place to prevent the loss, misuse, and alteration of the information that is obtained from you, but we make no assurances about our ability to prevent any such loss, misuse, to you or to any third party arising out of any such loss, misuse, or alteration.
Submissions
If at IGC’s request or on Member’s own, Member sends, emails, posts or otherwise transmits to THE CIRCLE any Content (collectively, the “Submissions”), Member grants IGC and its successors and assigns a royalty-free, perpetual, irrevocable, non- exclusive right (including any moral rights) and license (as IGCll as consent) to use, license, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, derive revenue or other remuneration from, communicate to the public, perform and display any Submissions (in whole or in part and with or without the use of Member’s name) worldwide and/or to incorporate the Submissions in other works in any form, media or technology now known or later developed, for the full term of any copyrights, trademarks and other intellectual and proprietary rights (collectively, the “Rights”) that may exist in such Submissions. Member also warrant that, to the extent Member are not the exclusive holder of all Rights in a Submission, any third party holder of any Rights, including moral rights in such Submissions, has completely and effectively waived all such rights and validly and irrevocably granted to Member the right to grant the license stated above. Member further acknowledge that IGC and its successors and assigns shall be entitled to unrestricted use of the Submissions for any purpose whatsoever, commercial or otherwise, without compensation to the provider of the Submissions. Member also permit any user to access, display, view, store and reproduce any Submission that Member have made available in THE CIRCLE Area for personal use.
Third Party Products and Services
Member may order services, merchandise or other products through IGC’s THE CIRCLE from other parties (collectively, the “Third Party Sellers”). All matters concerning the services, merchandise and other products desired from the Third Party Sellers, including, but not limited to, purchase terms, payment terms, warranties, guarantees, maintenance and delivery, are solely between the Member and Third Party Sellers. We make no warranties or representations whatsoever with regard to any services, merchandise or other products provided by Third Party Sellers. Member expressly agree that IGC is not a party to such any Third Party Transactions, whether or not IGC may have received some form of revenue or other remuneration in connection with such transactions and IGC will not be liable for any costs or damages arising out of, either directly or indirectly, Member or any other person involved or related to the transactions.
Disclaimers of Warranties
The products, offerings, content and materials (including, without limitation, the fee-based products) in THE CIRCLE are provided “as is” and without warranties of any kind, either express or implied. IGC disclaims all warranties, express or implied, including but not limited to warranties of title or implied warranties of merchantability, fitness for a particular purpose, title, compatibility, security, accuracy or non- infringement.Any product, offering, content and material (including, without limitation, the fee-based products) downloaded or otherwise obtained through the participation in THE CIRCLE is done at Member’s sole risk and Member will be solely responsible for any damage to Member’s computer system or loss of data that results from the download of any such product, offering, content or material (including, without limitation, the fee-based products). Neither IGC, any of IGC’s affiliates or subcontractors, nor any of their respective licensors, licensees, service providers or suppliers warrant or make any representations regarding the use or the results of the use of the products, offerings, content and materials (including, without limitation, the fee-based products) in THE CIRCLE in terms of their correctness, accuracy, reliability or otherwise.No advice or information, obtained by Member from IGC’s personnel or through this IGC website shall create any warranty not expressly provided for in this agreement.
Limitation of Liability
Member expressly understand and agree that IGC and IGC’s affiliates shall not be liable for any indirect, incidental, special, consequential, exemplary or punitive damages or any other damages whatsoever, including but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses (even if IGC have been advised of the possibility of such damages), arising out of or resulting from, (a) the use or the inability to use THE CIRCLE (including, without limitation, the fee-based products); (b) the use of any content or other material (including, without limitation, the fee-based products) in THE CIRCLE, (c) the cost of procurement of substitute goods and services resulting from any goods, data, information or services purchased or obtained or messages received or transactions entered into through or from THE CIRCLE (including, without limitation, the fee-based products); (d) unauthorized access to or alteration of Member’s transmissions or data; (e) statements or conduct of any third party in IGC’s THE CIRCLE (including, without limitation, the fee-based products); or (f) any other matter relating to THE CIRCLE. In no event shall IGC’s total liability to Member for all damages, losses and causes of action (whether in contract, tort (including, but not limited to, negligence or otherwise) exceed the amount paid by Member, if any, for accessing THE CIRCLE. If any portion of this limitation of liability is found to be invalid, liability is limited to the fullest extent permitted by law.
Payment is due upon submission of your Order via the credit card authorization form provided at checkout. For recurring charges, Member authorizes Inner Glow Circle to auto bill Member.
In addition to the fees and charges set forth, you are responsible for all charges and fees associated with connecting to and using our Fee-Based Products, including without limitation all telephone access lines (including long-distance charges, when applicable), internet service provider fees, telephone and computer equipment, sales taxes and any other fees and charges necessary to access our Fee-Based Products.
For purposes of your use of our Fee-Based Products including identification and billing, you agree to provide us with true, accurate and complete information as required by the Membership process to our Fee-Based Products (“Membership Data”). You agree to maintain and promptly update the Membership Data and any other information you provide to us to keep it accurate. Without limiting any other provision of this Agreement, if you provide any information that is untrue, inaccurate, or incomplete, or we have reasonable grounds to suspect that such is the case, we reserve the right to suspend or terminate your membership and refuse any and all current or future use by you of THE CIRCLE (or any portion thereof) or any of our Fee-Based Products. You agree not to register or subscribe for more than one account, create an account on behalf of someone else, or create a false or misleading identity. If your subscription is revoked for any reason, you agree not to register or subscribe again with THE CIRCLE or Fee-Based Product using another name or through any other means. If we have reason to suspect, in our sole discretion, that your account has previously been terminated, we reserve the right to terminate any new accounts you have registered without any notice to you, or to exercise any other remedies available to us under this Membership Agreement or by law.
You are responsible for maintaining the confidentiality of your password and user account information. You must notify us immediately in the event of any known or suspected unauthorized use of your user account, or any known or suspected breach of security, including loss, theft, or unauthorized disclosure of your or anyone else’s password or credit card information. In the event of a breach of security by you, you will remain liable for any unauthorized use of your subscription until you update your Membership Data. If your credit card expires, is canceled, is lost or is subject to use without your authorization, you are required to update your Membership Data. You are responsible for any and all activities that occur under your account.
If we terminate your membership prior to the end of the applicable period, you agree that all fees and charges assessed by us are nonrefundable. Nonrefundable fees include the full Monthly Fee for any month (or portion thereof) elapsed (regardless of whether you participated in or used the Fee-Based Product during that month).
If you believe that we have erroneously charged your credit card, you agree to promptly notify us of such error. If you fail to notify us within thirty (30) days after the alleged error first appears on your credit card statement, the charge shall be deemed accepted by you for all purposes, including, but not limited to, the resolution of inquiries or investigations made by the issuer on your credit card. You agree to release and indemnify us from all liabilities and claims of loss resulting from any alleged billing error or any discrepancy that you fail to report to us within thirty (30) days of its submission to you.
Payment is due upon submission of Member’s order via the credit card authorization form provided at checkout. Graduation and certification are available pending completion of all requirements and all payments.
For recurring charges, Member authorizes IGC to auto-bill Member. Member is responsible for all charges and fees associated with connecting to and using IGC’s Fee-Based Products, including without limitation all telephone access lines (including long-distance charges, when applicable), internet service provider fees, telephone and computer equipment, sales taxes and any other fees and charges necessary for access.
Member agrees to provide IGC with true, accurate and complete information as required by the Membership process to IGC’s Fee-Based Products (“Membership Data”). Member is responsible for maintaining the confidentiality of Member’s password and account information. Member must notify IGC immediately in the event of any known or suspected unauthorized use of an account or any known or suspected breach of security, including loss, theft or unauthorized disclosure of Member’s or anyone else’s password or credit card information. In the event of a breach of security by Member, Member will remain liable for any unauthorized use of the subscription until Member update Membership Data. If Member’s credit card expires, is canceled, is lost or is subject to use without Member’s authorization, Member is required to update Membership Data. Member is responsible for any and all activities that occur under Member’s account.
If the Member places a deposit for Coach Training or any other IGC program, the Member agrees to choose a payment plan for the remaining payments of the program before the start of the program. If the Member is not in communication with the billing department about setting up their payment plan, this does not make the Member’s deposit null and void. Lack of setting up a payment plan after placing a deposit in Coach Training or any other program will automatically defer the Member to the extended payment plan for said program and those monthly payments will automatically begin at the start of the program. Member understands that after placing a deposit, the path to step away from Coach Training or Leader Rising is through the 14-Day Guarantee. There is no stepping away from any digital program, Women’s Circle Leader Training, or any other IGC training program.
If a Member believes IGC has erroneously charged Member’s credit card, Member agrees to promptly notify IGC of such error. If Member fails to notify IGC within thirty (30) days after the alleged error first appears on Member’s credit card statement, the charge shall be deemed accepted by Member for all purposes, including, but not limited to, the resolution of inquiries or investigations made by the issuer on Member’s credit card. Member agrees to release and indemnify IGC from all liabilities and claims of loss resulting from any alleged billing error or any discrepancy that Member fail to report to IGC within thirty (30) days of its occurrence.
Membership Fees
Member’s subscription begins the date the Member signs up and submits payment through the credit card authorization form provided at checkout and will auto-renew monthly if the program is not paid in full. Member allows IGC to automatically charge Member’s credit, debit card, Paypal account or any other account on file as payment for the Membership without any additional authorization. If balance owed is declined, IGC reserves the right to charge any of the Member’s payment methods on file a partial payment of lesser value. Partial payments may be charged to the Member’s card until the full balance owed has been collected.
Cancellation Policy
Cancellation is available to THE CIRCLE only Members. THE CIRCLE Membership can be cancelled with 30 days notice within the Member portal.
Coach Training, Leaders Rising, and any other IGC program cannot be canceled after registration.
Coach Training, Leaders Rising and any other IGC program over $350, include a complimentary lifetime membership to THE CIRCLE. All programs are set to auto-renew THE CIRCLE membership month to month after the initial term, free of charge.
To cancel THE CIRCLE Membership, login to the portal, navigate to “My Programs” on the top banner and select “My Orders” from the left sidebar. At the top of the page, the “Click Here!” link navigates Member to the cancellation form.
If a Member continues to use any paid IGC product, membership platform, materials or any paid Facebook group, IGC reserves the right to continue to bill the client. Activity on any of the platforms, including the corresponding Facebooks groups, course online portal, course emails or call attendance count as participation.
If the Membership terminates for any reason regarding the Member’s breach of this contract, the Member will remain fully responsible for the full cost of the program, including future payments if the Member is paying in installments. If IGC terminates a membership prior to the end of the applicable period, all fees and charges assessed are nonrefundable. Nonrefundable fees include the full Monthly Fee for any month (or portion thereof) elapsed (regardless of whether Member participated in THE CIRCLE or used the Fee-Based Product during that month).
Refund Policy
IGC offers no refunds for THE CIRCLE, Women’s Circle Leader Training, and other IGC branded programs, except Coach Training and Leaders Rising. IGC offers no refunds on Coach Training or Leaders Rising unless proper measures are taken as outlined in IGC’s 14-Day Satisfaction Guarantee. If a Member has a medical emergency or death in the family, arrangements may be made to attend a different class with proper documentation. Documentation must be submitted to Trainin@innerglowcircle.com within 30 days of informing the Training Director of the need to change class or postpone enrollment due to a medical emergency. If Proper documentation is not received within 30 days of informing the Training Director, tuition payments will resume.If any arrangements are made due to medical reasons, they are to be kept confidential and not discussed with other students or members. A change of mind, change of schedule, change of employment, moving, interpersonal relationship challenges, non-attendance or any other circumstance does not constitute a class change, drop or refund.
Missed Payment
After 30 days of non-payment, non-communication after placing a deposit for an IGC program, no partial payment and/or no reasonable plan to make good on payments, Member is dropped from the class or program. Monies owed are still due in full and will be collected in a timely manner. Dropped from class means the student is disallowed from participating on any of the platforms, including the corresponding Facebooks groups, course online portal, course emails or call attendance count as participation with the program. IGC reserves the right to send accounts to an internal collections department or an external third-party collections agency. In such case, non-payment, missed payment or late payments could negatively impact a Member’s credit history and/or credit score.
Late Penalty
In the event that a Member fails to make a payment in a payment plan during the time prescribed for any IGC product, IGC has the right to immediately disallow participation by Member until payment is paid in full. In addition, a late fee may be added to the monies owed.
Course Specific Payment Plans are listed below HERE.
fee-based product schedule
Inner Glow Circle reserves the right to change, enhance, reduce or cancel any Products or change the pricing. Products: THE CIRCLE, Coach Training, Leaders Rising, Women’s Circle Leader Training, Digital Products, Partner Programs, One on One Coaching
GLOW CEO 30-DAY SATISFACTION GUARANTEE
OUR GLOW CEO 30-DAY SATISFACTION GUARANTEE
How can I withdraw from Glow CEO?
Due to the nature of Glow CEO, which provides immediate access to the IGC Open Coaching calls, trainings, and materials, we do not accept requests for refunds or requests to withdraw from these programs outside of our 30-Day Satisfaction Guarantee. At sign up, all students agree to the Terms and Conditions outlined on the registration page.
What is the Glow CEO 30-Day Satisfaction Guarantee?
IGC is committed to excellence in coaching, training and entrepreneurship. When a student puts their full energy into the course, we know they have an outstanding experience. Because of our confidence in our programs, as well as our commitment to client happiness, we have designed a 30-Day Satisfaction Guarantee. If a Glow CEO student has fully engaged in the course for their first 30 days of access and is still not satisfied, the student may submit the following to be considered eligible for our satisfaction guarantee, which could grant the student withdrawal from Glow CEO along with receiving their initial payment(s) back, less an administrative fee of $95.
The 30-Day Satisfaction Guarantee requires a student to be fully engaged in the course for 30 days, starting from when the Student gains access to Module One. Requirements include:
- Participation in Glow CEO over the first 30 days, including:
- Completion and submission of Module 1-4 Workbooks (Student turn in)
- Live participation in The Circle during the first 30 days after receiving Module One, including:
- Attendance and participation on at least 1 Open Coaching Call on the designated Zoom Line (Student turn in date and time log)
The 30 day period starts once a student has gained access to Module One.
A student wanting to participate in the 30-Day Satisfaction Guarantee must email training@innerglowcircle.com within 14 days of the 30-day timeframe to be eligible.
At that point, the student and Director of Training will work in partnership to navigate completion of the first 30 days. The above items must be sent with corresponding attachments to training@innerglowcircle.com before the completion of the student’s initial 30 day period and after the above materials are completed. Late or incomplete items will not be accepted and will void the guarantee.
Once the above materials are completed and turned in, the student’s submission will be reviewed by the Director of Training to determine eligibility for any money back.
- For students on a monthly payment plan, any monies returned to the student will include any initial monthly payment(s) less a $95 administrative fee to compensate for the student’s participation during the first 30 days.
- For students who pay in full, any monies returned to the student will include that full payment, less a $95 administrative fee to compensate for the student’s participation during the first 30 days. This includes students who choose financing to make their payment and it is solely the student’s responsibility to repay any and all financing used to fund Glow CEO.
Furthermore, please review the non-disparagement agreement listed in the terms and conditions, which states, in the event of a dispute between The Coach (Trainer) and The Member, The Member and The Coach each agree to not engage in any conduct or communications, public or private, designed to disparage the student, the program, Inner Glow Circle, the Coach or fellow Members.
COACH TRAINING ADDENDUM
Member hereby agrees to a 6 month Membership to the IGC’s Coach Training program, including a total of 6 months in training and lifetime access to THE CIRCLE. The Coach is responsible for the full investment of the training program, unless proper measures are taken as outlined in our 14-Day Satisfaction Guarantee.
Member agrees that they must be THE CIRCLE Member concurrently. A free lifetime THE CIRCLE membership is included with the tuition for IGC’s Coach Training program. Member must give 30 days notice prior to the 13th month of enrollment in THE CIRCLE, if they wish to cancel their subscription after the completion of the 6 months of Coach Training.
General Terms and Conditions
Program Requirements
Align with the core mission to make an impact for women across the globe through collaboration, coaching and sisterhood. Commit to developing as a coach and leader and supporting the growth of other women.
Remain current and in good standing in THE CIRCLE.
Commit to Inner Glow Circle’s ethical guidelines, including but not limited to taking personal responsibility, speaking up for one’s needs, treating Leaders and fellow members with respect and not participating in gossip.
IGC’s Coach Training requires a significant investment by the Trainer and Inner Glow Circle. If the Program terminates for any reason regarding the Member’s breach of contract, the Member still will remain fully responsible for the full cost of the Program (including future payments if the Member is paying in installments).
Graduation and Certification Requirements
Attendance to at least 80% of all live training calls (attendance is tracked by your trainer on a weekly basis). You can always attend another collective’s live weekly call if necessary; just let us know in the Facebook group! Also, if you should miss, please watch the recorded session and share your thoughts, questions and comments in the Facebook group so that we know you engaged with the material. Per ICF accreditation standards, live attendance is of most value and Inner Glow Circle reserves the right to deny certification should Coach be absent for more than 20% of the calls.
Submission of IGC Coach Training Semester 1 and 2 Lesson Assessments. Assessments will be delivered through the members portal weekly along with each lesson. There are 24 total lessons in the course that have an assessment. You can submit each exercise the week it’s due or turn in all exercises at once during week 12 for Semester 1 and the remaining exercises within 14 days of week 24 for Semester 2.
A minimum of 1 live partner coaching evaluation by the trainer per semester (2 total). Your trainer must be invited to attend a live partner coaching call with you and your partner (the call in which you are the coach, not client!) one time in each semester. To ensure your trainer can attend at least one, we recommend inviting her via email to a minimum of 3 calls so that she can ensure availability for live observation on one. This call will be evaluated live using the IGC Student Coaching Call Rubric. Please note that the grade received on Semester 1 calls are for learning purposes only. This grade is designed to inform which areas to improve before submitting your second recorded calls in Semester 2.
Submission of 1 Peer Reviewed Recorded Observation rubric per semester (2 total). Students will listen to a classmate’s recorded partner coaching call and fill out the Semester One Peer Review Rubric in their google folder by the end of week 12 for semester one, and listen to a different call in semester two, completing the Semester Two Peer Review Rubric within 14 days of Lesson 24 in semester two. You will be paired up with another student for these peer reviewed calls each semester by your trainer. The semester one peer reviewed evaluation is for learning purposes only. The semester two peer reviewed evaluation will count toward the grade of the student coach whose call is being evaluated by a peer. THE SEMESTER TWO PEER REVIEW RUBRIC IS DUE BY THE END THE WEEK OF LESSON 18.
Submission of your Semester 1 Recorded Partner Coaching Calls. Please submit call log in your Google folder, to your trainer by week 12. Please include links to the recordings.
Submission of your Semester 2 Recorded Partner Coaching Calls. Please submit call log in your Google folder, to your trainer within 14 days of week 24. Please include links to the recordings.
PLEASE NOTE: All submissions must be handed in in a timely manner in order to ensure proper evaluation. You have up to 14-days after your last live training call to complete all 1:1 coaching hours with your trainer, all partner coaching hours and submit exercises and other materials. Certification will be delivered upon completion of all work above and once the account is paid in full.
Any evidence of plagiarism, cheating or otherwise behaving in an unethical manner could result in non-certification of a student and/or removal from Coach Training.
Mentor Coaching Policy
To apply for an ICF credential upon completion of training, Member must fulfill 62 hours of coach training and an additional 10 mentor coaching hours. Coach Training Students have the option to add up to 10 mentor coaching hours with an IGC Mentor Coach before, during or after their time in Coach Training. These mentor coaching hours can be purchased individually or in packages for a discounted rate. All mentoring sessions count towards ICF Mentor Coaching Hours and can be a mix of training, coaching, mentoring or practice coaching.
Any mentor coaching hours purchased will be in addition to their Coach Training tuition. Individual sessions must be used within 60 days of purchase. Packages of 5 sessions must be completed within 5 months of purchase. Packages of 10 sessions must be completed within 10 months of purchase.
Partner Coaching Policy
Partner coaching hours are a requirement of the program. You are required to attend 12 hours as coach and 12 hours as client in order to be certified.
All calls must be recorded and submitted. Each student is responsible for submitting the calls in which they are COACH. Students are not responsible for the recordings of their calls as CLIENT (as those will be submitted to IGC by the coach).
Live observation. Live observations is a requirement of our training program. As coach, you are responsible for inviting your trainer to the live calls (1 per semester) and notifying her with a minimum of 24 hours notice should there be a change in scheduling for you or your partner coaching client. Failure to fulfill the live observation requirement will result in NON CERTIFICATION.
A “no show” (which includes not attending, less than 24 hours notice or more than 10 minutes late) as the coach or client for a live observed session will only be rescheduled at the discretion of your trainer. Rescheduling is NOT guaranteed. It is your responsibility as a student in IGC Coach Training to regard partner coaching with the highest level of integrity and professionalism.
IGC reserves the right to attend more than one live coaching observation per semester should the student need additional support or the trainer feels that additional observation is essential to the student’s success and mastery of coaching skills.
SUMMER SESSIONS ADDENDUM
PAYMENT INFO FOR ALL EARLY ENROLLMENT STUDENTS AND SUMMER SESSION ACCESS
If a student places a deposit for Coach Training, the student agrees to choose a payment plan for the remaining payments of the program before the start of the program. If the student is not in communication with the billing department about setting up their payment plan, this does not make the student’s deposit null and void. Lack of setting up a payment plan after placing a deposit in Coach Training will automatically defer the student to the extended (i.e. longest) Regular Price payment plan available and those monthly payments will automatically begin the month that class starts, on the 1st of that month. Any student who puts down a deposit and then pays the remaining balance in full, will receive the pay in full pricing and discounts listed.
Summer Session Access is granted for all early enrollment students from May 1-July 31. Access to Summer Sessions is guaranteed with the Coach Training Deposit. All deposits are fully refundable if a request is made in writing to billing@innerglowcircle.com by August 1st. Once written notice is confirmed, students must complete the Summer Session/Coach Training Deposit Refund Request Form sent from training@innerglowcircle.com.
Summer Session/Coach Training Deposit Refunds will be processed by August 5th of the year of their initial deposit.
Summer Session/Coach Training Deposit Refunds are granted to students who complete the following and are unsatisfied with the programming:
Must complete all modules delivered on or before July 31st.
-completion of video training for each module delivered
-completion of workbooks for each module delivered
-Attendance to a minimum of one (1) 1:1 call with their coach
-Attendance to a minimum of 3 Open Coaching Calls
Failure to complete the Summer Session/Coach Training Deposit Refund Request Form by August 1st voids the refund and enrolls the student in the upcoming coach training program. If the student is still unsatisfied yet actively enrolled, the student must adhere to the 14-day Satisfaction Guarantee policy here.
LEADERS RISING ADDENDUM
Member hereby agrees to a full 12-month Membership term in the Leaders Rising Training program.
A complimentary lifetime access to THE CIRCLE is included with the tuition for Leaders Rising. Leader is responsible for the full year’s tuition.
GENERAL TERMS AND CONDITIONS
Program Requirements
Align with the core mission to make an impact for women across the globe through coaching and entrepreneurship. Commit to developing as a coach and leader and supporting the growth of other women.
Remain current and in good standing in THE CIRCLE.
Commit to Inner Glow Circle’s ethical guidelines, including but not limited to taking personal responsibility, speaking up for one’s needs, treating Leaders and fellow members with respect and not participating in gossip.
Leaders Rising requires a significant investment by the Trainer and Inner Glow Circle. If the Program terminates for any reason regarding the Member’s breach of contract, the Member still will remain fully responsible for the full cost of the Program (including future payments if the Member is paying in installments).
GRADUATION AND CERTIFICATION REQUIREMENTS
Leaders Rising is a 12 month commitment requiring participation in the following formats:
12 Monthly Lessons via Video Conference. Leader must attend 80% of live lessons (whole group and small group) and submit journal exercises in their individual Google folder for each exercise.
2 In Person Intensives. Leader must attend the full intensives and do pre-work as assigned by the trainer. Failure to attend in person may result in NON certification.
12 Partner Coaching Calls. The Leader will receive written feedback on a minimum of 5 calls throughout the year and must pass with an average score of 3.0 to be considered for certification.
Commitment to complete and graduate from IGC Coach Training (be a “Graduate”)
Coach agrees to maintain the ethics and standards of behavior set by the International Coach Federation “(ICF).” Member is responsible for creating and implementing her own physical, mental and emotional well-being, decisions, choices, actions and results. As such, the Member agrees that the Coach is not and will not be liable for any actions or inaction, or for any direct or indirect result of any services provided by the Coach. Member understands coaching is not therapy and does not substitute for therapy if needed, and does not prevent, cure, or treat any mental disorder or medical disease.
Member understands that coaching is not to be used as a substitute for professional advice by legal, mental, medical, financial or other qualified professionals and will seek independent professional guidance for such matters. If Member is currently under the care of a mental health professional, Coach will recommend that Member inform the mental health care provider.
Authorization and Receipt: If paying by debit card or credit card (Visa, MasterCard, American Express or Discover), Member allows Inner Glow Circle permission to automatically charge her credit or debit card as payment for the Program without any additional authorization.
Missed Payment: In the event Member fails to make any of the payments within a payment plan during the time prescribed, Coach has the right to immediately disallow participation by Member until payment is paid in full. In addition, a late fee may be charged. If Member does not reinstate payment for 30 days, Coach shall terminate coaching agreement and cease all remaining sessions. No refunds of prior payments will be given.
Refund Policy: These Programs require a significant investment by Coach and Inner Glow Circle. If the Program terminates for any reason regarding the Member’s breach of this contract, the Member still will remain fully responsible for the full cost of the Program (including future payments if the Member is paying in installments). The ONLY way to step away from Leader Rising is through the 14-Day Satisfaction Guarantee policy, which, if completed, will allow the Student to withdrawal from Leaders Rising with a refund.
Intellectual Property: ALL intellectual property, including the copyrighted Program materials, shall remain the sole property of The Coach and no license to sell or distribute or materials is granted or implied. Member agrees not to reproduce, duplicate, copy, sell, trade, resell or exploit for any commercial or personal purposes, any portion of the Program, including any of the Program materials.
Non-Disparagement: In the event of a dispute between The Coach and The Member, The Member and The Coach each agree to not engage in any conduct or communications, public or private, designed to disparage the Program, Inner Glow Circle or the Coach or fellow Members.
THE CIRCLE Member Standards and
Conduct Guidelines
All Members agree to commit to Inner Glow Circle’s ethical guidelines, including but not limited to taking personal responsibility, speaking up for one’s needs, treating Leaders and fellow Members with respect and not participating in gossip.
You acknowledge that all Content and all information, software, photos, video, text, graphics, music, sounds, questions, creative suggestions, recordings, messages, comments, feedback, ideas, notes, drawings, articles and other materials posted, emailed, or otherwise transmitted to or through THE CIRCLE, whether posted at our request or voluntarily, and whether publicly posted or privately transmitted (collectively, the “Postings”), are the sole responsibility of the person who made such Postings. Inner Glow Circle does not control the Postings posted, emailed or otherwise transmitted in THE CIRCLE by others and, as such, we do not guarantee the accuracy, integrity or quality of such Postings. Although we have adopted THE CIRCLE standards and conduct guidelines for the participants in THE CIRCLE (as described below), you understand that by using THE CIRCLE, you may be exposed to Postings that are offensive or objectionable. Under no circumstances will we be liable in any way for any Postings (other than for Content developed by us), including, but not limited to, for any errors or omissions in any Postings, or for any loss or damage of any kind incurred as a result of the use of any Postings posted, emailed or otherwise transmitted to or through THE CIRCLE.
Member agrees not to use THE CIRCLE (including any Inner Glow Circle Areas) to:
1. Upload, post, email or otherwise transmit any Postings or other materials that are unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, invasive of another’s privacy, hateful, or racially, ethnically or otherwise objectionable (in Inner Glow Circle’s sole discretion);
2. Harm minors in any way, or solicit, communicate with or otherwise attempt to gain any information from a minor;
3. Impersonate any person or entity, including, but not limited to, any user of THE CIRCLE, a director, officer, employee, shareholder, agent or representative of Inner Glow Circle or our affiliates, or any other person or entity, or falsely state or otherwise misrepresent your affiliation with Inner Glow Circle, our affiliates or any other person or entity;
4. Forge headers or otherwise manipulate identifiers in order to disguise the origin of any Postings or other materials transmitted to or through tTHE CIRCLE;
5. Intentionally upload, post, email or otherwise transmit any Postings or other materials that you do not have a right to upload, post, email or otherwise transmit under any law or under contractual or fiduciary relationships (such as insider information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements);
6. Upload, post, email or otherwise transmit any Postings or other materials that infringe upon any patent, trademark, trade secret, copyright, right of privacy or publicity or other proprietary rights of any party;
7. Upload, post, email or otherwise transmit any unsolicited or unauthorized advertising, promotional materials, “junk mail,” “spam,” “chain letters,” “pyramid schemes,” or any other form of commercial solicitation, except in those areas, if any, that are specifically designated for such purpose;
8. Upload, post, email or otherwise transmit any Postings or other materials that contain software viruses or any other computer code,
files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;
9. Disrupt the normal flow of dialogue, cause a screen to “scroll” faster than other users of THE CIRCLE Area are able to type, or otherwise act in a manner that negatively affects or otherwise diminishes the quality of another user’s experience of THE CIRCLE;
10. Interfere with or disrupt Inner Glow Circle’s website or servers or networks connected to Inner Glow Circle’s website, or disobey any requirements, procedures, policies or regulations of networks connected to Inner Glow Circle’s websites;
11. Intentionally or unintentionally violate any applicable local, state, national or international law, including, but not limited to, any regulations having the force of law;
12. “Stalk” or otherwise harass another Member, Coach, Leader, employee, affiliate or user of THE CIRCLE; or
13. Solicit, collect or post personal data or attempt to solicit, collect or post personal data about other users of THE CIRCLE, including user names or passwords; or
14. Access or attempt to access another user’s account without his or her consent.
All THE CIRCLE Area communications, including, but not limited to, chat, message board, blog, Facebook groups, are public communications, accessible to members and employees and subcontractors of Inner Glow Circle. Inner Glow Circle reserves the right to monitor some, all or no areas of THE CIRCLE (including any THE CIRCLE Area) for adherence to THE CIRCLE standards and conduct guidelines set forth above or for any other purpose. Member acknowledges that by providing her with the ability to distribute Postings in THE CIRCLE Areas, Inner Glow Circle is acting as a passive conduit for such distribution and is not undertaking any obligation or liability relating to any Postings or activities in any THE CIRCLE Area, nor does Inner Glow Circle endorse any such Postings. Although Inner Glow Circle reserves the right to remove, without notice, any THE CIRCLE Area posting for any reason, we have no obligation to review Content prior to the Content’s posting or to delete Postings that you may find objectionable or offensive. Inner Glow Circle is not responsible for maintaining a copy of any material it removes from THE CIRCLE, and Inner Glow Circle is not liable for any loss Member incurs in the event that Content Member posts or transmits to THE CIRCLE is removed. Member’s use of THE CIRCLE (including the THE CIRCLE Areas) and contributions and discussions on THE CIRCLE Areas is dependent upon Member’s compliance with THE CIRCLE standards and conduct guidelines set forth above. Inner Glow Circle may revoke Member’s privileges to use all or a portion of the THE CIRCLE and/or take any other appropriate measures to enforce THE CIRCLE standards and conduct guidelines if violations are brought to Inner Glow Circle’s attention. If Member fails to adhere to THE CIRCLE standards and conduct guidelines, or any part of this Agreement, Inner Glow Circle may terminate, in its sole discretion, Member’s use of, or participation in, any THE CIRCLE Area.
This is the entire agreement of the parties, and reflects a complete understanding of the parties with respect to the subject matter. This agreement supersedes all prior written and oral representations. If a dispute arises out of this agreement that cannot be resolved by mutual consent, the Member and Coach agree to attempt to mediate in good faith for up to (certain amount of time such as 30 days) after notice given.
(Last modified – Summer 2020)
Fall 2020 Coach Training Payment Terms
In addition to the general payment terms for all programs, students who enroll in IGC Coach Training will agree to one of the payment plans below.
Student understands that after placing a deposit, first month’s payment, or paying in full, the student is considered enrolled in the program and the only path to step away from Coach Training is through the 14-Day Guarantee.
In Fall 2020, students have the following payment plans to choose from:
Total Value Of Program – $12,600*
*All discounts listed below are based on this total value
Deposit (available through 7/31/20)
$500 deposit holds the student’s spot in class
Early Enrollment pricing options are locked in with a deposit
Remaining 1st month’s balance will be due 8/1/20
Any subsequent payments continue on a monthly basis starting 9/1/20
Early Enrollment Price (available 8/1/20-8/31/20)**
Pay in Full: $10,700 ($1,900 discount)
12 monthly payments of $950 = $11,400 total payments ($1200 discount)
18 monthly payments of $650 = $11,700 total payments ($900 discount)
First monthly payment is due upon registration
Subsequent payments continue on a monthly basis every 30 days
**A percentage of profits go to funding our 2020 scholarship recipients
Regular Price (available 9/1/20-9/28/20)***
Pay in Full: $11,600 ($1000 discount)
12 monthly payments of $1,025 = $12,300 total payments ($300 discount)
18 monthly payments of $700 = $12,600 total payments (no discount)
First monthly payment is due upon registration
Subsequent payments continue on a monthly basis every 30 days
***A percentage of profits go to funding our 2020 scholarship recipients
(Additional info below at bottom of page)
Spring 2021 Coach Training Payment Terms
In addition to the general payment terms for all programs, students who enroll in IGC Coach Training will agree to one of the payment plans below.
Student understands that after placing a deposit, first month’s payment, or paying in full, the student is considered enrolled in the program and the only path to step away from Coach Training is through the 14-Day Guarantee.
In spring 2021, students have the following payment plans to choose from:
Total Value Of Program – $12,600*
*All discounts listed below are based on this total value
Deposit (available through 1/31/21)
$500 deposit holds the student’s spot in class
Early Enrollment pricing options are locked in with a deposit
Coach Training deposit is fully refundable until 2/1/2021.
Next payment will be due on 3/1/2021 with subsequent monthly payments (if applicable).
Payment options after placing a deposit:
Option 1: 18 payments of $555 (Total investment including deposit: $10,490)
Option 2: 1 payment of $9496 (Total investment including deposit: $9996)
Regular Price (available 2/1/21-3/31/21)
Pay in Full: $11,500 ($1100 in savings)
18 monthly payments of $700 = $12,600 total payments (no discount)
First monthly payment is due upon registration
Subsequent payments continue on a monthly basis every 30 days
(Additional info below at bottom of page)
Fall 2021 Coach Training Payment Terms
In addition to the general payment terms for all programs, students who enroll in IGC Coach Training will agree to one of the payment plans below.
Student understands that after placing a deposit, first month’s payment, or paying in full, the student is considered enrolled in the program and the only path to step away from Coach Training is through the 14-Day Guarantee.
In fall 2021, students have the following payment plans to choose from:
Total Value Of Program – $10,000
*All discounts listed below are based on this total value
Early Enrollment (available through 8/31/21)
18 payments of $500 = $9000 total ($1000 discount)
$2000 down + 24 payments of $291.66 = $8999.84 ($1000.16 discount)
Pay in Full: $8,500 ($1500 in savings)
First payment is due upon registration. Your next payment will start 30 days after this payment.
When you enroll before August 1, your second payment will be on 9/1/2021.
Any subsequent payments continue on a monthly basis every 30 days.
Regular Enrollment (available 9/1/21 through the start of class)
18 payments of $555.55 = $10,000 total (no discount)
$2000 down + 24 payments of $333.33 = $9,999.92 total ($0.08 discount)
Pay in Full: $9,500 (1500 in savings)
First payment is due upon registration. Your next payment will start 30 days after this payment.
Any subsequent payments continue on a monthly basis every 30 days.
(Additional info below at bottom of page)
Spring 2022 Coach Training Payment Terms
In addition to the general payment terms for all programs, students who enroll in IGC Coach Training will agree to one of the payment plans below.
Student understands that after placing a deposit, first month’s payment, or paying in full, the student is considered enrolled in the program and the only path to step away from Coach Training is through the 14-Day Guarantee.
Total Value Of Program for IGC ONLY PATH – $10,000*
*All discounts listed below are based on this total value
Early Enrollment IGC ONLY PATH (available through 2/28/22)
18 payments of $500 = $9000 total ($1000 discount)
$2000 down + 24 payments of $291.66 = $8999.84 ($1000.16 discount)
Pay in Full: $8,500 ($1500 in savings)
First payment is due upon registration. Your next payment will start 30 days after this payment.
When you enroll before February 1, your second payment will be on 3/1/2021.
Any subsequent payments continue on a monthly basis every 30 days.
Regular Enrollment IGC ONLY PATH (available 3/1/22 through the start of class)
18 payments of $555.55 = $10,000 total (no discount)
$2000 down + 24 payments of $333.33 = $9,999.92 total ($0.08 discount)
Pay in Full: $9,500 (1500 in savings)
First payment is due upon registration. Your next payment will start 30 days after this payment.
Any subsequent payments continue on a monthly basis every 30 days.
Total Value Of Program for ICF PATH – $12,500*
*All discounts listed below are based on this total value
Early Enrollment ICF PATH (available through 2/28/22)
18 payments of $638.88 = $11,500 total ($1000.08 discount
$2000 down + 24 payments of $395.83 = $9,499.92 ($1000.08 discount
Pay in Full: $11,000 ($1500 in savings)
First payment is due upon registration. Your next payment will start 30 days after this payment.
When you enroll before February 1, your second payment will be on 3/1/2021.
Any subsequent payments continue on a monthly basis every 30 days.
Regular Enrollment ICF PATH (available 3/1/22 through the start of class)
18 payments of $695 = $12,500 total (no discount)
$2000 down + 24 payments of $437.50 = $12,500 total
Pay in Full: $11,500 (1000 in savings)
First payment is due upon registration. Your next payment will start 30 days after this payment.
Any subsequent payments continue on a monthly basis every 30 days.
Fall 2022 Coach Training Payment Terms
In addition to the general payment terms for all programs, students who enroll in IGC Coach Training will agree to one of the payment plans below.
Student understands that after placing a deposit, first month’s payment, or paying in full, the student is considered enrolled in the program and the only path to step away from Coach Training is through the 14-Day Guarantee.
In fall 2022, students have the following payment plans to choose from:
Total Value Of Program for IGC ONLY PATH –$10,000*
*All discounts listed below are based on this total value
Early Enrollment IGC ONLY PATH (available through 8/31/22)
Pay in Full: $8,500 ($1500 in savings)
18 payments of $500 = $9,000 total ($1000 discount)
$2000 down + 24 payments of $291.66 = $9,000 ($1000 discount)
First payment is due upon registration. Your next payment will start 30 days after this payment.
When you enroll before August 31, your second payment will be on 9/1/2022.
Any subsequent payments continue on a monthly basis every 30 days.
Regular Enrollment IGC ONLY PATH (available 9/1/22 through the start of class)
Pay in Full: $9,500 (500 in savings)
18 payments of $555.55 = $10,000 total (no discount)
$2000 down + 24 payments of $333.33 = $10,000 total (No Discount)
First payment is due upon registration. Your next payment will start 30 days after this payment.
Any subsequent payments continue on a monthly basis every 30 days.
Total Value Of Program for ICF PATH – $12,500*
*All discounts listed below are based on this total value
Early Enrollment ICF PATH (available through 8/31/22)
Pay in Full: $11,000 ($1500 in savings)
18 payments of $639 = $11,500 total ($1,000 discount)
$2000 down + 24 payments of $396 = $11,500 ($1,000 discount)
First payment is due upon registration. Your next payment will start 30 days after this payment.
When you enroll before August 31, your second payment will be on 9/1/2022.
Any subsequent payments continue on a monthly basis every 30 days.
Regular Enrollment ICF PATH (available 9/1/22 through the start of class)
Pay in Full: $12,500 ( 500 discount)
18 payments of $695 = $12,500 total (no discount)
$2000 down + 24 payments of $437.50 = $12,500 total
First payment is due upon registration. Your next payment will start 30 days after this payment.
Any subsequent payments continue on a monthly basis every 30 days
Spring 2023 Coach Training Payment Terms
In addition to the general payment terms for all programs, students who enroll in IGC Coach Training will agree to one of the payment plans below.
Students understand that after placing a deposit, first month’s payment, or paying in full, the student is considered enrolled in the program and the only path to step away from Coach Training is through the 14-Day Guarantee.
In Spring 2023, students have the following payment plans to choose from:
Total Value Of Program for IGC ONLY PATH – $10,000*
*All discounts listed below are based on this total value
Early Enrollment IGC ONLY PATH (available through 2/28/23
Pay in Full: $8,500 ($1500 in savings)
18 payments of $500 = $9,000 total ($1000 discount)
$2000 down + 24 payments of $291.66 = $9,000 ($1000 discount)
First payment is due upon registration. Your next payment will start 30 days after this payment.
When you enroll before February 28th, your second payment will be on 3/1/2023
Any subsequent payments continue on a monthly basis every 30 days.
Regular Enrollment IGC ONLY PATH (available 3/1/23 through the start of class)
Pay in Full: $9,500 (500 in savings)
18 payments of $555.55 = $10,000 total (no discount)
$2000 down + 24 payments of $333.33 = $10,000 total (No Discount)
First payment is due upon registration. Your next payment will start 30 days after this payment.
Any subsequent payments continue on a monthly basis every 30 days.
Total Value Of Program for ICF PATH – $12,500*
*All discounts listed below are based on this total value
Early Enrollment ICF PATH (available through 2/28/23)
Pay in Full: $11,000 ($1500 in savings)
18 payments of $=639 $11,500 total ($1,000 discount)
$2000 down + 24 payments of $396 = $11,500 ($1,000 discount)
First payment is due upon registration. Your next payment will start 30 days after this payment.
When you enroll before February 28th, your second payment will be on 3/1/2023.
Any subsequent payments continue on a monthly basis every 30 days.
Regular Enrollment ICF PATH (available 3/1/23 through the start of class)
Pay in Full: $12,500 ( 500 discount)
18 payments of $695 = $12,500 total (no discount)
$2000 down + 24 payments of $437.50 = $12,500 total
First payment is due upon registration. Your next payment will start 30 days after this payment.
Any subsequent payments continue on a monthly basis every 30 days.
(Additional info below at bottom of page)
Fall 2023 Coach Training Payment Terms
In addition to the general payment terms for all programs, students who enroll in IGC Coach Training will agree to one of the payment plans below. Students understand that after placing a deposit, first month’s payment, or paying in full, the student is considered enrolled in the program and the only path to step away from Coach Training is through the 14-Day Guarantee.
In Fall 2023, students have the following payment plans to choose from:
Total Value Of Program for IGC ONLY PATH – $10,500*
*All discounts listed below are based on this total value
Early Enrollment IGC ONLY PATH (available through 8/31/23)
PIF > $8,500 (save $1,500 FROM REG ENROLLMENT + PIF DISCOUNT
$8,000 after deposit on Sept 1
50% Down > $4,750 + 11 PAYMENTS OF $432 – $9,502
$4,250 after deposit on Sept 1
6 Month Payment Plan of $1584 – $9,504
$1,084 after deposit on Sept 1 (plus 5 payments of $1,584 billed monthly)
Any subsequent payments continue on a monthly basis every 30 days.
Regular Enrollment IGC ONLY PATH (available 9/1/23 through the start of class)
PIF > $9,500 (save $1,000)
50% Down > $5,250 + 11 payments = $478
6 Monthly Payments > $1,750 = $10,500
First payment is due upon registration. Your next payment will start 30 days after this payment.
Any subsequent payments continue on a monthly basis every 30 days.
Early Enrollment ICF PATH (available through 8/31/23)
PIF > $11,500 (save $1,500)
$11,000 after deposit on Sept 1
50% Down > $6,000 + 11 PAYMENTS OF $546 – $12,006
$5,500 after deposit on Sept 1
6 Month Payment Plan of $2,000 – $12,000
$1,500 after deposit on Sept 1 (plus 5 payments of $2,000 billed monthly)
Any subsequent payments continue on a monthly basis every 30 days.
Regular Enrollment ICF PATH (available 9/1/23 through the start of class)
PIF > $12,000 (save $1,000)
50% Down > $6,500 + 11 payments = $591 = $13,001
6 Monthly Payments > $2,167 = $13,002
First payment is due upon registration. Your next payment will start 30 days after this payment.
Any subsequent payments continue on a monthly basis every 30 days.
ADDITIONAL PAYMENT INFO FOR ALL PAYMENT PLANS:
If a student places a deposit for Coach Training, the student agrees to choose a payment plan for the remaining payments of the program before the start of the program. If the student is not in communication with the billing department about setting up their payment plan, this does not make the student’s deposit null and void. Lack of setting up a payment plan after placing a deposit in Coach Training will automatically defer the student to the extended (i.e. longest) Regular Price payment plan available and those monthly payments will automatically begin the month that class starts, on the 1st of that month. Any student who puts down a deposit and then pays the remaining balance in full, will receive the pay in full pricing and discounts listed.
There will be scholarships awarded for the Fall 2023 collective to support diversity in the coaching industry. All students who accept partial scholarships will also be required to choose a payment plan based on the remaining balance after their particular scholarship is deducted from the total value of the program. Any partial scholarship recipient who desires to pay the remaining balance in full will receive the pay in full pricing and discounts listed. All payment plans will be based on the total value of the program ($10,500 IGC Path & 13,000 ICF Path), minus the partial scholarship amount awarded to the student.
Coach Training cannot be canceled after registration unless the student follows the steps outlined in the 14-Day Guarantee. Coach Training includes a complimentary lifetime membership to THE CIRCLE. If a student has a medical emergency or death in the family, arrangements may be made to attend a different class with proper documentation and will be approached on a case-by-case basis. If any arrangements are made due to medical reasons, they are to be kept confidential and not discussed with other students or members. A change of mind, change of schedule, change of employment, moving, interpersonal relationship challenges, non-attendance or any other circumstance does not constitute a class change, drop or refund.
After 30 days of non-payment, non-communication after placing a deposit for an IGC program, no partial payment and/or no reasonable plan to make good on payments, student is dropped from the class or program. Monies owed are still due in full and will be collected in a timely manner. Dropped from class means the student is disallowed from participating on any of the platforms, including the corresponding Facebooks groups, course online portal, course emails or call attendance count as participation with the program. IGC reserves the right to send accounts to an internal collections department or an external third-party collections agency. In such case, non-payment, missed payment or late payments could negatively impact a student’s credit history and/or credit score.
