Last updated: 1 September 2026
This Coaching Agreement (“Agreement”) is between Ray Told Me Ltd, trading as RayToldMe (“Coach”), and the individual who accepts these terms and completes the purchase through the checkout (“Client”).
It records the commercial terms of the Client's 1:1 coaching programme, including the programme purchased, total programme price, payment arrangements, delivery, cancellation and termination rights.
Programme
The coaching programme, duration, sessions, support and other inclusions described at checkout, on the applicable offer page and/or in the written programme confirmation provided to the Client.
Total Programme Fee
The total contractual price clearly displayed to and accepted by the Client at checkout, including any expressly applied discount.
Payment Option
Paid in full or through an instalment arrangement made available and selected at checkout.
Contract Acceptance
Required acceptance of these Terms of Service at checkout followed by submission of payment.
Service Commencement
After payment and completion of any required onboarding and immediate-commencement acknowledgement.
By accepting this Agreement at checkout and completing the purchase, the Client agrees to purchase the Programme for the Total Programme Fee displayed and accepted at checkout.
If an instalment arrangement is selected, each instalment is a partial payment towards that Total Programme Fee and is not payment for a separate month, session or subscription period.
Subject to mandatory cancellation or consumer rights and clause 8, stopping participation, failing to book sessions, ceasing communication or cancelling a payment method does not by itself cancel this Agreement or extinguish amounts lawfully due.
The Coach will provide 1:1 mindset and life coaching services as described at checkout, on the applicable offer page and in any written programme confirmation sent to the Client.
Services may include scheduled online video sessions and additional personalised support expressly included in that description or otherwise agreed in writing.
Coaching is a professional personal-development service. It is not therapy, counselling, medical care, psychiatric treatment, legal advice or financial advice. The Client remains responsible for their own decisions, actions and wellbeing and should obtain appropriately qualified professional advice where required.
The Coach is not required to provide any service, session, support channel, deliverable or availability that is not included in the agreed Programme description or subsequently agreed in writing.
The Programme is intended to be delivered over the period stated at checkout, on the applicable offer page or in the written programme confirmation.
This is a delivery framework and does not guarantee that every allocated session will occur on a particular calendar date.
Sessions are delivered by appointment and must be proactively booked and attended by the Client.
Client-caused delays, failure to book, travel, holidays, illness, non-response or other Client scheduling issues do not automatically pause, extend or reset the Programme. Any extension must be agreed in writing by the Coach.
Where the Coach is materially unable to offer the contracted service for a period of time, the Coach will provide a reasonable rescheduling opportunity or extension where appropriate.
A booked session may be rescheduled with at least 24 hours' notice before its scheduled start time.
A request made with less than 24 hours' notice, or failure to attend a booked session, may be treated as a used session and deducted from the Client's allocation, except where applicable law requires a different result or the Coach agrees otherwise in writing.
A session properly treated as used under this clause is not automatically carried over, replaced or refunded.
The Client is purchasing one fixed-price coaching Programme for the Total Programme Fee displayed and accepted at checkout.
By accepting this Agreement at checkout and completing the purchase, the Client expressly agrees to that Total Programme Fee and enters into a binding obligation to pay amounts lawfully due under this Agreement.
If the Coach permits payment by instalments, those instalments are solely a method of paying the Total Programme Fee.
They do not convert the Programme into a monthly subscription, trial, pay-as-you-go service or series of separate monthly purchases.
Instalment dates do not necessarily correspond to the timing or value of individual coaching sessions.
The Total Programme Fee reflects the overall coaching engagement, including onboarding, preparation, reserved coaching capacity, scheduled sessions, agreed support and the Coach's commitment to make the contracted service reasonably available during the Programme.
Subject always to any statutory cancellation, withdrawal, refund or termination right that cannot lawfully be excluded, the Client does not cancel the Agreement merely by:
stopping attendance;
failing to book sessions;
ceasing communication;
choosing not to use available services; or
cancelling or replacing a payment method.
Amounts that have already fallen due remain payable.
Any liability for future amounts following a valid early termination is determined under clause 8 and applicable law.
An instalment arrangement is not a unilateral right to convert the Programme into month-to-month coaching or to end the Agreement simply by stopping future payments.
The Total Programme Fee is the total price displayed to and accepted by the Client at checkout immediately before purchase.
The Client agrees to pay that price using the payment option selected at checkout.
The checkout confirmation, invoice, receipt and/or payment-plan confirmation identifying the Programme, Total Programme Fee, selected payment method and applicable due dates are incorporated into this Agreement.
Where a Coach-administered instalment arrangement is selected, the Client authorises the relevant payment processor to collect the agreed instalments on the dates or cadence shown at checkout or in the payment confirmation, up to but never exceeding the Total Programme Fee unless the Client separately authorises another charge.
Where a third-party finance or buy-now-pay-later provider finances the purchase, that provider's separate credit or payment terms may also apply.
The Coach may accept payment through Stripe, PayPal, Klarna or another disclosed payment processor.
A failed, blocked, reversed or cancelled payment does not by itself terminate this Agreement.
The Coach may pause future services while an undisputed payment is materially overdue, provided doing so is lawful and reasonable in the circumstances.
Nothing in this Agreement removes or restricts any cancellation, cooling-off, withdrawal, refund, repeat-performance, price-reduction or other consumer right that applicable law says cannot be excluded.
Where the Client is legally entitled to a statutory cancellation or withdrawal period for a distance service contract, that right applies for the period and on the terms required by the law applicable to that Client.
For many UK and EU/EEA consumer distance contracts this period is generally 14 days from conclusion of the service contract, but local rules and exceptions can differ.
A Client wishing to exercise an applicable statutory cancellation or withdrawal right should notify the Coach clearly in writing using the contact details provided by the Coach.
UK consumers: Where the statutory right to cancel applies, the prescribed cancellation information and model cancellation form are available at:
legal.raytold.me/cancellation
and will be supplied with the Client's contract confirmation.
Where another jurisdiction requires equivalent cancellation or withdrawal information to be supplied, the Coach will provide the information required by that applicable law.
Where applicable law requires an express request before services begin during a statutory cancellation or withdrawal period, the Coach may require the Client to provide that request through the onboarding process before substantive coaching begins.
Where permitted by law, if the Client then cancels after performance has begun, the Client may be required to pay a proportionate amount for services supplied up to cancellation.
Where the law provides that a cancellation right is lost after full performance, that loss occurs only when the legal conditions for it are satisfied.
After expiry of any applicable statutory cancellation period, fees are non-refundable for services properly supplied, sessions validly treated as used and other amounts that are lawfully due under this Agreement.
A Client's change of mind, non-attendance or decision not to use services that remain reasonably available does not of itself create a right to a refund.
This clause does not affect any right the Client may have if the Coach materially fails to provide the contracted service, fails to exercise a legally required standard of care and skill, or where applicable law otherwise requires a refund, repeat performance, price reduction or other remedy.
Any refund offered purely as goodwill does not constitute an admission of liability and does not alter these terms for any other payment or Client unless expressly stated in writing.
The Client is responsible for:
booking and attending sessions and communicating scheduling issues promptly;
participating honestly in the coaching process and making their own decisions about implementation;
maintaining suitable internet access and equipment for online calls;
providing accurate contact, billing and payment information where required; and
using coaching materials only for the personal purposes permitted by this Agreement.
The Client understands that the value of coaching depends substantially on engagement and implementation.
The Coach is not responsible for outcomes caused by the Client's non-participation, failure to act or decisions taken outside the coaching relationship.
Either party may terminate the coaching relationship by written notice, subject to this clause and any mandatory rights under applicable law.
If the Client chooses to terminate after any applicable statutory cancellation or withdrawal period and the Coach is not in material breach, the Client remains responsible for:
amounts properly due for coaching, support and services already supplied or validly treated as used;
reasonable, non-recoverable costs and losses actually caused by the early termination, including genuinely reserved coaching capacity that cannot reasonably be reallocated; and
any other amount that is lawfully recoverable under applicable contract and consumer law.
These amounts will be reduced by costs reasonably saved and losses reasonably mitigated by the Coach.
The total amount payable because of early termination will never exceed the unpaid balance of the Total Programme Fee accepted by the Client at checkout.
For clarity, stopping participation or cancelling a payment method does not automatically determine the amount lawfully due.
The parties' financial position on early termination is determined under this clause and applicable law.
The Coach may terminate for material non-payment, abusive or threatening conduct, serious breach of this Agreement, or conduct that makes the coaching relationship unsafe or unworkable.
Where termination results from the Client's material breach, the Client remains responsible for amounts lawfully due under this Agreement.
If the Coach terminates for convenience and not because of Client breach, the Coach will refund any prepaid amount attributable to services that will not be provided, to the extent required by applicable law.
Where reasonably capable of remedy, a party alleging material breach should give the other party a reasonable opportunity to remedy it before terminating, unless immediate termination is reasonable because of the seriousness of the breach or applicable law provides otherwise.
The Client understands that coaching outcomes are not guaranteed.
Results depend on personal circumstances, effort, implementation and factors outside the Coach's control.
No testimonial, example, discussion or marketing statement constitutes a promise of a specific outcome unless expressly stated as a contractual guarantee in writing.
Coaching communication may take place by video call, email, messaging platform, scheduling system or another agreed channel.
Relevant communications and service records form part of the evidence of Programme delivery.
To the extent permitted by applicable privacy and data-protection law, the Coach may retain reasonable business records including:
checkout acceptance records;
invoices;
payment records;
onboarding information;
booking records;
attendance information;
session dates;
communications;
resources supplied; and
records showing access to or delivery of the service.
Such records may be used for administration, accounting, legal compliance and the handling of payment disputes, complaints or legal claims.
The Client is encouraged to contact the Coach promptly if they believe a payment is incorrect or the service has not been provided as agreed, so the parties have an opportunity to resolve the issue directly.
Nothing in this clause prevents the Client from exercising a statutory right or a right available through a card issuer, bank, PayPal, Klarna or another payment provider.
Starting a payment dispute or chargeback does not, by itself, constitute contractual notice of cancellation or termination unless applicable law requires otherwise.
If the Client wishes to cancel or terminate the Agreement, the Client should separately give notice under clause 5 or clause 8 as applicable.
Where a payment dispute is raised, the Client authorises the Coach, to the extent lawful and reasonably necessary, to provide the payment provider or financial institution with this Agreement and relevant evidence of:
the transaction;
electronic acceptance;
communications;
onboarding;
service access;
bookings;
attendance; and
service delivery.
Any worksheets, frameworks, recordings, documents, videos or other materials supplied by the Coach remain the Coach's intellectual property unless expressly stated otherwise.
The Client receives a personal, non-transferable licence to use them for their own private development.
The Client must not reproduce, sell, publish, distribute or commercially exploit those materials without written permission.
The Coach will treat information shared in coaching as confidential subject to applicable law, reasonable business administration and circumstances in which disclosure is legally required or reasonably necessary to address a serious safety or legal concern.
Coaching is not a legally privileged relationship.
The Client must not record a session without the Coach's prior consent.
The Coach will not record a session without the Client's prior consent, unless a separate lawful recording arrangement has been agreed.
Nothing in this Agreement excludes or limits liability that cannot lawfully be excluded, including any mandatory consumer right or liability for fraud or other liability that applicable law does not permit the parties to exclude.
Subject to the previous paragraph, the Coach will not be liable for indirect or consequential loss that was not reasonably foreseeable when the Agreement was made.
Any other limitation applies only to the fullest extent permitted by applicable law.
Neither party is responsible for delay or failure caused by events genuinely outside that party's reasonable control, provided the affected party takes reasonable steps to minimise the disruption.
The parties will use reasonable efforts to reschedule affected coaching where appropriate.
The parties choose the laws of England and Wales to govern this Agreement, except to the extent that mandatory law applicable to the Client cannot lawfully be displaced by that choice.
If the Client is a consumer resident outside England and Wales, nothing in this Agreement is intended to deprive the Client of mandatory consumer protections that apply in the Client's country, state, province or territory and cannot lawfully be waived.
This includes, where applicable, mandatory distance-contract, cancellation, service-quality, unfair-contract-term and refund rights.
The courts of England and Wales have non-exclusive jurisdiction, subject to any mandatory right the Client has to bring or defend proceedings in another court or forum.
The Client is not required to provide a handwritten or separately drawn electronic signature for this Agreement.
By selecting the required checkbox confirming acceptance of these Terms of Service and then completing or submitting the purchase through the checkout, the Client confirms that they have had the opportunity to read this Agreement and agree to be legally bound by it.
In particular, by completing checkout the Client confirms and agrees that:
the Total Programme Fee is the total price displayed to and accepted by the Client at checkout immediately before purchase; and
where an instalment arrangement is selected, the instalments are only a method of paying that Total Programme Fee and are not a monthly subscription or separate month-to-month purchases.
The Agreement becomes binding when the Client submits the purchase and payment is accepted or otherwise confirmed by the relevant payment processor, subject always to any statutory cancellation or other mandatory right that cannot lawfully be excluded.
This Agreement, the checkout and/or offer description, the selected payment option and any written Programme confirmation expressly incorporated into the transaction constitute the entire agreement concerning the Programme and supersede prior discussions on the same subject, except that nothing excludes fraud or any representation that cannot legally be excluded.
Any material change to the Programme price, payment schedule or service scope must be agreed in writing.
If a term is unlawful or unenforceable, it will be interpreted or severed only to the minimum extent necessary and the remainder will continue where legally possible.
A failure to enforce a term once is not a permanent waiver.
Electronic acceptance records, transaction records and counterparts may be retained and treated as evidence of agreement to the extent permitted by law.