General Conditions of Sale and Privacy Policy

1. Purpose

These General Terms and Conditions of Sale and Privacy Policy (the “Terms”) govern the provision of financial education services delivered by Marie Lagrue, operating under the trade name Money Women Mentor (the “Provider”), to its clients (the “Clients”). The Services include financial education applied to both personal and professional finances, delivered through individual sessions, group programs, workshops, training sessions, and corporate interventions.

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2. Nature of Services

The Provider delivers financial education services designed to support Clients in developing a more informed and autonomous relationship with money. Such services may cover, without limitation, income management, savings, expenses, debt, investments, and behavioral aspects of finance, including financial psychology, archetypes, and inherited beliefs.

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The Services include, but are not limited to, individual sessions, group sessions, workshops, training programs, conferences, and customized engagements. When Services are provided to organizations, including but not limited to companies, institutions, associations, and professional networks (including Employee Resource Groups – ERGs), such Services are delivered strictly for educational, informational, and awareness purposes. They shall not be construed as individualized financial advice or personal coaching for each participant, unless expressly agreed in writing.

The Provider does not provide investment advice, financial advisory services, tax advice, accounting services, or wealth management services, and does not sell financial products.

All Services are provided on a “best efforts” basis. The Provider makes no representations, warranties, or guarantees of any kind, whether express or implied, regarding specific outcomes, financial results, or performance.

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The Client acknowledges that any decisions made based on the Services are taken under their sole responsibility.

For organizational Clients, the Client expressly acknowledges and agrees that:

• the Provider shall not be held liable for any decisions made by participants;

• the Provider shall not be responsible for the internal use, interpretation, or implementation of the content delivered within the organization;

• no employment, HR, or internal policy decisions should be based solely on the Services provided.

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The scope, content, and pricing of the Services shall be described on the website or defined in a separate written agreement, quotation, or statement of work (SOW), which shall prevail in case of conflict.

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3. Orders and Payment

Orders may be placed via the website: www.moneywomenmentor.com.

Payment is due at the time of order and can be made by credit card.

Services subject to a quotation are payable by bank transfer, including any required deposit and the remaining balance.

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4. Services Requiring a Quotation

For professional Clients, the quotation or any related contractual document (including training agreements or service contracts) specifies the terms of delivery, payment, cancellation, and use of content. In the event of any inconsistency, such documents shall prevail over these Terms and Conditions.

Clients wishing to access services requiring a quotation are invited to contact the Provider using the contact details available on the website.

The Provider undertakes to respond promptly and provide a detailed proposal outlining the scope, pricing, and conditions of the requested services.

To confirm the booking following acceptance of the quotation, the Client is required to pay a deposit, as specified in the quotation.

The remaining balance shall be paid upon completion of the service, in accordance with the agreed terms.

Clients are encouraged to carefully review the quotation and its terms before confirming their order.

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5. Cancellation and Right of Withdrawal

The Client acknowledges that financial education services are provided on an immediate and personalized basis, and that their performance begins upon booking and payment, with the Client’s express consent.

Accordingly, the Client expressly waives their statutory right of withdrawal within 14 days, in accordance with applicable consumer protection laws.

This waiver allows the Provider to begin delivering services immediately and ensures service continuity.

By accepting this waiver, the Client agrees that services may commence immediately without the possibility of cancellation or refund, except in cases of force majeure or failure by the Provider to fulfill its obligations.

For services provided to professional Clients, any cancellation made less than fifteen (15) business days prior to the scheduled date may result in the invoicing of 50% of the total amount, and cancellations made less than seven (7) business days prior may result in the invoicing of 100% of the total amount, unless otherwise agreed in writing.

Rescheduling may be offered subject to the Provider’s availability.

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6. Service Delivery

Services are primarily delivered online, with session bookings made through the scheduling system.

Any complaints must be submitted by email within 48 hours.

For on-site or in-person services, the Client undertakes to provide the necessary material and logistical conditions required for proper delivery of the services. The Provider shall not be held liable for any issues arising from the environment provided by the Client.

For in-person services, acceptance of the quotation and payment of a 30% deposit are required prior to delivery.

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7. Confidentiality of Content and Exchanges

The Provider undertakes to maintain the confidentiality of all information shared by the Client during the services. Personal information, including experiences, emotions, opinions, and objectives, will be treated as strictly confidential and will not be disclosed without prior consent.

The Provider guarantees a safe and respectful environment allowing Clients to express themselves freely. The videoconferencing tools used are selected for their compliance and security standards.

In the context of services delivered to organizations, the Provider also commits to maintaining the confidentiality of any information communicated within that framework.

Money Women Mentor retains all intellectual property rights related to the website and all materials provided during the services. By accepting these Terms, the Client is granted a limited right of access to the content and agrees not to reproduce, distribute, or disclose it in any form.

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8. Communication and References

Unless expressly objected to in writing by the Client, the Provider reserves the right to mention the Client’s name and the nature of the collaboration as a commercial reference. No confidential information will be disclosed in this context.

Any recording, capture, or distribution (photo, video, audio) of the services by the Client requires the Provider’s prior written consent.

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9. Personal Data Processing

Personal data collected from Clients is used solely for the purpose of delivering financial education services and managing the client relationship.

Collected data may include names, postal addresses, phone numbers, email addresses, and payment-related information.

This data is for the exclusive use of the Provider. Clients may request deletion of their personal data via their account settings or by contacting marie@moneywomenmentor.com.

Money Women Mentor undertakes not to use personal data for purposes other than those specified herein, nor to share it with third parties without explicit consent, except where required by law.

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10. Dispute Resolution

In accordance with applicable consumer protection laws, consumers may access an out-of-court dispute resolution mechanism via the CM2C consumer mediator, located at 49 Rue de Ponthieu, 75008 Paris, France, reachable at +33 1 89 47 00 14 or via email at cm2c@cm2c.net.

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These Terms and Conditions and Privacy Policy are effective as of 02/01/2024.