These Terms and Conditions (“Terms”) govern your (“Client”, “you”) use of and purchases from Dare to Flourish (“we”, “us”, “our”), including any services, programs, journeys, sessions, events, retreats, courses, workshops, memberships, digital products, physical products, and any related materials (together, “Offerings”).

How you accept

You accept these Terms when you:

1.1. sign them (physically or electronically); or

1.2. book, pay for, register for, attend, access, download, or participate in any Offering; or

1.3. make a purchase through our checkout/store or otherwise place an order.

Other documents. These Terms incorporate by reference:

2.1. our Privacy Policy (published separately); and

2.2. our Refunds, Returns, Cancellation and Rescheduling Policy (published separately) (“Refund Policy”).

Order confirmations and schedules. Where we provide an order confirmation, booking confirmation, proposal, invoice, program outline, event listing, retreat pack, or other written particulars (“Schedule”), the Schedule forms part of the agreement between you and us. If there is a conflict, the Schedule will apply only to the extent of that conflict.

Definitions

Key definitions. In these Terms:

3.1. “Heart Healing™” refers to our heart-led healing/coaching process as described on our website or in the relevant Schedule.

3.2. “The Flourish Blueprint” refers to our combined inner growth + financial plan journey as described on our website or in the Schedule.

3.3. “Money Coaching” refers to our one-on-one coaching sessions intended to support your relationship with money as described on our website or in the Schedule.

3.4. “Event” includes any course, workshop, group program, circle, retreat, in-person gathering, or online gathering.

3.5. “Digital Product” includes downloadable/streamed content, templates, recordings, courses, memberships, and other digital resources.

3.6. “Physical Product” includes any tangible product shipped or delivered to you.

Who we are and how to contact us

Dare to Flourish (Pty) Ltd

2025/764375/07

40B Leyds Street Rynfield Benoni

bronwyn@daretoflourish.co.za

General support requests should be sent to the email address or WhatsApp/contact channel specified on our website or in your Schedule.

Scope of our Offerings and important boundaries

Personal growth and coaching nature. Our Offerings are designed as personal growth and money coaching experiences and tools.

Not medical care or emergency services. Unless expressly stated otherwise in writing, our Offerings are not medical, psychiatric, psychological, or emergency services. If you are in crisis or need urgent medical/mental health support, contact emergency services or a qualified health professional immediately.

No guarantees. We do not guarantee specific outcomes. Your results depend on many factors (including your personal circumstances, effort, application, and external conditions).

Financial planning and advice boundary.

4.1. Our “money coaching” and “blueprint” type Offerings are intended as education, coaching, values-based planning, and behaviour/mindset work—not product-specific advice or intermediary services in respect of “financial products.”

4.2. If regulated advice applies: where an Offering includes regulated financial advice/intermediary services, we will state this clearly in writing and provide the required disclosures (including applicable FSCA authorisation details and complaints mechanisms), and the Schedule will include the relevant information.

Client eligibility and capacity

You must be at least 18 years old and have legal capacity to enter into this agreement. If you are under 18, a parent/legal guardian must sign and is responsible for all obligations.

You agree to provide accurate details for booking, communication, participation, and (where applicable) delivery of products.

Bookings, scheduling, attendance, and participation

Booking and scheduling.

5.1. Sessions and programs may be delivered online, in person, or hybrid, as stated in the Schedule.

5.2. You are responsible for ensuring you have the necessary internet access, devices, and a private space (for online sessions).

Punctuality.

If you arrive late, the session may still end at the scheduled time and will be charged as booked unless we agree otherwise.

Participation and conduct.

You agree to engage respectfully. We may remove you from an Event (without refund, except to the extent required by law) if you harass others, disrupt delivery, or breach confidentiality.

Group settings and confidentiality limits

Confidentiality.

6.1. We treat your personal information and session content as confidential, subject to the Privacy Policy and applicable law.

6.2. Group confidentiality limitation: where you participate in group programs/courses/events/retreats, confidentiality also depends on other participants. We will require group ground rules, but we cannot guarantee other participants’ conduct.

We may disclose information if required by law, lawful authority, or where disclosure is necessary to address a serious and imminent threat to life/health.

Fees, payment terms, and payment processing

Fees and currency.

Fees are shown in South African Rand (ZAR) unless stated otherwise and may be subject to VAT where applicable. The total price, what it includes, and any additional costs will be stated in the Schedule, invoice, or checkout.

Payment timing.

7.1. Unless otherwise stated, payment is due in full before access is granted or the service begins.

7.2. If an instalment arrangement is agreed, you must pay each instalment on time. If you miss an instalment, we may suspend access/services until payment is brought up to date.

Payment processors.

8.1. We use third-party payment platforms (including Walletdoc and/or other gateways as stated at checkout) to process payments.

8.2. We do not intentionally store your full payment card details on our own systems where a third-party payment platform is used.

8.3. Your payment is also subject to the payment processor’s terms, privacy practices, and security controls.

Failed payments and chargebacks.

If a payment fails, is reversed, or is charged back and you still received the Offering, you remain responsible for payment. We may suspend access and/or take recovery steps permitted by law.

Digital products, accounts, and access

Account access.

If you create an account on our site, you are responsible for safeguarding credentials and for activity under your account.

Digital access rules.

9.1. Digital Products are licensed to you for personal use only unless the Schedule states a business licence.

9.2. You may not share login details, distribute downloads, or resell or publicly post our Digital Products unless expressly authorised in writing.

Updates and platform availability. We may update Digital Products for improvement. We do not guarantee uninterrupted access due to maintenance or third-party outages.

Shipping and delivery for physical products

For Physical Products, you must provide accurate delivery information. Delivery timelines and charges (if any) will be shown at checkout or in the Schedule.

Risk may pass upon delivery to the address you provide (or collection), subject to applicable consumer protection rights.

Cancellations, rescheduling, returns, and refunds

Refund Policy governs.

All cancellations, rescheduling, returns, and refunds are governed by our Refund Policy (published separately), read together with these Terms.

Nothing in these Terms is intended to unlawfully limit any rights you may have under applicable consumer protection laws.

Intellectual property and permitted use

All course materials, frameworks, documents, videos, audios, exercises, worksheets, and content we provide are owned by us or our licensors and are protected by intellectual property laws.

You receive a limited, non-exclusive, non-transferable licence to use materials for your personal use (or internal business use if expressly agreed) during and after your participation, subject to payment in full and compliance with these Terms.

Client content, testimonials, and marketing permissions

If you share content (questions, reflections, testimonials, comments), you confirm you have the right to share it.

We will not publish identifiable testimonials without your consent. If you consent, you may withdraw consent prospectively (meaning we will stop future use; past publications may take time to remove from circulation).

Safety, risk, and limitation of liability

Personal responsibility. You are responsible for your decisions, actions, participation, and wellbeing during and after the Offerings.

Retreats and physical activities. If an Event involves physical activity, travel, or unusual risks, you must follow safety instructions and disclose relevant constraints. We may require additional waivers/medical forms for specific retreats or activities.

Limitation of liability. To the maximum extent permitted by law, we are not liable for indirect or consequential losses (including lost profits) arising from your use of the Offerings.

Third-party providers. Where we engage third parties (venues, accommodation providers, transport providers, platforms, payment processors), those third parties’ terms may apply and we are not responsible for third parties’ acts/omissions, except where the law requires otherwise.

No exclusion where unlawful. Nothing in these Terms excludes liability that cannot be excluded under South African law.

Force majeure

We are not liable for delays or failure to perform caused by circumstances beyond our reasonable control (including power interruptions, platform outages, acts of God, strikes, government restrictions, or similar events). We will act reasonably to reschedule or provide alternatives where feasible.

Disputes and complaints

Internal resolution first. If you have a complaint, contact us using the details in your Schedule so we can try to resolve it promptly.

Applicable ombud/complaints channels. If your complaint relates to any regulated financial service, the relevant complaint channel may be specified in your Schedule.

Governing law and jurisdiction

These Terms are governed by the laws of South Africa.

The parties consent to the jurisdiction of the courts of South Africa, unless the Schedule specifies an agreed dispute resolution process.

General legal terms

If any provision is found unlawful or unenforceable, the rest remains in effect.

No waiver. Failure to enforce a provision is not a waiver.

Updates

We may update these Terms from time to time. Updated Terms apply from the date posted, but will not retroactively reduce rights for existing paid-up purchases without notice.