Terms and Conditions

Joel Bauer & Associates, Inc. · Effective date: 10/20/2026

1. Enrollment and Payment Options

Participants enrolling in the one-day live online coaching event may select one of the following payment options:

Option A – Pay in Full

·         One payment of $5,000 at enrollment

Option B – Three-Payment Plan

·         First payment: $1,997 at enrollment.

·         Second payment: $1,997 fourteen (14) days after enrollment.

·         Third payment: $1,997 twenty-eight (28) days after enrollment.

·         Total installment purchase price: $5,991.

The participant expressly authorizes the scheduled charges using the payment method provided, subject to applicable payment authorization requirements.

2. Final Sale and Refund Policy

All enrollment purchases are final and nonrefundable, except as expressly provided in these terms or required by applicable law.

The participant acknowledges that enrollment reserves access to a scheduled live online coaching experience, including proprietary educational content, strategies, and instruction.

A participant’s decision not to attend, scheduling conflicts, or dissatisfaction with anticipated or actual business results does not independently create a right to a refund.

3. Installment Payment Commitment

Participants selecting the installment plan agree to pay the full installment purchase price of $5,991, subject to applicable cancellation rights.

The installment plan represents payment toward one event enrollment and is not a subscription or a pay-as-you-go arrangement.

All three (3) installment payments must be completed before the participant receives access to the live coaching event.

4. Failure to Complete Payments

If a scheduled installment is unsuccessful, Joel Bauer & Associates, Inc. may request an updated payment method or other payment arrangements.

Access to the event may be withheld until all required payments are completed, subject to applicable law.

Failure to complete the installment plan does not automatically cancel the participant’s contractual payment obligations, except as required by law or otherwise provided in this agreement.

5. Event Transfers

Requests to transfer enrollment to a future event may be considered at Joel Bauer & Associates, Inc.’s discretion, subject to availability and applicable law.

No automatic transfer or rescheduling entitlement is provided.

6. Company Cancellation

If Joel Bauer & Associates, Inc. cancels the event and does not provide an agreed comparable replacement, all amounts paid toward the event will be refunded and remaining payment obligations canceled.

7. No Guaranteed Earnings

Joel Bauer & Associates, Inc. provides business education, strategies, and coaching. Individual results vary. No specific revenue, income, profit, or business outcome is guaranteed.

8. Applicable Law

Nothing in this agreement waives any cancellation, refund, or consumer protection rights that cannot lawfully be waived.