Welcome! We look forward to working with you. Please read the following carefully. The purpose of this Agreement is to set forth the details about our Workshops, to give clarity to the respective roles and define how communication will take place so that time spent on our Workshops will be positive, productive, and comfortable.
This Agreement is being made between Heels & Yield Limited of 20/F, V-Point, 18 Tang Lung Street, Causeway Bay, Hong Kong (“Company” or “we” or “us” or “our”) and You, the Client (hereinafter “you” or “your”), each a “Party” and collectively the “Parties”.
This Agreement becomes effective on the date you sign up for our Services online. (“Effective Date”).
The Company conducts Workshops (as defined below) aimed at providing financial coaching services to individuals, particularly women, in the areas of empowering women to manage their own personal finances, wealth and investments while utilizing the Company’s proprietary concepts, tools and programs as set out in this Agreement; and you, as the Client, have expressed a desire to participate in the Standard Workshops in accordance with the terms of this Agreement.
In consideration of the mutual covenants and agreements contained herein, and by you signing up online, both Parties, intend to be legally bound, hereby agree to the following terms:
The Company agrees to perform the following scope of work for the Client (the “Services”):
Workshops Description: We provide five (5) kinds of Workshops which are described below.
MIND OVER MONEY
- Everything you need to know about personal financial management, from creating your vision to developing your own investment portfolio that aligns with your financial goals.
- Cost per person per Workshop (HKD): 5,000
FROM FINANCIAL STABILITY TO FINANCIAL CLARITY
- A personal financial management workshop that is designed to help you achieve financial clarity, and prepare you for life-changing events such as marriage, starting a business or taking a break from work.
- Cost per person per Workshop (HKD): 5,500
GAINING FINANCIAL AFFLUENCE
- This workshop helps you gain financial affluence at your fingertips by helping you to align your investments with your financial goals and with your risk profile, regardless of what products you are already investing (stocks bonds, hedge funds, private equity, ETFs, impact investments, or Fintech).
- Cost per person per Workshop (HKD): 5,000
FINANCING YOUR LIFE TOGETHER (COUPLES WORKSHOP)
- This workshop is designed and customised for couples who are keen to align their financial goals together and come up with a step by step plan to achieve the realistic goals as a couple.
- Cost per couple per Workshop (HKD): 10,000
- Wherever you are on your holistic wealth journey, it’s time to begin embracing all the your money habits, and personalities and be the BEST YOU with your group of girlfriends.
- Cost per person per Workshop (HKD): To be quoted
Further details of our Workshops including who should participate, our goals and specifications, what you could achieve, and date, time and venue of each Workshop can be found on the following link to our website at: https://heelsandyield.com/education/
Private Workshop: Our Private Workshop is a customised group session for a group of attendees. If you have chosen this option, our representative will discuss and customise the details of the Private Workshop with you and all agreed details including date, time and price will be set out in Appendix 1 of this Agreement.
Other than the Private Workshop, each of our Workshops are usually conducted:
- for a duration of 120 mins each; and
- In a class room of 6-10 attendees.
Workshop Facilitators: Angelina Yao and Katrina An are our Workshop Facilitators and both will be working closely with you and the other attendees to undertake your chosen Workshop. We reserve the right to change or replace any Workshop Facilitator at our discretion.
Date, Time and Venue of Workshops: The date, time and venue for each Workshop is indicated on our website. Please do take note of the details of each Workshop you have chosen to attend.
Subject to availability, you may choose any number of Workshops to join by clicking on the “Join Now” button on our website.
Unless terminated earlier in accordance with the terms of this Agreement, the Services shall begin at the date of your first Workshop and shall continue for a fixed term until all Workshops are completed, or no later than three (3) months from the date of the first Workshop, whichever is earlier.
Workshop and content: All of our Workshops and content have been prepared with due care and skill. Our proprietary concepts, tools and programs has been carefully curated and crafted based on our team’s years of professional, financial and wealth enhancing experience. We have designed our Workshops to bring the best financial coaching experience to you.
Your expectations: When you sign up for any Workshop, you can expect that our Workshop Facilitators will:
- Provide the designated number of Workshops as chosen.
- Perform the Workshops in a professional manner with all due care, skill and ability.
- Come prepared for each Workshop.
- Devote their full attention to all attendees including yourself at each Workshop.
- Offer support, encouragement, feedback and guidance.
At any time, if you feel that our Workshop Facilitators do not meet any of the expectations above, please inform us and we will do our best to rectify the situation. We hope that this will never happen.
Our expectations: In order to obtain the full benefit and experience of each Workshop you have chosen, your full participation and time commitment is required. We fully expect you to:
- Show up on time for each Workshop without distractions.
- Come prepared to start and end your Workshop on time.
- Give 100% of your effort and fully commit to the Workshops.
- Come fully prepared to work together with our Workshop Facilitators.
- Use your best efforts to complete any preparatory work we may give you before each Workshop.
- Be open to new ideas and be willing to stretch and grow.
- Ask any questions you may have as they arise.
We also require you to promptly provide payment for each Workshop you have chosen in accordance with the terms of this Agreement.
- Scheduling: Other than the Private Workshop, all of our Standard Workshops are on a fixed schedule which you can view on our website (https://heelsandyield.com/education/standard-workshops/). If you have chosen a Private Workshop, the schedule of the Private Workshop can be found in Appendix 1 of this Agreement.
- Rescheduling or Cancellation: In some rare circumstances, such as sickness of our Workshop Facilitators or typhoon or black rainstorm warning, we may have to re-schedule or cancel that particular Workshop. If that happens, rest assured, we will keep you informed of any changes in writing. If we have to cancel a Workshop, we will provide you with a refund in accordance with our Refund Policy.
a. Costs: Except for the Private Workshop, the cost of each Workshop is set out in Clause 1. The cost of a Private Workshop is set out in Appendix 1.
b. Payment Terms:
- Payment in full is due upon signing up for each Standard Workshop online. Payments are usually processed via our website through your credit card.
- For the Private Workshop, we will send you a payment link to make payment through our payment processor. By making payment online, you have explicitly agreed to abide by our Website Terms and Conditions (https://heelsandyield.com/terms-condition/) and any other terms and conditions imposed by our payment processor, all of which are incorporated by reference into this Agreement.
c. Failure to make payment: For Private Workshops, if for any reason there is a problem with the payment transaction or method, you will be notified by e-mail as soon as possible. You will have two (2) days’ grace period to make payment as requested following our notification to you. During the two (2) days’ grace period, your place at the Private Workshop will be put on hold. If no payment is received after the grace period, this Agreement will automatically terminate and any place held for you at the Private Workshop will be cancelled. Neither the Company nor our Workshop Facilitators will have any further liability to you after the Private Workshop is terminated for failure to make payment.
We intend for you to be happy and satisfied with the services that you will receive at our Workshops. However, because we and our Workshop Facilitators have invested considerable time and effort in preparing for the Workshops, if you have made full payment and then decide to cancel or withdraw from any Workshop for any reason, no refunds will be provided to you.
However, if we are forced to cancel a Workshop in accordance with Clause 6(b), we will provide you with a full refund of the cost of the cancelled Workshop.
Confidentiality: Confidentiality is very important to us. We and our Workshop Facilitators agree to hold and keep all information and personal data shared and exchanged during the term of this Agreement, your participation in the Workshops confidential, and the fact that such information is being provided and/or disclosed, in trust and confidence. Neither we nor our Workshop Facilitators will disclose any information that is shared during the Workshop to anyone else outside the Workshop unless: (1) they have a legitimate reason to know such information, such as a replacement Workshop Facilitator or a member of administrative staff to provide the Services to you, or (2) if or when required by any applicable laws in or outside Hong Kong, or (3) if you have given us or our Workshop Facilitators prior written permission.
We retain all ownership and intellectual property rights to the content, materials, tools, information, data, strategies, formulas, know-how, processes, inventions, licenses, brand name, copyright, trademarks, patents and service marks contained or provided in the Workshops. The Workshop and all its content is provided to you for your individual use only and we hereby grant you a single-user license, which means that you are not allowed or authorized to share, copy, sell, post, distribute, reproduce, duplicate, reverse engineer, trade, resell, exploit, or otherwise disseminate any portion of the Workshop, electronically or otherwise, for business or commercial use, or in any other way for reward or personal gain, without our prior written permission.
You acknowledge that you take full responsibility for yourself and all decisions made before, during and after your Workshops. You agree to accept full responsibility for your choices, actions and results before, during and after the Workshops, and you knowingly assume all of the risks of the Workshops related to your use, misuse, or non-use of the Workshop or any of the Workshop materials. You understand and agree that you are solely responsible for the results (or lack of) that you may or may not gain from the Workshops or from our Workshop Facilitators.
You agree that the Company and our Workshop Facilitators will not be responsible for your physical, mental, emotional and spiritual health, for your financial earnings or losses, or for any other result or outcome that you may experience through the Workshops. Nothing related to the Workshops is intended to be considered medical, mental health, legal, or religious advices in any way. For specific questions related to medical or mental health issues, you should consult your own medical or mental health professional. For specific questions related to your financial, legal or tax situation, you should consult your own attorney, accountant, and/or financial advisor. For specific questions related to religion, spirituality, or faith, you should consult your own clergy member or spiritual healer.
Do not start or stop taking any medications or supplements because of anything you have read or received through the Workshops. If our Workshop Facilitators suggest the consumption or use of any products, it is simply offered for educational and informational purposes only (we do not receive any rebates from any brands). You should always check with your own medical professional before consuming or using any products on, in or near your body in any way. By signing this Agreement, you agree that you are also consenting to the full Disclaimer which can be found on the Company website at https://heelsandyield.com/disclaimer/ and is incorporated by reference into this Agreement.
We have used great care in preparing the information and tools in the Workshops. Nevertheless, the Workshops and content are designed solely to be self-help tools for your own use and are for informational and educational purposes only. There are many factors that influence results, therefore the Company and our Workshop Facilitators make no guarantees of the results (or lack of) that you may or may not experience through the Workshops.
THE COMPANY IS PROVIDING ALL INFORMATION, INCLUDING THE WORKSHOPS AND CONTENT, TO YOU SOLELY ON AN “AS IS” BASIS AND WITHOUT ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, PERFORMANCE, AND FITNESS FOR A PARTICULAR PURPOSE.
Neither the Company, its directors, employees, agents, consultants, contractors, or our Workshop Facilitators can or will be held responsible in any way for the information, services, products or content that you request or receive or read through the Workshops, including any other information that you have received from or through our Workshop Facilitators during the Workshops. You agree to fully and completely hold harmless, indemnify and release the Company, its directors, employees, agents, consultants, contractors, and our Workshop Facilitators from any and all liability, damages, causes of action, allegations, suits, sums of money, claims and demands whatsoever, in law or equity, that you ever had, now have or may have in the future that may arise from your participation in the Workshops, including all services, products, and Workshop materials, to the extent permitted by applicable law.
Either Party can terminate this Agreement at any time by notifying the other Party in writing at least three (3) days in advance. Notwithstanding the termination notice given by either Party under this clause, the terms of Clause 8 (Refund Policy) will apply. Neither the Company nor our Coach will have any further liability to you after this Agreement is terminated save for any accrued rights or remedies to which either Party is entitled to now and in the future.
All correspondence or notices required under this Agreement, whether regarding the Workshops or for administrative issues or to provide feedback to us, shall be made in writing to the email addresses of each Party provided by the Parties.
Should your e-mail address or contact information change at any time throughout the term of this Agreement, it is your responsibility to provide your updated information to us within three (3) days of any change.
This Agreement contains the entire agreement between the Parties. This Agreement may be modified or amended at any time only in writing and agreed and signed by both Parties. You may not assign your rights or obligations under this Agreement to anyone else, and the obligations under this Agreement shall survive indefinitely unless otherwise stated in this Agreement. If we choose to waive or not enforce one or more terms of this Agreement, it does not in any way limit our right to later enforce every or other parts of this Agreement.
This Agreement shall be construed according to the laws of Hong Kong where the Company’s business is located, regardless of the principles of conflict of laws. The exclusive venue for any action, arbitration or other proceeding based on or arising out of this Agreement shall be Hong Kong where the Company is located.
Should both Parties ever have any differences, it is hoped that both Parties shall work them out amiably through e-mail correspondence. However, if both Parties are unable to seek resolution within fourteen (14) days, both Parties agree now that that the only method of legal dispute resolution that will be used is binding arbitration before a single arbitrator, jointly selected by both Parties, unless agreed otherwise in writing. Notwithstanding the terms of this Agreement, you understand and agree now that the only remedy that can be awarded to you through arbitration is the full refund of your Payment made to date. No other actions or financial awards of consequential damages, or any other type of damages, may be granted to you. Both Parties agree now that the decision of the arbitrator is final and binding, and may be entered as a judgment into any court having the appropriate jurisdiction. You also agree that should arbitration take place, it will be held in Hong Kong where the Company’s principal place of business is located, and the prevailing Party shall be entitled to all reasonable attorneys’ fees and all costs necessary to enforce the decision of the arbitrator.
If there is a dispute between the Parties, you agree to not publicly or privately make any negative or critical comments about the Company or its business or about our Workshop Facilitators, or to communicate with any other individual, company or entity in a way that disparages the Company’s business or harms the Company’s or our Workshop Facilitators’ reputations in any way, including on any social media medium. In arbitration or when required by law, of course, you are not prohibited from sharing or disclosing your thoughts and opinions.
By signing this Agreement, we both acknowledge that we have read, understand, agree to and accept all of the terms in this Agreement. Electronic signatures of this Agreement are permitted and enforceable. You agree that you have had the opportunity to ask us any questions prior to signing, and your signature indicates that you are in agreement with all of the terms of this Agreement.