Terms and Conditions

The Imajaenation Company Service Terms

The terms and conditions below apply to all coaching provided by The Imajaenation Company (“the Coach”) to any individual or organization ("the Client") and constitute the contract for the service to be provided by the Coach for the Client. The term 'coaching' covers life coaching, Spiritual coaching, career coaching, relationship coaching, leadership training and coaching, personal coaching, retirement coaching, health & wellness coaching, youth coaching for Clients, credit counseling and solutions, and where applicable includes mentoring or supervision services provided by the Coach or others.

In return for the fees payable by the Client (or by a third party on their behalf), the Coach agrees to provide the service as described below and in accordance with the terms and conditions set out below. The Client agrees to pay fees for the service on the terms and conditions set out below (in situations where a third party pays the fees, the third party counts as an agent acting on behalf of the Client).

The date that the first paid coaching session takes place shall be deemed the start date for the service. Participation by any individual in the first paid coaching session constitutes acceptance of these terms and conditions.

Terms and Conditions

Format of Sessions: Telephone/Video Chat coaching sessions or other format as agreed. The Coach is responsible for contacting the client via telephone or zoom call (as agreed), and the Client is responsible for ensuring that s/he is available for consultation at the agreed time.

Length of Each Session: The session duration can be viewed on the Imajaenation Company website. Sessions are typically 50-60 minutes, depending on what service is selected by the client.

Initial Number of Sessions to be provided: One evaluation session is needed to identify the client’s needs. An evaluation session must be completed prior to The Coach providing any additional ongoing services. The client may choose to enter into monthly sessions to execute the plan. We recommend a minimum of 2 sessions per month for three months minimum. Following the three-month minimum, we recommend coaching to continue on a month-to-month basis for at least 7 months.

Per Session Fee: In accordance with the Coach's current per session fee or fee for a program of sessions, or any other such fee, the fee for sessions offered can be viewed and scheduled by the client on The Imajaenation website. Packaged deals can be discussed with the Coach.

Number of sessions for which payment is required in advance: To be agreed before coaching sessions commence.

Additional Sessions

The Coach may agree to provide additional coaching sessions after completion of the initial agreed session(s). These terms and conditions will apply to any additional sessions so provided and the Per Session Fee will remain the same as originally agreed except where the Coach notifies the Client in writing by letter or e-mail of a change to the Fee or to any other term or condition in accordance with the section in these terms and conditions headed “Variation of Terms and Conditions”.

Dates and Times of Sessions

The date and time of the first session and any subsequent session will be scheduled by the Client on The Imajaenation Company’s online platform. Our website allows the Client to select the time, date and service in which the Client is interested in scheduling. Once the service has been selected, the Client will be prompted to pay the deposit in order to hold the date. The client will receive a receipt via email. The client will receive another email that will request the remaining balance for the scheduled session the day before appointment. The remaining balance must be paid prior to the scheduled appointment. If the remaining balance is not paid at least 1 hour before the scheduled appointment, the scheduled appointment will be cancelled, and the deposit will be forfeited. Sessions can only be rescheduled in accordance with the section in these terms and conditions headed “Rescheduling Sessions.”

Payment Terms

Fees can be paid online by debit or credit card or by cashapp, venmo, and paypal which will be provided on the invoice. Where receipts are requested by the Client, they will be sent by e-mail unless otherwise requested.

Fees are payable in advance of each coaching session unless otherwise agreed. Where payment has not been received by the Coach in advance of a coaching session the Coach is not obliged to provide the session.

The Imajaenation Company has a no refund policy as a way of honoring the client’s commitment to personal development, informed decision-making, and accountability.

Between Sessions

The Coach may assign the Client tasks or exercises to complete between coaching sessions. There is no obligation on the Client to complete these items of ‘homework’, but not doing so may slow the Client's progress in gaining improved quality of life or achieving desired business or personal outcomes.

Where possible, Clients are requested to submit any information requested by The Coach relating to assignments at least 24 hours before the coaching session. This will allow both the Client and Coach prepare for the session. The Coach may provide feedback on completed assignments.

The Client may contact The Coach by phone or e-mail between sessions to seek clarification regarding anything arising from a coaching session or for administrative purposes (e.g. how a Client reschedules a coaching session or make a payment). Additional coaching can also be provided between sessions. There may be an additional charge for this. The Coach will always advise a Client in advance if the nature of a Client's contact is likely to incur an additional charge and no such charges will be imposed without the Client's agreement.

Rescheduling Sessions

If a Client needs to reschedule a coaching session, they may do so by providing 24 hours notice in advance of the session and making up the session within a week of the originally scheduled date. No refunds will be given to Clients for unused coaching sessions. In exceptional circumstances the Coach may need to reschedule a coaching session. In those instances, s/he will also give the Client 24 hours’ notice where practical.

When a Client pays for a session or sessions in advance they must have the coaching session(s) that they have paid for within the agreed amount of time (1-3 months) or their payment for services is forfeited.

Confidentiality

Personal information or business information supplied by Clients in coaching sessions will be treated as confidential. It will not be disclosed to a third party without the Client's prior permission, saved where required by law or where action might be necessary to prevent harm to the Client or someone else. Early termination in exceptional circumstances, such as inappropriate behavior by the Client, actual or potential conflict of interest, or other reasons, the Coach can decide to terminate the service to the Client early or refuse or be unable to provide further coaching sessions to the Client. In such a circumstance the Client will be given reasonable notice of termination by the Coach where practicable and will be refunded any advance payments made for coaching sessions not yet provided.

Responsibilities

The Coach will seek to enable the Client to improve his/her self-esteem, quality of life, and to achieve the desired outcome(s). Remarkable results can be achieved where Clients follow a clear plan in a committed way. However, the Client has sole responsibility for taking important decisions in their life or business. The Coach has no liability for any loss incurred by any Client, whether financial or otherwise, following commencement of coaching sessions, or for any perceived failure by the Client, whether justified or otherwise, to achieve a material improvement in quality of esteem, life, business or to achieve their desired outcomes or goals.

Variation of Terms and Conditions

Where an Initial Number of Sessions is agreed, any changes to these terms and conditions intended to take effect prior to the conclusion of those Initial Number of Sessions will only have effect if agreed by both the Coach and the Client and confirmed by the Coach in writing by email. In other cases, the Coach may change any of these terms or conditions including the Per Session Fee by giving the Client two weeks' notice in writing by e-mail of the change(s). If following receipt of such notification of change, the Client no longer wishes to proceed with further coaching sessions, s/he may withdraw from the service immediately by giving notice in writing by email. The Coach will determine if the Client is entitled to a refund and if so, how much. Such notice will be effective on receipt by the Coach.

Governing Law

This contract is governed by the law of Pennsylvania whose courts have exclusive jurisdiction in relation to any dispute, disagreement, proceedings or legal claim of any nature relating to the service provided or the contract.

Credit Solutions & Counseling

In order to begin the process of improving your credit rating, you must send us the following via   email prior to scheduled evaluation appointment. Documents must be received no later than 24 hrs before your scheduled appointment.

• Copy of utility bill with your name

• Government issued ID.

• SSN Card or a copy of a pay stub

Need Copy of Credit Report? You can get from one of these online services

www.annualcreditreport.com

www.creditchecktotal.com

www.privacyguard.com

www.identityguard.com

There is a one-time charge of $225.00 for individuals and $400.00 for couples for first month and set up. The fee includes a detailed review of each of your 3 major credit reports. The goal is to evaluate each individual plan of attack that will give us the greatest opportunity for success.

There will be a monthly service fee of $100 per person for ongoing credit repair services if that service has been requested.

While going through the credit repair program please remember:

1. Do not send anything to or talk to the Credit Bureaus while we are working on your file unless instructed otherwise.

2. Do not send anything or talk to your Creditors while we are working on your file, unless instructed otherwise.

3. Mail ALL correspondence from Creditors and the Credit Bureaus to us when you receive it in the mail. If you do not receive these updates, it is your responsibility to contact us and tell us you haven’t received it. You will receive updated credit reports and other types of correspondence from the credit bureaus within 30-45 days. If we do not receive your credit reports in a timely fashion, we cannot work on your credit files, which will delay your progress.

Correspondence with Creditors

Do not talk to creditors unless you intend to pay your balances owed in full. We suggest you retain our services to settle each unpaid collection account. We have extensive experience in getting collection agencies to agree to delete the account from the credit report with payment. At a minimum, the best possible settlement will be negotiated.

This agreement is in response to the undersigned (Hereby referred to as "the Client(s)") desire to hire The Imajaenation Company. By signing the agreement, "the Client(s)" agrees that they read and fully agree with all terms contained in this contract. This agreement covers all representations made by TIC and "the Client(s)" and can only be modified in writing by both parties. If "the Client(s)"has any addendums or changes, "the Client(s)" must contact us with modifications before signing this contract.

When hiring The Imajaenation Company for our Credit Repair Services:

-You understand that we do not keep copies of all of the paperwork you forward to us. Due to confidentiality and security reasons, a very limited amount of information is kept in your physical file. All other paperwork is shredded. It is your responsibility to keep copies of any paperwork that you may want to reference at a later date.

-You understand that you should not send original court documents or collection notices to us. Only send copies of documents that will support your case (i.e. proof of payment, court dismissal documents, etc.). We are not acting as your legal guardian in any way and it is your responsibility to seek outside legal assistance if the need ever arises for an Attorney needed to protect your rights.

CREDIT REPAIR ORGANIZATIONS ACT

SEC. 405. DISCLOSURES.

(a) Disclosure Required. Any credit repair organization shall provide any consumer with the following written statement before any contract or agreement between the consumer and the credit repair organization is executed:

Consumer Credit File Rights under State and Federal Law

You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any ''credit repair'' company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.

You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.

You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations. You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it.

Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.

You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.

If the credit bureau's reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you. The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact: The Public Reference Branch Federal Trade Commission Washington, D.C. 20580'.

For Ongoing Credit Repair Services

The Client gives The Credit Specialist Permission to work on the Client’s behalf. The Coach will therefore become “The attorney-in-fact”. The attorney-in-fact shall have the power to act in the Client’s behalf, place and stead in any way which the client could do themself with respect to the following matters to the extent permitted by law:

The power to: Act on Client’s behalf in negotiating payment terms with creditors and also the power to submit letters on Client’s behalf to all credit bureaus and receive documents that relate to Client’s credit and credit history; that shall include credit reports, prior dealings with creditors and settlement offerings made by creditor.

Feedback

Feedback about the service is welcomed and can be given during a coaching session or by writing to The Imajaenation Company at P.O. Box 1166, Glenside, PA 19038.