Last updated: July 10, 2026
Welcome to the Business By Design Coaching Program. These Group Coaching Terms & Conditions (“Terms”) are between you (“Participant,” “Client,” “you”) and Nicole Laino, doing business as Nicole Laino Coaching (“Company,” “Coach,” “we,” or “us”). By purchasing or participating in the Program, you agree to these Terms. They are binding as of the date you purchase or access our products or services.
Scope of Services
The Program begins when your first payment is made and, unless stated otherwise at enrollment, includes for 12 months: access to all Business By Design coaching calls; members-only private group access; the Business By Design digital course library; a private Human Design Foundation Reading; a private Human Design Business Reading; Messaging By Design and a private messaging call; and access to the other paid programs and events we run during your membership (excluding in-person events and masterminds).
Payment & Billing
By providing a payment method, you represent that you are authorized to use it and you authorize us to charge it for all fees relating to the Program. Unless stated otherwise, all fees are in USD.
Participant Responsibilities
Group sessions start on time and, because they involve other participants, cannot be rescheduled or made up if you are late or absent. Please join a few minutes early. Any pre-work assigned will improve your experience. You are solely responsible for creating and implementing your own decisions, actions, and results.
Nature of Coaching
Coaching is a collaborative, educational relationship. It is not therapy, counseling, or medical, mental-health, financial, or legal advice, and it does not diagnose or treat any condition. It is not a substitute for professional care. If you are under the care of a licensed professional, please continue that care and inform them of the coaching relationship as appropriate. If you are in crisis, contact emergency services (in the US, 911 or 988).
Communication
We are generally available Monday–Friday, 9 a.m.–5 p.m. CST. Coaching communication happens through the Business By Design Telegram group or by email (for billing and technical questions). We do not provide coaching support through social media direct messages or other channels. Additional 1-on-1 calls can be scheduled at a discounted rate of $400 per hour for participants; private messaging outside the group is not included.
License & Intellectual Property
We grant you a limited, non-transferable, non-exclusive, revocable, personal-use license to participate in the Program and use its materials for yourself only. Sharing, copying, reproducing, modifying, publishing, selling, or distributing Program materials is prohibited (you may print materials for personal use with notices intact). Each additional team member needs their own license. We retain all rights, title, and interest in the Program and its materials, and you may not use them to train any AI model.
Independent Relationship
Nothing in these Terms creates a partnership, joint venture, employment, agency, or fiduciary relationship between you and the Company. Each party is independent and responsible for its own obligations.
Confidentiality
Both the Coach and each Participant agree to protect Confidential Information shared in the Program, to use it only in connection with the Program, not to use it in any way detrimental to any participant, and to disclose it only on a need-to-know basis. These obligations survive termination.
Consent to Use
By submitting reviews, images, comments, testimonials, or tags on any platform, you grant us a commercial license to use them for reasonable future business use, including your name and any publicly shared information, in our marketing and materials. You may withdraw consent for future use by emailing support@nicolelaino.me.
Disclaimer
Group coaching facilitates discussion, goal-setting, and clarity in a group setting; it is distinct from consulting. Under no circumstances will the Coach provide therapy or psychological, medical, financial, legal, or other advice requiring licensure. We are not responsible for damages resulting from your participation.
No Warranties & No Guarantees
We provide our services and materials on an “as-is” and “as-available” basis, without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee any specific result, including any financial or business outcome. Materials are for educational and informational purposes, and you are responsible for how you apply them.
Return Policy
Due to the highly customized nature of group coaching, we do not offer returns or refunds, and no modifications to your purchase are granted once made. This applies except where a refund or cancellation right is required by applicable law, in which case those rights apply.
Subscriptions & Payment Plans
When you purchase on a payment plan or subscription, you authorize recurring charges until the subscription ends and all fees are paid. Keep a valid payment method on file. Recurring payments are billed on the initial purchase date and the same day of following months. If a payment fails, we will make up to 4 additional attempts over the following 3 weeks; if the final attempt fails, we may suspend or revoke access until fees are paid, and unpaid balances 90 days past suspension may be referred to collections.
Cancellation for Default
You are committed to complete all payments for the 12-month term you selected at enrollment. If you fail to make any payment when due and do not cure within 30 days, or fail to make any two payments on time, we may terminate your participation on written notice to the email you provided.
Upon such termination, you agree to pay, as liquidated damages representing a reasonable estimate of our loss (and not as a penalty), the remaining unpaid balance of the total Program Price you committed to at enrollment (US $11,000), less amounts already paid. Because the full Program — including all 1:1 offerings — is made available to you at the start of the term, this amount reflects the agreed value of what you contracted to receive. This sum is due immediately, and you authorize us to charge the payment method on file. We will have no further obligations following termination.
Chargebacks
By attempting a chargeback, you agree to pay the full cost of your original purchase plus any fees or costs we incur. We may present these Terms to your financial institution or any investigating party regarding the dispute.
Promotions & Store Accuracy
We may offer promotions from time to time; they are not guaranteed to be available at any given moment, may change at our discretion, and are not applied retroactively to prior purchases. Website content may occasionally contain errors or be out of date, and we may change prices, specifications, and availability at any time.
Age & Authority
By enrolling, you warrant that you meet all legal age requirements in your jurisdiction to use the Website and purchase the Program.
Termination of Use
We may terminate or restrict your access to the Website or the Program at any time. You remain responsible for charges incurred before termination. We may change, discontinue, or suspend the Website at any time without notice.
Limitation of Liability
To the fullest extent permitted by law, the Company will not be liable to you or any third party for any indirect, incidental, consequential, special, punitive, or exemplary damages, or for lost profits, revenue, data, or goodwill, arising out of or relating to your use of our website, products, or services, even if advised of the possibility of such damages. This does not affect any liability that cannot be excluded or limited under applicable law.
Maximum Damages
Our entire maximum liability and your sole remedy for any claim shall be limited to the actual amount you paid to the Company for the Program.
Governing Law & Dispute Resolution
These Terms and the parties’ relationship are governed by the laws of the State of Texas, without regard to conflict-of-laws rules, except where your local mandatory consumer-protection law provides otherwise.
Informal resolution first. Before starting arbitration, you agree to email support@nicolelaino.me describing the dispute and to give us 30 days to resolve it informally.
Binding arbitration. Except as stated below, any dispute, claim, or controversy arising out of or relating to these Terms or your purchase will be resolved by final and binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The arbitration will be held in Travis County, Texas, or by videoconference at the consumer’s option. Judgment on the award may be entered in any court with jurisdiction.
Class-action waiver. You and the Company each may bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, or representative proceeding. The arbitrator may not consolidate more than one person’s claims.
Small-claims carve-out. Either party may instead bring an individual claim in a small-claims court of competent jurisdiction, so long as it remains in that court and proceeds only on an individual basis.
Equitable relief. Nothing here prevents either party from seeking injunctive or equitable relief in court to protect intellectual property or confidential information. If the class-action waiver is found unenforceable as to a particular claim, that claim alone will proceed in court. This section does not apply to the extent prohibited by your local mandatory consumer law.
Force Majeure
We will not be liable for any failure or delay caused by circumstances beyond our reasonable control, including acts of God, natural disasters, fire, flood, cyber attacks, terrorism, civil unrest, epidemic or pandemic, labor disputes, supply-chain or telecommunications failures, or power outages.
Changes to These Terms
We may update these Terms from time to time. The “Last updated” date shows the latest version. Changes are effective when posted, and your continued use or participation constitutes acceptance of the updated Terms.
Notices
We may provide notice to you by emailing the address you provided or by posting to the website. Email notices are effective when sent; posted notices are effective when posted.
Severability & No Waiver
If any provision is held invalid or unenforceable, the remaining provisions stay in effect. Our failure to enforce any right or provision is not a waiver of it.
Transfer & Assignment
You may not transfer or assign your rights under these Terms without our prior written consent.
Entire Agreement
These Terms, together with any document they reference, are the entire agreement between you and the Company regarding their subject matter and supersede all prior agreements. The Company reserves all rights not expressly granted.
