Terms & Conditions 

Terms and Conditions of Business

Growmybiz Limited, trading as Co.OfWomen (“we”, “us”, “our”) is a research-led leadership and performance organisation.

We design and deliver a comprehensive ecosystem of memberships, diagnostics, programmes, coaching, consulting, and facilitated experiences, grounded in our proprietary Operating System, to equip women to rise, sustain, and lead in complexity across business, organisational, and professional contexts.

These Terms and Conditions apply to all offerings provided by us to you and exclude all other terms or conditions contained in any purchase order, confirmation of order, or similar document issued by you.

These Terms may be varied from time to time. The current version is available at https://www.coofwomen.biz/.

1. Acceptance of Terms

1.1 These Terms form the basis of our working relationship. By participating in any session, programme, event, membership, or by purchasing any product or service from us, you are deemed to have accepted these Terms unless you notify us in writing prior to participation or purchase.

1.2 Programmes: Acceptance into any learning, coaching, or growth programme is subject to application and approval in the manner outlined on our website or associated materials.

1.3 Membership: Acceptance of your membership application constitutes an offer by us to provide access to the tools, resources, services, and experiences outlined at the time of offer. Membership inclusions are as described on our website and related materials and may change over time.

1.4 Acceptance of our offer occurs upon payment of the full price (or first instalment where applicable) within the timeframe specified. Failure to pay may result in suspension or termination of access and recovery of outstanding amounts.

1.5 Digital Products: For online purchases, these Terms apply from the moment you submit an order or authorise us to process payment on your behalf.

2. Our Responsibilities

2.1 We aim to provide relevant, high‑quality resources and development experiences aligned to professional and business growth, delivered using best‑practice approaches.

2.2 While we do not guarantee specific outcomes, we will use reasonable endeavours to support you within the scope of the services you have purchased. Responsibility is not accepted for failure to achieve self‑defined goals.

2.3 All information provided is general in nature. You are responsible for assessing the suitability and applicability of any strategies or insights prior to implementation.

3. Your Responsibilities

You agree to:

• Pay all fees in accordance with invoices and agreed payment terms

• Participate respectfully and professionally within the community

• Actively engage in your learning and development

• Implement learning to the best of your ability

• Maintain confidentiality of information shared by others

• Not copy, reproduce, or distribute materials without written permission

• Provide accurate and relevant information to support effective engagement

4. Confidentiality and Intellectual Property

4.1 Confidential Information includes all non‑public information disclosed during programmes, events, coaching, or community interactions.

4.2 We will treat your confidential information with care and confidentiality.

4.3 You agree to maintain confidentiality of information relating to us and other participants.

4.4 All intellectual property, know‑how, materials, frameworks, and systems developed or provided by us remain our exclusive property unless expressly stated otherwise in writing.

4.5 While all participants are bound by confidentiality obligations, we do not accept liability for breaches by other participants in group settings.

4.6 Copyright in all materials provided vests in us. Materials may be used for personal or internal business purposes only and must not be shared, stored, or exploited without permission.

5. Price and Payment

5.1 Prices are as advertised and may change from time to time. GST applies unless stated otherwise.

5.2 Membership payments are processed securely via third‑party providers.

5.3 Payment is required in full prior to commencement unless otherwise agreed in writing.

5.4 12‑Instalment Membership Payments:

• Payments are charged monthly on the anniversary date via credit card

• Sufficient funds must be available

• Failed payments may void the instalment plan

• An administration fee of $50 + GST may apply per failed payment

5.5 Late or unpaid amounts may result in suspension, termination, interest charges (10% p.a.), recovery costs, and withdrawal of access.

6. Cancellation and Changes

6.1 Events

• Cancellations may be credited to a future event or refunded less an administration fee (minimum $50 + GST)

• If we cancel without rescheduling, a full refund will be provided

• Force majeure cancellations will be credited or refunded less administration fees

6.2 Programmes

• More than 21 days’ notice: refund less $200 + GST

• Within 21 days: credit only

• No refunds after commencement; transfer to a future programme may be offered

• Payment plans remain payable in full

6.3 Membership

• Membership runs for 12 months from activation

• Early termination is not available once commenced

• Membership auto‑renews unless cancellation is received prior to renewal

6.4 Coaching / Momentum Sessions

• 72 hours’ notice required for changes

• Missed sessions may incur a $80 + GST fee

7. Delivery of Services

7.1 Dates, formats, facilitators, and content may change where reasonably required.

7.2 No refunds are provided for rescheduled services where alternatives are offered.

8. Termination

8.1 We may suspend or terminate access for repeated non‑attendance or breach of these Terms.

8.2 No refunds apply where termination occurs due to breach.

9. Liability

9.1 Services will be delivered with reasonable care and skill.

9.2 Liability is limited to the maximum extent permitted by law and capped at the amount paid for the relevant service.

9.3 We are not liable for indirect or consequential loss.

10. Privacy

10.1 Personal information is handled in accordance with the Privacy Act 2020.

10.2 Information may be used for service delivery, communication, and enforcement of these Terms.

11. Assignment

Participation is personal and non‑transferable without written consent.

12. Governing Law and Dispute Resolution

12.1 These Terms are governed by the laws of New Zealand.

12.2 Disputes will be resolved by good‑faith negotiation, then mediation administered by AMINZ where required.