Terms + Conditions


Please read thouroughly


a)     I offer educational services. These sessions are coaching sessions for your planning, education, and motivation. I represent and by signing this agreement, you acknowledge that you understand and agree that these coaching sessions are not psychological counseling, relationship counseling, financial advising, estate planning nor any other type of counseling or therapy sessions.

b)    In addition, by signing this agreement, you acknowledge that my coaching services are not financial advisors nor am I a broker/dealer. No content provided by either the coaching or coaching course materials are intended as a financial advice and I do not recommend any particular investment.

c)     If you feel you need professional counseling or therapy, it is your responsibility to seek the help of a licensed professional.


a)     Cancellation. In the event that you decide to cancel this Agreement, you must provide a written notice to me, stating the reasons that you have decided to cancel. My financial damage would be difficult to calculate, you agree to pay a cancellation fee as liquidated damages, and not as a penalty, if you cancel your coaching prior to completing your original term of this Agreement, or if I have to cancel this agreement pursuant to Section 2D of this Agreement. This liquidated damages will be due at the time of cancellation and may be deducted from payments already made, paid by check or charged to the credit card on file. These liquidated damages are non-transferable. In the event you decide to cancel this Agreement, I shall retain the tuition of the coaching sessions you have completed and will calculate any refund due, if any, based proportionately on the total amount of the contract already paid and the amount of sessions completed, plus the amount of the liquidated damages.

b)    72 Hour cancellations. You may cancel this transaction without penalty or obligation by submitting to me a signed and dated written notice postmarked prior to midnight of the third business day after the date of this Agreement. Your notice must be mailed or delivered to enter my address. Faxed notices are not acceptable.

c)     Account Activity. From the date of your execution of this Agreement, you have 10 days to complete and submit your client enrollment form. Upon receipt of your completed client enrollment form, you have 20 days to complete your first coaching session. If you fail to complete your client enrollment form and or your first coaching session within 30 days, or you fail to attend any coaching sessions for at least 60 consecutive days, or you do not make your monthly payment (if any) by the agreed upon dates of your coaching sessions and after 30 days you do not make your payments to bring your account current, then I shall have the right to cancel this agreement and you will be subject to the liquidated damages as provided for in Section 2A., above.

d)    Expiration Date. You have a 30=day grace period at the end of this Agreement to complete all coaching sessions outlined in this agreement. If you have chosen the monthly payment option, them once all sessions are complete, or at the end of the 30-day grace period, whichever is sooner, if you do not sign up for an additional contract term, then the agreement automatically will revert to a month to month contract. At that time, on a month to month basis, you will be billed your existing monthly rate, until such time that you notify me in writing that you no longer wish to continue this Agreement. At the time of such notifications, your month to month billing will stop and you will no longer be entitled to or charged for further coaching sessions under the Agreement. Your notice must be e-mailed to contact@jenilleramos.com . Faxed notices are not acceptable.


a)     You will contact me at agreed upon times by calling the number provided to you and you will be responsible for the telephone charges (if any).

b)    If you miss your regularly scheduled call, without giving 24 hours notice, the call will be considered a complete session and will not be replaced.

c)     If you are late in making your scheduled call, the coaching sessions will end at its regularly scheduled time, irrespective of the length of the call and will be considered a completed session.


a)     Warranties. You acknowledge that you are relying upon any warranties, promises, guarantees or representations made by or anyone acting or claiming to act on behalf of (company name) unless it is in writing and made a part of this Agreement. All advertising material and all prior representation or agreements, if any, whether oral or written, are hereby suspended by this Agreement. This Agreement contains the entire understanding and agreement between you and (company name) and no addition or modification of any terms shall be effective unless set forth in writing and signed by you and (company Name. No sales representative has the authority to modify the terms of this Agreement.

b)    Acceptance. By executing this Agreement, you agree to be bound by all the terms and conditions herein. Your execution of this Agreement will be required prior to the commencement of any coaching sessions as contemplated by this Agreement.

c)     Subject to Change. Dates and times of sessions will be determined by coach availability.

d)    Assignment. This Agreement may not be assigned to another individual or entity.


a)     You authorize (company) to accept payments as directed by you and authorize (company) to charge your credit card on file and all amounts due pursuant to this Agreement.


You agree to indemnify and hold (company), and affiliated companies, their officers, directors, and employees from any and all claims, demands, suits, expenses, costs, judgments or other charges incurred by you as a result of your choice to participate in these coaching sessions as outlined by this Agreement. You will not hold (company) or its coaches or other employees responsible for any negligent actions or adverse results, whether known or unknown, that you may incur or suffer as a result of the coaching sessions you receive pursuant to this Agreement.


Any controversy between you and (company) arising out of, in connection with or related to this agreement shall be submitted to final, binding and conclusive arbitration. The arbitration shall be administered by (legal company) pursuant to the (legal Company) Arbitration Rules and Procedures then in effect. Any arbitration shall be held in Chicago, Illinois and laws of Illinois shall govern this Agreement.