Terms & Conditions

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Terms and Conditions

Effective Date: March 5, 2026 Last Updated: March 5, 2026

These Terms and Conditions (“Terms”) govern your use of the websites, services, programs, workshops, digital products, and events provided by Resmer Consulting Inc. (“Company”, “we”, “us”, or “our”).

By accessing or using any website, program, workshop, challenge, or service operated by Resmer Consulting Inc., including https://ryanthecoach.com/challenge, you agree to be bound by these Terms and Conditions.

If you do not agree with these Terms, you should not use this website or participate in any services provided by the Company.

1. Company Information

Resmer Consulting Inc. 19 George Street Markham, Ontario L3P 2R8 Canada

Email: hello@ryanthecoach.com Website: https://ryanthecoach.com

2. Scope of Services

Resmer Consulting Inc. provides personal and professional development services including but not limited to:

• Coaching programs • Group coaching programs • Online workshops and challenges • Digital courses and digital educational products • Paid membership communities • Speaking engagements and presentations

These services are intended for educational and personal development purposes only.

Participation in any service does not create any employment, partnership, or joint venture relationship with the Company.

3. Eligibility

By using this website or participating in any services offered by Resmer Consulting Inc., you confirm that:

• You are at least 18 years of age • You have the legal capacity to enter into binding agreements • All information you provide is accurate and truthful

4. No Professional Advice

All content, materials, and coaching services provided by Resmer Consulting Inc. are intended for educational and informational purposes only.

The Company does not provide:

• medical advice • psychological therapy • legal advice • financial or investment advice

Coaching services are designed to support personal and professional development and are not a substitute for licensed professional services.

If you require medical, legal, psychological, or financial advice, you should consult a qualified professional.

5. No Guarantees of Results

Resmer Consulting Inc. provides coaching, training, and educational services designed to support personal and professional development.

However, results are not guaranteed.

Individual results vary depending on numerous factors including:

• individual effort • personal commitment • experience and background • market conditions • personal decisions and actions

By participating in our programs or using our services, you acknowledge that:

• outcomes will vary between individuals • the Company makes no guarantees regarding financial results, career advancement, business success, personal achievements, or other outcomes

Any testimonials or examples presented are illustrative and do not guarantee similar results.

6. Participant Responsibility

You acknowledge that you are fully responsible for your own actions, decisions, and results.

The Company is not responsible for any personal, professional, or financial outcomes resulting from your participation in coaching programs, workshops, courses, or events.

Your use of information provided by the Company is entirely at your own discretion and risk.

7. Payment Terms

Certain services offered by Resmer Consulting Inc. require payment.

Payments may be processed through third-party payment providers including:

• Stripe • Credit card processors • PayPal

By making a purchase, you agree to provide accurate payment information and authorize the Company to charge the applicable fees.

All prices are listed in Canadian dollars unless otherwise specified.

The Company reserves the right to modify pricing at any time.

8. Refund Policy

Refund policies vary depending on the type of program or service purchased.

Coaching Programs

Our flagship coaching programs may offer a 30-day money-back guarantee.

Refund requests will be evaluated at the discretion of the Companyand must be submitted within the applicable guarantee period.

Digital Courses and Products

Digital courses and digital services may be eligible for a 7-day refund period from the date of purchase.

Other Services

Refunds for workshops, memberships, and other services may be issued on a case-by-case basis at the Company’s discretion.

Refund eligibility may depend on participation level, completion of program requirements, and other reasonable factors.

9. Intellectual Property

All content provided by Resmer Consulting Inc. is protected by copyright and intellectual property laws.

This includes but is not limited to:

• coaching frameworks • training materials • videos • worksheets • digital resources • course materials • program structures • brand names, trademarks, and logos

All intellectual property remains the exclusive property of Resmer Consulting Inc..

You may not:

• copy • reproduce • distribute • sell • republish • modify • share program materials publicly

without prior written permission from the Company.

All materials are provided for personal use only.

10. Participant Conduct

Resmer Consulting Inc. is committed to providing a professional, respectful, and supportive learning environment.

The Company reserves the right to remove any participant from a program, membership, workshop, or event if they:

• behave in a disruptive or abusive manner • harass or intimidate other participants • violate community guidelines • engage in inappropriate or unethical conduct

Participants removed due to misconduct may not be eligible for a refund.

11. Confidentiality

Participants may share personal information during group programs or coaching sessions.

You agree to respect the privacy and confidentiality of other participants and not disclose personal information shared during group discussions.

While the Company encourages confidentiality among participants, it cannot guarantee that all participants will adhere to this expectation.

12. Limitation of Liability

To the fullest extent permitted by law, Resmer Consulting Inc., its directors, officers, employees, contractors, and affiliates shall not be liable for any damages arising from the use of this website or participation in any services provided by the Company.

This includes but is not limited to:

• direct damages • indirect damages • incidental damages • consequential damages • loss of income or profits • business losses • personal or professional decisions made based on program content

The Company is not responsible for financial, personal, or business outcomes resulting from the use of its services.

Your use of the website and participation in programs is entirely at your own risk.

13. Indemnification

You agree to indemnify and hold harmless Resmer Consulting Inc. from any claims, damages, liabilities, or expenses arising from:

• your use of the website • your participation in programs or services • your violation of these Terms and Conditions

14. Privacy Policy

Your use of this website is also governed by our Privacy Policy, which describes how personal information is collected and used.

The Privacy Policy is available on this website.

15. Modifications to Terms

Resmer Consulting Inc. reserves the right to update or modify these Terms and Conditions at any time.

Any updates will be posted on this page with an updated effective date.

Continued use of the website after changes are posted constitutes acceptance of the revised Terms.

16. Governing Law

These Terms and Conditions are governed by the laws of the Province of Ontario and the laws of Canada applicable therein.

Any disputes arising from these Terms or the use of this website shall be subject to the exclusive jurisdiction of the courts of Ontario, Canada.

17. Contact Information

For questions regarding these Terms and Conditions, please contact:

Resmer Consulting Inc. 19 George Street Markham, Ontario L3P 2R8 Canada

Email: hello@ryanthecoach.com Website: https://ryanthecoach.com