Terms of Service

Please read these Terms of Service (the "Terms") carefully. They form a legally binding agreement between Coachli Technology LTD ("Coachli," "Company," "we," "our," "us" ) and you ( "User," "you,""your" ) and govern your access to and use of https://www.coachli.co/ and any related applications or services (collectively, the "Service" or "Platform" ).

Last revised: 26 February 2026

1. OVERVIEW

Coachli operates an online marketplace.

Coachli – platform operator.
Coaches / Merchants – independent sellers who list digital goods or services.
Customers / Clients – buyers who purchase those goods or services.

Coachli is not a party to contracts between Coaches and Clients, does not endorse, guarantee, or supervise listings, and assumes no liability for any transaction or interaction between Users.

Your use of the Service signifies that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the Service.

2. ELIGIBILITY

You represent that you are at least 18 years old, legally able to enter contracts, and not barred from using the Service under any applicable law. If you act on behalf of a business, you warrant that you have authority to bind that entity.

3. USER CONDUCT

You agree not to:

Violate any law or regulation.
Infringe the intellectual‑property, privacy, or other rights of third parties.
Transmit spam, malware, or harmful code.
Impersonate any person or entity or harvest data without consent.
Interfere with the Platform or attempt to circumvent security features.

We may suspend or remove content or accounts that breach these rules.

4. Prohibited Services (Non‑Exhaustive)

The following categories may not be offered on Coachli and the list can be updated at any time without notice:

Crowdfunding / Kickstarter promotion or fundraising facilitation.
Cryptocurrency or investment signals, trading advice, or high‑yield schemes.
"Guaranteed" follower growth, exposure, or income services.
Sexually explicit, pornographic, or adult content.
Illegal, deceptive, violent, or unverifiable services.
Impersonation of any individual or entity, including using another person's identity, documents, brand, or likeness to offer or receive services. This constitutes fraud and may result in immediate suspension or termination.

Listings breaching this section may be removed and related accounts suspended.

5. Account Registration & Security

You must create an account to access most features. You are responsible for safeguarding login credentials and for all activity occurring under your account. We may suspend or terminate accounts for violations or suspected fraud.

6. Payments, Fees & Currency

Payments are processed by Stripe, Paystack, and Flutterwave.
Coachli may charge service fees to Coaches and/or Clients, disclosed at point‑of‑purchase.
Payouts can be delayed or withheld for fraud review, chargebacks, or regulatory checks.
Currency conversions will use competitive market rates but may default to the official Central Bank of Nigeria (CBN) rate or equivalent.

Digital products are non‑refundable once access is granted. Live sessions or services are non‑refundable once rendered.

Coachli may, at its discretion, hold funds from a Coach's account to refund a Client when credible evidence proves that the Client did not receive the purchased value. This may include screenshots, communication logs, or platform‑generated access data.

Third‑Party Payment Processing and Transaction Fees

Payments made on Coachli are processed through third‑party payment providers, including but not limited to Stripe, Paystack, and Flutterwave. These providers charge transaction processing fees at the time of payment, which are retained by the payment processor and are not refunded to Coachli in the event of a refund, reversal, or chargeback.

As a result, any refund issued to a Client may be reduced by the applicable third‑party transaction fees. These fees represent the cost of financial infrastructure used to securely process payments and are non‑recoverable. By using the Platform, Users acknowledge and agree that refunds may be issued minus applicable processing fees charged by third‑party payment providers.

Coachli acts as a payment facilitator and intermediary and reserves the right to hold, reverse, debit, or reclaim funds from a Coach's balance, pending balance, or future payouts where necessary to enforce refunds, resolve disputes, prevent fraud, or enforce these Terms.

Platform access logs, download records, login timestamps, and activity history constitute valid proof of digital product delivery and service fulfillment.

7. Refunds & Chargebacks

A. Client Refunds

Refunds are permitted only where a booked session was not delivered or a digital product was inaccessible.
The Client must email refunds@coachli.co within 24 hours of the scheduled session time (or purchase time for digital goods) and provide booking details plus evidence of non‑delivery.
Refund requests submitted after the 24‑hour window are automatically declined.

Where refunds are approved, the refunded amount may exclude third‑party transaction processing fees, as these fees are retained by payment processors and are not recoverable by Coachli.

Accessing, downloading, viewing, or otherwise interacting with a digital product constitutes proof of delivery. Once such access has occurred, the transaction is considered fulfilled and non‑refundable except in cases of verified fraud or technical failure preventing access.

B. Chargeback Policy (Clients)

Clients must attempt resolution through Coachli before filing a chargeback.
Filing a chargeback without first contacting Coachli constitutes a breach of these Terms and may result in account suspension.
Coachli discourages chargebacks because they increase processing risk for all platform users.
Unfounded or repetitive chargebacks may result in account suspension.
Coachli reserves the right to submit platform records, including access logs, communication history, timestamps, and service activity records, as evidence to dispute chargebacks with payment processors.
Chargebacks proven to be fraudulent may be referred to law‑enforcement authorities.

C. Coach Liability for Upheld Chargebacks

If a chargeback is upheld after funds have been paid out, the Coach must reimburse Coachli for:
- The full disputed amount; and
- A USD 15 (or local‑currency equivalent) administrative fee per incident.
Reimbursement must be completed within 7 calendar days of Coachli's written notice.

Coachli reserves the right to recover disputed amounts by debiting the Coach's wallet balance, pending balance, or future payouts without additional notice where necessary to recover losses caused by chargebacks or refunds.

Failure to repay within 7 days authorises Coachli to:
- Offset the amount from current or future payouts or wallet balances;
- Place a hold on the Coach's account;
- Engage a debt‑collection agency or initiate legal proceedings to recover the outstanding balance, plus reasonable costs, interest, and attorneys' fees.

D. Multiple Chargebacks & High‑Risk Classification

Two (2) or more upheld chargebacks within any 180‑day period classifies the Coach as High‑Risk.

High‑Risk Coaches may be suspended or removed from the platform due to repeated dispute behaviours. Coachli may also impose rolling reserves, longer payout holds, additional verification, or terminate the Coach's account.

E. Evidence Requirements (Coaches)

Coaches must maintain and, upon request within 48 hours, provide clear proof of delivery, which may include:

Session attendance reports or call recordings;
Email confirmations or chat transcripts;
Time‑stamped file‑access or download logs;
Screenshots of delivered work or links;
Platform access logs, communication history, and other platform‑generated activity evidence.

Failure to supply evidence may result in automatic liability for the dispute.

F. Client Acknowledgement

By completing a purchase, Clients acknowledge that Coachli facilitates the sale of intangible digital services and time‑based access. Refunds are not available once a service is delivered or a digital good is accessed, except in cases of proven non‑delivery. Access logs and activity records constitute binding evidence of delivery and fulfillment.

G. Currency & Exchange Differences

Chargeback reversals are processed in the original transaction currency. Any exchange‑rate variance or banking fee is borne by the Coach.

H. Right to Establish Reserve

Coachli may maintain a reserve from a Coach's payouts to cover anticipated chargebacks or refunds, especially for new or high‑risk accounts.

Reserves may also be applied for new accounts, high‑risk accounts, or accounts under investigation for non‑delivery claims. Coachli may maintain reserves, freeze funds, or delay payouts for as long as reasonably necessary to investigate disputes, fraud, or compliance obligations.

I. Service Completion Confirmation (Services Feature)

For services offered through Coachli's product services feature, the Client has the ability to mark an order as "Received," or "Completed." By marking a service as received or completed, the Client expressly acknowledges and agrees that:

The service has been delivered in full to their satisfaction;
The contractual obligation of the Coach has been fulfilled; and
Coachli is authorized to release the associated funds to the Coach.

Once the Client marks the service as received or completed and the funds are released to the Coach, the transaction shall be deemed fully performed and final. The Client shall not be entitled to any refund, reversal, or dispute of the transaction through Coachli, except in cases of verified fraud or unauthorized account access, as determined solely at Coachli's discretion.

This confirmation constitutes binding evidence of service fulfillment and acceptance.

8. KYC / Identity Verification

We may require Coaches (and, where relevant, Clients) to submit government‑issued ID, banking details, and/or proof of address. You consent to verification through third‑party databases and to disclosure to regulators where legally required. Failure to comply may result in withheld payouts or account suspension.

Any attempt to impersonate another individual or provide falsified identification documents is considered fraud and may result in immediate suspension, withheld payouts, and reporting to relevant authorities.

Coachli reserves the right to retain funds during identity verification, fraud investigations, or regulatory compliance reviews.

9. Third‑Party Tools & Analytics

We integrate with:

Stripe, Paystack, Flutterwave – payments.
Google Analytics, Hotjar, Mixpanel – usage analytics.

Use of the Platform constitutes consent to processing by these providers as described in our Privacy Policy.

10. User Content & IP

You retain ownership of content you upload but grant Coachli a worldwide, royalty‑free, sublicensable licence to host, display, reproduce, and distribute it for Platform operation and promotion. You warrant that you own or have rights to the content and that it does not infringe third‑party rights.

11. Communications

By creating an account you consent to receive transactional emails and limited marketing messages. You may opt out of marketing communications at any time via the unsubscribe link or by emailing hello@coachli.co.

12. Third‑Party Services & Tools

Coachli relies on third‑party providers to process payments, perform analytics, and power essential features. Current key providers include (but are not limited to) Stripe, Paystack, Flutterwave, Google Analytics, Hotjar, and Mixpanel.

Non‑exhaustive list – subject to change: We may integrate additional payment processors, analytics platforms, infrastructure, or support tools at any time to maintain or improve the Service. An up‑to‑date list of material sub‑processors is maintained in our Privacy Policy.

By using Coachli you consent to our present and future integrations with such third‑party services in accordance with the Privacy Policy.

13. Suspension & Termination

Coachli may, at its sole discretion and without prior notice, suspend, limit, or terminate any account, and/or freeze or reclaim funds, for reasons that include but are not limited to:

Suspected or confirmed fraudulent activity.
Violation of these Terms, platform rules, or applicable law.
Verified delivery failures or repeated customer complaints.
Multiple chargebacks or patterns of high‑risk behaviour.
Refusal or failure to complete requested identity or business verification.
Impersonation or use of another individual's identity to receive payouts or provide services.
Failure to comply with refund investigations or fund‑hold requirements.
Activity that exposes Coachli, payment partners, or other users to potential harm or liability.

Pending Conversion Period

All earnings may be subject to a 4‑day conversion window before becoming eligible for withdrawal. This helps prevent fraud, disputes, and chargeback‑related losses.

Withdrawal Payouts

Withdrawals are processed within 3–4 days once funds have cleared the conversion period and verification checks.

Termination results in loss of access to the Service and any associated balances or data. Users are not entitled to refunds of fees already paid. Coachli may retain or withhold funds to offset losses or pending disputes.

Coachli reserves the right to freeze, retain, reverse, or reclaim funds where necessary to enforce these Terms, resolve disputes, recover losses, or prevent fraud.

14. Monitoring & Enforcement

We reserve the right to:

Review and remove content or listings.
Withhold payouts during investigations.
Share information with law‑enforcement or payment partners.
Ban repeat or serious offenders.

15. DMCA & IP Claims

Your contact details and signature.
Identification of the work infringed.
URL or description of the infringing material.
A good‑faith statement and declaration of accuracy under penalty of perjury.

We may remove or restrict access to the reported content while reviewing.

16. Changes to the Service

Coachli may modify, replace, suspend, or discontinue any aspect of the Service at any time without liability. Access may be restricted for maintenance, upgrades, or security.

17. Amendments to Terms

We may update these Terms by posting a revised version on the Site. Continued use after the effective date constitutes acceptance. If you disagree with amendments, you must stop using the Service.

18. Limitation of Liability

Coachli shall not be liable for indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, or goodwill. Our aggregate liability shall not exceed the total fees paid by you to Coachli in the three months preceding the event giving rise to the claim.

19. Indemnification

You agree to defend, indemnify, and hold harmless Coachli, its directors, employees, and partners from any claims, losses, or liabilities arising from your (i) use of the Service, (ii) content, or (iii) breach of these Terms.

20. Waiver & Severability

No waiver of any term is a continuing waiver of that term or any other. If any provision is found unenforceable, the remaining provisions shall remain in full force.

21. Governing Law & Dispute Resolution

United States / Rest of World (excluding Nigeria): Delaware law, with exclusive jurisdiction in Delaware state or federal courts or, at Coachli's option, binding arbitration.
Nigeria: Federal Republic of Nigeria law, with disputes resolved in Nigerian courts or arbitration at Coachli's election.